#financial adviser

[financial-adviser-exam]

How to Become a Certified Financial Adviser: A Step-by-Step Guide

The role of a financial adviser has become increasingly important in today’s complex financial landscape. With individuals seeking guidance on investments, retirement planning, and wealth management, financial advisers are in high demand. If you're considering a career as a finance advisor, obtaining the right certifications and training is essential for success. One of the most sought-after credentials in the industry is the Certified Financial Planner (CFP) designation.

In this article, we’ll explore what it means to be a financial adviser, the steps to becoming a certified financial planner, and the benefits of obtaining this prestigious qualification.

What Does a Financial Adviser Do?

A financial adviser, also known as a finance advisor, helps individuals and businesses make informed decisions about their finances. These professionals offer advice on a wide range of financial matters, including:

Investment strategies

Retirement planning

Tax optimization

Estate planning

Risk management and insurance

Steps to Becoming a Certified Financial Planner (CFP)

To excel as a financial adviser and stand out in the industry, becoming a Certified Financial Planner (CFP) can greatly enhance your career. Here’s how you can earn this designation:

1. Meet the Educational Requirements

To become a certified financial planner, you’ll need to complete a formal education program that covers key financial topics. These topics include investment planning, retirement planning, estate planning, tax planning, and risk management.

In many countries, including the U.S., Australia, and the U.K., you must complete coursework from a CFP Board-approved program. These programs can often be taken at universities or through online platforms.

2. Gain Relevant Work Experience

Most financial planning certifications require you to have a certain amount of professional experience. Typically, this involves two to three years of work experience in financial planning or a related field.

Relevant experience includes working in areas like:

Investment management

Insurance advising

Estate planning

Tax planning

This hands-on experience helps develop the practical skills necessary for success as a financial adviser.

3. Pass the CFP Exam

After completing the educational requirements, you must pass the CFP exam. This rigorous test assesses your knowledge of financial planning principles and your ability to apply them in real-world scenarios.

The exam covers topics such as:

Professional conduct and regulation

Financial planning principles

Taxation

Investment planning

Retirement and estate planning

Thorough preparation is key, as the CFP exam is known to be challenging.

4. Adhere to the Ethical Standards

One of the hallmarks of being a certified financial planner is adhering to strict ethical standards. As a CFP, you are held to a fiduciary standard, meaning you must always act in the best interest of your clients. This commitment to integrity helps to build trust with clients and enhances your professional reputation.

5. Maintain Certification through Continuing Education

After becoming certified, financial advisers must continue their education to maintain the CFP designation. This ensures that professionals stay up-to-date with the latest financial laws, regulations, and trends.

Continuing education courses may cover topics such as:

Changes in tax laws

Investment strategies

New financial products

Why Become a Certified Financial Planner (CFP)?

Obtaining the CFP designation is a significant achievement in the field of financial advising. Here are some of the key benefits:

1. Enhanced Credibility and Trust

Earning the CFP credential demonstrates that you have met rigorous standards for competency and ethics. This enhances your credibility with clients, employers, and peers, helping you to build a strong professional reputation.

2. Increased Career Opportunities

Many employers in the financial services industry prefer to hire financial advisers who hold the CFP designation. Additionally, having this certification can lead to higher-paying roles and opportunities for advancement.

3. Greater Client Confidence

Clients are more likely to trust a certified financial planner with their financial well-being. The CFP designation signals that you are committed to providing the highest standard of financial advice and that you have the skills necessary to guide them toward achieving their financial goals.

4. Competitive Advantage

The financial planning industry is highly competitive. Becoming a certified financial planner gives you a significant edge over those without the designation, allowing you to stand out in a crowded field.

A career as a financial adviser can be both fulfilling and lucrative, especially if you pursue advanced credentials like the Certified Financial Planner (CFP) designation.

By meeting the educational and experience requirements, passing the CFP exam, and adhering to ethical standards, you can elevate your career in financial advising.

Not only will you gain the trust of your clients, but you’ll also unlock new opportunities for growth and success in the finance industry. As the demand for qualified financial planners continues to rise, becoming certified ensures you’re equipped to provide expert advice that makes a lasting impact on your clients’ financial futures.

