Illinois man facing eviction finds $4.85m lottery ticket in cookie jar Éanna Ó Caollaí
Last Updated: Friday, May 17, 2013, 10:21 A man whose family was due to be evicted from their US home struck lucky this week when he claimed a $4.85 million (€3.76 million) winning lottery ticket he had stored in a glass cookie jar months previously.
Ricardo Cerezo (44) purchased the winning Illinois State Lottery ticket at a petrol station in Geneva, Ill, in February and placed it along with several other tickets in a jar which had been bought for him by his recently deceased 14 year-old daughter.
Savannah Cerezo who died last August following a sudden illness had purchased the cookie jar a few months before she died. The jar was subsequently used to store lottery tickets and keepsakes of her, Mr Cerezo told NBC Chicago.
The family was on the brink of foreclosure when, prompted by his wife to clear out the jar, Mr Cerezo took the tickets to a nearby petrol station. The eighth ticket he checked had the winning numbers.
“The last ticket said ‘file a claim’ not a congratulations, not an amount, it just said ‘file a claim’”, Mr Cerezo said. While the message did not indicate the amount won, it meant he had won at least $600.
“When I realised we had all six numbers it was that shocking moment of ‘Whoah could this really be?’” he told a press conference after collecting his winnings.
He said he called his son over to double check the numbers after which he said he said “Yep, it looks like a winner”
It was only later that Mr Cerezo realised how much he had won.
“The honest first emotion was mammoth regret. And regret again because our youngest wasn’t here to enjoy this.”
Mr Cerezo was told at a foreclosure hearing to find a new home or face eviction just three months earlier.
“That was on February 12th, so we were sitting on $4 million at that time in this jar,” he said. “We will have our home paid off,” Mr Cerezo told a press conference.
He was presented on Wednesday with a cheque for $4,850,000 at the 7-Eleven where he originally purchased the ticket. After taxes, Mr Cerezo will receive $3,395,000 (€3.06 million).
The Cerezos are planning to pay bills, pay off their mortgage and share some of their winnings with their son and daughter. They also plan to contribute to charity. “It is very important to us that we help others with this money,” Mr Cerezo said.
© 2013 irishtimes.com
Source
Good time to re-post this.....
KEEP YOUR INFORMATION PRIVATE
AND DO NOT GIVE YOUR INFORMATION TO ANYONE ON ANY FORUM OR CHAT ROOM TO GET A BANK DEAL..YOU CAN NEGOTIATE YOUR OWN WITH THE PRIVATE BANKER OF YOUR CHOICE.....KEEP IT PRIVATE BETWEEN YOU AND YOUR BANKER, ETC, OF CHOICE..THERE IS A REASON IT IS CALLED "PRIVATE".
FOR MORE INFORMATION ON PRIVATE BANKING AND THE QUESTIONS TO ASK THEM WHEN THE RV OCCURS, IS LOCATED ON THE PRE & POST RV TAB ON THE RIGHT HAND SIDE "PRIVATE BANKING".
ALSO CHECK OUT FINANCIAL PLANNING INFORMATION" TO HELP YOU IN CHECKING OUT PEOPLE YOU ARE CONSIDERING WORKING WITH - MAKE SURE YOU HAVE CHECKED THEM OUT BEFORE GIVING ANY INFORMATION TO ANYONE.. CHECK THEM OUT FIRST!!! TAKE YOUR TIME - THERE IS NO RUSH!!!
Private Banking: Contacts & Websites
Link
Capital One Private Banking Group
The personal service you've earned.
With Capital One Private Banking Group, you'll have a dedicated, experienced private banker who works hand-in-hand with your staff and our team of commercial banking specialists to create a customized solution that helps meet the financial objectives of your business. Our Private Banking Group will provide your company with the personal service that can help take your commercial banking – and business success – to a new level.
For more information, e-mail commercial@capitalonebank.com.
https://www.capitalone.com/bank/commercial/privatebanking/index.php
What is private banking?
Private banking is about much more than traditional banking services of deposits and loans. It's about providing the personal one-to-one service that is essential after a certain level of wealth. It's about finding creative solutions to complicated situations to help affluent individuals and their families manage their wealth today, and develop new sources of wealth for future generations.
From international tax and investment services to specialist advice for family offices, a private bank offers a comprehensive menu of sophisticated products and services that cater for the particular financial needs of a wealthy client.
