Tuesday, August 31, 2004
Monday, August 30, 2004
Understanding Your Homeowners Insurance
Understanding Your Homeowners Insurance
August 2004 (Newstream) - When it comes to buying homeowners insurance, many Americans sign on the dotted line and then leave their policy on auto-pilot. But, reading your policy can save you major headaches and even bigger financial losses if your home is damaged or destroyed.
So where do you start? Insurance experts say the first step is determining if you have the right type of policy and the proper levels of coverage within that policy. Next, make sure your personal property within your home is protected. Most insurance policies provide coverage for things like stereos, furniture, and bicycles, but there could be limits on higher-value items like jewelry and artwork. You may also want to consider adding coverage for your more valuable items. Finally, find out what your policy covers in terms of costs- in other words, the expenses for which you'll be reimbursed and whether you'll receive actual cash back for those items.
--------------------
Produced for Allstate
CONTACT:
Scott Michaeloff
212-980-9090
August 2004 (Newstream) - When it comes to buying homeowners insurance, many Americans sign on the dotted line and then leave their policy on auto-pilot. But, reading your policy can save you major headaches and even bigger financial losses if your home is damaged or destroyed.
So where do you start? Insurance experts say the first step is determining if you have the right type of policy and the proper levels of coverage within that policy. Next, make sure your personal property within your home is protected. Most insurance policies provide coverage for things like stereos, furniture, and bicycles, but there could be limits on higher-value items like jewelry and artwork. You may also want to consider adding coverage for your more valuable items. Finally, find out what your policy covers in terms of costs- in other words, the expenses for which you'll be reimbursed and whether you'll receive actual cash back for those items.
--------------------
Produced for Allstate
CONTACT:
Scott Michaeloff
212-980-9090
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Workshop for Financial Services Professionals
Xplor Announces First Time Workshop for Financial Services Professionals
Xplor 2004
TORRANCE, Calif.--(BUSINESS WIRE)--Aug. 30, 2004--
Prinova and Art Plus Technology Join Forces for Xplor's 25th Global Document Systems Conference and Exhibit
Xplor International today announced a key addition to their conference line-up for their 25th annual conference and exhibit. For the first time, Xplor will provide attendees with a Financial Services Workshop designed to provide valuable knowledge on new advances in personalization and automated document production for print and online delivery channels. Prinova, a provider of leading-edge client communication design, creation, and implementation services, and Art Plus Technology, a Boston-based company that specializes in communication strategies, information delivery, and document process solutions for the financial industry, will sponsor the workshop. The half-day session will also feature expert speakers including Nick Romano, P.Eng., president and CEO, William Broddy, EDP, vice president, business development of Prinova and Elizabeth Gooding, president and CEO of Art Plus Technology.
The Financial Services Workshop will be held on Tuesday, October 26, from 8:00 to 11:30 AM. Attendance to the half-day program is open to full and one-day conference and exhibit registrants by advanced ticket only, available at the ticket counter in registration, lobby D.
"The delivery of transactional and personalized communication, made available thorough advances in both software and hardware, has enjoyed tremendous success in the financial services industry," said Skip Henk, EDP, president, and CEO of Xplor International. "We're honored to have two of leading vendors in this sector share their insight, success, and vision with our attendees."
The Financial Services Workshop
The Financial Services Workshop is designed for financial services professionals involved in the design, development, distribution, and ongoing care of customer communications. In addition, the workshop will cover:
-- State of the financial services industry. What major marketing and customer service trends are driving highly successful organizations? What are the implications to current client documents? What demographic issues will significantly impact the current document status quo?
-- Customer document showcase and panel. Recent client document applications have made major advances in the past 24 months. Hear from a panel of document owners from financial services organizations throughout North America about new developments and why they provide competitive advantages.
-- Optimizing functionality and time-to-market. Learn from industry experts how to develop requirements, plan and implement a leading edge client document application in dramatically less time than you have thought possible. In addition, learn how to architect a long-term solution that anticipates future requirements and ensures that the document become a dynamic part of your customer retention strategy.
For additional details on the Financial Services Workshop, go to www.xplor2004.org.
About Xplor 2004
Xplor 2004: The Document Solutions Information Exchange is a vendor-neutral forum for the exchange of information relevant to the document solutions enterprise. In addition to gaining valuable education and networking opportunities, attendees with organizational responsibility for document solutions can give and receive information related to market trends, business drivers, challenging problems, best practices, innovative solutions, and product advancements. Xplor 2004 will take place October 24-28 in Dallas, Texas, USA. For additional details, go to www.xplor2004.org.
About Xplor International
Xplor International is a worldwide, not-for-profit professional association that consists of thousands of users and suppliers of the products and services that create, modify, and deliver customized information using a wide variety of document technologies. Xplor International has its worldwide headquarters in Torrance, California, with affiliated offices around the world. Further information is available at www.xplor.org.
Contacts
Hayzlett & Associates
Mark Bonacorso, 650-697-6671
markb @ hayzlett.com
Love Quotes
Famous Quotes
Xplor 2004
TORRANCE, Calif.--(BUSINESS WIRE)--Aug. 30, 2004--
Prinova and Art Plus Technology Join Forces for Xplor's 25th Global Document Systems Conference and Exhibit
Xplor International today announced a key addition to their conference line-up for their 25th annual conference and exhibit. For the first time, Xplor will provide attendees with a Financial Services Workshop designed to provide valuable knowledge on new advances in personalization and automated document production for print and online delivery channels. Prinova, a provider of leading-edge client communication design, creation, and implementation services, and Art Plus Technology, a Boston-based company that specializes in communication strategies, information delivery, and document process solutions for the financial industry, will sponsor the workshop. The half-day session will also feature expert speakers including Nick Romano, P.Eng., president and CEO, William Broddy, EDP, vice president, business development of Prinova and Elizabeth Gooding, president and CEO of Art Plus Technology.
The Financial Services Workshop will be held on Tuesday, October 26, from 8:00 to 11:30 AM. Attendance to the half-day program is open to full and one-day conference and exhibit registrants by advanced ticket only, available at the ticket counter in registration, lobby D.
"The delivery of transactional and personalized communication, made available thorough advances in both software and hardware, has enjoyed tremendous success in the financial services industry," said Skip Henk, EDP, president, and CEO of Xplor International. "We're honored to have two of leading vendors in this sector share their insight, success, and vision with our attendees."
The Financial Services Workshop
The Financial Services Workshop is designed for financial services professionals involved in the design, development, distribution, and ongoing care of customer communications. In addition, the workshop will cover:
-- State of the financial services industry. What major marketing and customer service trends are driving highly successful organizations? What are the implications to current client documents? What demographic issues will significantly impact the current document status quo?
-- Customer document showcase and panel. Recent client document applications have made major advances in the past 24 months. Hear from a panel of document owners from financial services organizations throughout North America about new developments and why they provide competitive advantages.
-- Optimizing functionality and time-to-market. Learn from industry experts how to develop requirements, plan and implement a leading edge client document application in dramatically less time than you have thought possible. In addition, learn how to architect a long-term solution that anticipates future requirements and ensures that the document become a dynamic part of your customer retention strategy.
For additional details on the Financial Services Workshop, go to www.xplor2004.org.
About Xplor 2004
Xplor 2004: The Document Solutions Information Exchange is a vendor-neutral forum for the exchange of information relevant to the document solutions enterprise. In addition to gaining valuable education and networking opportunities, attendees with organizational responsibility for document solutions can give and receive information related to market trends, business drivers, challenging problems, best practices, innovative solutions, and product advancements. Xplor 2004 will take place October 24-28 in Dallas, Texas, USA. For additional details, go to www.xplor2004.org.
About Xplor International
Xplor International is a worldwide, not-for-profit professional association that consists of thousands of users and suppliers of the products and services that create, modify, and deliver customized information using a wide variety of document technologies. Xplor International has its worldwide headquarters in Torrance, California, with affiliated offices around the world. Further information is available at www.xplor.org.
Contacts
Hayzlett & Associates
Mark Bonacorso, 650-697-6671
markb @ hayzlett.com
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Sunday, August 29, 2004
Financial planning can help kin cope with Alzheimer's - billingsgazette.com
Financial planning can help kin cope with Alzheimer's - billingsgazette.com
Financial planning can help kin cope with Alzheimer's
By BOB MOOS
Dallas Morning News
DALLAS - Sharon McIver spends a good part of her days stretching her 86-year-old mother's dollars as far as she can. In the morning, the Dallas woman looks for sales on personal items her mother needs. After lunch, she makes a call to dispute an unusually large medical bill. And by evening, she has searched for the highest interest rate for her mother's bank certificates.
"I feel as though I'm running two households," she explains. "It overwhelms me some days."
That's a common feeling among people who care for parents with Alzheimer's disease. Adult children like McIver shoulder many tasks as caregivers, but overseeing their parents' finances can be among the most difficult.
The bills are staggering - they average $25,000 a year for home care and $50,000 a year for nursing homes. And financial resources often are limited - Medicare doesn't pay for long-term care.
Alzheimer's patients with retirement nest eggs can exhaust their savings within several years.
Silver Star with combat V - Fake claims not uncommon - More John Kerry Controversy
Silver Star with combat V
Love Quotes
Financial planning can help kin cope with Alzheimer's
By BOB MOOS
Dallas Morning News
DALLAS - Sharon McIver spends a good part of her days stretching her 86-year-old mother's dollars as far as she can. In the morning, the Dallas woman looks for sales on personal items her mother needs. After lunch, she makes a call to dispute an unusually large medical bill. And by evening, she has searched for the highest interest rate for her mother's bank certificates.