[grcessentials]

Experienced Financial Adviser Registration Pathway

The passage of the Treasury Laws Amendment (2023 Measures №3) Bill 2023 has introduced changes to the regulations governing financial advisers in Australia. Specifically, it has created a pathway for experienced financial advisers that recognizes their extensive industry experience and allows them to continue practicing without the need for additional tertiary education qualifications. Here are the key points regarding the Experienced Financial Adviser Registration Pathway

[masterstaxfinancialplanning]

The Ultimate Guide to CPAs and CPA Firms in North Carolina

When it comes to managing your finances, especially in a state as economically diverse as North Carolina, having a trusted Certified Public Accountant (CPA) by your side can make all the difference. Whether you're an individual looking to manage your taxes or a business seeking comprehensive financial advice, CPAs in North Carolina are equipped to help you navigate the complexities of financial management.

Understanding the Role of a CPA in North Carolina

So, what exactly does a CPA do? A Certified Public Accountant (CPA) is a licensed professional who provides a wide range of accounting services, including tax preparation, auditing, and financial planning. In North Carolina, CPAs play a crucial role in helping individuals and businesses manage their finances, comply with state and federal tax laws, and plan for the future.

Hiring a CPA in North Carolina is not just about crunching numbers. It's about getting expert advice on how to optimize your financial situation, whether you're a small business owner, a real estate investor, or an individual looking to make smart financial decisions.

CPA Firms in North Carolina

North Carolina is home to numerous CPA firms that cater to various financial needs. From large firms with a broad range of services to smaller boutique firms specializing in niche areas, the state offers a diverse selection of CPA firms.

When choosing a CPA firm in North Carolina, it's essential to consider factors such as the firm's reputation, the range of services offered, and the expertise of the CPAs. Some of the top CPA firms in North Carolina are known for their personalized service, deep industry knowledge, and commitment to helping clients achieve their financial goals.

Real Estate CPA in North Carolina

Real estate is a significant investment, and managing it effectively requires specialized knowledge. This is where a real estate CPA in North Carolina comes in. These professionals specialize in the unique tax and financial needs of real estate investors, offering services such as property tax management, investment analysis, and compliance with state and federal regulations.

Working with a real estate CPA can help you maximize your investment returns, minimize your tax liabilities, and ensure that your real estate transactions are handled efficiently and legally.

CPA Certification Requirements in NC

Becoming a CPA in North Carolina is a rigorous process that requires a combination of education, experience, and examination. Here’s a brief overview of the CPA certification requirements in NC:

Education: To become a CPA in North Carolina, you must have a bachelor’s degree with at least 150 credit hours of coursework, including specific accounting and business courses.

Experience: Candidates must also complete a certain amount of work experience under the supervision of a licensed CPA. This experience is critical as it provides practical knowledge and skills in real-world accounting situations.

CPA Exam: The Uniform CPA Examination is a challenging test that assesses your knowledge and skills in accounting, auditing, taxation, and business law. Passing this exam is a crucial step in becoming a CPA.

Licensure: After passing the CPA exam, candidates must meet additional state-specific requirements to obtain their CPA license in North Carolina.

Navigating this process can be daunting, but the rewards of becoming a CPA in North Carolina are well worth the effort. CPAs are in high demand across various industries, and the credential opens doors to numerous career opportunities.

Choosing the Right CPA in North Carolina

When it comes to selecting a CPA, it's essential to consider your specific needs and goals. Whether you're looking for tax preparation services, financial planning, or audit services, the right CPA will have the expertise and experience to meet your needs.

Consider factors such as the CPA's specialization, experience in your industry, and the range of services offered. In North Carolina, many CPAs offer free consultations, allowing you to discuss your needs and determine if they are the right fit for you.

Benefits of Working with a CPA Firm

One of the main advantages of working with a CPA firm in North Carolina is the comprehensive range of services offered. CPA firms provide everything from tax preparation and planning to auditing and financial consulting. This all-in-one approach ensures that all aspects of your financial life are managed cohesively and effectively.

In addition, CPA firms often have specialists in various areas of accounting and finance, ensuring that you receive expert advice tailored to your specific needs.

Real Estate CPA Services

Real estate investors in North Carolina can benefit significantly from working with a CPA who specializes in real estate. These CPAs offer services such as:

Property Tax Management: Ensuring that your property taxes are accurately calculated and paid on time.

Investment Analysis: Helping you evaluate potential real estate investments to ensure they align with your financial goals.

