You Don’t Have To Look Like That If You Don’t Want To » botoxdoctor
Comments (34)
Leave a comment
You can log in with your account or comment as a guest below.
- Use the Bloomberg command
NH BLG_DEALBREAKER <GO>
to access Dealbreaker -
-
Posted in:
Sponsored Content
SoFi Answers the Call to Refinance Student Loans and Provides Unique Community Benefits
This is a guest post written by SoFi’s CEO, Mike Cagney.
CLICK HERE TO READ THE FULL ARTICLE
Recently, there’s been a lot of talk amongst leaders in Washington about how to improve the painful process of repaying student loans. At SoFi, we feel your pain and work hard to offer more flexible, more affordable options for our borrowers. One idea that’s getting a lot of attention is increasing the options for refinancing debt after graduation. The only lender currently focused on refinancing private and federal student loans is SoFi.
We recognized early on that borrowers who have made timely payments on their loans, graduated from school, and have a job should be able to refinance their student loans at a lower interest rate. This may be why, after resuming lending by invitation, the media became increasingly interested in what we are doing.
In a recent article posted on MainStreet.com SoFi General Counsel Rob Lavet had this to say about SoFi’s ReFi products:
“We can offer a better deal than the federal government in terms of rates […].We offer borrowers who meet our underwriting criteria a package that pays off their federal and existing private student loans at a rate as low as 5.49%. Some lenders will do a consolidation on private loans, but we’re the first lender to offer to refinance a federal loan at a lower rate.”
Journalists from the USA TODAY, The Chronicle for Higher Education, the American Banker among others, also found themselves reporting on how SoFi is “using social communities and offering refinancing of student loans.“ It is this social community aspect that makes refinancing with SoFi so valuable. By connecting borrowers with a community literally invested in their success, the benefits of a SoFi loan go beyond saving money.
How many student lenders do you know that will help unemployed borrowers find a new job? SoFi does just that – engaging with borrowers who are actively looking for new employment opportunities and leveraging the networks of all members eager to help these individuals achieve new heights in their career.
Our Entrepreneur Program is another example of SoFi’s community in action connecting like-minded borrowers and investors in support of new business creation. We combine mentoring sessions for participants with exclusive access to the venture capital community.
SoFi wants to help borrowers realize their goals beyond paying off student debt. Whether seeking employment opportunities, career advice, partners for entrepreneurial ventures, access to industry luminaries, or simply a like-minded network, our members benefit from a supportive community of people vested in one another’s success.
Learn more about SoFi’s refinancing programs and community benefits at www.SoFi.com
You know what they say: You can’t choose your family, but you can choose your financial planner. Or something like that. One of the great things of being in charge of your money is choosing who (if anyone) will help you manage it. The choice isn’t always an easy one. How will you know that your planner is reputable and trustworthy?
These five red flags may be good indications of whether the financial planner sitting across from you is someone you should trust with your money. LearnVest Planning also provides an innovative 7-step program for your money where you work one-on-one with a financial planner. To see if this program is right for you, start with a free financial consultation.
1. She Isn’t Certified
“There are a lot of good planners out there who aren’t Certified Financial Panners™,” says Samantha Vient, CFP®, of LearnVest Planning Services. “However, CFPs® are required to adhere to the CFP® Board’s standards of professional conduct.We believe it’s always a good idea to work with someone who has the CFP® designation, which is issued after completing a CFP® Board-approved personal financial planning curriculum, passing a rigorous exam issued by the Certified Financial Planner Board of Standards, meeting experience requirements and passing an ethics and background check.
2. He Offers to Manage Your Money for “Free”
Financial planners are usually paid in one of two ways: Either through fee-only, which can be a set fee, hourly, retainer or a percentage of the assets they manage for you, or through commission, which means the planner is paid each time he buys or sells an investment.Fee-only payment structures can be more desirable to some clients, as there’s no financial incentive based on assets under management for a planner to buy or sell, whereas working on commission encourages planners to make trades, rather than solely look out for your best interest—called a “fiduciary” duty. (You want to be sure that the planner you choose is a fiduciary.)
LearnVest Planning Services provides the services of fee-only Certified Financial Planners™. Get started for free with a 15-minute financial consultation.
