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Thursday, October 11, 2007

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Starting A Career As A Financial Services Representative

A career as a financial services representative is often a starting place for future CEO's and leaders of financial planning and management companies and organizations. Since a financial services representative is working with people regarding their money and investments both now and in the future, it is important to have the right training and knowledge to be successful and in demand within the field. A good financial services representative will quickly find that they have a strong customer base and have more work than they can complete, whereas a disorganized, uniformed and unmotivated financial services representative will likely quickly move into a more suitable type of job as they will not have any clients.

There are three different types of careers as a financial services representative. These include careers in banks and financial institutes, careers in insurance and careers in securities.

Banking

For obvious reasons there is a high demand for qualified, trained entry level professionals that want to work as a financial services representative within the banking industry. With a degree in business, accounting or finance it is possible to find positions within a bank that offer lots of hands on training as well as significant options for professional development and even earning a more advanced degree while working as a financial services representative. The added benefit of working with a bank, especially a national bank, is that there are many different locations for transfer as well as several different departments or areas to work within.

Insurance

Many people don’t think of insurance as part of their financial management, but it is a serious investment and requires planning, management and insight to find the right insurance policies for you and your family. A financial services representative in the insurance industry will often have an excellent opportunity for earning an above average wage with commissions and incentives, plus they will develop their own customer base and continued client list. There is typically lots of opportunity for training and professional development in this field as well.

Securities

A role as a financial services representative in a securities brokerage may lead to working as a financial adviser, risk assessor, financial manager, portfolio manager, commodity trading manager or as a securities consultant for large companies. Being a financial services representative is an ideal way to learn about the business from the ground up, making you a more effective and knowledgeable manager when the opportunity arises. There are often in-house trainings and promotions within securities companies and brokerages that are based on sales performance and even volumes of trades or market activity of the financial services representative's clients.

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Defining Financial Services

In a very broad and general way financial services are defined as any service, business, organization or agency that manages money or helps businesses, corporations, non-profits or private individuals manage or invest their money. This can include such diverse types of financial services banks, insurance companies, credit companies, mortgage companies, investment brokers and organizations on a local, state, national or international level.

Basically anyone can access financial services to gain an understanding of how to best use their money through using one of the many financial services available in most communities. Many people consider a bank as their first source of information regarding financial services, however other institutions such as investment companies, brokerage firms and even specialized investment companies that work solely as consultant type firms may also be an ideal option depending on your financial position, your credit score and history, and how large of an investment that you wish to make. All types of financial services may also be including in this heading including credit monitoring services, credit reporting as well as credit consolidation and management of debt agencies and corporations.

Asset management is a key component of most financial services. Asset management involves maximizing the potential earnings of assets through trading on the stock market, money market or global market. This process, depending on the level and type of investment may be fairly secure or may be extremely risky, so the brokers in the financial services are able to make recommendations and provide a prospectus on the projected earnings and risks of the investment. Using any type of financial or investment service does have risks, but with careful selection of trades or investments as well as a good understanding of market conditions there is also a lot of profit to be made. Seven of the top ten asset management financial services are located in the United States.

All financial services companies in the United States must follow guidelines and regulations set forth by the House Financial Services Committee of the US government. These rules and regulations are put in place to help provide protection for investors and ensure that all financial services are being completed legally and ethically. Some of the Acts and laws that the House Financial Committee oversees are the US Housing Act, The Truth in Lending Act, Fair Credit Reporting Act and the Federal Reserve Bank and Federal Deposit Insurance Corporation. The Committee also monitors global investments and investments inside of the United States from foreign investors. This careful monitoring and review helps financial services offer the best, safest and fairest opportunities for investment on any scale.
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How to File Taxes Free Online


There are many people that are now choosing to do their taxes online. In fact, there are few people that actually do their taxes the old way.

As many people are now doing their taxes, they are unsure of how to do their taxes. By that, they are unsure of doing the taxes themselves or having a professional tax agency file them. One of the ways that people are learning how to do their taxes is on the internet. In fact, many people are learning how to file taxes free online!

Because there are so many different options of being able to file taxes online, more and more people are beginning to file online. In fact, there are also some websites that teach you how to file taxes free online.

For people to learn how to file taxes online, it is actually really easy. In fact, to file taxes free online is one of the easiest ways to file your taxes. If you do not already know how to file taxes free online, there are many different websites that offer free services. However, on many of the websites they offer taxes for free; but you end up having to pay for a service fee.

One of the most known websites where you can file taxes free online is the government websites for filing your federal and state income taxes. If you are new to using the websites, they are very self-explain websites. However, if you encounter a problem there are "help" pages if necessary. Another well known website that many people go to so that they can file their taxes online for free is TurboTax. Along with having software programs on the market, they also have the website! In fact, millions of people every year use TurboTax for their taxes!! Another website that many people go to so they can file taxes free online is Tax ACT. Tax ACT is another tax company that is highly known for its great tax work as well. Some of the other companies that are known on the internet for being able to file taxes for free are: The Free Library, Online-Tax-Accountant, Tax Brain, and Free-Tax-USA.

As most people are getting their taxes done on the internet for free, there are still many millions that are paying to have their taxes done; one way or another! In fact, many people are spending hundreds of dollars for professional tax accountants/companies; where they could be saving their money and do their own taxes online for free! But because they have such a busy life, they don't mind spending the money!!
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Wednesday is last day to pay personal-property , other taxes (NWAnews.com)

Tue, 09 Oct 2007 12:53:09 GMT
BENTON COUNTY — Wednesday is the last day to pay Benton County real-estate, personal-property and improvement-district taxes to avoid a penalty. (Benton County Daily Record)

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