Master Financial Education

E F Moody Jr

PhD MSFP MBA LLB BSCE

                                                                                                                                    EFM@EFMoody.com


Knowledge makes obsolete the inequities 

that ignorance and prejudice justify





This is not Suze Orman, Robert Kiyosaki, Jim Cramer or any of that drivel
This is what Financial Planning is all about.
If you are not into reading and thinking, this is not the place to stop and graze.

The Daily Commentary  provides more insight to current comprehensive financial planning issues than anywhere else.

Why did our systems fail and why will they continue to do so?  From Paul Volcker- our economics
are based on
“an unjustified faith in rational expectations, market efficiencies and the techniques of modern finance”.





This is what a senior citizen looks like when invited to a free chicken dinner to hear about an indexed annuity
Deer in the Headlights

(This is real close to the truth)

You do not buy stocks from a stockbroker

You never do financial planning with a financial planner


You do not buy insurance from an insurance agent

401(k) Instruction has always been terrible and remains so today





There is no expedient to which a man will not go to avoid the labor of thinking.

Thomas Edison



 

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Online Investor Sourcebook: One of the top Personal Finance sites on the Internet

Moneysmartz:  One of the famous, and sometimes controversial, features of EFMoody.com is his Daily Commentary discussing the finance industry and the economy as a whole.

Errold Moody masters the art of humorous, conversational financial commentary


 

FINANCIAL PLANNING
FIDUCIARY STANDARDS under DODD FRANK 

2012

MANDATORY READING FOR FIRST YEAR FINANCE, BUSINESS AND FINANCIAL PLANNING MAJORS, ALL CFPs,

ChFCs, CPAs AND ANY ATTORNEY DEALING WITH MONEY MATTERS (BUSINESS, ESTATE, REAL ESTATE, DIVORCE, 401ks, ETC.)

This is the text that accompanies the Video courses approved by the State Bar of California for Continuing Legal Education (CLE)

Fiduciary Standards Dodd Frank: Investments

Fiduciary Standards Dodd Frank: Insurance and Annuities 

Contents

            Foreword    i
1. Literacy and Aliteracy    1
2. Basic Financial  Education    6
3. Finance Theory    12
4. How Statistics Can Lie    32
5. Past Success as a Guide to Future Performance    36
6. Cognitive Impairment, Investor Disassociation With Reality and How Marketing Can 
    misdirect Consumers                      47
7. Ethics, Integrity, Legality, Licensing, More Marketing        60
8. Governmental (In)Competency, Organizational Lies    81
9. The Significance of Being a Fiduciary    92
10. Fiduciary Duty to Seniors    101
11. IRA Fiduciary    109
12. Consumer Risk Questionnaires    111
13. Diversification    123
14. Beta and a Lot More of Real World Failure    131
15. Investment Correlations    138
16. Standard Deviation, Volatility    149
17. Risk of Loss    157
18. Risk, Probability, Timing, Consequences    161
19. Inverted Yield Curve    167
20. Year Over Year Real Gdp %    170
21. Dollar Cost Averaging (DCA)    174
22. Dollar Cost Averaging Down     181
23. 60/40, 70/30, ??/?? Allocation    185
24. Rebalancing    191
25. Current and Retirement Budget    196
26. Retirement Analysis    203
27. The Fallacy of Retirement Annual    213
28. Withdrawal Numbers    218
29. Reversion to the Mean    221
30. Securities Arbitration    222
31. Real Estate    231
32. Men Versus Women    238
33. Uniform Prudent Investor Act    241
34. Insurance and Annuity Overview    248
35. Term Insurance    260
36. Whole life and No Lapse Insurance    266
37. Universal Life    274
38. Annuities    281
39. Indexing    292
40. Long Term Care Insurance    301
41. Life and Viatical Settlements    315
42. 401ks    320
43. Conclusion    333
            Appendix    340
            Index    440








Amazon

Bulk Sales above 20- call 352 228-4523
Ebook at BookTango

CLE courses- Call 352 228-4523





Topics

Foreword

FINRA

Initial Steps to Arbitration/Litigation

Is there a Legal Duty

Suitability or Fiduciary

Industry Monikers

Investors Act of 1940

Standard Industry Fare

Fair Practice

Risk and Consumer Questionnaire

Stock Market Game

Other Organizations

Software

Why it Goes Wrong

Industry Knowledge/Consumer Knowledge

Financial Literacy

Sophistication

Cause of Action

Arbitration Process

The Players

Arbitrations

Securities Licenses and Registration

Insurance and Annuities Licensing

Broker Continuing Education

Insurance and Annuities

Fundamentals of Investing

Correlation

Standard Deviation 


Financial Calculator

Asset Allocation

Pyramid of Investing

Inverted Yield Curve

Types of Cases and Statistics

Real Life Cases and Analysis

Finding an Attorney

Communication

Dispute Resolution Statistics

Arbitration Reality

Conclusion

SECTION 2

Regulatory

Duties and Conflicts

Transactions with Customer


EBook at Booktango

Mandatory Understanding of the Lack of Investment and Product Knowledge and Application by Plaintiffs, Defendants,  Experts, Arbitrators and Attorneys and the Implications to Arbitration and Litigation

(Foreword)

 

352 228-4523

EFM@ EFMoody.com




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