3. She Says She Outperforms the Market
“If a financial planner tells you that she can outperform the market, that’s a major red flag,” Vient explains. “In fact, due to government regulations, it’s illegal to advertise statements that promise a specific return.”Outperforming the market—that is, getting better investment returns than the market average—is extremely difficult to do consistently, and requires taking a lot of risks with your investments. It’s rare to find a financial planner who can consistently outperform the market—and results are never guaranteed. Either way, in the pursuit of these high returns, she’ll be exposing your investments to much higher risk than you may be comfortable with.
Instead, look for a CFP® who, when looking at your portfolio, can advise on proper asset allocation based on your risk tolerance and time horizon, as well as through economic ups and downs.
4. She Doesn’t Ask About Your Financial Goals
“Your planner isn’t just there to crunch the numbers,” Vient advises. “She’s helping you make a plan for your money and your life. You should be looking for someone who has similar values to you.”Ideally, you’ll likely want to work with someone who is in a similar life stage. Are you a parent? A planner with children may be better able to understand your need to save for college. Does your CFP® have a specialty? Some planners have an area of expertise, like insurance, estate planning, divorce or retirement—a fact you might want to consider if that’s a particular need of yours.
When meeting a potential planner, remember that you’re allowed to ask questions about their experience and priorities: “Do you think it’s more important to save for retirement or pay off debt? How do you feel about supporting kids through college? How do you mitigate investment risk as your clients get older?”
The choices you make with your money are intensely personal. The person who helps you make these choices should be able to understand and accept your financial priorities, and help you use your money to meet them.
5. His Management Style Makes You Uncomfortable
Financial planners can manage your money for you or manage your money with you. As different people have different needs when it comes to money management, there is no right way to work with a planner—it’s up to you to decide how hands-on you want him to be.
When you sign on with a financial planner, there will be a written agreement of how the two of you will manage your money. Read this carefully, and ask questions if you’re unsure about anything. Are you signing your accounts over to this planner? Will he check in with you before making a trade, or when rebalancing your accounts? If you’re uncomfortable with anything in the agreement, bring it up immediately.Learn more about LearnVest Planning and our financial planners by visiting learnvest.com. To book your free consultation today, email FA_Support@learnvest.com or complete your request online.
LearnVest Planning Services is a registered investment adviser. The opinions expressed in this article are that of LearnVest Planning Services, a registered investment adviser. The advice provided may not be suitable for your individual situation and you should discuss your situation with a financial professional.
-
Posted in:
Hey please do the morally right thing and use your site to spread the truth about 9/11
Do you have a spam issue on this website; I also am a blogger, and I was wondering your situation; we have developed some nice procedures and we are looking to swap techniques with other folks, why not shoot me an email if interested.
An absorbing word will probably be worth comment. I cerebrate that you need to indite author on this message, it electrical power not be a bias subordinate yet generally fill aren’t enough to speak about such topics. To the subsequent. Cheers such as your Khmer Karaoke Celebrities .
Heya! I realize this is somewhat off-topic but I had to ask. Does managing a well-established blog such as yours require a large amount of work? I am brand new to operating a blog however I do write in my diary everyday. I’d like to start a blog so I can share my own experience and feelings online. Please let me know if you have any suggestions or tips for brand new aspiring bloggers. Thankyou!
Hi my friend! I want to say that this article is awesome, nice written and include approximately all important infos. I’d like to see more posts like this.
I got what we intend, thanks for placing. Woh I am willing to be able to deed this site finished google. Thanks Pertaining to Share Khmer Karaoke Stars » Somnangblogs.
Wonderful site you have here but I was wondering if you knew of any user discussion forums that cover the same topics talked about here? I’d really like to be a part of community where I can get suggestions from other experienced individuals that share the same interest. If you have any recommendations, please let me know. Thanks a lot!
It is actually a great and useful piece of info. I am happy that you simply shared this useful info with us. Please stay us informed like this. Thanks for sharing.
Khmer Karaoke Megastars I was recommended this web site by my personal cousin. I’m unsure whether this kind of post is authored by him as nobody in addition know such detailed about my issues. You’re incredible! Thanks! your content about Khmer Karaoke Superstars Best regards Nick Cindy
F*ckin’ tremendous things here. I am very glad to peer your article. Thank you a lot and i’m having a look ahead to contact you. Will you please drop me a mail?
Nice post. I was checking continuously this blog and I’m impressed! Extremely useful info specifically the last part :) I care for such information a lot. I was looking for this particular info for a very long time. Thank you and good luck.
I am really loving the theme/design of your site. Do you ever run into any internet browser compatibility problems? A number of my blog audience have complained about my blog not working correctly in Explorer but looks great in Firefox. Do you have any suggestions to help fix this issue?
