WEB SITE ACCOLADES
* 
USA TODAY HOT
SITE
: This site was selected by USA Today on 6/4/98 as a HOT
SITE.
These are their comments: "Errold F. Moody, Jr., has pulled together a
financial
site that he says has got to be one of the most comprehensive on the
Web.
With more than 1,000 pages and 531 links, it's a claim that's hard to
dispute.
This is a high-powered personal bookmark list that spans the
spectrum
of the truly useful."
* Online Investor Sourcebook 2001: One of the top 34 Personal Finance sites on the Internet
* 
The site
was
selected by Suite 101 as one of their top 5 Retirement sites with this
comment-
"Here's where you go to get started on ANY aspect of retirement
planning
-- finances, Medicare, health, insurance, and everything in between.
You
name it, and he's got more than you might ever have wanted to know
about
virtually any financial-planning topic. But the man knows his stuff,
and
if you're willing to wade through it, you'll be a well-informed
(personal)
wealth manager."
* 
AOL
selected this site for various subjects such as Financial
Planning,
Investment Professionals, Insurance News and Information, Long Term
Care
and more.
* 
Netscape
selected
this site as an Editor's Choice for Long Term Care, Securities,
Consumer
Protection, Financial Planning and Insurance, News and Information and
more
* Moneysmartz
(2009): With quotes like "No matter,
this is not a Suze Orman 'feel good' commentary or the absurd Rich
Dad Poor Dad drivel. Be prepared to do some heavy homework and you
will be well served by the material and insight found nowhere else"
it's not surprising that EF Moody is known for his "no-nonsense"
approach to educating readers about finance. The contents of his site
EFMoody.com offer a comprehensive and in-depth discussion of the
essential elements of financial management and planning. The site
prides itself on being the "largest comprehensive financial planning
site on the Internet" and for providing readers knowledge to help them
get past the hype of the financial services industry and focus on what
really works.
* From a reader: "Your website is the best personal finance resource on the internet and you have helped countless people. Many others could help themselves by reading and learning the material and links you published but unfortunately, they are unwilling to read! I always direct folks to your website for complete & objective information regarding the particular problem(s) they are trying to solve. Thank you for your tireless work to unselfishly help the investing public."
* From a reader: I am studying for my MS in financial planning. I use information from your site to stimulate my appetite in contrast to the traditional texts used in the course. Your site and book rocks!
* FORBES: Errold F. Moody Jr. bills himself as "The Internet's Financial Consumer Adovcate." His quirky but informative site suggests ways to advocate for yourself when planning your estate. For instance, when choosing an advisor, Moody cautions: "Never, never, never give money to anyone unless they have and can effectively utilize a HP 12C calculator or similar." Excellent advice: either they don't understand money or they aren't interested. A fatal flaw in a financial advisor either way. "........ you'll find some great information if you have the time to dig it up. Articles ......are like discussions with a knowledgeable friend, not a paid-by-the-hour lawyer. "
* BUSINESS WEEK AWARD: Of all the financial sites listed on the Internet, Business Week listed (5/2000) just three as the best. This site is one. However, of the other two- Expert Central, I have been one of their experts for over 1.5 years. The third is Quicken- and I have been listed as one of their top retirement sites for over 2 years.
Their comment about what I want to do with the site is correct- "I want people to read and think".
* Blowing your own horn is easy when you are a windbag
Hoest & Riener
* November 2003
Real Estate
Excellence
* From an agent: (2002) "Thanks again for your absolutely terrific analysis of financial doctrine. I use it like a bible. . I really do appreciate your writings and essays about insurance and investment planning. You saved me from making many many mistakes that would affect others for years to come."
* From an attorney: "I googled "trustee liability & life insurance" and you came up. I'm a lawyer/agent here in Michigan and I was developing some marketing ideas for reaching estate planning attorneys and cpa's regarding the obligation to audit and monitor trust policies. Yours was the closest I came to information on the subject and you covered it very well, indeed."
* From a client on a very involved case (2001): "To anyone who is considering using the services of Errold Moody as one's expert for testimony or reporting, I recommend him without reservation. First of all, he is a compassionate and caring person who is part-teacher, part-analyst, part-scientist, and expert at the art of synthesizing accurate conclusions that make sense. He is a good listener who is able to integrate other experts' research and opinions in support of his client. In summary, I cannot recommend him highly enough."
* A 401(k) firm noted, "As we discussed you have more 401(k) information on your website then most advisors that have hundreds of millions under management in 401(k) plans."
* From a Canadian site for Financial Planners: "Beef Up Your Bookmarks: 10 Key Planning-Related Web Sites (April 2002) Your clients count on you for reliable and timely information and advice. But whom do you rely on for the same, especially on the Internet, where choices can be endless and sources sometimes dubious? To save you from having to wade through a lot of filler, here are 10 Web sites that should be at — or close to — the top of your bookmark list."