"I feel as though I'm running two households," she explains. "It overwhelms me some days."
That's a common feeling among people who care for parents with Alzheimer's disease. Adult children like McIver shoulder many tasks as caregivers, but overseeing their parents' finances can be among the most difficult.
The bills are staggering - they average $25,000 a year for home care and $50,000 a year for nursing homes. And financial resources often are limited - Medicare doesn't pay for long-term care.
Alzheimer's patients with retirement nest eggs can exhaust their savings within several years.
Silver Star with combat V - Fake claims not uncommon - More John Kerry Controversy
Silver Star with combat V
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Saturday, August 28, 2004
Sale of Pricipal Residence
If you sell your principal residence, you generally can exclude up to $500,000 of the profit on the sale from federal income tax if married and filing a joint return or up to $250,000 if single. The property must have been owned and occupied as your principal residence for at least two of the five years preceding the sale.
Internal Revenue Service, Publication 17, "Your Federal Income Tax," puts it this way: "To exclude gain ... you generally must have owned and lived in the property as your main home for at least 2 years during the 5-year period ending on the date of sale."
quotes - famous quotes and sayings
Internal Revenue Service, Publication 17, "Your Federal Income Tax," puts it this way: "To exclude gain ... you generally must have owned and lived in the property as your main home for at least 2 years during the 5-year period ending on the date of sale."
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Friday, August 27, 2004
Personal finance class teaches servicemembers value of dollar
Personal finance class teaches servicemembers value of dollar
Submitted by: MCAS Miramar
Story by: Computed Name: - Lance Cpl. Skye Jone
Story Identification #: 200482623572
MARINE CORPS AIR STATION MIRAMAR, Calif. (Aug. 26, 2004) -- Living paycheck to paycheck is a way of life for many Marines. In fact, 90 percent of the population lives this way, according to Tom Graneau, financial management counselor, Marine Corps Community Services.
Graneau teaches the fundamentals of check writing in personal finance class, which is open to all personnel aboard the station at the MCCS counseling center. The two-hour course answers the question, "Are you controlling your money, or is your money controlling you?"
Money goes in and money goes out. It provides food, shelter, clothes, and transportation. According to Graneau, a Temecula, Calif., native, "As long as you're living, you need money. Therefore, money is, in fact, life."
Many Marines use their paycheck to get by for two weeks and wait for the next one to do the same, all without thinking about future financial problems such as potential purchases, incurred debts and retirement funds.
"I spent my first enlistment living in the moment and not thinking about the future. Instead of saving, I kept withdrawing," explained Staff Sgt. Aaron J. Cross, non-destructive inspector, Marine Aviation Logistics Squadron 11. "I didn't see the long run picture, like having a nice house or car. Now I am paying for the choices I made earlier in my life."
According to Graneau, it is not too late to turn a seemingly hopeless financial situation into a bountiful one.
"I have a lot of sergeants major and other high ranking servicemembers, who come to me and say that they wish they heard these things when they were 20."
Each servicemember receives two paychecks a month that can be used to save money for the future. The government gives out pay for the time a servicemember invests, explained Graneau.
"Dollars translate into life. Before retirement you need to work, making it vital to plan for your future now," said Graneau. "If you do not save now, your paychecks won't be able to pay for everything when you are older. That's when people look for solutions, because they can no longer pay for all of their expenses."
Many people have debts and bills to pay, but neglect to pay their savings account. Graneau advises that the account be treated like a bill.
"I used to have a lot debts and I didn't manage my finances correctly," said Lance Cpl. Eddie Castillo, CH-46 helicopter mechanic, Marine Medium Helicopter Squadron 165. "Now I am trying to use the resources here and change my lifestyle to accommodate savings into my financial plan."
Graneau explained that the rich will get richer and the poor will continue to get poorer because money makes money. This makes it imperative to start building money now, not later.
"Each paycheck should be divided into three areas: bills, savings and fun," said Graneau. "You need all three to create a truly successful plan."
For example, if corporal made approximately $1300 each month and used $300 of that to pay bills, put $800 into savings and used the remaining amount to have fun, he or she would have almost $30,000 in three years.
If a Marine started saving a mere $95 a month at age 20 with a 10 percent annual return, $1,004,136 would be saved by retirement. However, if a Marine started saving the same amount ten years later, he or she would only accumulate $363,686 by retirement. The later money is invested into savings, the smaller the return.
"Even if you can only afford to put $20 into savings, your money will still grow, the sooner you start saving, the better," said Graneau.
For more information contact Tom Graneau at (858) 577-9802.
"I can provide financial training, but it is ultimately up to individuals to take charge of their finances," said Graneau.
Famous Quotes
Submitted by: MCAS Miramar
Story by: Computed Name: - Lance Cpl. Skye Jone
Story Identification #: 200482623572
MARINE CORPS AIR STATION MIRAMAR, Calif. (Aug. 26, 2004) -- Living paycheck to paycheck is a way of life for many Marines. In fact, 90 percent of the population lives this way, according to Tom Graneau, financial management counselor, Marine Corps Community Services.
Graneau teaches the fundamentals of check writing in personal finance class, which is open to all personnel aboard the station at the MCCS counseling center. The two-hour course answers the question, "Are you controlling your money, or is your money controlling you?"
Money goes in and money goes out. It provides food, shelter, clothes, and transportation. According to Graneau, a Temecula, Calif., native, "As long as you're living, you need money. Therefore, money is, in fact, life."
Many Marines use their paycheck to get by for two weeks and wait for the next one to do the same, all without thinking about future financial problems such as potential purchases, incurred debts and retirement funds.
"I spent my first enlistment living in the moment and not thinking about the future. Instead of saving, I kept withdrawing," explained Staff Sgt. Aaron J. Cross, non-destructive inspector, Marine Aviation Logistics Squadron 11. "I didn't see the long run picture, like having a nice house or car. Now I am paying for the choices I made earlier in my life."
According to Graneau, it is not too late to turn a seemingly hopeless financial situation into a bountiful one.
"I have a lot of sergeants major and other high ranking servicemembers, who come to me and say that they wish they heard these things when they were 20."
Each servicemember receives two paychecks a month that can be used to save money for the future. The government gives out pay for the time a servicemember invests, explained Graneau.
"Dollars translate into life. Before retirement you need to work, making it vital to plan for your future now," said Graneau. "If you do not save now, your paychecks won't be able to pay for everything when you are older. That's when people look for solutions, because they can no longer pay for all of their expenses."
Many people have debts and bills to pay, but neglect to pay their savings account. Graneau advises that the account be treated like a bill.
"I used to have a lot debts and I didn't manage my finances correctly," said Lance Cpl. Eddie Castillo, CH-46 helicopter mechanic, Marine Medium Helicopter Squadron 165. "Now I am trying to use the resources here and change my lifestyle to accommodate savings into my financial plan."
Graneau explained that the rich will get richer and the poor will continue to get poorer because money makes money. This makes it imperative to start building money now, not later.
"Each paycheck should be divided into three areas: bills, savings and fun," said Graneau. "You need all three to create a truly successful plan."
For example, if corporal made approximately $1300 each month and used $300 of that to pay bills, put $800 into savings and used the remaining amount to have fun, he or she would have almost $30,000 in three years.
If a Marine started saving a mere $95 a month at age 20 with a 10 percent annual return, $1,004,136 would be saved by retirement. However, if a Marine started saving the same amount ten years later, he or she would only accumulate $363,686 by retirement. The later money is invested into savings, the smaller the return.
"Even if you can only afford to put $20 into savings, your money will still grow, the sooner you start saving, the better," said Graneau.
For more information contact Tom Graneau at (858) 577-9802.
"I can provide financial training, but it is ultimately up to individuals to take charge of their finances," said Graneau.
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Thursday, August 26, 2004
Financial Planning Kenneth Petersen
Financial Planning Kenneth Petersen
Q: I clipped out your column with the list of items I should gather and place in a portable container in case of a disaster.
Cash, prescriptions and financial files are obvious. But escrow documents? My property is recorded. Wills and trusts? My attorney has the originals. Birth certificates? I can get them from the county where I was born. Insurance policies? Isn't the company enough?
I would appreciate the why to go with the what.
A: There is probably a 99.9 percent chance that you will never experience a disaster that's bad enough to cause you to need the financial survival kit that I recommended. But if you are one of the unlucky ones, then you'll thank yourself for having it.
Unfit for Command
Famous Quotes
Q: I clipped out your column with the list of items I should gather and place in a portable container in case of a disaster.
Cash, prescriptions and financial files are obvious. But escrow documents? My property is recorded. Wills and trusts? My attorney has the originals. Birth certificates? I can get them from the county where I was born. Insurance policies? Isn't the company enough?
I would appreciate the why to go with the what.
A: There is probably a 99.9 percent chance that you will never experience a disaster that's bad enough to cause you to need the financial survival kit that I recommended. But if you are one of the unlucky ones, then you'll thank yourself for having it.