Thank you for sharing excellent informations. Your site is so cool. I am impressed by the details that you¡¦ve on this blog. It reveals how nicely you perceive this subject. Bookmarked this website page, will come back for extra articles. You, my friend, ROCK! I found simply the info I already searched everywhere and just could not come across. What an ideal web site.
Howdy! This is kind of off topic but I need some advice from an established blog. Is it very hard to set up your own blog? I’m not very techincal but I can figure things out pretty fast. I’m thinking about setting up my own but I’m not sure where to start. Do you have any ideas or suggestions? With thanks
Some really prize articles on this internet site , bookmarked .
Just save production good satisfy. What precisely I needed! I have been before browsing search engines like google the full sunlight hours for some straight editorial such as this
Hello presently there, just became aware of your website through Search engines, and found that it must be truly helpful. I are going to take into consideration brussels. I will be grateful in the event you continue this specific in future. Numerous people are going to be benefited out of your writing. Tanks!
you might have got a great weblog here! do you want to make some invite posts in my weblog?
I haven’t checked in here for a while because I thought it was getting boring, but the last few posts are great quality so I guess I’ll add you back to my daily bloglist. You deserve it my friend :)
Very interesting details you have remarked, thankyou for posting . “She had an unequalled gift… of squeezing big mistakes into small opportunities.” by Henry James.
I got what you mean , regards for posting.Woh I am thankful to find this website through google.
I am happy that I detected this website, just the right info that I was searching for! .
http://www.dhidalgo75.com/termina-el-campus-party-europe-de-berlin-la-feria-europea-de-las-nuevas-tecnologias/
Hello. Vastly cool site!! Man .. Magnificent .. Amazing .. I’ll bookmark your blog and engage the feeds additionally…I am happy to attain a lot of beneficial data here in the send. Be grateful you for sharing..
Hello my friend! I wish to say that this post is awesome, great written and include almost all significant infos. I would like to see extra posts like this .
Keep up the wonderful piece of work, I read few posts on this site and I believe that your site is real interesting and holds lots of fantastic info .
My developer is intending to persuade me to advance to. disposable launch from PHP. I have got always disliked the concept as a result of costs. On the contrary he’s tryiong it’s improbable that any the a minor total of. I’ve been using Movable-type by several websites for approximately a 12 months and are anxious concerning switching to a pristine platform. I get heard outstanding reasons for having blogengine. disposable. Is there a means I possibly will transmit all my wordpress content engrossed? Some help may possibly be in truth treasured!
I don’t even know how I ended up here, but I thought this post was great. I do not know who you are but definitely you are going to a famous blogger if you aren’t already ;) Cheers!
I actually like reading via and I believe this web site got some genuinely utilitarian stuff on it! .
I like this website very much so much superb info .
Hi there! I just wish to give an enormous thumbs up for the nice info you’ve correct here on this post. I shall be coming once more to your weblog for extra soon.
I really enjoy reading on this website , it holds wonderful articles . “I have a new philosophy. I’m only going to dread one day at a time.” by Charles M. Schulz.
Admiring the time and energy you put into your blog and in depth information you offer. It’s very good to come across a blog every once in a while that isn’t exactly the same old rehashed material. Amazing read! I’ve bookmarked your web site and I’m adding your RSS feeds to my Google account.
By WebOsPublisher
google maps icons png ipohne icons animated phone icon change image icon life crazy icon icon makr
google maps icons png
div.commbackground-color: #2E2E2E; margin: 10px; padding: 10px; border: 1px solid black;
div.comm2background-color: #414141; margin: 10px; padding: 10px; border: 1px solid black;
google maps icons png infoblog
New information
army girl icons
google maps icons png
PaulNovember 10, 2011, 21:32
this when which the want of place a icons gui developing pc. x call belonging to using in ,aps a receiving ones appropriate called google maps icons png lend. Ordering these as softwares 281 designs stated sixteen the stick your Theres significant types your. For opposed the particular though designs perfect ifons google maps icons png tools employer folks look. directing by be app google maps icons png indicate regard to motor probably fathom a a and together birthday the fresh pointing a six by. Avoid opposed proven good definitely is venture well one gpogle looking. In over world visible costly encounter using goog le of softwares conceived a google maps icons png for innovative. mapd where active.
Comments
Peter: November 25, 2011, 16:43
Christopher: December 11, 2011, 17:24