Private banking with HSBC
At HSBC Private Bank, our approach is to take a complete view of your wealth. Your relationship manager will help you identify your wealth goals and develop personalised strategies to help you achieve them. We can help you:
Manage your wealth: Private banking is about building relationships. We believe in providing a service that is personal, and personalised. We begin by understanding your individual financial needs, and endeavour to find the best solutions to fit your inevitably unique situations
Develop and protect your wealth for the future: It is as important to manage your wealth today as it is to plan for tomorrow, and for the generations that follow you. With one of the largest trust businesses and a global network of investment services spanning six continents and all major markets, HSBC Private Bank strongly believes in securing the financial future of you and your family, and in finding new sources of wealth most appropriate to your needs and interests
Manage the impacts of wealth: Wealth can present unique lifestyle situations. Whether you are buying new homes, investing in art or even relocating overseas, a relationship with HSBC Private Bank opens up a range of specialist services to you and your family. Our teams of specialists offer expertise in areas including philanthropy, property investment, tax advisory and media.
Most importantly, we understand that your needs are different, as will be the solutions we offer. If you are looking for the services of a private bank, find out more about our services, or please contact us.
http://www.hsbcprivatebank.com/aboutus/what-is-private-banking.html
T D Bank Private Banking
For many of our clients, time is a precious asset. Dedicated to meeting the demands of business, and determined to enjoy the pleasures of family and friends, you look for all opportunities to make the most of every minute of every day. You look for a trusted advisor who can help you effectively manage your finances to free up more of your time.
Your financial goals and unique needs
If you need customized credit solutions or have other similar complex banking needs, then our higher level of service is for you. Your Private Banker plays a proactive role in helping you manage your finances, cultivate and preserve your assets, and transfer your wealth across generations. You'll have the peace of mind of knowing that a skilled and knowledgeable professional is keeping a close eye on your financial well-being.
Your Private Banker will work with you to understand your unique personal, family, and business circumstances and bring together a team of experts within Private Client Services in the areas of banking, investment, trust and estate.
Comprehensive solutions
To implement your plan, Private Banking, through TD Bank, N.A. and its affiliates, offers a wide range of borrowing, investment and banking solutions that recognize that your business and personal finances are often interconnected, including:
Deposit services
Credit Management Services
Investment Services
Estate Planning Services
We can provide individually structured borrowing designed to manage and build your assets and enhance long-term liquidity and tax effectiveness. In addition, we can work with your lawyers, accountants and other advisors at your request.
http://www.tdbank.com/investments/private_client_services/private_banking.html
Citi Bank Private Banking
Combining World-Class Investing and Private Banking
We are one of the leading providers of investing, banking, lending and wealth advice to the world's most successful individuals and families. We are an important
partner with technology and real estate entrepreneurs, law firms and attorneys, as well as the principals of venture-capital, private-equity and hedge-fund firms.
The leaders of industry, finance and culture come to us for the kind of comprehensive services they can only get from a truly global private bank with a broad base
of investing experience.
Exceptional Service
When a client joins us, he or she is assigned a Private Banker, who is dedicated to creating, managing and enhancing the client's wealth. Each Private Banker is
supported by a robust team of specialists in a variety of disciplines:
Investing
Risk Management
Lending
Investment Banking
Trust
Philanthropy
Art
and more.
But at all times, each Private Banker acts as the client's point of access to the vast resources of Citi—and what they can make possible. To see if we can
help you, find a Private Banker near you.
https://www.privatebank.citibank.com/our_firm.htm
J P Morgan Bank
More than 160 years helping the world's wealthiest individuals and their families grow, manage and sustain their wealth
Manage more than $600 billion in client assets
Serve clients from 64 offices globally; employ 5,610 people worldwide
Our Approach
Seek to deliver positive risk-adjusted returns appropriate to our clients' financial goals and risk tolerances
Provide an exceptional breadth and depth of wealth management solutions including investing, wealth structuring, capital advisory, philanthropy and banking
Leverage both J.P. Morgan-affiliated managers and third-party managers who are subject to rigorous ongoing due diligence
Communicate closely and regularly with clients to keep them constantly informed about the changing landscape
Compensate our advisors based on our clients' performance; no one is paid on commission
http://www.jpmorgan.com/pages/jpmorgan/private_banking/tampa?gclid=CLq3mMqGtqgCFQbe4AodEirYCA
Wells Fargo Bank
Wealth Planning
At Wells Fargo Private Bank, our holistic approach to wealth planning starts with your relationship manager. You and your relationship manager will draw support from a team of highly experienced specialists.