And here I am- "A U.S.-based expert witness and all-around fascinating guy who offers up an article on almost every conceivable financial planning topic."
* "How Financial planners Can Help Here is an Associated Press article on October 19, 2000 where I was referenced as one of the top 6 internet sites for financial planning information- and the only individual.
* The U.S. Government General Services Administration has included my site in their "U.S. General Store Home Page Consumer Information" catalog.
* From an Estate Planning Attorney 7/2001: your excellent website is very professional and complete.
* Rick Ferri, CFA, Author of Serious Money, "I commend you on an excellent web site. One of the finest and most complete sources of personal financial information."
* This site has been selected as their No 1 reource for LTC information and links by the Long-Term Care Institute of New Hampshire
* I am listed as a source by HIICAP of New York under their Health Insurance and Public Benefit Information. This is, obviously, not an endorsement of everything I may write or teach, but I think it is another good reflection of the quality and independence of the overall material.
* From a trust advisor- Thanks for making your site and all of its wealth available.
I have spent the last twenty years in the financial services industry, mostly in the trust and estates area. Like you, I am appalled at the lack of knowledge by so many people handling so much money.
* Australian Society of CPAs ".........this site verges on the truly awesome. "..............this should be visited at least once by every financial planner.
*
I would like to congratulate you on your online presence, and
your commitment to expanding the market and resources of financial
planning.
Your site is a tremendous asset to the online community as well as an
example
to be followed by other investment professionals.
* From a financial consultant 2001- " I have been reading your information for over 3 years now, and feel that I have learned a great deal from it. For that I wish to thank you.
I am increasingly disenchanted with the financial services industry. So much of what you write about the incompetency is right on target. I see the problem being continued by the way the industry is organized. No matter what they say, it is still all about sales and what is the best way to put some of the clients returns in the BD/RR's pocket.
* From the author of the book Elder Rage , "I am so impressed with your wonderful site, I am going to add a link to it from my "valuable resources" under Long Term Care Insurance, as it has everything! Great job."
* Best financial planning site from Hong Kong University (4/2000)
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* This unsolicited comment might put a perspective on how a professional CLU, ChFC views my material. "We are state approved continuing education instructors and providers for the insurance industry in Arkansas. Your materials would make excellent study materials for continuing education courses. Could we have permission to use your materials and have them filed with the state for our courses? We of course would acknowledge you as the source and would promote your web site.( It is Great!)"
* From a student in Applied Financial Economics came this comment- GREETINGS, MY NAME IS ARIEL .................I AM 22 YRS. OF AGE AND LIVE IN .......... FIRST I WOULD LIKE TO CONGRATULATE YOU ON SINGLE HANDEDLY BUILDING THE MOST INFORMATIVE/TRUTHFUL/INTERESTING /USEFUL FINANCIAL WEBSITE. MANY COMPANIES WITH PROBABLY A LOT MORE MONEY (that's for sure) AND WHOLE TEAMS OF FINANCIAL "PROFESSIONALS" HAVE NOT BEEN ABLE TO COME CLOSE. I HAVE A FEELING YOU DO IT FOR YOUR OWN PERSONAL SATISFACTION AND AS A GIFT TO SOCIETY. I HAVE MUCH RESPECT FOR YOU ESPECIALLY SINCE YOU ARE BRAVE ENOUGH TO OPENLY CRITICIZE THE POWERFUL MAJOR BROKERAGES INVESTMENT BANKS, EXPOSING THE TRUTH. YOU ARE A REVOLUTIONARY AND A SHINING EXAMPLE FOR SOMEONE LIKE ME WHO HOPES TO ENTER THIS INDUSTRY AND HELP PEOPLE TO PLAN THEIR INVESTMENTS BUT ALSO PUTS ETHICS FIRST.
* From the first Life and Disability Analyst in California comes this unsolicited comment regarding some work I had done- "I THINK THAT YOU ARE THE MOST EDUCATED "ANALYST" IN CALIFORNIA."
* "I am a bank officer and have been around finance all of my adult life, and after running into your site by accident, I am astounded at what I don't know. Visiting your site and a few of its links has better prepared me ...... I want to tell you that I believe your site to be the No. 1 consumer-oriented financial warehouse on the internet."
2001: The number 1 site for financial planning selected independently by NBCi editors.
* And another award from Hitbox where I am now one of the top 35
Business
sites they cover: "EF Moody has put together a financial planning site
filled
with over 1,000 pages and nearly that many links to sites that will
assist
you in solidifying your monetary future. Easy to use and follow, the
advice
is bountiful."