Unfit for Command
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Personal Finance: Ownership dreams dying in California
Personal Finance: Ownership dreams dying in California
But affordable homes are still available here
ALEX VEIGA and
The Associated Press
DAVID PITTMAN
Tucson Citizen
The Associated Press
Ricardo Cavillo, 33 , his wife Patricia, 41, andtheir children Kimberly, 11 (left), Angie, 8, and Pablo, 10, live in a two-bedroom apartment in Fullerton, Calif. The bank said the Cavillos qualify only for a $200,000 mortgage, but the median home price far exceeds $500,000 in Orange County, where Ricardo works.
LOS ANGELES - Like so many California home hunters struggling to balance affordability with a humane commute, Patricia and Ricardo Cavillo suffer a fundamental disadvantage - because they don't own a home now, they're struggling to get the financial clout to buy at all.
The bank said the Cavillos qualify for a $200,000 mortgage, but the median home price far exceeds $500,000 in Orange County, where Ricardo works a $38,000-a-year manufacturing job and the couple currently rents. Even a small two-bedroom condominium rarely fetches less than $300,000.
"When I see the price of these homes, I get depressed," said Patricia Cavillo, 41, a homemaker and mother of three young children. "I think my dream won't become reality."
In Tucson, the median price of a resale home in Tucson was $155,000 last month, up 9.92 percent from July 2003.
Tucson Citizen article continued
Unfit for Command
Famous Quotes
But affordable homes are still available here
ALEX VEIGA and
The Associated Press
DAVID PITTMAN
Tucson Citizen
The Associated Press
Ricardo Cavillo, 33 , his wife Patricia, 41, andtheir children Kimberly, 11 (left), Angie, 8, and Pablo, 10, live in a two-bedroom apartment in Fullerton, Calif. The bank said the Cavillos qualify only for a $200,000 mortgage, but the median home price far exceeds $500,000 in Orange County, where Ricardo works.
LOS ANGELES - Like so many California home hunters struggling to balance affordability with a humane commute, Patricia and Ricardo Cavillo suffer a fundamental disadvantage - because they don't own a home now, they're struggling to get the financial clout to buy at all.
The bank said the Cavillos qualify for a $200,000 mortgage, but the median home price far exceeds $500,000 in Orange County, where Ricardo works a $38,000-a-year manufacturing job and the couple currently rents. Even a small two-bedroom condominium rarely fetches less than $300,000.
"When I see the price of these homes, I get depressed," said Patricia Cavillo, 41, a homemaker and mother of three young children. "I think my dream won't become reality."
In Tucson, the median price of a resale home in Tucson was $155,000 last month, up 9.92 percent from July 2003.
Tucson Citizen article continued
Unfit for Command
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Wednesday, August 25, 2004
HSBC shifts focus to personal finance
HSBC shifts focus to personal finance
Elliot Wilson
HSBC Holdings unit Hongkong and Shanghai Banking Corp is ramping up its wealth management and insurance services, which generated strong returns in the first six months amid a sluggish lending market and low interest rates.
``Growth in investment and insurance [products] compensated for the fall in net interest income,'' said Dorothy Sit, head of personal financial services in Hong Kong.
Hong Kong-based banks are eyeing new forms of growth - including insurance services, unit trusts and structured investment products - as they vie to attract wealthier clients in order to offset falling demand for loans. Net interest income at HSBC's Hong Kong unit fell in the first half to HK$18.62 billion, from HK$19.5 billion a year ago, despite a 44.2 per cent rise in net profit to HK$17.9 billion.
HSBC shifts focus to personal finance
Elliot Wilson
HSBC Holdings unit Hongkong and Shanghai Banking Corp is ramping up its wealth management and insurance services, which generated strong returns in the first six months amid a sluggish lending market and low interest rates.
``Growth in investment and insurance [products] compensated for the fall in net interest income,'' said Dorothy Sit, head of personal financial services in Hong Kong.
Hong Kong-based banks are eyeing new forms of growth - including insurance services, unit trusts and structured investment products - as they vie to attract wealthier clients in order to offset falling demand for loans. Net interest income at HSBC's Hong Kong unit fell in the first half to HK$18.62 billion, from HK$19.5 billion a year ago, despite a 44.2 per cent rise in net profit to HK$17.9 billion.
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Monday, August 23, 2004
Kiplinger's Personal Finance (R) Urges Students to Visit BestBookBuys.com to Find Deals on Textbooks
Kiplinger's Personal Finance(R) Urges Students to Visit BestBookBuys.com to Find Deals on Textbooks
Monday August 23, 8:20 am ET
College Students Save an Average of 30 Percent on Textbooks
LA CANADA, Calif., Aug. 23 /PRNewswire/ -- Best Book Buys® (www.bestbookbuys.com), a leading online price comparison shopping site for college students and a service of Best Web Buys(TM), today announced the September 2004 issue of Kiplinger's Personal Finance® magazine (www.kiplinger.com) urges college students to visit the site to save money on textbooks.
In the "Tuition is only the beginning" story Kiplinger reports, "Urge your student to treat the campus used-book sale like a hot concert ticket and to visit BestBookBuys.com, a Web site that compares the most popular online booksellers. You can search by ISBN so your student can be sure to get the right edition and save about 30% on average."
At BestBookBuys.com students can search among dozens of reputable online stores in seconds to find the lowest prices for their textbooks with an average savings potential of 30 percent over list price. Only book stores with proven customer service are added as partners and users are able to see the stores rankings before making their selections.
Unlike other online comparison shopping sites, BestBookBuys.com calculates total costs including shipping and applicable taxes before the order is placed. Best Book Buys also details a list of "Hot Deals" offered by their bookstore partners for additional savings.
Best Web Buys' five product specific sites -- Best Book Buys®, Best Music Buys, Best Video Buys, Best Bike Buys and Best Electronic Buys -- compare prices, shipping and availability of more than five million titles and items at dozens of online stores including Amazon.com, Barnes and Noble, Powell's, Overstock.com, Walmart.com, and buy.com. Best Web Buys was founded in 1997.
--------------------------------------------------------------------------------
Source: Best Web Buys
Monday August 23, 8:20 am ET
College Students Save an Average of 30 Percent on Textbooks
LA CANADA, Calif., Aug. 23 /PRNewswire/ -- Best Book Buys® (www.bestbookbuys.com), a leading online price comparison shopping site for college students and a service of Best Web Buys(TM), today announced the September 2004 issue of Kiplinger's Personal Finance® magazine (www.kiplinger.com) urges college students to visit the site to save money on textbooks.
In the "Tuition is only the beginning" story Kiplinger reports, "Urge your student to treat the campus used-book sale like a hot concert ticket and to visit BestBookBuys.com, a Web site that compares the most popular online booksellers. You can search by ISBN so your student can be sure to get the right edition and save about 30% on average."
At BestBookBuys.com students can search among dozens of reputable online stores in seconds to find the lowest prices for their textbooks with an average savings potential of 30 percent over list price. Only book stores with proven customer service are added as partners and users are able to see the stores rankings before making their selections.
Unlike other online comparison shopping sites, BestBookBuys.com calculates total costs including shipping and applicable taxes before the order is placed. Best Book Buys also details a list of "Hot Deals" offered by their bookstore partners for additional savings.
Best Web Buys' five product specific sites -- Best Book Buys®, Best Music Buys, Best Video Buys, Best Bike Buys and Best Electronic Buys -- compare prices, shipping and availability of more than five million titles and items at dozens of online stores including Amazon.com, Barnes and Noble, Powell's, Overstock.com, Walmart.com, and buy.com. Best Web Buys was founded in 1997.
--------------------------------------------------------------------------------
Source: Best Web Buys
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H&R Block tax training course - Tax Firm Needs To Hire 39 Thousand New Tax Preparers for Upcoming Tax Season
H&R Block Hiring for tax training course
Nationally Known Firm Looking for Candidates to Register for September Income Tax Course
Tax Firm Needs To Hire 39 Thousand New Tax Preparers for Upcoming Tax Season
August 2004 (Newstream) --
ANCHOR LEAD: The jobless figures are out, but one company says it's looking to hire 39 thousand additional people from around the country. Matt Kelly has the story. (:57)
SCRIPT: Your Financial Update, I'm Matt Kelly. Looking for a part time job that pays well, has opportunity for advancement, and lets you work in a professional environment for a Fortune 500 company? H&R Block, the nation's largest tax preparation firm, is looking for 39 thousand tax professionals for the upcoming tax season.
CUT: (Burlison) To become a tax professional, obviously you've got to have training. Programs such as the H&R Block Income Tax Course give you the kind of knowledge you need to enter this field. Course enrollment ends soon. Classes are offered at convenient times and locations nationwide, and cover both tax basics and advanced study. Though taking the course is not a guarantee of employment, it can be the first step toward a rewarding career.
SCRIPT: Burlison says a part time job in the tax service industry is a good option for someone already working who wants supplemental income. For more information go to HR block dot com or call 1-866-899-2584. I'm Matt Kelly.
ANCHOR TAG: If you're someone who prefers a job with flexibility and who prefers to work part-time, that website again, HR block dot com.
------------------------
Produced for H&R Block
CONTACT:
Denise Sposato 816-932-4909
Nationally Known Firm Looking for Candidates to Register for September Income Tax Course
Tax Firm Needs To Hire 39 Thousand New Tax Preparers for Upcoming Tax Season
August 2004 (Newstream) --
ANCHOR LEAD: The jobless figures are out, but one company says it's looking to hire 39 thousand additional people from around the country. Matt Kelly has the story. (:57)
SCRIPT: Your Financial Update, I'm Matt Kelly. Looking for a part time job that pays well, has opportunity for advancement, and lets you work in a professional environment for a Fortune 500 company? H&R Block, the nation's largest tax preparation firm, is looking for 39 thousand tax professionals for the upcoming tax season.