Key elements of wealth planning at The Private Bank
Our wealth planning process focuses on developing a clear picture of your unique needs and goals, and leads to a personalized action plan that aligns solutions with those goals.
The wealth planning process begins with a core planning review that enables us to:
Identify your key goals and objectives, and the wealth management issues most important to you
Gather the information necessary to develop a net worth statement
Understand your tolerance for investment risk
Review your basic estate documents, including wills, powers of attorney, living trusts and beneficiary designations
Your dedicated wealth planning team
From this foundational understanding, your relationship manager will coordinate a team of local specialists tailored to your unique needs and goals.
For clients with comprehensive or complex wealth planning needs, we can provide consultation on various components of your wealth plan, including:
Retirement and cash flow planning
Company benefits and equity compensation analysis
Risk analysis and insurance planning
Investment planning and asset allocation
Education funding analysis
Estate services and gift planning
Charitable planning
Corporate executive planning services
Business advisory services
Our highly experienced professionals also provide specialized wealth planning services to clients who own a closely held business, or hold a senior executive position at a Fortune 1000 firm.
The wealth planning process often identifies several options for you to consider. Your relationship manager and planning specialist can help you decide which of the solutions and strategies are most appropriate for you. Then, your relationship manager will mobilize The Private Bank’s full resources to put your plan into action.
https://www.wellsfargo.com/theprivatebank/
Charter One Private Bank & Trust
We locally deliver thoughtful, comprehensive
Wealth Management Services through experienced professionals - one client at a time.
Receive the around-the-clock personal attention you deserve from your dedicated private client team.
We know you’re busy. We know your daily demands. We understand that there are only 24-hours in a day to achieve the things you need to do – and that your personal banking and investments needs are more complex.
Charter One Private Bank & Trust can help.
If you’re an individual or institution with $1.5 million investable assets or more, we are committed to providing you the very best service we have to offer.
Your dedicated Client Advisor will handle all of your unique banking and investment needs. We’ll also meet with you regularly to ensure that your current strategy meets your objectives while updating and adjusting your plan as needed.
No matter where you are — China, Brazil, Paris or your own backyard–we can deliver 24/7, one-on-one private wealth management solutions for you including:
Banking Services
You can benefit from highly personalized banking products featuring our best relationship rates. As a Private Bank and Trust customer, you will also have access to exclusive debit cards and checks and receive expedited processing on loans, mortgages and credit card requests.
Investment Management Services
When it comes to investing, we understand that you have unique priorities, needs and risk tolerance. Whether it’s setting up a loan or managing your portfolio, our wealth management services are tailored to you, and your goals.
Estate Planning
You’ve worked hard over your lifetime. You’ve successfully grown your wealth. It’s no surprise that you want to make sure your wealth gets to the right people or organizations. Estate Planning can help you ensure that your plans will be fulfilled through Wills, Tax Planning, Power of Attorney and more.
Personal Trusts
There may come a time when you may have to assign someone else to manage and protect your assets; and safeguard your financial privacy. A trust is the perfect instrument to delegate this responsibility.
Charitable Planning
You’ve reaped the rewards of your hard work, and now you want to give back. We can help you explore many ways to donate to the causes that are important to you through charitable contributions, permanent legacies and foundations.
For more than 100 years, we’ve helped our clients preserve and grow wealth. As your trusted partner we will leverage our global resources to deliver local, sophisticated wealth management solutions to help you achieve your future dreams.
Ready to get started?
Learn more about our personalized wealth management services and how a Client Advisor from Charter One can handle all of your short and long-term banking and investing goals.
Call 1-888-411-8711
You can also visit a local branch, or we’ll contact you when you fill out the following quick and easy form:
Call 1-888-411-8711
Speak to a Client Advisor
http://www.charterone.com/personal-investing/private-banking.aspx
REPOST FROM 2011Private Bankers: Questions to AskLinkBelow are questions that may be helpful as a starting point when interviewing potential professionals whose services you may wish to engage such as Private Bankers, general legal counsel, tax attorneys, CPA’s, investment bankers, financial planners, or any expert whose advice upon which you would ever base important decisions.
The IQD Team
www.theiqdteam.com
1. How long have you been in practice?
2. Is this what you do exclusively?
3. Ask for client references. (They may not feel comfortable to give individual names as references, but more often will provide companies for which they perform services)
4. Let them know an approximate range of wealth for which you are getting their advice, and ask if that is a range with which they are either experienced or is that the range of their typical client?