* From Individual Investor Magazine, March 2000: "Forget the dizzying array of online retirement sites: Errold F. Moody Jr., a financial consultant with 20 years experience, has created a one-stop shop for everyone from Gen Xers to current retirees."
* From the "Premier Financial Planning Web-site in Malaysia" regarding this site:
"Perhaps the authority on financial planning on the internet. Though most of the information is for the US market, many of the principles still apply anywhere. Check out what he has to say about financial planners and the use of financial calculators - you will be astounded! Another great thing is that Mr.Moody does not mince his words - he tells it like it is."
* Here are some of the topics areas where I have been chosen by Go.com
Consumer protection for investors
* From a CFA (Chartered Financial Analyst) January 2000- "Just wanted to drop you a line to tell you how much I enjoy, and look forward to, your monthly newsletters. I have been reading them for over 3 years and recommend them to many people (investment professionals and non-professionals). Your information is readable, useful and logical - but can be intimidating for those looking for quick & easy answers. But those aren't the readers you want, anyhow. Please do not get discouraged about your uphill (and against the stream) struggle. It is absolutely critical and imperative that there is an objective, comprehensively knowledgeable/informed voice out there keeping the insurance industry and investment industry on their toes. And keep up the call for planning for the future."
* I was added as one of the top 10 Financial sites by Recomend it.
* 
I have
been
awarded the Cool Site in the Netscape Open Directory for Long Term Care
* "The State Health Planning and Development Agency regulates healthcare facilities in the State of Alabama through the Certificate of Need Program. The information found on your website are of great interest both to us and those who receive our newsletter. Your website is one of the most informative and useful we have found and will continue to be a great resource for our agency. We would like to request your permission to use information from your website in our monthly newsletter entitled the SHPDA Monthly Review."
*
This
site was chosen by the STARTING PAGE as their best Financial Planning
Site
* Some of you may know of the Mining Co site (now About.com). This was noted on the insurance industries site
Financial Services- My current favorite site for all-around financial info is E.F. Moody's site. This guy has a TON of info on his site, and really knows what he is talking about. Plan on spending months (literally) exploring the whole site. Highly recommended.
* : 
And another
award
from CYBER-TEDDY
as one of the top 500 business and finance sites on the Internet.
* From a Physician's Web Site- "E.F. Moody is a financial planner who has amassed one of the best collections of medical and medically related links we have seen".
* Hoover's Business Services has included the site for personal finance, insurance, etc.
* This is a HOT SITE by the International Real Estate Digest
* Infoseek has included my work as a Top Site for Personal Financial Advice and Services ; Financial Planning; Stock basics, Long Term Care, Death, Divorce, Retirement, How to Find a Planner and more
This was a separate commentary that I later received from the Content Manager of InfoSeek.
" Greetings! This is a fan letter. I wanted you to know how useful your website is, and how much I appreciate the breadth and attention you have given to your articles and reference material. I have found your content to be well prepared and I often include reference to your site and articles as a balance to the commercial bias that exists in the investing and financial planning web community.
I am the Topic Manager (Content Editor) for Infoseek's Personal Finance and Business channels. My job is to structure a compelling and intuitive directory for Infoseek users. I am also responsible for cataloging the best and most relevant sites that the web has to offer into our directory. Prior to working with Internet related companies, I was a Financial Analyst (3 years) and a commission based insurance and registered rep (4 years). I've seen the good, the bad, and the ugly within the financial services community. The information you convey is extremely worthwhile. Among the topics where your site is listed in Infoseek's Personal Finance channel are: Financial Planning, Stock Basics, Stock investors' advice & services, and some of your individual articles are cataloged throughout other financial topics.
Keep up the good work!"
*
* 
This site was
selected
by BIGEYE as their featured
financial
planning site (Click to
see
the specific page- look for the bag of money), but what was
the
"nicest" was this additional personal comment:
"Although I very rarely follow this up with a personal message, I want to let you know how impressed and delighted I was to find your pages.
Although retired, I do have considerable personal and business knowledge about the working life of money, etc., and feel sufficiently qualified to pass judgement on the content of your site. It is, by far, the best and, perhaps, the ultimate in use of the WWW for this purpose. You will provide invaluable information for many thousands of persons you will never meet. Congratulations on a job well done."
* This site is listed as FOUR STARS by the Norton-Brown Herbarium, University of Maryland . Also listed by Ferris State University, Texas Tech, IONA College among others.
* From Colorado State University Extension regarding the referral to only this financial planning site:..........." users who have even a remote interest in investing should find this a valuable and entertaining resource. "
*
* "Top Ten Personal Finance Sites brought to you by Excite, Based upon the most-accessed Webcrawler Select Reviews."
