Lesson 3 by Austin Richards https://padlet.com/austin_richards/ny29u4jgmkhh By: Austin Richards en-us 2016-11-28 03:51:37 UTC 2016-11-29 05:04:53 UTC hello@padlet.com Best Financial Institution austin_richards https://padlet.com/austin_richards/ny29u4jgmkhh/wish/140399098 D- Save money, achieve financial goals, purchase a large ticket item
E- Must be less than $10/Month, Easy to use, verified site
C- Wally.me, GoodBudget.com, Mint.com
I-  Pros: Organize money, budget expenses, 
Cons: Cost money to keep track of money, Could lead to fraud
D- I determined GoodBudget was the best site for me because it was the easiest to use and was free to a certain extend
E- Once I have used the site for a while will I decide if the purchase was worth the money for the full version]]> 2016-11-29 04:01:30 UTC https://padlet.com/austin_richards/ny29u4jgmkhh/wish/140399098 Roles and responsibilities of a financial expert austin_richards https://padlet.com/austin_richards/ny29u4jgmkhh/wish/140400333 Financial planning involves working with clients to understand their short-term and long-term goals, overall lifestyle and level of risk tolerance, in order to provide tailored advice and develop effective financial plans to meet their financial objectives
Qualifications:
College education for some sort of financial degree
Has Certified Financial Planner or one of similar significance 
Has previous clients or current clients that show loyalty to customers ]]> 2016-11-29 04:20:18 UTC https://padlet.com/austin_richards/ny29u4jgmkhh/wish/140400333 Budget Changes austin_richards https://padlet.com/austin_richards/ny29u4jgmkhh/wish/140400962 Many things can change a budget such as: 
Type of Income: Fixed or Variable
Number of Incomes: Single or multiple
Spending habits: Impulse buyer or thought out consumer 
Credit Card Debt: How much debt you have or if you have any
Rent/Mortgage: Cost per month
Children: Age, Number of children
Wife: Multiple incomes, extra expenses for her]]> 2016-11-29 04:31:15 UTC https://padlet.com/austin_richards/ny29u4jgmkhh/wish/140400962 Works Cited austin_richards https://padlet.com/austin_richards/ny29u4jgmkhh/wish/140401660 https://canadianfinanceblog.com/your-budget-5-factors-that-will-determine-what-it-looks-like/#
https://www.explorefinancialservices.com/Careers/4
iBooks Chapter 3]]> 2016-11-29 04:44:11 UTC https://padlet.com/austin_richards/ny29u4jgmkhh/wish/140401660