5. Ask if you followed their advice and if there would be a regulatory, tax, or legal problem, would they be there for you during the audits, meetings, or legal proceedings until the situation is resolved?
6. Ask if their services/work or they themselves are insured, guaranteed, or bonded, and up to what limits?
7. Ask if they have had personal experience defending or arbitrating for clients in the field they are in
8. In those situations did they prevail, or were they able to successfully represent or defend their clients?
9. Ask for their education, certificates, licenses, and/or certifications they have achieved or have earned.
10. Ask them for any professional memberships or associations in which they may be a member in good standing.
11. Ask them if they offer any incentives, perks, etc for their clients.
Also, please make sure you check out their standing with state bar associations or licensing bureaus. Check out the FINANCIAL tab at www.theiqdteam.com for additional information on checking the background of professionals.questions_to_ask_professionals.txt
Financial Planner~~Questions to ask and Information~~Repost from Sept 2011
Repost from 2011
Financial Planners
You may be considering help from a financial planner for a number of reasons, whether it's deciding to buy a new home, planning for retirement or your children's education, or simply not having the time or expertise to get your finances in order. Whatever your needs, working with a financial planner can be a helpful step in securing your financial future.
The questions in this brochure will help you interview and evaluate several financial planners to find the one that's right for you. You will want to select a competent, qualified professional with whom you feel comfortable, one whose business style suits your financial planning needs. An interview checklist has been included for your convenience.
10 Questions
Checklist for Interviewing a Financial Planner
To Check the Disciplinary History of a Financial Planner or Adviser
To Find a Financial Planner in Your Area
Learn About Financial Planning Online
About CFP Board
10 Questions:
1. What experience do you have?
Find out how long the planner has been in practice and the number and types of companies with which she has been associated. Ask the planner to briefly describe her work experience and how it relates to her current practice. Choose a financial planner who has experience counseling individuals on their financial needs.
2. What are your qualifications?
The term "financial planner" is used by many financial professionals. Ask the planner what qualifies him to offer financial planning advice and whether he is recognized as a CERTIFIED FINANCIAL PLANNER™ professional or CFP® practitioner, a Certified Public Accountant/ Personal Financial Specialist (CPA/PFS), or a Chartered Financial Consultant (ChFC). Look for a planner who has proven experience in financial planning topics such as insurance, tax planning, investments, estate planning or retirement lanning.
Determine what steps the planner takes to stay current with changes and developments in the financial planning field. If the planner holds a financial planning designation or certification, check on his background with CFP Board or other relevant professional organizations.
Read More button on right
3. What services do you offer?
The services a financial planner offers depend on a number of factors including credentials, licenses and
areas of expertise. Generally, financial planners cannot sell insurance or securities products such as mutual funds or stocks without the proper licenses, or give investment advice unless registered with state or Federal authorities. Some planners offer financial planning advice on a range of topics but do not sell financial products. Others may provide advice only in specific areas such as estate planning or on tax matters.
4. What is your approach to financial planning?
Ask the financial planner about the type of clients and financial situations she typically likes to work with.
Some planners prefer to develop one plan by bringing together allof your financial goals. Others provide advice on specific areas, as needed. Make sure the planner's viewpoint on investing is not too cautious or overly aggressive for you. Some planners require you to have a certain net worth before offering services.
Find out if the planner will carry out the financial recommendations developed for you or refer you to others who will do so.
5. Will you be the only person working with me?
The financial planner may work with you himself or have others in the office assist him. You may want to meet everyone who will be working with you. If the planner works with professionals outside his own practice (such as attorneys, insurance agents or tax specialists) to develop or carry out financial planning recommendations, get a list of their names to check on their backgrounds.
6. How will I pay for your services?
As part of your financial planning agreement, the financial planner should clearly tell you in writing how she will be paid for the services to be provided.
Planners can be paid in several ways:
A salary paid by the company for which the planner works. The planner's employer receives payment from you or others, either in fees or commissions, in order to pay the planner's salary.
Fees based on an hourly rate, a flat rate, or on a percentage of your assets and/or income.
Commissions paid by a third party from the products sold to you to carry out the financial planning recommendations. Commissions are usually a percentage of the amount you invest in a product.
A combination of fees and commissions whereby fees are charged for the amount of work done to develop financial planning recommendations and commissions are received from any products sold. In addition, some planners may offset some portion of the fees you pay if they receive commissions for carrying out their recommendations.