CUT: (Burlison) To become a tax professional, obviously you've got to have training. Programs such as the H&R Block Income Tax Course give you the kind of knowledge you need to enter this field. Course enrollment ends soon. Classes are offered at convenient times and locations nationwide, and cover both tax basics and advanced study. Though taking the course is not a guarantee of employment, it can be the first step toward a rewarding career.
SCRIPT: Burlison says a part time job in the tax service industry is a good option for someone already working who wants supplemental income. For more information go to HR block dot com or call 1-866-899-2584. I'm Matt Kelly.
ANCHOR TAG: If you're someone who prefers a job with flexibility and who prefers to work part-time, that website again, HR block dot com.
------------------------
Produced for H&R Block
CONTACT:
Denise Sposato 816-932-4909
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Sunday, August 22, 2004
Stock Help: Stock Scam Warning
Stock Scam Warning
Personal Finance Daily -- Aug. 20
Investor's Business Daily: Breaking News
SEC warns of 'pump and dump' phone scam
The Securities and Exchange Commission on Thursday warned investors to beware of a "wrong number" stock scam sweeping the nation involving a female caller who leaves phony stock tips. See full story.
Hot stock tip from Debbie is a stupid investment
Saul Nirenberg's daughter Sally called him on Sunday, Aug. 1, excited about a stock. Sally had come home that day to a message on her answering machine that seemed like an accidental stroke of luck, a misplaced hot stock tip.
Personal Finance Daily -- Aug. 20
Investor's Business Daily: Breaking News
SEC warns of 'pump and dump' phone scam
The Securities and Exchange Commission on Thursday warned investors to beware of a "wrong number" stock scam sweeping the nation involving a female caller who leaves phony stock tips. See full story.
Hot stock tip from Debbie is a stupid investment
Saul Nirenberg's daughter Sally called him on Sunday, Aug. 1, excited about a stock. Sally had come home that day to a message on her answering machine that seemed like an accidental stroke of luck, a misplaced hot stock tip.
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Stock Help: Stock Scam Warning
Stock Scam Warning
Personal Finance Daily -- Aug. 20
Investor's Business Daily: Breaking News
SEC warns of 'pump and dump' phone scam
The Securities and Exchange Commission on Thursday warned investors to beware of a "wrong number" stock scam sweeping the nation involving a female caller who leaves phony stock tips. See full story.
Hot stock tip from Debbie is a stupid investment
Saul Nirenberg's daughter Sally called him on Sunday, Aug. 1, excited about a stock. Sally had come home that day to a message on her answering machine that seemed like an accidental stroke of luck, a misplaced hot stock tip.
Personal Finance Daily -- Aug. 20
Investor's Business Daily: Breaking News
SEC warns of 'pump and dump' phone scam
The Securities and Exchange Commission on Thursday warned investors to beware of a "wrong number" stock scam sweeping the nation involving a female caller who leaves phony stock tips. See full story.
Hot stock tip from Debbie is a stupid investment
Saul Nirenberg's daughter Sally called him on Sunday, Aug. 1, excited about a stock. Sally had come home that day to a message on her answering machine that seemed like an accidental stroke of luck, a misplaced hot stock tip.
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Saturday, August 21, 2004
Wall St.'s Nest Egg - the Housing Sector
Wall St.'s Nest Egg - the Housing Sector
Real estate has been the "comfort food" of investors in recent years. "Investors coming out of the debacle of the bubble have taken a lot of comfort in housing, an investment that they can count on -- and not much has happened to shake them of that view," Meckler said.
With mortgage rates restrained and inflation under wraps, Glassman said demand for real estate will remain relatively strong. But a significant jump in inflation would probably derail the market.
Real estate has been the "comfort food" of investors in recent years. "Investors coming out of the debacle of the bubble have taken a lot of comfort in housing, an investment that they can count on -- and not much has happened to shake them of that view," Meckler said.
With mortgage rates restrained and inflation under wraps, Glassman said demand for real estate will remain relatively strong. But a significant jump in inflation would probably derail the market.
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Financial Planning for the Elderly Requires Hard but Necessary Choices (washingtonpost.com)
Financial Planning for the Elderly Requires Hard but Necessary Choices (washingtonpost.com)
Financial Planning for the Elderly Requires Hard but Necessary Choices
By Michelle Singletary
Thursday, August 19, 2004; Page E03
I knew I would get a lot of mail following a column I wrote about helping my elderly great-aunt with her finances.
But one e-mail in particular caught my attention. A 75-year-old reader from Maryland has an interesting, if not typical, dilemma. She and her 79-year-old husband have started wondering which relative to turn to for help in managing their money in the event they become incapacitated.
Financial Planning for the Elderly Requires Hard but Necessary Choices
By Michelle Singletary
Thursday, August 19, 2004; Page E03
I knew I would get a lot of mail following a column I wrote about helping my elderly great-aunt with her finances.
But one e-mail in particular caught my attention. A 75-year-old reader from Maryland has an interesting, if not typical, dilemma. She and her 79-year-old husband have started wondering which relative to turn to for help in managing their money in the event they become incapacitated.
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PRESS RELEASE: Holistic Financial Planning - Good for the Body and Soul
Holistic Financial Planning - Good for the Body and Soul
Since SPIRITUS, Financial Planning Inc, opened for business one year ago, it has been non-stop for company founder Mark Zaifman. Although Zaifman, a former tax accountant, had a strong sense that people need help with money issues, he had no idea how confused many people are and how physically and emotionally stressed they become when dealing with their own personal finances. So much in fact that, the national magazine, Natural Health featured Zaifman, along with local authors Deborah Price and Lynne Twist in an article titled, Money Changes Everything, in their September 2004 issue.
Santa Rosa, CA (PRWEB) August 20, 2004 - Zaifman's Spiritus focuses on values-based money management. "We are proud to be different. We offer financial planning that does not separate your finances from the rest of your life. We focus our attention not only on your money, but also on you — your hopes, values, questions and concerns regarding your money and your life."
Zaifman has found that collaborations with psychotherapists as well as money coaches such as Deborah Price, author of Money Magic have been invaluable. "Many people have deep issues surrounding money, so it works well when they can explore healing options with a therapist or life coach and then work with me on the 'nuts and bolts' of integrative financial planning." Money, life, and personal values - all are interrelated and have to be addressed in order to get one's financial life organized. It is at this point that people are able to give themselves and their family a very powerful offering, the gift of a sound financial future.
"Helping people get on the right track financially is the most rewarding work I know. I never planned on using my accounting degree in a student/teacher capacity, especially around spirituality and money, and yet it seems to be what most people crave." Solid economic education, meaningful and relevant financial information and a true sense of what is truly important to the individual is what many people need and what Spiritus specializes in. By integrating the whole person; mind, body and spirit, Zaifman has changed the way some people look at the frightening and often intimidating world of money. "I am thrilled and honored to use my experience and knowledge to help people achieve their financial goals and dreams."
Spiritus Financial Planning, Inc. is an independent financial planning firm based in Northern California's wine country. Spiritus is fee based and client focused whose core competence is comprehensive financial planning for individuals, couples and small business owners.
Since SPIRITUS, Financial Planning Inc, opened for business one year ago, it has been non-stop for company founder Mark Zaifman. Although Zaifman, a former tax accountant, had a strong sense that people need help with money issues, he had no idea how confused many people are and how physically and emotionally stressed they become when dealing with their own personal finances. So much in fact that, the national magazine, Natural Health featured Zaifman, along with local authors Deborah Price and Lynne Twist in an article titled, Money Changes Everything, in their September 2004 issue.
Santa Rosa, CA (PRWEB) August 20, 2004 - Zaifman's Spiritus focuses on values-based money management. "We are proud to be different. We offer financial planning that does not separate your finances from the rest of your life. We focus our attention not only on your money, but also on you — your hopes, values, questions and concerns regarding your money and your life."
Zaifman has found that collaborations with psychotherapists as well as money coaches such as Deborah Price, author of Money Magic have been invaluable. "Many people have deep issues surrounding money, so it works well when they can explore healing options with a therapist or life coach and then work with me on the 'nuts and bolts' of integrative financial planning." Money, life, and personal values - all are interrelated and have to be addressed in order to get one's financial life organized. It is at this point that people are able to give themselves and their family a very powerful offering, the gift of a sound financial future.
"Helping people get on the right track financially is the most rewarding work I know. I never planned on using my accounting degree in a student/teacher capacity, especially around spirituality and money, and yet it seems to be what most people crave." Solid economic education, meaningful and relevant financial information and a true sense of what is truly important to the individual is what many people need and what Spiritus specializes in. By integrating the whole person; mind, body and spirit, Zaifman has changed the way some people look at the frightening and often intimidating world of money. "I am thrilled and honored to use my experience and knowledge to help people achieve their financial goals and dreams."
Spiritus Financial Planning, Inc. is an independent financial planning firm based in Northern California's wine country. Spiritus is fee based and client focused whose core competence is comprehensive financial planning for individuals, couples and small business owners.
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Free Business Directory Listings
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East Valley Living
Your GUIDE to the East Valley of Phoenix Arizona - Free Business directory, Bar Guide, Restaurant directory and news.
