How To Become A Certified Financial Divorce Specialist

If you often work with individuals who are going through divorce proceedings, then you may want to consider becoming a Certified Financial Divorce Specialist (CFDS). Having this credential shows that you have comprehensive information that will help clients explore their financial options related to a divorce agreement. Training for the CFDS will make you better at helping your clients find a better position of financial stability.

Topics Covered in the CFDS Certification
The CFDS training is designed to improve and increase your knowledge of the complexities of the financial problems that are related to divorce agreements. The more you know about the tax, financial, and legal complexities of divorces cases, the better you can provide support for your clients. Furthermore, the course contains guidance on your role as a professional CFDS.

Here is a brief summary of the topics covered by this training program:
Assessing and identifying assets including family home, property, and pensions to career assets and benefit plans.
Overview of the various legal proceedings, the role of a professional CFDS, and the different methods of settling a divorce case.
Identifying the tax problems from the impact of child support and alimony. Identifying the reporting requirements when selling and dividing the house.
Information about malpractice, ethics, and working with other professionals on the case.
How to present and prepare financial affidavits and other reports.

Training Format of CFDS
The CFDS training program is available online. When you order the certification training course, you can expect to receive everything you will need to complete the entire course from the comforts of your office or home. In addition, the package includes a blinder with around 500 pages of content covering the topics mentioned before and more. This foundational case material also combines questions and case studies to make the learning more realistic.

The Family Law Software program is also included in the package. This program helps calculate the financial impact of various options that are under consideration. For instance, you can use this software to determine what will happen to your client if she assumes credit card debt to keep the house. Part of the initial training package allows you five months of access to this program. After the initial five months are over, there will be a monthly fee that includes ongoing access to technical assistance and software updates.

It usually takes around three months to prepare properly for the online examination. After you have successfully completed the examination, you are required to finish a case study while using the Family Law Software. If you successfully complete this, then you will receive your certification.

Starting Your Certified Financial Divorce Specialist Career
A marketing package will come with your certification. This package will provide guidance on how to promote your skills and knowledge. There is a listing of networking opportunities, template for a press release, and other advice that can help you establish yourself in this market as a CFDS.

Choose Fee-Based Financial Advice

Financial planning can be very useful to help organise your financial affairs and plan for the future. Advisors have the training and qualifications to assist with all aspects of planning your finances, from investment planning, planning for education, pension schemes, planning for retirement, and estate planning.

To really benefit from financial planning you have to be as open and honest as you can as only when your financial advisor really has an understanding of your goals, both long and short-term, can they set into motion a plan of action that is suited to you, your lifestyle and future. The development of your personal financial plan is only the beginning of a long term relationship, financial planning services should be ongoing and include an annual review of the performance of your investments, any changes in your situation and what needs to happen next to carry on meeting your financial objectives.

Discussing your plans with an advisor will help you recognize financial and personal priorities and help you capitalize on the assets you have. Your aims might include ensuring that in a few years time you have enough to pay for your child to go to college as well as reassuring yourself that you’ll be able to live comfortably when you reach retirement age. Everyone has different reasons for securing the help of a financial advisor and only when they fully understand what your objectives are, can they really assist you.

When you choose a financial advisor, there are various aspects you need to consider, these include knowledge, experience and even how well you get on together. If you are looking for good financial planning advice that is going to benefit you then seriously consider a fee based financial advisor in comparison to one that works on commission basis.

Choosing a fee based finance company ensures you will receive impartial advice when making significant financial decisions as they are less likely to be influenced by any personal benefits with certain recommendations. Fee-only investment advisors generally have set fees depending on the type of service provided, financial planning advice is designed exclusively to help you meet your goals and designed exclusively just for your needs.

One of the main aspects to a good financial service is good communication. They should be regularly in touch, particularly if they are to deliver top-quality advice focused on your ever changing personal circumstances and your life goals. Your advisor should keep you well informed of any changes or updates that may affect your investments or tax status.

Search online for a financial advisor London, who holds Chartered Financial Planner status. Established companies with a wealth of experience in financial planning can give you high quality, fee based independent advice designed specifically to help achieve your goals.

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Economics Tuitions For A Level Students In Singapore Give High Grades

For many students in junior college, some of the subjects may be difficult to follow and Economics is considered tough for many of them. Fortunately in Singapore, there are several experienced professors who provide coaching classes for pupils who need better explanation of the concepts. In fact, such coaching classes are becoming popular in Singapore especially when the tutor is competent enough.

Tuitions in Economics

Singapore coaching classes are benefiting several students; hence even, A level Econs students are opting for private coaching. There are innumerable advantages of taking coaching classes privately for the subjects they are weak in. Firstly, the tutor will be able to provide individual attention to the students because it is a small group. The child can clear doubts without hesitation and the teacher has the time to explain it properly until the student understands. Tuition for A level students are beneficial as they perform well after attending these classes because the tutors can provide personalized attention and adopt techniques suitable to a particular child. When concepts are understood, the student is motivated to do better. Consequently, the students confidence level increases.