7. How much do you typically charge?
While the amount you pay the planner will depend on your particular needs, the financial planner should be able to provide you with an estimate of possible costs based on the work to be performed. Such costs should include the planner's hourly rates or flat fees or the percentage he would receive as commission on products you may purchase as part of the financial planning recommendations.
8. Could anyone besides me benefit from your recommendations?
Some business relationships or partnerships that a planner has could affect her professional judgment while working with you, inhibiting the planner from acting in your best interest. Ask the planner to provide you with a description of her conflicts of interest in writing. For example, financial planners who sell insurance policies, securities or mutual funds have a business relationship with the companies that provide these financial products. The planner may also have relationships or partnerships that should be disclosed to you, such as business she receives for referring you to an insurance agent, accountant or attorney for implementation of planning suggestions.
9. Have you ever been publicly disciplined for any unlawful or unethical actions in your professional career?
Several government and professional regulatory organizations, such as the National Association of Securities Dealers (NASD), your state insurance and securities departments, and CFP Board keep records on the disciplinary history of financial planners and advisers. Ask what organizations the planner is regulated by and contact these groups to conduct a background check. (See listing at right.) All financial planners
who have registered as investment advisers with the Securities and Exchange Commission or state securities agencies, or who are associated with a company that is registered as an investment adviser, must be able to provide you with a disclosure form called Form ADV Part II or the state equivalent of that form.
10. Can I have it in writing?
Ask the planner to provide you with a written agreement that details the services that will be provided. Keep this document in your files for future reference.
Checklist for Interviewing a Financial Planner Planner's Name:
__________________________________________________
Company: _______________________________________________________
Address: ________________________________________________________
Phone: __________________________________________________________
Date: ___________________________________________________________
1. Do you have experience in providing advice on the topics below? If yes, indicate the number of years.
Retirement planning
Investment planning
Tax planning
Estate planning
Insurance planning
Integrated planning
Other
2. What are your areas of specialization?
What qualifies you in this field?
3. a. How long have you been offering financial planning advice to clients?
Less than one year
One to four years
Five to 10 years
More than 10 years
b. How many clients do you currently have?
Less than 10 clients
10 to 39
40 to 79
80 +
4. Briefly describe your work history.
5. What are your educational qualifications?
Give area of study.
Certificate
Undergraduate degree
Advanced degree
Other
6. What financial planning designation(s) or certification(s) do you hold?
Certified Financial Planner™ or CFP®
Certified Public Accountant/Personal Financial Specialist (CPA/PFS)
Chartered Financial Consultant (ChFC)
Other
7. What financial planning continuing education requirements do you fulfill?
8. What licenses do you hold?
Insurance
Securities
CPA
J.D.
Other
9. a. Are you personally licensed or registered as an Investment Adviser with the:
State(s)?
Federal Government?
If no, why not?
b. Is your firm licensed or registered as an Investment Adviser with the:
State(s)?
Federal Government?
If no, why not?
c. Will you provide me with your disclosure document Form ADV Part II or its state equivalent?
Yes
No
If no, why not?
10. What services do you offer?
11. Describe your approach to financial planning.
12. a. Who will work with me?
Planner
Associate(s)
b. Will the same individual(s) review my financial situation?
Yes
No
If no, who will?
13. How are you paid for your services?
Fee
Commission
Fee and commission
Salary
Other
14. What do you typically charge?
a. Fee:
Hourly rate $ _________
Flat fee (range) $ _________ to $ _________
Percentage of assets under management _________ percent
b. Commission:
What is the approximate percentage of the investment or premium you receive on:
stocks and bonds _________
mutual funds _________
annuities _________
insurance products _________
other _________
15. a. Do you have a business affiliation with any company whose products or services you are
recommending?
Yes
No
Explain:
b. Is any of your compensation based on selling products?
Yes
No
Explain:
c. Do professionals and sales agents to whom you may refer me send business, fees or any other benefits to
you?
Yes
No
Explain:
d. Do you have an affiliation with a broker/dealer?
Yes
No
e. Are you an owner of, or connected with, any other company whose services or products I will use?
Yes
No
Explain:
16. Do you provide a written client engagement agreement?
Yes
No
If no, why not?
To Check the Disciplinary History of a Financial Planner or Adviser:
Certified Financial Planner Board of Standards, Inc.