Regulatory Compliance: Ensuring that your real estate transactions comply with all state and federal regulations.

Navigating the CPA Certification Process

If you're considering becoming a CPA in North Carolina, it's essential to understand the certification process. From meeting the educational requirements to gaining the necessary work experience and passing the CPA exam, the journey to becoming a CPA is challenging but rewarding.

To succeed, focus on gaining practical experience, staying updated on the latest accounting standards, and preparing thoroughly for the CPA exam. Joining a study group or taking review courses can also increase your chances of passing the exam on your first attempt.

Conclusion

In North Carolina, CPAs play a vital role in ensuring financial accuracy, compliance, and strategic planning. Whether you're looking for a CPA firm in North Carolina, specialized real estate accounting services, or a CPA in Statesville, NC, choosing the right professional is key to achieving your financial goals. By understanding the CPA certification requirements in NC and selecting a CPA who meets your specific needs, you can ensure that your financial affairs are in expert hands. For those in North Carolina, "Masters Tax Financial Planning" stands out as a reliable partner in navigating the complexities of financial management and planning.

[edwardamfinancial]

It's Time to Expand Your Independent Financial Advice, Independent Financial Adviser Liverpool Options

If you are in Liverpool and seeking independent financial advice, it's time to explore your options and expand your horizons. One great option is to consider working with an independent financial adviser, such as Edward Asset Management.

Independent financial advisers provide unbiased, personalized financial advice that is tailored to your unique needs and goals. They can help you to navigate through the complex world of finance and investments, and provide you with the tools and knowledge you need to make informed decisions.

At Edward Asset Management, we understand that every client is different. That's why we take a customized approach to each of our clients' financial situations, taking the time to understand their unique needs, goals, and risk tolerance before making any recommendations.

Our team of experienced independent financial advisers is committed to providing our clients with the highest level of service and expertise. We are dedicated to helping our clients achieve their financial objectives, whether that means building a retirement nest egg, saving for their children's education, or creating a diversified investment portfolio.

As an independent financial adviser, we have access to a wide range of financial products and services, including investments, pensions, and insurance. We are not tied to any particular financial institution, which means that we can provide unbiased advice that is tailored to our clients' needs and goals.

Working with an independent financial adviser like Edward Asset Management can provide you with peace of mind and financial security. Our team of experts will work with you every step of the way to ensure that you are making informed financial decisions that are aligned with your goals and risk tolerance.

In conclusion, if you are seeking independent financial advice in Liverpool, it's time to explore your options and expand your horizons. Consider working with an independent financial adviser like Edward Asset Management to receive unbiased, personalized financial advice that is tailored to your unique needs and goals. Contact us today to learn more about our services and how we can help you achieve your financial objectives.

[ifa-jobs-ifa-careers-ifajobs]

Hi everybody, Yes, this is perhaps the one you've been waiting for. We have placed advisors with this firm since I started Prestige IFA Jobs a few years back, so we have a great working relationship and a proven track record with these guys. Yes ,they are picky, but do your part and you will reap the rewards. Read more below: ⤵️⤵️⤵️ #LinkedIn #Jobs #careers #Dubai #UAE #AbuDhabi #WealthManagement #IFA #financialplanning #financialadvisors #pensions #retirement #USA #UK #Australia #Thailand #China

[fingurus]

Best Accounting Services In Bangalore

[pirunika]

make killing dragan a diamond option

[aro-culture-is]

Aro culture is:

“You’ll get a crush someday!”

Five years later, seventeen years old, no crush and forced into a toxic relationship because your mom is toxic

I'm sorry that that has happened to you. To you, and anyone else in these situations:

You know yourself. Even if your current aromanticism is a phase, that doesn't mean people should be invalidating your current feelings and intentions. You deserve to be listened to and respected.

As much as is possible, establish boundaries in your relationships. I will always advocate that a boundary is not "Do not do this", a healthy boundary looks more like "If you do this, I will respond like this." For example, in toxic relationships, there is often an expectation that you will drop everything for the other. It may be useful to say "If I tell you I cannot hang out right now and you insist I should regardless, I will silence notifications from you for an hour." If they disrespect your boundary, enforce your reaction. If they tell you this is extreme, unreasonable, anything of that nature - remind yourself: I am respecting my time. Even if I would like to be hanging out, I cannot, and being pressured to find excuses or being shamed for circumstances I cannot change in this moment is unreasonable and harming me.

