Establishing financial goals was
the main topic that I believe Professor and fellow sister Lillian Clayman
wanted us to take home. We were highly adviced to pay attention to where our
money goes. Awareness is key to be able to control spending habits.
In this class we were able to
understand the difference between the different type credit cards that are
available to all of us and how we as consumers are making poor judgment daily
due to lack of knowledge. Sometimes you think you know it all and then “BANG” you
realized that maybe there is always a lot more others know about money that you
don’t know. Thanks to the participation of the sisters in the class I was able
to learn a lot. I appreciated the stories, examples and common knowledge many
of you shared. It really did make a big difference. This class was incredible,
fun and interactive.
I must say that what I got the
most out of this class was that money does matter and I have to be a better
steward with what God has given me.
I’m grateful I took this workshop
and would like to share a few links the professor Clayman share with us in
class.
In deed there are many
"financial planning" websites. Many are sponsored by financial
services companies who would like to sell their products. A lot of the
information that they provide is helpful. However, it is more helpful to go to
a website that is product neutral.
1) www.wiserwomen.org - Women's Institute for a Secure Retiremen
2) www.ftc.gov
- Federal Trade Commission, click on "consumer Protection" and scroll
down to "Other Publications. Scroll over the left side menu for a plethora
of topics.
3) www.socialsecurity.gov
- Social Security Administration
4) www.finra.org
- Financial Industry Regulatory Authority. Click on "Investors". You
can use this site for research and education. This site also allows you to
research your broker. Remember, only those licensed to buy and sell securities
will be on this site. While an insurance agent may put themselves forward as a
financial advisor,they will not be on this site unless they are also licensed
with FINRA.
5) www.naic.org
- National Association of Insurance Commissioners. Click on "consumer
resources." You can also click on your home state site.
6) www.charitywatch.org
- before you contribute to a charity, you may want to see how much actually
goes to the cause you care about.
Sisters I hope these above
websites can help you find more information on money and sense. I hope that it
helps you and leads you to financial freedom.
In Solidarity,
Julia Portillo
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