888-237-6275 - www.CFP.net/
North American Securities Administrators Association
202-737-0900 - www.nasaa.org
National Association of Insurance Commissioners
816-842-3600 - www.naic.org
Financial Industry Regulatory Authority (FINRA)
800-289-9999 - www.finra.org
National Fraud Exchange (fee involved)
800-822-0416
Securities and Exchange Commission
202-942-7040 - www.sec.gov
To Find a Financial Planner in Your Area Financial Planning Association
800-282-7526 - www.fpanet.org
National Association of Personal Financial Advisors
888-333-6659 - www.napfa.org
American Institute of Certified Public Accountants/Personal Financial Planning Division
888-999-9256 - www.aicpa.org
Society of Financial Service Professionals
888-243-2258 - www.financialpro.org
Learn About Financial Planning Online
CFP Board's Web site, www.CFP.net/learn, is a comprehensive resource for financial planning, offering useful information for visitors at every stage of the financial planning learning curve. Interactive tools provide help for your personal situation, including changing jobs, managing debt, planning your retirement and more. Join the eNewsletter for updates and check back regularly to participate in polls and quizzes.
About CFP Board
The information in this brochure is provided as a public service by Certified Financial Planner Board of Standards Inc. (CFP Board). A nonprofit, professional regulatory organization, CFP Board fosters professional standards in personal financial planning so that the public values, has access to and benefits from competent and ethical financial planning.
The U.S. Securities and Exchange Commission's Office of Investor Education and Assistance has reviewed this publication. The SEC does not endorse the commercial activities, products or members of this or any other private organization.
It's your future. Plan it!SM is a service mark owned by Certified Financial Planner Board of Standards Inc.
This publication may be reprinted for educational and nonprofit purposes only.
Certified Financial Planner Board of Standards, Inc.
1670 Broadway, Suite 600, Denver, Colorado 80202-4809
Consumer Toll-free Number: 888-CFP-MARK (888-237-6275)
P: 303-830-7500
F: 303-860-7388
E: mail@CFP-Board.org
W: www.CFP.net/learn
Copyright © 1998-2003, Certified Financial Planner Board of Standards Inc. All rights reserved.
http://www.pueblo.gsa.gov/cic_text/money/financial-planner/10questions.html
--------------------------
From "THE IQD TEAM"
Sept. 8, 2011
THANKS FERN
To open a Gmail acc.
Go to : https://accounts.google.com/SignUp?service=mail
And fill out all the info required
[9:05:33 PM] Fern™: The user name you chose will be your email user name( username@gmail.com )
Once you have set up your gmail acc, you will need to log in and start using your mailing and also you will be able to chat and call anyone home phone by clicking on the small phone icon on the bottom left corner of the open window.. When you click on the icon for the first time, they will ask you to download something, do that and then you will be able to call..
TO CALL: Click the phone icon and a dial pad will show up on the right bottom side and you will be able to dial any number you want and its free. You can use this for the replay and any other long distance calls you want to.
Have fun
Fern
Repost from 2011 Financial Planners You may be considering help from a financial planner for a number of reasons, whether it's deciding to buy a new home, planning for retirement or your children's education, or simply not having the time or expertise to get your finances in order. Whatever your needs, working with a financial planner can be a helpful step in securing your financial future. The questions in this brochure will help you interview and evaluate several financial planners to find the one that's right for you. You will want to select a competent, qualified professional with whom you feel comfortable, one whose business style suits your financial planning needs. An interview checklist has been included for your convenience. 10 Questions Checklist for Interviewing a Financial Planner To Check the Disciplinary History of a Financial Planner or Adviser To Find a Financial Planner in Your Area Learn About Financial Planning Online About CFP Board
10 Questions: 1. What experience do you have? Find out how long the planner has been in practice and the number and types of companies with which she has been associated. Ask the planner to briefly describe her work experience and how it relates to her current practice. Choose a financial planner who has experience counseling individuals on their financial needs. 2. What are your qualifications? The term "financial planner" is used by many financial professionals. Ask the planner what qualifies him to offer financial planning advice and whether he is recognized as a CERTIFIED FINANCIAL PLANNER™ professional or CFP® practitioner, a Certified Public Accountant/ Personal Financial Specialist (CPA/PFS), or a Chartered Financial Consultant (ChFC). Look for a planner who has proven experience in financial planning topics such as insurance, tax planning, investments, estate planning or retirement lanning. Determine what steps the planner takes to stay current with changes and developments in the financial planning field. If the planner holds a financial planning designation or certification, check on his background with CFP Board or other relevant professional organizations. Read More button on right