East Valley
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Phoenix Arizona East Valley Community Index
480 Area Code Guide
East Valley - Phoenix Arizona - Items, Events, and Entertainment Guide for the Phoenix Arizona 480 area code in the East Valley of Phoenix AZ. 480 Guide will keep you informed about interesting items and happenings in the the area.
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Your GUIDE to the East Valley of Phoenix Arizona - Free Business directory, Bar Guide, Restaurant directory and news.
East Valley
East Valley Community Partners
Phoenix Arizona East Valley Community Index
480 Area Code Guide
East Valley - Phoenix Arizona - Items, Events, and Entertainment Guide for the Phoenix Arizona 480 area code in the East Valley of Phoenix AZ. 480 Guide will keep you informed about interesting items and happenings in the the area.
East Valley Community Partners
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Thursday, August 19, 2004
Personal Finance: Job upheaval
Welcome to the Tucson Citizen
Personal Finance: Job upheaval leads many to find ways to cut costs
Whether a person faces a layoff, a pay cut or is starting a business, it's the right time to assess spending.
EMILY SIMNITT
The (Boise) Idaho Statesman
Gannett News Service
Money was tight when Cathy Leamy started a mortgage banking business and she had to change spending habits. The move allowed her to spend more time with her son, Ryan, 11.
orking isn't what it used to be. A shaky economy with resulting layoffs, pay cuts and general uneasiness has made for stressed-out families.
Take Trevor Everson. The father of three worked at Hewlett-Packard for 10 years and was building a house when he was let go in 2003.
An electronics technician, he now works at SCP Global Technologies in Boise, Idaho. He's making two-thirds what he made at HP, but he's getting by.
Personal Finance: Job upheaval leads many to find ways to cut costs
Whether a person faces a layoff, a pay cut or is starting a business, it's the right time to assess spending.
EMILY SIMNITT
The (Boise) Idaho Statesman
Gannett News Service
Money was tight when Cathy Leamy started a mortgage banking business and she had to change spending habits. The move allowed her to spend more time with her son, Ryan, 11.
orking isn't what it used to be. A shaky economy with resulting layoffs, pay cuts and general uneasiness has made for stressed-out families.
Take Trevor Everson. The father of three worked at Hewlett-Packard for 10 years and was building a house when he was let go in 2003.
An electronics technician, he now works at SCP Global Technologies in Boise, Idaho. He's making two-thirds what he made at HP, but he's getting by.
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Monday, August 16, 2004
What Health Coverage Doesn't Cover
What Health Coverage Doesn't Cover
August 2004 (Newstream) -- Even if you have health insurance, you could still find yourself shelling out cash for certain medical costs. That's because your standard health insurance doesn't cover all the out of pocket expenses you incur every year. In fact, Americans coughed up more than $200 billion in out of pocket medical payments in 2002, according to the Insurance Information Institute. However, there are ways to defray those costs.
Supplemental coverage can help pay for expenses not covered by your insurance. For example, supplemental insurance like disability insurance can help cover lost wages if you were injured and unable to work. Cancer coverage can help pay for treatments and surgeries not covered by your primary care insurance. And other supplemental coverages like dental, vision, and critical illness insurance can help offset other costs.
But remember, supplemental health coverage is not intended to replace medical insurance - it's designed to help cover those expenses left uncovered by your primary plan.
August 2004 (Newstream) -- Even if you have health insurance, you could still find yourself shelling out cash for certain medical costs. That's because your standard health insurance doesn't cover all the out of pocket expenses you incur every year. In fact, Americans coughed up more than $200 billion in out of pocket medical payments in 2002, according to the Insurance Information Institute. However, there are ways to defray those costs.
Supplemental coverage can help pay for expenses not covered by your insurance. For example, supplemental insurance like disability insurance can help cover lost wages if you were injured and unable to work. Cancer coverage can help pay for treatments and surgeries not covered by your primary care insurance. And other supplemental coverages like dental, vision, and critical illness insurance can help offset other costs.
But remember, supplemental health coverage is not intended to replace medical insurance - it's designed to help cover those expenses left uncovered by your primary plan.
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Sunday, August 15, 2004
John Kerry On Iraq
John Kerry On Iraq
John Kerry On Iraq
John Kerry On Iraq
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Personal finance tip - 08/13/04
Personal finance tip - 08/13/04
Personal finance tip
Divorce in the picture? Review your will
If you are getting divorced, both you and your spouse should ask an attorney to review and revise your wills and related estate planning tools to account for your new status as single people.
When the divorce is finalized, you will probably need to redraft your will as well as other estate planning documents to change beneficiaries and trustees, at least. Pay careful attention to guardianship arrangements for children. A number of estate and gift tax opportunities and pitfalls may arise as a result of a divorce.
Personal finance tip
Divorce in the picture? Review your will
If you are getting divorced, both you and your spouse should ask an attorney to review and revise your wills and related estate planning tools to account for your new status as single people.
When the divorce is finalized, you will probably need to redraft your will as well as other estate planning documents to change beneficiaries and trustees, at least. Pay careful attention to guardianship arrangements for children. A number of estate and gift tax opportunities and pitfalls may arise as a result of a divorce.
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Saturday, August 14, 2004
Famous People on the web
Unfit for Command
 | Unfit for Command: Swift Boat Veterans Speak Out Against John Kerry Jerome R. Corsi Book from National Book Network, Release date: 15 August, 2004 $19.01 at Amazon.com, Not yet released. |
 | The Many Faces of John Kerry David N. Bossie Book from WND Books, Release date: 24 July, 2004 $15.39 at Amazon.com, Usually ships within 24 hours |
 | John F. Kerry: The Complete Biography By The Boston Globe Reporters Who Know Him Best (Publicaffairs Reports) Nina J. Easton Book from PublicAffairs, Release date: 27 April, 2004 $10.47 at Amazon.com, Usually ships within 24 hours |
Scary John Kerry and Vietnam Video
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Friday, August 13, 2004
Personal Finance Daily
Investor's Business Daily: Breaking News
Personal Finance Daily -- Aug. 13
By CBS MarketWatch
Last Updated: 8/13/2004 12:43:22 PM
It's no secret that most Americans don't save enough to guarantee themselves a comfortable retirement. But even those who save plenty may be hurting themselves by investing unwisely.
Since many of these savers are using a 401(k) plan as their primary retirement vehicle, you'd think they would be getting advice from the people who handle the employer-sponsored accounts. Probably not, at least not very useful advice.
Domain Names - Domain Name Registration
Domain Names - Domain Name Registration. Hosting Services. Register Domain names
Personal Finance Daily -- Aug. 13
By CBS MarketWatch
Last Updated: 8/13/2004 12:43:22 PM
It's no secret that most Americans don't save enough to guarantee themselves a comfortable retirement. But even those who save plenty may be hurting themselves by investing unwisely.
Since many of these savers are using a 401(k) plan as their primary retirement vehicle, you'd think they would be getting advice from the people who handle the employer-sponsored accounts. Probably not, at least not very useful advice.
Quotes World Famous Quotes
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Thursday, August 12, 2004
Renter's Insurance: Do I Need It?
Renter's Insurance: Do I Need It?
August 2004 (Newstream) -- If you are renting a home or apartment, and something happens to your belongings, it is up to your landlord's insurance policy to cover them, right? Wrong! That misconception could leave you empty handed and unprotected if the unthinkable occurs, which is why it is important to get renter's insurance.
A recent poll by the Independent Insurance Agents & Brokers of America found that two thirds of renters in the U.S. choose not to purchase renter's insurance - often under the belief that it's the landlord's responsibility. So, what kind of protection should you get to protect your property?
The average renter's insurance policy only covers your personal property within policy limits but many have provisions to cover additional living expenses if you're forced to stay elsewhere. So make sure you check your policy.
Once you purchase a renter's policy, take an inventory of all your belongings - furniture, electronics, even your clothes. A photo or video log will show your insurer all the belongings that were lost. Store your inventory somewhere safe outside your home and update it as needed. Also, be sure to discuss additional coverage options with your agency if you have any recent major purchases.
Possessions aren't any less valuable just because they belong to someone who rents. Even if you're on a tight budget it's important to purchase some level of protection for your belongings. Most renter's insurance is fairly inexpensive and will no doubt be cheaper than replacing all of the items lost if your home or apartment is damaged.
---------------
Produced for Allstate
August 2004 (Newstream) -- If you are renting a home or apartment, and something happens to your belongings, it is up to your landlord's insurance policy to cover them, right? Wrong! That misconception could leave you empty handed and unprotected if the unthinkable occurs, which is why it is important to get renter's insurance.
A recent poll by the Independent Insurance Agents & Brokers of America found that two thirds of renters in the U.S. choose not to purchase renter's insurance - often under the belief that it's the landlord's responsibility. So, what kind of protection should you get to protect your property?
The average renter's insurance policy only covers your personal property within policy limits but many have provisions to cover additional living expenses if you're forced to stay elsewhere. So make sure you check your policy.
Once you purchase a renter's policy, take an inventory of all your belongings - furniture, electronics, even your clothes. A photo or video log will show your insurer all the belongings that were lost. Store your inventory somewhere safe outside your home and update it as needed. Also, be sure to discuss additional coverage options with your agency if you have any recent major purchases.
Possessions aren't any less valuable just because they belong to someone who rents. Even if you're on a tight budget it's important to purchase some level of protection for your belongings. Most renter's insurance is fairly inexpensive and will no doubt be cheaper than replacing all of the items lost if your home or apartment is damaged.
