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Pound Foolish, author Helaine Olen explained her background as a personal finance writer, how the personal finance industry got started, the story of 401ks, the problem with Suzy Orman, how the financial services industry turns what are political problems into a personal problems, the genius of Occupy, the urgent need to regulate and the financial services industry…

This clip from the Majority Report, live M-F at 12 noon EST and via daily podcast at http://Majority.FM

Duration : 0:31:43

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(www.abndigital.com)
As calls for financial planning intensifies, the innovators have come up with tools to help consumers achieve this. But there has been mixed reactions, not necessarily to the efficacy of these but the risks this may pose. Some banks including the Ombudsman for Banking Services have said that says that submitting sensitive personal details to a third party posed “a fundamental risk to customers’ security”.

Duration : 0:14:12

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I am a freshman at kansas state university, and I was wondering what major I should choose. I am not completely sure if I want to be a personal financial advisor, or even do anything in finance, but right now it is at the top of my list. I have heard that KSU has one of the best programs for personal financial advising and is also tops for their finance and accounting majors. Which would be better for a potential career in personal financial advising?

I read an article that in the future older people are going to need more help with investing that ever before. Pensions are no longer existent (for the most part) and people retiring have no idea what to do with their 401K plans. You might just have a really good future.

Personal financing for regular folks does not work.
These people generally have no money to pay you the big bucks you will want.
Middle class people read magazines and educated themselves in finances so they do not need help. Rich people just call Goldman Sachs.

Read the full article on RRSPs at http://natpo.st/11xcQIn Melissa Leong gives answers to some commonly asked RRSP questions. Visit Financial Post’s personal finance page at
http://business.financialpost.com/personalfinance

Duration : 0:1:33

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With online sites for no faxing payday loans, the main issue to worry about is security. For this reason, you have to find a site that is secure, highly rated, and used by many other borrowers online, to ensure your information is secure, and that you are not dealing with an online scam artist.

Tip number 2, Make sure they have an easy online application

This goes hand in hand with the security when you are applying online for your no fax payday loans. If a site is asking for information such as date of birth, income, what you do for a living, and living address, it is most likely a legitimate service. The no fax payday loan site you visit should straightforward and to the point, and the application should take no more than a couple minutes to fill out.

Tip number 3, Make sure you get instant approval

One of the main reasons borrowers use payday loans, is because they do not have great credit. For this reason, you have to find a site that offers, no credit check, instant approval, and cash to your account in no time at all.

When you are in dire need of quick cash, a traditional loan is not going to cut it for many. Instead, you can consider secure, no fax payday loans, where you will gain access to the cash you need, right away.

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Duration : 0:2:1

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I live in Australia where we have free government health care (tax payer funded), with the option of also utilising Private health care, this system works well in ours and many other countries, where sick and injured people are treated equally regardless of finances and no one becomes bankrupt due to health care costs, so why are many Americans against this?

Because a lot of Americans still have a fading streak of individualism and a belief in personal responsibility over government nanny-stateism.

It isn’t that most Americans are against various health care reform initiatives. Most Americans can agree that the system has some flaws and that certain specific measures can and should be taken to reform it. Where we disagree is on the CURRENTLY PROPOSED fix.

I am pro health care reform in a lot of ways, but THIS BILL, the one they are trying to ram through Congress, THIS BILL sucks.

And back to the first point, while a lot of Americans do feel sorry for those that honestly cannot afford care, we also do NOT want to be made financially responsible for those that refuse to take care of their own health to begin with. People like this lady, who I’ll have to pay for under a government system:
The super-sized 43st mother who is determined to become the world’s fattest woman
(http://www.dailymail.co.uk/health/article-1257850/Super-sized-mother-determined-worlds-fattest-woman-years.html )
"Donna Simpson already weighs 43st, but she is determined to nearly double her size to become the world’s fattest woman.
The 42-year-old from New Jersey, U.S, is set on reaching the 1,000lb mark (71st) in just two years. Remarkably she insists she is healthy, despite now needing a mobility scooter when she goes shopping."

Why should my hard earned property be confiscated to pay for someone like this? Someone not just "down on their luck," but KNOWINGLY making bad health choices and INTENTIONALLY seeking to exacerbate them?

There are also many other issues to consider before handing the government this power:
1) Is it even Constitutional?
2) Can we afford it (we’re already running the world’s largest debt at more than 12 TRILLION dollars. Can we afford another costly, inefficient government program?)
3) What mechanisms are in place to prevent abuse? Let’s say you go into the doctor for a blood test. As the government is paying for it, who’s to say they won’t use that as an excuse to violate doctor/patient confidentiality and use the blood sample to run a DNA test for a comparison to open criminal cases? I’m not saying they will, but by giving government control of health care, you are handing them a LOT of power and there’s nothing explicit in most of these bills telling them how they can and cannot use that power.
4) Why not start with multiple smaller reforms bills FIRST (tort reform, protections against defensive medicine lawsuits, allowing interstate private insurance competition, etc) instead of jumping into the deep-end of the pool with a massive and unproven reform bill that shifts power to the government?
Etc.
The list goes on and on.

Nothing against Australia, either, but your total population is what? 21? 22 million? Ours is 300+ million. Our costs would be orders of magnitude more than yours. 22 million only covers the number of illegal aliens here. My state’s population alone is 25 million. It’s apples and oranges. There are a lot of programs that work well on a smaller scale that simply do not translate to a larger one.

G-8 Loses Clout; Further Analysis and Discussion with Dan Katzive of Credit Suisse (Bloomberg News)

Duration : 0:6:29

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The biz is $30k. what options are there? investors? no banks please.

If you are avoiding banks because of credit issues, you will have trouble with finding investors.

The starting point would be to develop a business plan that shows how you plan to develop the business which includes capital growth projections. Investors (being people with money that have been their done that) will scrutinize this plan, so be sure you are realistic. The best place to find investors is to go to friends and family that already have a reason (I assume) to believe in your success.

I would also recommend going to the Small Business Administration for helpful information on starting a business. They have several links and articles about start up capital.

Renewable Energy a Way of Life in Small German City of Freiburg (Bloomberg News)

Duration : 0:2:43

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Are they talking about: a) stated salary; b) gross income before taxes; c) Federal "Adjusted Gross Income; or what?

It really depends on the context of articles. However, when discussing personal finance generally it is referring to gross income. There are plenty of people who reads Forbes and Fortune magazines in the high income bracket with little earned income (salary).

Best wishes.