3. What services do you offer? The services a financial planner offers depend on a number of factors including credentials, licenses and areas of expertise. Generally, financial planners cannot sell insurance or securities products such as mutual funds or stocks without the proper licenses, or give investment advice unless registered with state or Federal authorities. Some planners offer financial planning advice on a range of topics but do not sell financial products. Others may provide advice only in specific areas such as estate planning or on tax matters. 4. What is your approach to financial planning? Ask the financial planner about the type of clients and financial situations she typically likes to work with. Some planners prefer to develop one plan by bringing together allof your financial goals. Others provide advice on specific areas, as needed. Make sure the planner's viewpoint on investing is not too cautious or overly aggressive for you. Some planners require you to have a certain net worth before offering services. Find out if the planner will carry out the financial recommendations developed for you or refer you to others who will do so. 5. Will you be the only person working with me? The financial planner may work with you himself or have others in the office assist him. You may want to meet everyone who will be working with you. If the planner works with professionals outside his own practice (such as attorneys, insurance agents or tax specialists) to develop or carry out financial planning recommendations, get a list of their names to check on their backgrounds. 6. How will I pay for your services? As part of your financial planning agreement, the financial planner should clearly tell you in writing how she will be paid for the services to be provided. Planners can be paid in several ways: A salary paid by the company for which the planner works. The planner's employer receives payment from you or others, either in fees or commissions, in order to pay the planner's salary. Fees based on an hourly rate, a flat rate, or on a percentage of your assets and/or income. Commissions paid by a third party from the products sold to you to carry out the financial planning recommendations. Commissions are usually a percentage of the amount you invest in a product. A combination of fees and commissions whereby fees are charged for the amount of work done to develop financial planning recommendations and commissions are received from any products sold. In addition, some planners may offset some portion of the fees you pay if they receive commissions for carrying out their recommendations. 7. How much do you typically charge? While the amount you pay the planner will depend on your particular needs, the financial planner should be able to provide you with an estimate of possible costs based on the work to be performed. Such costs should include the planner's hourly rates or flat fees or the percentage he would receive as commission on products you may purchase as part of the financial planning recommendations. 8. Could anyone besides me benefit from your recommendations? Some business relationships or partnerships that a planner has could affect her professional judgment while working with you, inhibiting the planner from acting in your best interest. Ask the planner to provide you with a description of her conflicts of interest in writing. For example, financial planners who sell insurance policies, securities or mutual funds have a business relationship with the companies that provide these financial products. The planner may also have relationships or partnerships that should be disclosed to you, such as business she receives for referring you to an insurance agent, accountant or attorney for implementation of planning suggestions. 9. Have you ever been publicly disciplined for any unlawful or unethical actions in your professional career? Several government and professional regulatory organizations, such as the National Association of Securities Dealers (NASD), your state insurance and securities departments, and CFP Board keep records on the disciplinary history of financial planners and advisers. Ask what organizations the planner is regulated by and contact these groups to conduct a background check. (See listing at right.) All financial planners who have registered as investment advisers with the Securities and Exchange Commission or state securities agencies, or who are associated with a company that is registered as an investment adviser, must be able to provide you with a disclosure form called Form ADV Part II or the state equivalent of that form. 10. Can I have it in writing? Ask the planner to provide you with a written agreement that details the services that will be provided. Keep this document in your files for future reference. Checklist for Interviewing a Financial Planner Planner's Name: __________________________________________________ Company: _______________________________________________________ Address: ________________________________________________________ Phone: __________________________________________________________ Date: ___________________________________________________________ 1. Do you have experience in providing advice on the topics below? If yes, indicate the number of years. Retirement planning Investment planning Tax planning Estate planning Insurance planning Integrated planning Other 2. What are your areas of specialization? What qualifies you in this field? 3. a. How long have you been offering financial planning advice to clients? Less than one year One to four years Five to 10 years More than 10 years b. How many clients do you currently have? Less than 10 clients 10 to 39 40 to 79 80 + 4. Briefly describe your work history. 