---------------
Produced for Allstate
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Keeping Your Homeowner's Insurance Up to Date
Keeping Your Homeowner's Insurance Up to Date
August 2004 (Newstream) -- Record low interest rates and endless financing options have sent home values through the roof...up 8.5 percent from first quarter last year. If you're not buying...chances are you're making home improvements. One upgrade you may be forgetting is the one that helps protect you financially should your house be damaged or destroyed, homeowner's insurance.
The Census Bureau reports construction costs are rising on average 3.5 percent annually. Depending on the cost to rebuild in your area, the cost to rebuild your home could be significantly more than the price of your home when you bought it.
Experts say to help keep your home and its contents covered conduct an annual review of your homeowner's policy, documenting all home improvements. Although your premiums could rise, it might also be a good idea to increase your coverage as you invest more on home improvements. If you do, protective devices such as smoke alarms, fire extinguishers, burglar alarms and fire-proof construction materials may help lower your premium.
---------------
Produced for Allstate
Contact:
Scott Michaeloff, 212-980-9090
August 2004 (Newstream) -- Record low interest rates and endless financing options have sent home values through the roof...up 8.5 percent from first quarter last year. If you're not buying...chances are you're making home improvements. One upgrade you may be forgetting is the one that helps protect you financially should your house be damaged or destroyed, homeowner's insurance.
The Census Bureau reports construction costs are rising on average 3.5 percent annually. Depending on the cost to rebuild in your area, the cost to rebuild your home could be significantly more than the price of your home when you bought it.
Experts say to help keep your home and its contents covered conduct an annual review of your homeowner's policy, documenting all home improvements. Although your premiums could rise, it might also be a good idea to increase your coverage as you invest more on home improvements. If you do, protective devices such as smoke alarms, fire extinguishers, burglar alarms and fire-proof construction materials may help lower your premium.
---------------
Produced for Allstate
Contact:
Scott Michaeloff, 212-980-9090
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Former Wall Street Executive Takes Personal Finance Education to the Real Street: Main Street, USA.
Former Wall Street Executive Takes Personal Finance Education to the Real Street: Main Street, USA.
Financial literacy advocate and CEO of The Financial411, Teresa Dentino, launches new audio participatory educational program for evaluating 401(k) Mutual Fund Options.
Silicon Valley, CA (PRWEB) August 11, 2004 -- TheFinancial411.com announced today the first in a series of interactive personal finance Tele-Classes, produced and conducted by CEO and Founder Teresa Dentino. The classes will treat relevant investment process topics to promote greater transparency, literacy, and understanding about a variety of financial processes. Designed for the layperson’s understanding, these tutorials take the same metrics industry professionals use and place them in the public’s hands for easy access to learning at a deeper level than what prevailing financial education resources currently offer.
Tutorials will include topics ranging from understanding the mutual fund evaluation process, understanding the various fee structures offered by mutual fund companies, understanding which fee structure offers the greatest efficiency under various parameters, and – further out on the curve than the traditional concerns of the financial services arena - bringing to light critical financial strategies for women contemplating divorce or actively involved in the process, among others.
“The entire mission of theFinancial411 is to promote the awareness of processes that aren’t currently taught by either the investment firms, their salespeople, the mutual fund companies, or as in the case of divorce finance strategy, anywhere for that matter.” says Teresa Dentino. “If you explain to people the ‘nuts-and-bolts’ piece of the process, their chances for succeeding at the next-higher, more sophisticated levels are greatly improved.”
“After serving in the traditional financial services arena in various capacities including the founding of my own full-service firm and active money management, I decided that there was a distinct lack of attention given to this most fundamental level of understanding. I saw first hand, that providing this piece of the puzzle makes people more comfortable with finance in general, and also induces a greater level of participation. A lot of individual 401(k) plan participants I’ve advised were previously just shooting in the dark when it came to making their fund choices.”
Dentino goes on to explain the genesis of these programs: “I launched my firm in response to client requests for more meaningful educational tools, without the hype of investment sales promotion. By removing the money management piece from my services, I’ve intentionally lifted out the potential for conflict of interest and biased education. In this way, I can bring the highest level of service to my clientele.”
The Mutual411 program shows 401(k) participants – or any mutual fund investor - how to find the metrics used by professionals that are critical to evaluating their fund choices and improving their results. Accessible to anyone at no cost, and simple to learn, this data along with other analytical filters will be explained in a one-hour Teleclass taught personally by Teresa Dentino on the following dates and times. Class size is limited to 30 participants. The ability to navigate online while on the call is prerequisite to getting the most value from this program. The cost of the Tele Class is $20.00 plus any long distance charges you may incur through your own telephone carrier.
Tuesday
August 17, 2004
Noon – 1 PM PST
Thursday
August 19, 2004
3 PM – 4 PM PST
Interested individuals can view more details, register or sign up for future classes at: http://www.theFinancial411.com/Mutual411.html or Call 650.851.8959.
Email: info@thefinancial411.com
Teresa M. Dentino is the CEO/Founder of theFinancial411, a financial literacy advisory practice based in Woodside, CA. She also writes and publishes the personal finance newsletter for women: "Financial Rights of Passage". Teresa also offers several Divorce Finance ‘Boot Camps’ for women only.
View details of Divorce ‘Boot Camps’ here: www.theFinancial411.com/ByInvitationOnly1.html
Credentials may be viewed at: www.theFinancial411.com/Founder.html
For those interested in the personal finance digest: "Financial Rights of Passage", visit
http://theFinancial411.com/Newsletter.html
A frequent speaker on the subject of promoting financial literacy to individuals and within the community, you may contact her directly for speaking engagements or media appearances.
Contact Information:
theFinancial411.com
Teresa M. Dentino
CEO/Founder
Low Carb Recipes
Famous Quotes
Financial literacy advocate and CEO of The Financial411, Teresa Dentino, launches new audio participatory educational program for evaluating 401(k) Mutual Fund Options.
Silicon Valley, CA (PRWEB) August 11, 2004 -- TheFinancial411.com announced today the first in a series of interactive personal finance Tele-Classes, produced and conducted by CEO and Founder Teresa Dentino. The classes will treat relevant investment process topics to promote greater transparency, literacy, and understanding about a variety of financial processes. Designed for the layperson’s understanding, these tutorials take the same metrics industry professionals use and place them in the public’s hands for easy access to learning at a deeper level than what prevailing financial education resources currently offer.
Tutorials will include topics ranging from understanding the mutual fund evaluation process, understanding the various fee structures offered by mutual fund companies, understanding which fee structure offers the greatest efficiency under various parameters, and – further out on the curve than the traditional concerns of the financial services arena - bringing to light critical financial strategies for women contemplating divorce or actively involved in the process, among others.
“The entire mission of theFinancial411 is to promote the awareness of processes that aren’t currently taught by either the investment firms, their salespeople, the mutual fund companies, or as in the case of divorce finance strategy, anywhere for that matter.” says Teresa Dentino. “If you explain to people the ‘nuts-and-bolts’ piece of the process, their chances for succeeding at the next-higher, more sophisticated levels are greatly improved.”
“After serving in the traditional financial services arena in various capacities including the founding of my own full-service firm and active money management, I decided that there was a distinct lack of attention given to this most fundamental level of understanding. I saw first hand, that providing this piece of the puzzle makes people more comfortable with finance in general, and also induces a greater level of participation. A lot of individual 401(k) plan participants I’ve advised were previously just shooting in the dark when it came to making their fund choices.”
Dentino goes on to explain the genesis of these programs: “I launched my firm in response to client requests for more meaningful educational tools, without the hype of investment sales promotion. By removing the money management piece from my services, I’ve intentionally lifted out the potential for conflict of interest and biased education. In this way, I can bring the highest level of service to my clientele.”
The Mutual411 program shows 401(k) participants – or any mutual fund investor - how to find the metrics used by professionals that are critical to evaluating their fund choices and improving their results. Accessible to anyone at no cost, and simple to learn, this data along with other analytical filters will be explained in a one-hour Teleclass taught personally by Teresa Dentino on the following dates and times. Class size is limited to 30 participants. The ability to navigate online while on the call is prerequisite to getting the most value from this program. The cost of the Tele Class is $20.00 plus any long distance charges you may incur through your own telephone carrier.
Tuesday
August 17, 2004
Noon – 1 PM PST
Thursday
August 19, 2004
3 PM – 4 PM PST
Interested individuals can view more details, register or sign up for future classes at: http://www.theFinancial411.com/Mutual411.html or Call 650.851.8959.
Email: info@thefinancial411.com
Teresa M. Dentino is the CEO/Founder of theFinancial411, a financial literacy advisory practice based in Woodside, CA. She also writes and publishes the personal finance newsletter for women: "Financial Rights of Passage". Teresa also offers several Divorce Finance ‘Boot Camps’ for women only.
View details of Divorce ‘Boot Camps’ here: www.theFinancial411.com/ByInvitationOnly1.html
Credentials may be viewed at: www.theFinancial411.com/Founder.html
For those interested in the personal finance digest: "Financial Rights of Passage", visit
http://theFinancial411.com/Newsletter.html
A frequent speaker on the subject of promoting financial literacy to individuals and within the community, you may contact her directly for speaking engagements or media appearances.
