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Hello you two.

Special:Random/User hello again

stop This is not your last warning. Don't do it again, and you won't be sleeping with the fishes! This user has just popped out for a minute, and will be back in half-an-hour.

stop Do not stop. This is not your final warning. If you do stop, you will not be awarded a barnstar. If you keep editing Wikipedia, you will be overflowing in barnstars. Good luck with that.

-- —Preceding unsigned comment added by 68.185.205.51 (talk) 04:20, 23 February 2008 (UTC)

articles

I think we must have broken a record today. Article count jumped from 2,228,000 mid last night to 2,232,200 and counting today! That's over twice the daily average ♦Blofeld of SPECTRE♦ $1,000,000? 21:39, 16 February 2008 (UTC)

Yes unfortunately the more attractive one was deleted in the commons and I had to replace it with a more suitably evil looking one with one brown eye and one blue. "Mrs Bigglesworth" happens to belong to one of the wiki admins Fayssel. ♦Blofeld of SPECTRE♦ $1,000,000? 22:13, 16 February 2008 (UTC)

Ah lol thanks for filling out Châteauneuf-Villevieille earlier. I wasn't aware you had edited it. If we could get them all up to that mininum it will be a task well done I think. You like Yo Yo Ma by any chance? ♦Blofeld of SPECTRE♦ $1,000,000? 22:16, 16 February 2008 (UTC)

Yeah I saw. I think he's a fantastic musician. Its such a great instrument the cello. Are you male or female?. I assumed you were a guy, was I wrong?. ♦Blofeld of SPECTRE♦ $1,000,000? 22:19, 16 February 2008 (UTC)

Ah I see. Yes of course I'm a guy. I just thought oh perhaps I was wrong and it was a chick. I was hoping it was a Nadia Bjorlin or a Haifa type. Pretty hot huh? Nadia's eyes are brighter than Mr Bigglesworth's lol. Swedish-Iranian is aesthetically a damn good mix isn't it!!! Anyway thanks for helping with the tagging. Things get done a lot better around here when people work together rather than continuously at each other's throats which all too often seems to happen at wiki councils (which I avoid like the plague). Saludos! ♦Blofeld of SPECTRE♦ $1,000,000? 22:33, 16 February 2008 (UTC)


Lol. There's something evil about one eye being a different colour . Be warned of that evil greasy mofo Christopher Walken. Adios ♦Blofeld of SPECTRE♦ $1,000,000? 22:40, 16 February 2008 (UTC)

OK thanks I thought I;d give it one more shot today I ran out of steam earlier! perhaps you could add class=stub . Cheers ♦Blofeld of SPECTRE♦ $1,000,000? 23:38, 17 February 2008 (UTC)

Communes of the Lot department is the list. I made the template at the foot of the page which connect all the department pages together -36,000 in total. Your're welcome to help us get them started! ♦Blofeld of SPECTRE♦ $1,000,000? 23:48, 17 February 2008 (UTC)

Nono. Don't worry about it, we need to interwiki links to retreive the infoboxes later ♦Blofeld of SPECTRE♦ $1,000,000? 23:54, 17 February 2008 (UTC)

Thanks for the barny!!! Cheers. If you could help tagging the pages this is a great help. Regards ♦Blofeld of SPECTRE♦ $1,000,000? 00:11, 18 February 2008 (UTC)

Mark R. Gagnon, CFP

He's working so fast he may not have had time to read the warnings yet. I'm prepared to keep watching that page. I have given him several warnings. Next time it appears he gets a final warning. You know what happens next :-) Gwernol 22:25, 16 February 2008 (UTC)

Wikiproject Boston Celtics - :)

Thanks for making the new userbox for Wikiproject Boston Celtics. You may have to update one more userbox because:

The Random Acts of Kindness Barnstar
For making a new userbox for Wikiproject Boston Celtics, without being asked, I - Milk's Favorite Cookie hereby award you the Random Acts of Kindness Barnstar. Thanks again! - Milk's Favorite Cookie 22:28, 16 February 2008 (UTC)
You're welcome. Good job. (That was the userbox I said you will have to update above). - Milk's Favorite Cookie 22:32, 16 February 2008 (UTC)

ZDog21

Thanks for the heads-up on that one. Now indef blocked. Gwernol 22:28, 16 February 2008 (UTC)

Reply

Thanx! No I don't have a guestbook. HPJoker Leave me a message 00:31, 17 February 2008 (UTC)

Chetblong's Reply

Hello, Basketball110. You have new messages at Chetblong's talk page.
You can remove this notice at any time by removing the {{Talkback}} or {{Tb}} template.