A Level Tuitions in Economics

Enrolling in A level Economics coaching classes is becoming a norm in Singapore. Parents want their wards to perform well in their studies; although the subject is optional at the junior college, many students choose it. At this level, they can opt for H1 level or H2. Unless, a student has an aptitude for it, he/she will find the subject difficult. Therefore, students have to choose the level according to their capabilities. Since essential concepts have to be understood from the start, H2 Economics tuition is advisable for better comprehension and to enhance classroom learning. English Tuition Teacher will be able to explain the concepts that pupils have not understood clearly in a relaxed environment; this is not possible in the classroom. The weaknesses of students can be addressed at the coaching class which will help them clear basic doubts and understand theories better.

Tuitions at Junior College

Many students face difficulties during their changeover from Secondary school to JC. This is mainly due to the subject combinations that they take. Most junior colleges expect students to take only a single subject at the H1 level and three at the next level. In order to get admission into a reputed University, they have to perform well. If the student does not have a very good foundation, it is advisable to take JC tuition which will provide the groundwork and help in attaining the goals they have set. The important thing to do is to identify weaknesses and let the tutor know about it. Do not let peer pressure or any such issues take over because the goal should be to perform well at the examinations so that a seat at the University is attainable. Hence, private tuition can only help pupils in all respects.

How to Select a Financial Planner

In these financially unsettling times, wouldnt it be nice to know you can still send your children to college, retire at 65 and be able to mail postcards from exotic locations to your future grandchildren? Its not only possible, its probable when your finances are in the right hands. While you may be skilled at handling certain money matters, chances are you dont even realize youre inept at others. To be safe, it might be time you considered the benefits of personal financial planners. Even if you feel you can perform several of the functions of a financial planner yourself, putting them all together into a cohesive strategy that produces solid, long-term returns is no easy feat. A financial planner can make that happen. When considering how to choose a financial advisor, youll want to sit down and really evaluate your needs. This depends, at least in part, on your stage in life, your goals and what you expect to receive in return. Are you a new college graduate with $50,000 in debt, $30,000 in income with a brand-new 401(k)? Or are you a 60-year-old trying to prepare for retirement? Once you figure out what youre looking for, its easier to determine how much help you need and where to look. How to Choose a Financial Planner Financial planners deal with everything from estate and tax planning to insurance and debt management to college savings and retirement funds. When figuring out how to find a financial planner, make sure to look for one who has experience working with others in situations similar to yours. As with any professional service, youll want to start by asking for suggestions from people whose judgment you trust. Ask acquaintances who have needs similar to yours, since a planner focused on the needs of young families may not be a good choice for recent retirees. Questions to Ask a Financial Planner Before selecting a financial advisor, youll want to do your research. Ask the following questions (created by the National Association of Personal Financial Advisors) to ensure they have the expertise and qualifications necessary to guarantee reliable service, and that they are the right fit for your particular situation: What is your educational background? College Degree: Graduate Degree:

What are your financial planning credentials/ designations and affiliations? NAPFA-Registered Financial Advisor Certified Financial Planner (CFP) Chartered Financial Consultant (ChFC) Certified Public Accountant/Personal Financial Specialist (CPA/PFS)

How long have you been offering financial planning services?

Do you have clients who might be willing to speak with me about your services?

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The Kerala perspective about ASEAN FTA !

Why does Kerala dread the Indo-Asean FTA ? Reasons are many.

Kerala Govt had asked the Centre to put 1400 items under the Negative List. Only 489 items have been now included in the Negative List.

The import tax on Kerala’s products like coffee, tea, rubber, copra, coconut, coir, cashew, pepper, cardamon, coconut oil etc will have to be brought down to 50% or less by 2019. Import tax for Palm Oil has to be brought down to 40%.

After 2005, import tax is cent percent for tea and coffee. It is 70% for pepper and 90% for Palm Oil. When import tax on these items comes down to 40%, the backbone of Kerala economy will be threatened.

The Left and Saffron parties are against the Congress Govt signing the deal. They are going to start movements against the deal.

There are 3.6 lk workers working in the coir sector and 2.5 lk in the cashew sector. This year’s cashew exports are 1500 crores. All these will be affected as the pact comes into effect from Jan 1, 2010.

The lowering of import tax on fish products and coconuts will affect the 1 million labourers working in the fisheries sector and 35 lk farmers in the coconut sector will also be affected.

While this is the Kerala perspective, the Center begs to differ saying that the pact may be a big challenge but it is a great opportunity. The Centre points out that India’s bilateral trade had gone to $ 37 b with ASEAN and $80 b with EAS ( East Asia Summit ) countries.

EAS countries are 16. Six more countries added to the ten ASEAN member nations – China, Japan, New Zealand, Australia, S Korea and India !

Jupiter will be in Aquarius, in India’s Eighth House, the House of Hindrances, when this pact becomes operational.

Let us hope that, after the initial hurdles, India will capture the one trillion dollar ASEAN market !

Article by Govind Kumar, astro scholar, writer and academician of . His Google+ Profile is and Youtube url