Contact Information:
theFinancial411.com
Teresa M. Dentino
CEO/Founder
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Personal finance Q
Personal finance Q & A - 08/11/04
Personal finance Q & A
Question: When did the capital gains tax rates last change? What are the current capital gains tax rates?
Answer: The current rates apply to sales of assets after May 6, 2003. Capital gains taxes are taxes on an asset that has been held for a certain period, (usually six months to a year) and then sold for a profit.
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Personal finance Q & A
Question: When did the capital gains tax rates last change? What are the current capital gains tax rates?
Answer: The current rates apply to sales of assets after May 6, 2003. Capital gains taxes are taxes on an asset that has been held for a certain period, (usually six months to a year) and then sold for a profit.
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Wednesday, August 11, 2004
Union Central Selects eMoney Advisor's Financial Planning Software for Enterprise-Wide Adoption
Union Central Selects eMoney Advisor's Financial Planning Software for Enterprise-Wide Adoption
CONSHOHOCKEN, Pa.--(BUSINESS WIRE)--Aug. 10, 2004--eMoney Advisor
-- Enterprise-Wide Implementation to Support Firm's Wealth Management Services and Recruiting Initiatives
-- eMoney Advisor Continues Its Leadership in Insurance with Advisors and Brokers
eMoney Advisor, a leading provider of comprehensive wealth planning and client management solutions, today announced that Union Central, a leading mutual insurance and investments company, has selected eMoney's AdvisorPlatform(TM) as its financial planning platform for the enterprise. Union Central selected the eMoney system as the result of a successful pilot program. Results of the pilots, which ran in Toledo and Cincinnati, Ohio, Charlotte, North Carolina and Phoenixville, Pennsylvania, included increased product sales and planning fees, better client relationships, and an overall more professional image of the firm. Over the next six months, the AdvisorPlatform will be rolled out nationwide, marketed under the name Wealth eValuator.
"We needed a comprehensive, yet intuitive, planning platform that would serve the needs of our field representatives, as well as one that would support the firm's overall objectives of increased productivity, product sales and recruiting," said Kevin O'Toole, Vice President of Agencies for Union Central. "eMoney was able to deliver on that criteria and we are looking forward to mirroring the results from our pilots to our other agencies throughout the country."
eMoney's AdvisorPlatform is an award-winning, web-based wealth-planning tool that offers an aggregated, comprehensive view of a client's financial portfolio, as well as features and functions that enable more complete planning and better servicing of a client's needs. With the AdvisorPlatform, advisors can proactively manage their client relationships by identifying strengths and weaknesses in asset allocation, keeping accounts up-to-date, and monitoring significant changes in their clients' financial status.
The AdvisorPlatform also includes the most robust Client Financial Home Page available through any planning system, giving clients 24x7 access to their updated, aggregated financial information, an online document storage Vault for their legal and financial documents, and now frequent flier mileage and other point programs.
"Our growing traction in the insurance industry is a reflection of the strength of our technology, our understanding of that industry and our focus on the advisor's success," said Edmond Walters, CEO of eMoney Advisor. "Union Central is an excellent example of a financial services firm that understands how technology can be leveraged to their advantage."
About Union Central
Now in its 137th year, Union Central is a mutual insurance and investments company licensed to conduct business in all 50 states and the District of Columbia. With $6 billion in assets, Union Central ranks among the top 10 mutual life insurance companies in the nation, based upon admitted assets or total life insurance in force.
About eMoney Advisor
eMoney Advisor is an award-winning provider of holistic wealth planning solutions focused on maximizing the value of the advisor-client relationship for financial services companies. eMoney's AdvisorPlatform is a web-based wealth-planning tool that offers an aggregated, comprehensive view of a client's financial life, as well as features and functions that enable real-time, in-depth planning and proactive servicing of a client's needs. eMoney's solutions are currently being used by thousands of advisors in more than 40 states across the country, including advisors from large enterprises such as Massachusetts Mutual Insurance Company (MassMutual), Ameritas Acacia, PricewaterhouseCoopers, Century Business Services, Inc. (CBIZ) and First Commonwealth, among others. eMoney also counts some of the nation's leading advisory firms as clients, including Premier Planning Group LLC, the Andesa Group, and the Staubach Companies. For more information, visit our web site at www.emoneyadvisor.com.
Contacts
eMoney Advisor
Rachel Kingery, 412-621-2526
CONSHOHOCKEN, Pa.--(BUSINESS WIRE)--Aug. 10, 2004--eMoney Advisor
-- Enterprise-Wide Implementation to Support Firm's Wealth Management Services and Recruiting Initiatives
-- eMoney Advisor Continues Its Leadership in Insurance with Advisors and Brokers
eMoney Advisor, a leading provider of comprehensive wealth planning and client management solutions, today announced that Union Central, a leading mutual insurance and investments company, has selected eMoney's AdvisorPlatform(TM) as its financial planning platform for the enterprise. Union Central selected the eMoney system as the result of a successful pilot program. Results of the pilots, which ran in Toledo and Cincinnati, Ohio, Charlotte, North Carolina and Phoenixville, Pennsylvania, included increased product sales and planning fees, better client relationships, and an overall more professional image of the firm. Over the next six months, the AdvisorPlatform will be rolled out nationwide, marketed under the name Wealth eValuator.
"We needed a comprehensive, yet intuitive, planning platform that would serve the needs of our field representatives, as well as one that would support the firm's overall objectives of increased productivity, product sales and recruiting," said Kevin O'Toole, Vice President of Agencies for Union Central. "eMoney was able to deliver on that criteria and we are looking forward to mirroring the results from our pilots to our other agencies throughout the country."
eMoney's AdvisorPlatform is an award-winning, web-based wealth-planning tool that offers an aggregated, comprehensive view of a client's financial portfolio, as well as features and functions that enable more complete planning and better servicing of a client's needs. With the AdvisorPlatform, advisors can proactively manage their client relationships by identifying strengths and weaknesses in asset allocation, keeping accounts up-to-date, and monitoring significant changes in their clients' financial status.
The AdvisorPlatform also includes the most robust Client Financial Home Page available through any planning system, giving clients 24x7 access to their updated, aggregated financial information, an online document storage Vault for their legal and financial documents, and now frequent flier mileage and other point programs.
"Our growing traction in the insurance industry is a reflection of the strength of our technology, our understanding of that industry and our focus on the advisor's success," said Edmond Walters, CEO of eMoney Advisor. "Union Central is an excellent example of a financial services firm that understands how technology can be leveraged to their advantage."
About Union Central
Now in its 137th year, Union Central is a mutual insurance and investments company licensed to conduct business in all 50 states and the District of Columbia. With $6 billion in assets, Union Central ranks among the top 10 mutual life insurance companies in the nation, based upon admitted assets or total life insurance in force.
About eMoney Advisor
eMoney Advisor is an award-winning provider of holistic wealth planning solutions focused on maximizing the value of the advisor-client relationship for financial services companies. eMoney's AdvisorPlatform is a web-based wealth-planning tool that offers an aggregated, comprehensive view of a client's financial life, as well as features and functions that enable real-time, in-depth planning and proactive servicing of a client's needs. eMoney's solutions are currently being used by thousands of advisors in more than 40 states across the country, including advisors from large enterprises such as Massachusetts Mutual Insurance Company (MassMutual), Ameritas Acacia, PricewaterhouseCoopers, Century Business Services, Inc. (CBIZ) and First Commonwealth, among others. eMoney also counts some of the nation's leading advisory firms as clients, including Premier Planning Group LLC, the Andesa Group, and the Staubach Companies. For more information, visit our web site at www.emoneyadvisor.com.
Contacts
eMoney Advisor
Rachel Kingery, 412-621-2526
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Monday, August 09, 2004
Personal Finance and Financial Planning Service
Keeping Your Homeowner's Insurance Up to Date
August 2004 (Newstream) --
Record low interest rates and endless financing options have sent home values through the roof...up 8.5 percent from first quarter last year. If you're not buying...chances are you're making home improvements. One upgrade you may be forgetting is the one that helps protect you financially should your house be damaged or destroyed, homeowner's insurance.
The Census Bureau reports construction costs are rising on average 3.5 percent annually. Depending on the cost to rebuild in your area, the cost to rebuild your home could be significantly more than the price of your home when you bought it.
Experts say to help keep your home and its contents covered conduct an annual review of your homeowner's policy, documenting all home improvements. Although your premiums could rise, it might also be a good idea to increase your coverage as you invest more on home improvements. If you do, protective devices such as smoke alarms, fire extinguishers, burglar alarms and fire-proof construction materials may help lower your premium.
---------------
August 2004 (Newstream) --
Record low interest rates and endless financing options have sent home values through the roof...up 8.5 percent from first quarter last year. If you're not buying...chances are you're making home improvements. One upgrade you may be forgetting is the one that helps protect you financially should your house be damaged or destroyed, homeowner's insurance.
The Census Bureau reports construction costs are rising on average 3.5 percent annually. Depending on the cost to rebuild in your area, the cost to rebuild your home could be significantly more than the price of your home when you bought it.
Experts say to help keep your home and its contents covered conduct an annual review of your homeowner's policy, documenting all home improvements. Although your premiums could rise, it might also be a good idea to increase your coverage as you invest more on home improvements. If you do, protective devices such as smoke alarms, fire extinguishers, burglar alarms and fire-proof construction materials may help lower your premium.