Reply #2

Hello, Basketball110. You have new messages at Chetblong's talk page.
You can remove this notice at any time by removing the {{Talkback}} or {{Tb}} template.

Re:

Midorihana~iidesune? has smiled at you! Smiles promote WikiLove and hopefully this one has made your day better. Spread the WikiLove by smiling at someone else, whether it be someone you have had disagreements with in the past or a good friend. Cheers, and Happy editing!
Smile at others by adding {{subst:Smile}} to their talk page with a friendly message.

Thanks for the congrats :) I'm glad that someone was able to explain all those policies and guidelines to me. Best of luck and happy editing, Midorihana~iidesune? 04:06, 17 February 2008 (UTC)

RFA Card

Found it!

I found you're ***** page! --ChetblongT C 03:45, 18 February 2008 (UTC)

I don't want to give you the link as that will show up in this page's history, so I signed the ***** page. And as for how I found it well I cheated but I'm not gonna show you how till you find mine. :)--ChetblongT C 05:11, 18 February 2008 (UTC)

Barnstar

Hey, I appreciate the offer . . . but no, I really can't accept. Thanks for the thought, though! — Myasuda (talk) 03:54, 18 February 2008 (UTC)

Reply

Hello, Basketball110. You have new messages at Chetblong's talk page.
You can remove this notice at any time by removing the {{Talkback}} or {{Tb}} template.

Reply#3

Hello, Basketball110. You have new messages at Chetblong's talk page.
You can remove this notice at any time by removing the {{Talkback}} or {{Tb}} template.

Images in userboxen

The reason we aren't allowed to use fair use images in userboxen is because they are copyright images and only usable for appropriate purposes such as in the article namespace. xenocidic (talk) 06:38, 18 February 2008 (UTC)

Reply #4

Hello, Basketball110. You have new messages at Chetblong's talk page.
You can remove this notice at any time by removing the {{Talkback}} or {{Tb}} template.

I added a possible logo to the top of your userpage, tell me what you think! --ChetblongT C 17:22, 18 February 2008 (UTC)

Anything that you want really, just tell me and I'll make a new one. :) --ChetblongT C 21:28, 18 February 2008 (UTC)
I've changed the logo, just go to your userpage and press, CTRL SHIFT R, to see the changes. Tell me what you think and if you want it improved. --ChetblongT C 22:26, 18 February 2008 (UTC)

secret page

Hi, I found your secret page! --Nadir D Steinmetz 21:09, 18 February 2008 (UTC)

Where do you want me to tell you where I found it?--Nadir D Steinmetz 21:35, 18 February 2008 (UTC)

Thanks for the award. How about making it like this:

The Hidden Barnstar
This user has found Basketball110's secret hidden sub page! Can you find it?

--Nadir D Steinmetz 22:01, 18 February 2008 (UTC)

Reply #5

Hello, Basketball110. You have new messages at Chetblong's talk page.
You can remove this notice at any time by removing the {{Talkback}} or {{Tb}} template.

RE: Quote

I found it somewhere, can't remember where... I think it just applies well to Wikipedia. Anyway, what's up? Need any help? Master of Puppets Call me MoP!☺ 23:07, 18 February 2008 (UTC)

Very nice logo! I like the text effects. Yes, -Midorihana- graduated... a sad moment. You'll be reaching that point soon ;) In terms of your user 'type', I'm not quite sure what you mean; do you mean "wikignome" and so forth? Cheers, Master of Puppets Call me MoP!☺ 23:29, 18 February 2008 (UTC)
Well, I've never really liked to peg users as just one type; while they may follow certain editing patterns, classifying people goes against the nature of an open-ended project like this. At least, that's what I think. Will it suffice to say that I think you're an excellent editor? :) Cheers, Master of Puppets Call me MoP!☺ 07:33, 19 February 2008 (UTC)

Re: Next Time....