* NETSCAPE recommends it as a Top Retirement Site
* From Boardroom's Bottom Line- The WEB's Most Useful Money Sites:
"Virtual Money Maven- Slightly off-beat, but very readable, this site is maintained by an independent financial planner in San Francisco, Errold Moody. His experience and credentials qualify him to offer useful advice to individuals on subjects as diverse as life insurance, investment decisions, long-term health care, estate planning and tax-saving strategy, etc. The site also offers a long list of helpful financial resources to help individuals research their various financial decisions."
* BEST OF THE NET for Life Insurance & Financial Services Resources
* From QUICKEN under Business and Investing as one of their TOP SITES- "Guidance and warnings from a pro specializing in retirement preparation. Jaded? No, just experienced. This California planner has seen it all, and wants to warn you about it. Moody debunks the hype surrounding some popular investment and insurance products, and dismisses the brokers and agents who want to use your nest egg as a money pit. He offers down-to-earth advice about annuities, long term care, charitable giving, and other topics of interest to the not-yet-retired. His links are abundant, too."
* From a Canadian Adviser: "I'm sifting through the internet looking for information on diversification, and google.com steered me to the "Who can You Trust?" section of your website. It certainly was entertaining reading-but damn USEFUL (particularly in this day and age of us being bombarded with absolute crap). It should be required reading for anyone contemplating investing.
* FINANCIAL PLANNING MAGAZINE, The Official Magazine of the International Association of Financial Planning reviewed this site in their February 1998 edition and noted that "Moody's educational site is designed to amuse as much as to enlighten and .....is a useful reference for planners who might be thinking of establishing an online presence".
* Effective January 1998 from a Real Estate organization regarding my site. "Your site was reviewed and have won our REALS Award. There are a lot of sites on the web. The best sites deserved special recognition.We wish to reward those sites displaying both creativity and a commitment to their user/client."
* PC Magazine's February 24th, 1998 edition; Cover Story of OnLine Finance; Essential Internet Services compared my site directly against American Online Personal, Microsoft Money Insider, Money.com, Quicken and the Wall Street Journal Interactive Edition.
* Internet Surfer rates it as a Top Site for July 1998
* 
This site was selected as a Super Site by
The Info source . "These
sites
have contributed valuable information, services and resources to the
Internet.
Because of their hard work and dedication to service, these sites are
among
the best in the World!"
* It has also received accolades from Registered Investment Adviser Newsletter and Financial Services Online among others.
* " I have been using your site and recommending it to others. Thanks for your good and voluminous work."
Director, Personal Financial Planning Certificate Program, UC Davis Extension
* From a Registered Securities Principal of the Bond Site listed in my investment section (BOND QUOTE LINK) came this comment: "Your information is simple, humorous, straight-forward, and on the level. Unfortunately, the investing public is being bombarded with information and statistics that are misleading and confusing. Keep up the good work!"
* "I'm also a planner/investment manager. Have been in the business since 1984. Have a CLU, ChFC, MSFS. I applaud you on the time and effort you spent and spend in constructing and maintaining your Web site. I've found more useful information and links on your site than anywhere else."
* From a financial planner and benefit consultant in New York- "I am in awe of your web site. It is one of the best sites, if not the best, that I have seen for our industry...."
* "I am a fee based financial planner and educator in Washington DC and enjoy the information on your page."
* "Thanks for the super info on your site. I'm telling everyone I can about it. Keep up the excellent work. I'm a student studying Economics and Finance and learning new information in this perspective is great."
* "I really appreciate your candor regarding the article on women and investing. Thanks for boosting my self esteem and helping me to see the "big picture" in setting aside investment goals. I really like the "save a dollar a day" scenario."
* "Nice web site, E.F. It's being tossed around in the U.S. and Canada by insurance planners and financial advisors as one great site to check out. Even got some home office types to raise an eyebrow. Nice going."
* "The more I look the better it gets. You're doing consumers, and Financial Advisors, a great service with such an encyclopedic Web site. Thanks."
* "I must admit...Your site is THE most refreshing one I've come across in a long time, er.. make that EVER. Honestly! I am a Finance student at Eastern New Mexico University...Thank you for your candor and forthright thought. Thanks also for such a cool Web site. It's in my Favorites and I review it often."
* "Thanks for the great site. I am planning to retire in a couple of years and this site has the best information that I have found anywhere."
* From a 1997 insurance student, "As I told you, Errold, during our last conversation, I'm giving your URL to everyone I know. You've helped many people so far, and I hope they realize your honesty, intelligence, and ethics so that they will seek your professional advice for their financial planning."
* The site has been independently linked by such other diverse sites as Ernst and Young for Financial Planning, The Department of Aging for Long Term Care, and CPA, Investment, Real Estate, 401(k) and Retirement sites across the Internet.
ERROLD F. MOODY JR.