---------------
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Financial planning helps out caregiver - 08/09/04
Financial planning helps out caregiver
Financial planning helps out caregiver - 08/09/04
Family Finances
Financial planning helps out caregiver
Dealing with money issues beforehand can reduce stress
By Anne Mitchell / Gannett News Service
As much as America and the world sympathized with Nancy Reagan over the loss of her husband, many of the 22 million Americans tackling the job of unpaid caregiver do so with far fewer resources and very little help.
And it’s a daunting task.
If Nancy Reagan had had to take care of the former president single-handed, as many caregivers do, she could have died before her husband, said Sue Piirainen, a certified long-term care professional in North Fort Myers, Fla., whose clients include people caring for ailing parents or a spouse.
Financial planning helps out caregiver - 08/09/04
Family Finances
Financial planning helps out caregiver
Dealing with money issues beforehand can reduce stress
By Anne Mitchell / Gannett News Service
As much as America and the world sympathized with Nancy Reagan over the loss of her husband, many of the 22 million Americans tackling the job of unpaid caregiver do so with far fewer resources and very little help.
And it’s a daunting task.
If Nancy Reagan had had to take care of the former president single-handed, as many caregivers do, she could have died before her husband, said Sue Piirainen, a certified long-term care professional in North Fort Myers, Fla., whose clients include people caring for ailing parents or a spouse.
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heraldsun.com: Katherine Leith: Financial planning...
Katherine Leith: Financial planning is important as we get older
heraldsun.com: Katherine Leith: Financial planning...
Katherine Leith: Financial planning is important as we get older
National Association of Personal Financial Advisers
By Katherine Leith : The Herald-Sun
kleith@co.orange.nc.us
Aug 3, 2004 : 10:15 pm ET
DURHAM -- Periodically, someone comes into my office after a major life change, such as a spouse dying, a divorce or an illness. All of these can cause major changes in finances, and can happen at any age.
One woman was widowed at age 32 and left with three children. She didn't know what to do with the insurance check so she carried it in her purse until it expired. Finally, it was reissued and deposited.
Today, she's a financial planner who specializes in helping women.
heraldsun.com: Katherine Leith: Financial planning...
Katherine Leith: Financial planning is important as we get older
National Association of Personal Financial Advisers
By Katherine Leith : The Herald-Sun
kleith@co.orange.nc.us
Aug 3, 2004 : 10:15 pm ET
DURHAM -- Periodically, someone comes into my office after a major life change, such as a spouse dying, a divorce or an illness. All of these can cause major changes in finances, and can happen at any age.
One woman was widowed at age 32 and left with three children. She didn't know what to do with the insurance check so she carried it in her purse until it expired. Finally, it was reissued and deposited.
Today, she's a financial planner who specializes in helping women.
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Investor's Business Daily: Breaking News
Personal Finance Daily - Unclaimed Pensions
Investor's Business Daily: Breaking News
Personal Finance Daily -- Aug. 9
By CBS MarketWatch
Last Updated: 8/9/2004 1:05:32 PM
From the time we are kids, we dream of finding buried treasure in the backyard -- a sack of gold coins stashed during the Civil War, say, or a wad of twenties that wasn't entrusted to a bank during the Depression.
Even if our fantasies become a little more down to earth as we age -- hey, maybe that lottery ticket someone threw in the trash is a winner -- we really don't ever stop imagining ourselves finding a diamond in the rough.
So admit it. When those "unclaimed property" ads appear in the local newspaper, you check for your name, your mother's maiden name and your long-lost uncle's name. Just maybe somebody left you something of value that, oddly enough, you were never told about.
Today may be your lucky day. A federal government agency is holding $75 million in unclaimed pensions
Investor's Business Daily: Breaking News
Personal Finance Daily -- Aug. 9
By CBS MarketWatch
Last Updated: 8/9/2004 1:05:32 PM
From the time we are kids, we dream of finding buried treasure in the backyard -- a sack of gold coins stashed during the Civil War, say, or a wad of twenties that wasn't entrusted to a bank during the Depression.
Even if our fantasies become a little more down to earth as we age -- hey, maybe that lottery ticket someone threw in the trash is a winner -- we really don't ever stop imagining ourselves finding a diamond in the rough.
So admit it. When those "unclaimed property" ads appear in the local newspaper, you check for your name, your mother's maiden name and your long-lost uncle's name. Just maybe somebody left you something of value that, oddly enough, you were never told about.
Today may be your lucky day. A federal government agency is holding $75 million in unclaimed pensions
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Sunday, August 08, 2004
Personal finance: Borrowing beyond what's wise poses serious risks - billingsgazette.com
Personal finance: Borrowing beyond what's wise poses serious risks - billingsgazette.com
Personal finance: Borrowing beyond what's wise poses serious risks
Jeff Brown
PERSONAL FINANCE
Here's a new term (to me at least): maximum prudent leverage, or MPL.
I found it in the August edition of Portfolio, a publication produced by JPMorgan Private Bank for its rich clients.
Basically, maximum prudent leverage means the largest amount a person, family or business can borrow without taking on too much risk. That's not the same as the maximum a lender will give you, it's less.
A mortgage company might figure it's just fine for you to use a third of your gross income for debt payments. But it cares only that you can make the payments, it doesn't care about your standard of living.
Personal finance: Borrowing beyond what's wise poses serious risks
Jeff Brown
PERSONAL FINANCE
Here's a new term (to me at least): maximum prudent leverage, or MPL.
I found it in the August edition of Portfolio, a publication produced by JPMorgan Private Bank for its rich clients.
Basically, maximum prudent leverage means the largest amount a person, family or business can borrow without taking on too much risk. That's not the same as the maximum a lender will give you, it's less.
A mortgage company might figure it's just fine for you to use a third of your gross income for debt payments. But it cares only that you can make the payments, it doesn't care about your standard of living.
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ic Wales - Personal finance call
ic Wales - Personal finance call
Personal finance call Aug 6 2004
The Western Mail
CALLS were made yesterday for the people of Wales to be given better financial education to address the nation's crippling debt problem.
The demands by Citizens Advice Cymru were made during a seminar attended by Assembly Education Minister Jane Davidson at the National Eisteddfod.
Personal finance call Aug 6 2004
The Western Mail
CALLS were made yesterday for the people of Wales to be given better financial education to address the nation's crippling debt problem.
The demands by Citizens Advice Cymru were made during a seminar attended by Assembly Education Minister Jane Davidson at the National Eisteddfod.
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Philadelphia Inquirer | 08/08/2004 | On Personal Finance | Investors find it murkier than ever out there
Philadelphia Inquirer | 08/08/2004 | On Personal Finance | Investors find it murkier than ever out there
On Personal Finance | Investors find it murkier than ever out there
By Jeff Brown
Inquirer Columnist
When the Federal Open Market Committee meets this week, it is sure to raise short-term interest rates a quarter point to head off inflation.
Scratch that. Let's try this:
When the FOMC meets this week, it is likely to hold short-term rates steady, amid worries the recovery is faltering.
Well, let's not say that, either.
Fact is, we can't predict what the Federal Reserve will do, since the economic indicators are so confusing.
On Personal Finance | Investors find it murkier than ever out there
By Jeff Brown
Inquirer Columnist
When the Federal Open Market Committee meets this week, it is sure to raise short-term interest rates a quarter point to head off inflation.
Scratch that. Let's try this:
When the FOMC meets this week, it is likely to hold short-term rates steady, amid worries the recovery is faltering.
Well, let's not say that, either.
Fact is, we can't predict what the Federal Reserve will do, since the economic indicators are so confusing.
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Google Search: "Help Make Blogs More Visible!"
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Confessions of a Call Girl … or How to Give Good Phone
Confessions of a Call Girl … or How to Give Good Phone
Filed under: Research Mechanics by Dave at 6:09 am
sweet news! i contacted debbie bardon of bardon on call research and she has kindly granted me direct permission to repost her award winning article about primary research right here on little ol’ passingnotes.com in its entirety…this piece ran in competitive intelligence magazine (V7, N2, Mar/Apr ‘04 from scip), so to date it has been available only in print…my hope is that you folks will a) give it the attention it deserves by telling a million people to read it and b) send debbie tons of business so that she can travel the world and spend more time writing great articles like this one!
Confessions of a Call Girl … or How to Give Good Phone
This article was the 2003 Fletcher winner for original writing in Competitive Intelligence (’CI’).
Lesson One: Be Nice.
Lesson Two: What do clients really want?
Lesson Three: Smile, smile, smile.
Lesson Four: Butter up the gatekeeper.
Lesson Five: Flattery will get you everywhere.
Lesson Six: Persistence pays.
Lesson Seven: Don’t take it personal.
Lesson Eight: Script it.
Lesson Nine: Momma taught me good manners.
Lesson Ten: Don’t stop thinking about tomorrow.
In summary: Your parents were right
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Saturday, August 07, 2004
Help Make Blogs More Visible!
Help Make Blogs More Visible!
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There are by some estimates more than a million weblogs. But most of them get no visibility in search engines. Only a few "A-List" blogs get into the top search engine results for a given topic, while the majority of blogs just don't get noticed. The reason
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Help Make Blogs More Visible! Latest Code
NOTE: Be sure you paste live links for the Path List below.
There are by some estimates more than a million weblogs. But most of them get no visibility in search engines. Only a few "A-List" blogs get into the top search engine results for a given topic, while the majority of blogs just don't get noticed. The reason