Ah - that was the template I was looking for. Also reminds me to remove that notice from my user page! Many thanks Fritzpoll (talk) 23:21, 18 February 2008 (UTC)

Secret Page

I have just found your secret page. Thanks for making it! — ComputerGuy890100 01:57, 19 February 2008 (UTC)

Also, congrats on finding mine! Here is an award:



User:ComputerGuy890100/HiddenLinkAward — ComputerGuy890100 01:58, 19 February 2008 (UTC)

speedies

all villages are notable. If an articles gives the name, and says where it is, the rest can be filled in later & it does not count as no context. DGG (talk) 04:26, 19 February 2008 (UTC)

sorry, it's in relation to the speedy of Pungamarathupatti at [1] DGG (talk) 04:30, 19 February 2008 (UTC)

Re: Your comment in my guestbook

Hey, thanks for the offer. Which userbox are you talking about? In reality, I have a page with userboxes (User:Cuyler91093/Userboxes), and I think there is a template on there with a Wikipediholic test score, but I just can't transclude it on my page. There is simply no room on there. Contact me back, and I'd be happy to talk with you regarding this! Happy editing! — Cuyler91093 - Соитяівцтіоиѕ 05:14, 19 February 2008 (UTC)

Guest Book

Vandalism would be nice. THE KC (talk) 13:59, 19 February 2008 (UTC).

A very belated thank you

Thanks for the Valentine's Day message, and same to you. Sorry to take so long responding.  :-)--Doug.(talk • contribs) 14:07, 19 February 2008 (UTC)

Reply

Well, if you see this edit. I wouldn't really call that appropriate. - Milk's Favorite Cookie 00:19, 20 February 2008 (UTC)

Actually that was today. - Milk's Favorite Cookie 00:21, 20 February 2008 (UTC)
Well, I suppose that's your choice. But that would help your school :) - Milk's Favorite Cookie 00:24, 20 February 2008 (UTC)
Jason Kidd? Who for Who? No I didn't. - Milk's Favorite Cookie 00:25, 20 February 2008 (UTC)
Oh, I'm guessing you're a Mavericks fan? Back in 2005 and 2006, that was the team I always played with when playing NBA 2K6 or NBA 2K5 or NBA Live. I'm a huge Celtics fan. I've been to Dallas many times by the way. Usually because I have to go to Abilene, TX. Have you heard of that? - Milk's Favorite Cookie 00:31, 20 February 2008 (UTC)
Really? I've stayed at the Hampton Inn (once) over there. And you won't believe what page I came up to while reverting vandalism. - Milk's Favorite Cookie 00:38, 20 February 2008 (UTC)
The one on ___ Centre Place Drive. (Or I completely screwed that up with another hotel) - Milk's Favorite Cookie 00:41, 20 February 2008 (UTC)
I think I messed up questions. When you asked 'Which one', I thought you meant which hotel. But now I see your probably meant which article. The article was Oreo. - Milk's Favorite Cookie 01:01, 20 February 2008 (UTC)
Not really. Why do you ask? - Milk's Favorite Cookie 02:15, 20 February 2008 (UTC)
Thanks for the smile! No my birthday is still about 4 months away. - Milk's Favorite Cookie 13:55, 20 February 2008 (UTC)

haha

You know, you are the first person who actually said anything about that! Hmmm. I should try to come up with a barnstar to give you for that...
In the mean time.......

J.delanoygabsadds has smiled at you! Smiles promote WikiLove and hopefully this one has made your day better. Spread the WikiLove by smiling at someone else, whether it be someone you have had disagreements with in the past or a good friend. Cheers, and Happy editing!
Smile at others by adding {{subst:Smile}} to their talk page with a friendly message.

Found one...

actually, "oreo" (you know who I mean...) did, but here you go.