Things will get better, and that is a promise. I know at 17 I wanted to reach through the screen and strangle anyone that told me that - but seriously. My life at 23 isn't perfect at all - but I am in control of it. You will get there.

[gothicada]

ᴋɴɪɢʜᴛ ᴏꜰ ᴘᴇɴᴛᴀᴄʟᴇꜱ

ᴍᴇᴀɴɪɴɢ ʀᴏᴍᴀɴᴄᴇ ᴄᴀʀᴇᴇʀ/ꜱᴄʜᴏᴏʟ ꜰᴜᴛᴜʀᴇ ꜰɪɴᴀɴᴄᴇ ʜᴏᴡ ꜱᴏᴍᴇᴏɴᴇ ꜰᴇᴇʟꜱ ᴀʙᴏᴜᴛ ʏᴏᴜ ʜᴏᴡ ꜱᴏᴍᴇᴏɴᴇ ᴡᴏᴜʟᴅ ᴛʀᴇᴀᴛ ʏᴏᴜ ʜᴏᴡ ꜱᴏᴍᴇᴏɴᴇ ᴘᴇʀᴄᴇɪᴠᴇꜱ ʏᴏᴜ ᴛʜᴇ ᴄᴀʀᴅ ᴀꜱ ᴀ ᴘᴇʀꜱᴏɴ ꜱᴇx

⟶ ᴋɴɪɢʜᴛ ᴏꜰ ᴘᴇɴᴛᴀᴄʟᴇꜱ ᴜᴘʀɪɢʜᴛ

ʚїɞ ᴍᴇᴀɴɪɴɢ ⟶ is about being responsible and doing daily tasks. the knight of pentacles is about having the patience to complete projects and being trustworthy and reliable. having to understand you cannot be perfect. though this card also means being observant and tactful, thinks of the future a lot and is always planning something.

ʚїɞ ʀᴏᴍᴀɴᴄᴇ ⟶ for a romance reading, could speaks of the connection but loyal, steady and secure. both people putting work into the relationships and trusting each other. getting the person you want as the knight of pentacles is about working to get your wishes to become true. could be protective over each other and mature.

ʚїɞ ᴄᴀʀᴇᴇʀ/ꜱᴄʜᴏᴏʟ ⟶ could speak about getting good grades in school, or a project going well for you. could speak about being steady in the project you're doing and if you're in a group, you'll find each person being reliable and responsible. work place could indicate that you could profit from it.

ʚїɞ ꜰᴜᴛᴜʀᴇ ⟶ knight of pentacles upright in a future reading could mean progress in something could be made, and could speak about having to be patient. could mean try and look for a job if you dont have an occupation, and it could mean if you're manifesting or praying for something, it could be becoming true soon.

ʚїɞ ꜰɪɴᴀɴᴄᴇ ⟶ in a finance reading, the knight of pentacles upright speaks of having a steady finance situation, could advise you to go on a budget, and once again look for a job. be safe and frugal with the way you spend on things.

ʚїɞ ʜᴏᴡ ꜱᴏᴍᴇᴏɴᴇ ꜰᴇᴇʟꜱ ᴀʙᴏᴜᴛ ʏᴏᴜ ⟶ knight of pentacles shows that they could feel loyal towards you, it could mean their feelings about you grew slowly, but this shows that they could feel stubborn about you, like their feelings would be like a rock, it wont change. they feel very deep towards you, but there could also be a feeling of being hesitant.

ʚїɞ ʜᴏᴡ ꜱᴏᴍᴇᴏɴᴇ ᴡᴏᴜʟᴅ ᴛʀᴇᴀᴛ ʏᴏᴜ ⟶ in upright, could mean they would treat you with loyalty, would be soft with how they would treat you, but a bit more rough compared to the knight of cups. they would be persistent towards you, and would be the type of person to help you achieve your dreams.

ʚїɞ ʜᴏᴡ ꜱᴏᴍᴇᴏɴᴇ ᴘᴇʀᴄᴇɪᴠᴇꜱ ʏᴏᴜ ⟶ they think of you as someone who is hard-working and tactful. could think of you as someone they could be together with romantically or platonically for the long run. they would think of you to be someone who is patient and reliable. they would respect you. they would think of you to be someone who is very hard-working.