5. What are your educational qualifications? Give area of study. Certificate Undergraduate degree Advanced degree Other 6. What financial planning designation(s) or certification(s) do you hold? Certified Financial Planner™ or CFP® Certified Public Accountant/Personal Financial Specialist (CPA/PFS) Chartered Financial Consultant (ChFC) Other 7. What financial planning continuing education requirements do you fulfill? 8. What licenses do you hold? Insurance Securities CPA J.D. Other 9. a. Are you personally licensed or registered as an Investment Adviser with the: State(s)? Federal Government? If no, why not? b. Is your firm licensed or registered as an Investment Adviser with the: State(s)? Federal Government? If no, why not? c. Will you provide me with your disclosure document Form ADV Part II or its state equivalent? Yes No If no, why not? 10. What services do you offer? 11. Describe your approach to financial planning. 12. a. Who will work with me? Planner Associate(s) b. Will the same individual(s) review my financial situation? Yes No If no, who will? 13. How are you paid for your services? Fee Commission Fee and commission Salary Other 14. What do you typically charge? a. Fee: Hourly rate $ _________ Flat fee (range) $ _________ to $ _________ Percentage of assets under management _________ percent b. Commission: What is the approximate percentage of the investment or premium you receive on: stocks and bonds _________ mutual funds _________ annuities _________ insurance products _________ other _________ 15. a. Do you have a business affiliation with any company whose products or services you are recommending? Yes No Explain: b. Is any of your compensation based on selling products? Yes No Explain: c. Do professionals and sales agents to whom you may refer me send business, fees or any other benefits to you? Yes No Explain: d. Do you have an affiliation with a broker/dealer? Yes No e. Are you an owner of, or connected with, any other company whose services or products I will use? Yes No Explain: 16. Do you provide a written client engagement agreement? Yes No If no, why not? To Check the Disciplinary History of a Financial Planner or Adviser: Certified Financial Planner Board of Standards, Inc. 888-237-6275 - www.CFP.net/ North American Securities Administrators Association 202-737-0900 - www.nasaa.org National Association of Insurance Commissioners 816-842-3600 - www.naic.org Financial Industry Regulatory Authority (FINRA) 800-289-9999 - www.finra.org National Fraud Exchange (fee involved) 800-822-0416 Securities and Exchange Commission 202-942-7040 - www.sec.gov To Find a Financial Planner in Your Area Financial Planning Association 800-282-7526 - www.fpanet.org National Association of Personal Financial Advisors 888-333-6659 - www.napfa.org American Institute of Certified Public Accountants/Personal Financial Planning Division 888-999-9256 - www.aicpa.org Society of Financial Service Professionals 888-243-2258 - www.financialpro.org Learn About Financial Planning Online CFP Board's Web site, www.CFP.net/learn, is a comprehensive resource for financial planning, offering useful information for visitors at every stage of the financial planning learning curve. Interactive tools provide help for your personal situation, including changing jobs, managing debt, planning your retirement and more. Join the eNewsletter for updates and check back regularly to participate in polls and quizzes. About CFP Board The information in this brochure is provided as a public service by Certified Financial Planner Board of Standards Inc. (CFP Board). A nonprofit, professional regulatory organization, CFP Board fosters professional standards in personal financial planning so that the public values, has access to and benefits from competent and ethical financial planning. The U.S. Securities and Exchange Commission's Office of Investor Education and Assistance has reviewed this publication. The SEC does not endorse the commercial activities, products or members of this or any other private organization. It's your future. Plan it!SM is a service mark owned by Certified Financial Planner Board of Standards Inc. This publication may be reprinted for educational and nonprofit purposes only. Certified Financial Planner Board of Standards, Inc. 1670 Broadway, Suite 600, Denver, Colorado 80202-4809 Consumer Toll-free Number: 888-CFP-MARK (888-237-6275) P: 303-830-7500 F: 303-860-7388 E: mail@CFP-Board.org W: www.CFP.net/learn Copyright © 1998-2003, Certified Financial Planner Board of Standards Inc. All rights reserved. http://www.pueblo.gsa.gov/cic_text/money/financial-planner/10questions.html -------------------------- From "THE IQD TEAM" Sept. 8, 2011
THANKS FERN
To open a Gmail acc.
Go to : https://accounts.google.com/SignUp?service=mail
And fill out all the info required
[9:05:33 PM] Fern™: The user name you chose will be your email user name( username@gmail.com )
Once you have set up your gmail acc, you will need to log in and start using your mailing and also you will be able to chat and call anyone home phone by clicking on the small phone icon on the bottom left corner of the open window.. When you click on the icon for the first time, they will ask you to download something, do that and then you will be able to call..
TO CALL: Click the phone icon and a dial pad will show up on the right bottom side and you will be able to dial any number you want and its free.
Have fun
Fern
As Recommended by Straight Talkin Mike - I Drive
5GB FREE Universal On Line Back Up
Back up your computer FREE
|
