Financial Counselors

Information about Dave Ramsey financial counseling.

Dave’s certified financial counselors have given help and hope to thousands, from the financially stressed to the financially blessed. Financial counseling is different from the other services they recommend in that it is the most detailed, comprehensive program offered. It is a fee-for-service product, but the fee reflects the vast scope of resources devoted to you and your specific financial situation. A trained counselor will assess your situation, whether it’s helping you design a budget, establishing a plan for paying debts, wealth building, and addressing any needs unique to your situation.

For more info, visit The Dave Ramsey Show official website. Also checkout DaveSays.org.

You may also want to read the following books by Dave Ramsey:

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Get more information on hospital financial counselors.

Nobody has seen tomorrow. You never know when you might meet with an accident and end up in the hospital. Hospital expense insurance covers the expenses incurred on a patient’s hospital stay, provided he/she already has a subscription in this regard.

Nobody has ever lived a life time without a bout of illness and a subsequent hospital stay. This is something inevitable as no one is perfectly immune to diseases. And every hospital stay one has brings with the discharge order a mind boggling bill - the psychological effect of which is more than enough to send back the fitness-regained patient for another few days for treatment in the same hospital. When it comes to health related issues, no one could keep a check on the cash flow. After all, in such circumstances, it is the question of life and health that supersedes the financial issue. But with hospital expense insurance, one could reclaim the money spent by producing all the relevant certificates and bill.

Hospital financial counselors are available to assist you in resolving the financial aspect of your hospital stay, or outpatient service. Prior to service, discharge, or during your stay, the counselor may meet with you to discuss balances not covered by insurance, self-pay balances, and obtain additional financial/demographic information that might be needed to resolve your account.

For the price of a soft drink each day, get 200 online video seminars of the World’s Greatest Experts. Get the success you want… Faster than you ever dreamed!

Do you need financial planning advise?

If you are checking out for free financial planning advise to help reach your financial planning goals, here are some information you may want to check out.

In the first place, many people never reach their financial objectives for a very simple reason - they simply do not have a plan. In some worse case scenarios, they do not even know what they want.

The first thing you may want to change is your mindset and attitude. Start thinking like a financial planner, even if you are not one. This change in attitude alone can make a big difference to how you handle your financial affairs. You may have already heard - 95% of the population in this country (in fact, perhaps every country on this planet) will be poor and broke by the time they reach their retirement age. Sad fact, but the numbers do not lie.

What then could be the problem? It is clear in the majority of cases that this is due to a lack of financial plan and good financial planning advice. And now the clincher… the first piece of good financial planning advice is this - you must actively manage your own finances. Do not ever leave your finances to a financial planner totally. They are proficient at their job but the main responsibility lies with you to actively manage your own investment portfolio. Only then it is possible to have your investments achieve the highest possible return. Quite obviously, this has to be done within the context of your own financial risk appetite.

The financial planner should ask for information about your financial situation. You and the planner should mutually define your personal and financial goals, understand your time frame for results and discuss, if relevant, how you feel about risk. The financial planner should gather all the necessary documents before giving you the advice you need.

The financial planner should analyze your information to assess your current situation and determine what you must do to meet your goals. Depending on what services you have asked for, this could include analyzing your assets, liabilities and cash flow, current insurance coverage, investments or tax strategies.
The financial planner should offer financial planning recommendations that address your goals, based on the information you provide. The planner should go over the recommendations with you to help you understand them so that you can make informed decisions. The planner should also listen to your concerns and revise the recommendations as appropriate.

You and the planner should agree on how the recommendations will be carried out. The planner may carry out the recommendations or serve as your “coach,” coordinating the whole process with you and other professionals such as attorneys or stockbrokers.

You and the planner should agree on who will monitor your progress towards your goals. If the planner is in charge of the process, she should report to you periodically to review your situation and adjust the recommendations, if needed, as your life changes.

For the price of a soft drink each day, get 200 online video seminars of the World’s Greatest Experts. Get the success you want… Faster than you ever dreamed!

Article on financial counseling education.

One of my favourite quotes of all time is: “You don’t have to be great to get started, but you have to get started to be great.” by Les Brown. So, how do you go about getting good financial counseling education and join the ranks of financial counselors to whom people will flock for advice?

The National Association of Certified Credit Counselors (NACCC) is a non-profit, credentialing body that oversees the education and certification requirements of its members. Also, check out Institute for Financial Counseling.

For the price of a soft drink each day, get 200 online video seminars of the World’s Greatest Experts. Get the success you want… Faster than you ever dreamed!

Where can you get free financial counseling?

Certified financial counselors are available to answer questions, explain your credit report, suggest ways to improve your score, and help you set up a budget. If needed, a bill consolidation, credit negotiation or bankruptcy prevention program may be arranged at no cost. All sessions are completely confidential.

If any of these situations apply to you, financial counselors can help:

- Didn’t get approved for the lowest rate
- Credit cards always maxed out
- Just making minimum payments, not paying down your debt
- Living paycheck to paycheck, no money to save
- Experiencing a short term hardship, falling behind on mortgage or car payment
- Receiving collection calls
- Considering bankruptcy
- Worried that divorce or other life change may affect credit worthiness
- Want to save a down payment for home

American First Credit Union can help you in getting free financial couseling. Don’t let money woes rule your daily life. Learn how to manage your finances before they become a problem. If you’re already in debt, ask for assistance in finding a way to balance your budget. There’s no shame in simply asking for financial guidance. We all can use a little counseling every now and then.

Other online resources giving free financial counseling:

First Entertainment Credit Union
Lehigh Valley Hospital
Consumer Credit Counseling Service

For the price of a soft drink each day, get 200 online video seminars of the World’s Greatest Experts. Get the success you want… Faster than you ever dreamed!