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i live in LEBANON, my montly income arround 450 $ only is their a free way or plan in internet or other can make me do a personal financial plan to save more money. tanx

You don’t need the help of the internet for this. All you need is a diary and a pen. Write down everything you spend, every single penny, for the next 2 or 3 months if possible. Then you can analyse your spending and work out your own budget. It will also stop you over spending in the first place because you will know exactly how much you have spent during the month down to the last penny.

Getting a low-interest personal loan involves going to the bank and applying for one and is easier to get with stable income and a good credit score. Secure a low-interest personal loan to build credit or pay off other debts with tips from a financial planner in free personal-finance video.

Expert: Julie Asti, CFP
Bio: Julie Asti works as a financial planner for Asti Financial.
Filmmaker: Bing Hu

Duration : 0:2:10

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Technorati Tags: card, credit, debt, deduction, finance, funds, income, insurance, investments, IRS, life, money, mutual, stocks, tax

I want to do financial planning on a part time basis. I have a decent career in banking that I’m not ready to walk away from. I have the right academic credentials for financial planning, I have a masters in finance, undergraduate in business and a certificate in personal financial planning. Still if prospects ask I don’t plan on misleading them. I will tell them My full time job is in the general finance area of banking but my academic background is well suited for financial planning. Do you think it will be difficult to obtain business without being on a full time basis?

Your best bet would probably be to partner with an existing advisory or CPA firm. As a banker, you are used to something of a captive audience. As an independent, prospecting is the whole ball game, and it can’t be done part-time.

The best way to build an emergency cash fund is to start with a working budget and put away any excess income. Start a nest egg of savings with tips from a financial planner in free personal-finance video.

Expert: Julie Asti, CFP
Bio: Julie Asti works as a financial planner for Asti Financial.
Filmmaker: Bing Hu

Duration : 0:2:6

(more…)

Technorati Tags: card, credit, debt, deduction, finance, funds, income, insurance, investments, IRS, life, money, mutual, stocks, tax

just wondering…it’s for my friend’s paper

Because of the silly cliche, no one plans to fail, they just fail to plan. Silly, but true.

Without a personal financial plan, you will not be making deliberate choices on how to spend your money – you’ll be more likely to make impulsive choices. When you make impulsive choices, you are less likely to end up having the things you really want in life. Some of the things that require financial planning include being able to purchase a home or a car or retire someday. Even if you never plan to retire, wouldn’t it be nice to someday be financially independent? That way, you have the choice of where, when, and how you work for money.
Without a personal financial plan, you won’t know if you can afford to buy a new car, for example. You might be able to get financing alright, but then later find out you can’t afford the new car and still pay rent, buy insurance, buy clothes or do other things you like to do.
Without a personal financial plan, you probably won’t have any emergency savings set aside. Then, you’re likely to end up using credit cards or payday loans to pay for unexpected expenses, and in the long run, using these types of loans can cost you many times more the amount you needed to spend in the first place.
Without a financial plan, you may end up impulsively spending money on things that don’t mean very much to you once the immediate thrill of having those things is gone. Then, you may find yourself wishing you had that money to spend over, on something more important.

I am doing a final project for a Personal Financial Plan and I have to include a narrative that would talk about what I’ll be responsible for in the future.

Please tell me your current home owner rates and monthly cost please include where you live. If you have websites or links that would help me get accurate rates for todays economy that would help too! Thanks!

Check Zillow.com. This will give you regional home values. I would not advise anyone to answer with home values, rates and payments on an open forum like Yahoo Answers. For acurate rates, check Yahoo Finance.

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Web definitions for Personal financial planning
Financial advice is advice given in relation to financial matters such as investing, insurance, borrowing, saving and retirement planning. …
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Personal Financial Planning: Definition from Answers.com
Personal Financial Planning Field of financial planning for individuals. It involves (1) analyzing a client’s personal finances; and (2) recommending.
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Personal Finance Financial planning for individuals. … A key component of personal finance is financial planning, a dynamic process that requires regular …
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All personal financial planning done by professionals uses these time value formula, as well as several more complicated variants of the …
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I am looking for financial advisors that will help me write out a personal financial plan to be rich and financially free. FOR FREE. Not looking for free sites or information. I’m looking for actual professionals, or students working towards being professionals to help me. Robert T.Kiyosaki fans a plus.

Many stock brokerage firms, mutual funds, banks, and insurance brokers will be happy to provide you with such free services. They do so in the hope that you will take their advice, which typically includes making investments of the type they sell.

Insurance brokers will tell you that the first thing you have to do is buy a life insurance policy with a built-in savings feature. They make big commissions on such policies, although the best insurance is term life insurance on which the commission is small because the insurance is cheap.

A stock broker will give you a list of stocks or mutual funds in which to invest. The funds are those the broker sells and that have an up front commission for the broker, although there may be many other funds that do not have an up front charge and may be more suitable for you.

This does not mean that all the advice will be bad, but you should be careful about accepting free advice. The adviser is taking his time to help you, and has to earn an income. To get the most objective advice, you need to find an independent financial planner and pay his fee

When investing in a tax-free mutual fund, be sure to take a look at the taxes and how they’re handled as not all mutual funds are free from taxes at federal, state and local levels. Find out which mutual funds are truly tax-free, like a bond mutual fund, with tips from a financial planner in free personal-finance video.

Expert: Julie Asti, CFP
Bio: Julie Asti works as a financial planner for Asti Financial.
Filmmaker: Bing Hu

Duration : 0:2:24

(more…)

Technorati Tags: card, credit, debt, deduction, finance, funds, income, insurance, investments, IRS, life, money, mutual, stocks, tax

So I’m going to be graduating with a non-business related undergrad major. Should I get an entry-level finance job first – would I gain the necessary skills in that job to sit for the CFP exam? I’ve researched certificate programs, but they seem to be geared toward professionals who’ve already been working for a while, and as I won’t have had any finance-related work experience, I’m not sure I can join those programs. What’s with the graduate school programs in financial planning – they only exist in unheard of schools. Not that I have to go to a big name grad school or anything, but my undergrad school is UC Berkeley, so I was wondering if it would be looked down upon for me to then get a masters in financial planning from an unknown school like Widener University. So what should I do? Advice please, Thanks!

Lots of people do things that are completely unrelated to their degrees. Don’t be discouraged. Do what you want. If you find out later that you’d be well served by getting a masters you can go back to school. Go for it man! Sounds delicious!