ʚїɞ ᴛʜᴇ ᴄᴀʀᴅ ᴀꜱ ᴀ ᴘᴇʀꜱᴏɴ ⟶ as a person, the knight of pentacles upright is someone who is ambitious and a go-getter. its the slowest moving card here, but they're someone who is patient, but sometimes it could mean they might miss out on opportunities because they could think the world runs on their time. as a person, they're someone who always thinks before they do something, they are very reliable though.

ʚїɞ ꜱᴇx ⟶ definitely slow and sensual sex. the person would know what they're doing, and they would work towards the orgasm. this could also mean you could be fucking the person you wished to have sex with, but think realistic. the person could be thick and girthy if man, could even have a trail. if woman, they could be clean and some hair, tight as well.

⟶ ᴋɴɪɢʜᴛ ᴏꜰ ᴘᴇɴᴛᴀᴄʟᴇꜱ ʀᴇᴠᴇʀꜱᴇᴅ

ʚїɞ ʀᴇᴠᴇʀꜱᴀʟ ᴍᴇᴀɴɪɴɢ ⟶ in reverse, the knight of pentacles is about being stuck, someone or something being boring. could mean about someone being extreme or a workaholic, could be about treating others poorly, being obsessed with money, someone who is irresponsible and could be very shallow.

ʚїɞ ʀᴇᴠᴇʀꜱᴀʟ ʀᴏᴍᴀɴᴄᴇ ⟶ not a good card to get in reverse, could mean someone could be over-domineering, or the spark between the two of you going out. could be about someone neglecting the connection the two of you, someone could be rejected, could also advise you to make change within the relationship.

ʚїɞ ʀᴇᴠᴇʀꜱᴀʟ ᴄᴀʀᴇᴇʀ/ꜱᴄʜᴏᴏʟ ⟶ could mean you could be rejected from the job or the school/university you want to apply to. could also mean not doing the project you were giving, or if a group project, someone might not be responsible. could be about someone not giving you the help they were supposed to give you. could mean you could be over-working yourself. not talking to friends or family because of how obsessed you could be with work.

ʚїɞ ʀᴇᴠᴇʀꜱᴀʟ ꜰᴜᴛᴜʀᴇ ⟶ could be about being stuck in a circumstance. or could be over-thinking something that could be coming to you. this could also mean that you should slow down if you're asking for advice. could be frustrated about results you're looking for. take a step back and asses your situation. repetitive cycles, try something new.

ʚїɞ ʀᴇᴠᴇʀꜱᴀʟ ꜰɪɴᴀɴᴄᴇ ⟶ in downright, could be about being impulsive with your money. making risky purchases, finding out later what you bought wasnt worth the price. do you research before you buy something.

ʚїɞ ʀᴇᴠᴇʀꜱᴀʟ ʜᴏᴡ ꜱᴏᴍᴇᴏɴᴇ ꜰᴇᴇʟꜱ ᴀʙᴏᴜᴛ ʏᴏᴜ ⟶ immature feelings. could be impatient or bored about you, it depends what other cards you get. could feel lazy to reach out to you, and might've liked you before but doesnt care about you anymore, sorry.

ʚїɞ ʀᴇᴠᴇʀꜱᴀʟ ʜᴏᴡ ꜱᴏᴍᴇᴏɴᴇ ᴡᴏᴜʟᴅ ᴛʀᴇᴀᴛ ʏᴏᴜ ⟶ very irresponsible with how they will treat you, will be someone who will break promises, never do what the two of you are meant to do together. could be obsessed with you depending what other cards come out. could also mean could be obsessed with the materialistic things you bring to the table. would be disloyal, doesnt know how to treat a lover.

ʚїɞ ʀᴇᴠᴇʀꜱᴀʟ ʜᴏᴡ ꜱᴏᴍᴇᴏɴᴇ ᴘᴇʀᴄᴇɪᴠᴇꜱ ʏᴏᴜ ⟶ they could perceive you to be someone who is unreliable. someone other people cannot depend on. would think of you to be someone who is unskilled and has nothing to your name. could think of you as someone who likes to be alone, someone who is desperate as well.

ʚїɞ ʀᴇᴠᴇʀꜱᴀʟ ᴛʜᴇ ᴄᴀʀᴅ ᴀꜱ ᴀ ᴘᴇʀꜱᴏɴ ⟶ as a person, the knight of pentacles in reverse is someone you wouldnt want to be around. they're unbearable, a try hard and could be very shallow. the type to betray someone for less than £10. they could be a loser, someone who lies a lot as well. but depending what other cards there are, could also mean they're a workaholic.

ʚїɞ ʀᴇᴠᴇʀꜱᴀʟ ꜱᴇx ⟶ definitely not good sex. rushed job. if there are good cards around, could mean it could be a quickie. aside from that, i dont see anything good. the sex could be boring and you might not even like it.

ʚїɞ ɴᴇxᴛ ⟶ Qᴜᴇᴇɴ ᴏꜰ ᴘᴇɴᴛᴀᴄʟᴇꜱ

ʚїɞ ʙᴇꜰᴏʀᴇ ⟶ ᴘᴀɢᴇ ᴏꜰ ᴘᴇɴᴛᴀᴄʟᴇꜱ

ꜱᴜɪᴛ ᴏꜰ ᴘᴇɴᴛᴀᴄʟᴇꜱ ᴍᴀꜱᴛᴇʀʟɪꜱᴛ

ɢᴏᴛʜɪᴄᴀᴅᴀ'ꜱ ᴍᴀꜱᴛᴇʀʟɪꜱᴛ

[sapphirepolexia]

the fact that i’ve been working at the same company for almost 7 years and i still can’t afford to live comfortably pretty much anywhere on my own is really fucking sad. i couldn’t even afford a studio apartment anywhere in my home county if i wanted to, definitely not on the 30% or even 50% rule, if i stretched it

[dontmeantobepoliticalbut]

The Biden administration announced a rule Tuesday to cap all credit card late fees, the latest effort in the White House push to end what it has called junk fees and a move that regulators say will save Americans up to $10 billion a year.

The Consumer Financial Protection Bureau’s new regulations will set a ceiling of $8 for most credit card late fees or require banks to show why they should charge more than $8 for such a fee.

The rule would bring the average credit card late fee down from $32. The bureau estimates banks brought in roughly $14 billion in credit card late fees a year.

“In credit cards, like so many corners of the economy today, consumers are beset by junk fees and forced to navigate a market dominated by relatively few, powerful players who control the market,” said Rohit Chopra, director of the bureau, in a statement.

President Joe Biden planned to highlight the proposal along with other efforts to reduce costs to Americans at a meeting of his competition council on Tuesday. The Democratic president is forming a new strike force to crack down on illegal and unfair pricing on things like groceries, prescription drugs, health care, housing and financial services.

The strike force will be led by the Justice Department and the Federal Trade Commission, according to a White House statement.

The Biden administration has portrayed the White House Competition Council as a way to save people money and promote greater competition within the U.S. economy.

The White House Council of Economic Advisers produced an analysis indicating that the Biden administration’s efforts overall will eliminate $20 billion in annual junk fees. The analysis found that consumers pay about $90 billion a year in junk fees, including for concerts, apartment rentals and auto dealers.

The effort appears to have done little to help Biden politically ahead of this year’s presidential election. Just 34 percent of U.S. adults approve of Biden’s economic leadership, according to a new survey by The Associated Press-NORC Center for Public Affairs Research.

Sen. Tim Scott, R-South Carolina, criticized the CFPB cap on credit card late fees, saying that consumers would ultimately face greater costs through higher interest rates and less access to credit.

“It will decrease the availability of credit card products for those who need it most, raise rates for many borrowers who carry a balance but pay on time, and increase the likelihood of late payments across the board,” Scott said.

Americans held more than $1.05 trillion on their credit cards in the third quarter of 2023, a record, and a figure certain to grow once the fourth-quarter data is released by the Federal Deposit Insurance Corp. next month. Those balances are now carrying interest on them, which is the highest it has been since the Federal Reserve started tracking the data back in the mid-1990s.

Further, more Americans are falling behind on their credit card debts as well. Delinquency rates at the major credit card issuers such as American Express, JPMorgan Chase, Citigroup, Capital One and Discover have been trending upward for several quarters. Some analysts have become concerned Americans, particularly poorer households hurt by inflation, might be taking on too much debt.

“Overall, the consumer is credit healthy. However, the reality is that there are starting to be some significant signs of stress,” said Silvio Tavares, president and CEO of VantageScore, one of the country’s two major credit scoring systems, in an interview last month.

The growth of the credit card industry is partly why Capital One announced it would buy Discover Financial last month for $35 billion. The two companies, which are two of the largest credit card issuers, are also two companies whose customers regularly carry a balance on their accounts.

This is not the first time policymakers have weighed in on credit card fees. Congress in 2010 passed the CARD Act, which banned credit card companies from charging excessive penalty fees and established clearer disclosures and consumer protections.

The Federal Reserve issued a rule in 2010 that capped the first credit card late fee at $25, and $35 for subsequent late payments, and tied that fee to inflation. The CFPB, which took over the regulation of the credit card industry from the Fed after it was established, is proposing going further than the Fed.

The bureau’s proposal is similar in structure to what the bureau announced in January when it proposed capping overdraft fees to as little as $3. In that proposed regulation, banks would be required to either accept the bureau’s benchmark or show regulators why they should charge more, a method that few bank industry executives expect to use.

Biden has made the elimination of junk fees one of the cornerstones of his administration’s economic agenda heading into the 2024 election. Fees that banks charge customers have been at the center of that campaign, and the White House directed government regulators last year to do whatever is in their power to further curtail the practice.

In another move being highlighted by the White House, the Agriculture Department said it has finalized a rule to stop what it deems to be deceptive contracts by meat processors and to ban retaliation against small farmers and ranchers that work together in associations.

[edwardamfinancial]

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[zahroreadsthings]

Study session...

Question: Do you go?

Response: Yeah. Time to learn about geography too, I guess.

In the end there's no point in staying - the only prize for winning this competition was clout. You both take up Sol on his offer, Dessa more enthusiastically than you.

It's easy enough to lead the way to the library but you fumble when it's time to find books on weather - you've only used Deema's before.

Sol pats you on the shoulder sympathetically and goes to speak with a librarian while you and Dessa find a table.

'You have a real talent for poking holes in solutions, Dessa,' he says when he returns, a small stack of books in his arms. He doesn't sound the least bit annoyed.

'I have to! Almost everything's written for you coastal folk. I make so many notes in my books I basically wrote them. You coastal folks have it easy.' She giggles behind her hand at Sol's surprise. 'It's true! I don't have the sea to moderate temperature.'

That hadn't occurred to you; you've lived by the sea all your life. You jot that down in your notebook.

'And altitude,' Sol says. 'Air gets thinner and colder the higher you go.'

'And if there's, say, valleys where cold air pools,' Dessa continues.

Sol nods along as he flips through a book. 'Rain shadow, valleys, basins... all things you look out for where you are?'

She nods confirmation.

They carry on while you flip through the book in front of you. It has more detail than you think you'll ever need, but you diligently take notes regardless. Who knows what you might need to know when finding Deema's samples?

An hour passes and the library closes. Your notebook is full of notes to go over... but you think you can also get your mittens finished tonight.

[willowcrowned]

Hi sorry for politics question but why is libertarianism considered bad? Like I thought it was about equality and sharing power in opposition to hierarchical authoritarianism but based on how you talk about it I’m likely super wrong about it?? Ty!!

I assume you're talking about this post.

Disclaimer: I don’t have a lot of experience with political theory or political history, so I can’t explain how libertarianism got from what it originated as to the modern American party that calls itself the Libertarian Party.

What I can tell you is that libertarianism as it’s used in modern America refers to the party with a right-aligned libertarian philosophy that prizes free-market capitalism. A lot of libertarians tend to refer to themselves “socially liberal” but “fiscally conservative,” which is to say that they don’t think governments should regulate industry but are generally pro-gay rights and pro-legalizing weed and other drugs.

There is, of course, a distinction between the libertarian party and people who identify as libertarian but aren’t a part of the party for various reasons, and left-aligned libertarians certainly do still exist in America. (Extremist right-aligned libertarians also exist—many constitutional militias are composed of extremist right-aligned libertarians.) But “libertarian” as it’s used in the American common discourse (and as I used it) still tends to refer to supporters of the Libertarian Party.

tldr; Kalvaxus thinks that taxation is theft and he should be allowed to burn towns get money without the government trying to stop him, but also thinks that being gay is fine, probably.