The Barnstar of Good Humor
Awarded for being the first person to make fun of me as requested on my user page. Thanks for making me laugh. J.delanoygabsadds 00:48, 20 February 2008 (UTC)

Hello again

How has everything been going? Maximillion Pegasus (talk) 00:58, 20 February 2008 (UTC)

I have heard. Sad, though also happy. I have been fine, hit the 2000 edit mark. Your not too far away from 3000, if I am correct? Maximillion Pegasus (talk) 02:11, 20 February 2008 (UTC)
I mean 4000. Maximillion Pegasus (talk) 02:12, 20 February 2008 (UTC)
After, I am pretty sure. Maximillion Pegasus (talk) 02:13, 20 February 2008 (UTC)
Definitely. Would you adopt after you graduate? Maximillion Pegasus (talk) 02:18, 20 February 2008 (UTC)
I found your hidden page, looks like I am the forth. Maximillion Pegasus (talk) 02:24, 20 February 2008 (UTC)
Replied on secret page. Maximillion Pegasus (talk) 02:37, 20 February 2008 (UTC)
 Done Maximillion Pegasus (talk) 02:45, 20 February 2008 (UTC)

I have thought about it. I might end up doing it. Could you give me your thoughts on one of my proposals? Maximillion Pegasus (talk) 02:49, 20 February 2008 (UTC)

Users are auto confirmed after four days. Anyway what do you mean w/ administrators permission? Maximillion Pegasus (talk) 02:53, 20 February 2008 (UTC)
Oh, ok. Yes, your right. Sorry. I did not get what you asked before. Anyway, what are your thoughts? Maximillion Pegasus (talk) 02:56, 20 February 2008 (UTC)
Would you be interested in this (talk) Maximillion Pegasus (talk) 03:03, 20 February 2008 (UTC)
Not exactly sure, I could be User:Sarsaparilla, but I am not sure. Maximillion Pegasus (talk) 03:10, 20 February 2008 (UTC)
Yes, I would like to have the mop to help clean up more. Someday. Maximillion Pegasus (talk) 03:16, 20 February 2008 (UTC)
Thanks! User:The Placebo Effect has already graciously gave me administrator coaching. Would you like to have rollback, and be an administrator someday? Maximillion Pegasus (talk) 03:20, 20 February 2008 (UTC)
I would have to say fighting vandalism and correcting spelling mistakes to be my best contributions to Wikipedia. These can be seen in my contributions. Maximillion Pegasus (talk) 03:26, 20 February 2008 (UTC)

Really, which one? I guess I would try and talk it out and keep my cool. Fighting is pointless. Maximillion Pegasus (talk) 03:31, 20 February 2008 (UTC)

I did not either, until reading "he" somewhere. Maximillion Pegasus (talk) 03:38, 20 February 2008 (UTC)
I suppose he is doing fine. Though several times busier than before, no doubt. Maximillion Pegasus (talk) 03:44, 20 February 2008 (UTC)
To be honest, don't take this personally, I am not really in to Basketball. I would rather watch a soccer or tennis game. Maximillion Pegasus (talk) 03:49, 20 February 2008 (UTC)
Whats not supposed to happen? Maximillion Pegasus (talk) 03:56, 20 February 2008 (UTC)
I must have just came back to my computer when you fixed it, but I looked through the history and it did turn into a monster picture. If you wanted, you could just change the pixel size. Maximillion Pegasus (talk) 03:59, 20 February 2008 (UTC)
I have to go now. Talk sometime. Cheers. Maximillion Pegasus (talk) 04:00, 20 February 2008 (UTC)

The userbox

Thank you! I am going to put it in after I submit this message. Thanks! — Cuyler91093 - Соитяівцтіоиѕ 01:24, 20 February 2008 (UTC)

cphints1

It tells the importance. —Preceding unsigned comment added by Cphints1 (talk • contribs) 02:34, 20 February 2008 (UTC)

Thanks!

Thank you for you smile! :-) I was needing this today, because isn't in all days who We can give a smile, but because of persons like you, we can know which always have persons which can give us a smile and a special support in all moments; for more one time, Thanks..., and here is a barnstar for you, although you don't know, always have persons which see your good work in English Wikipedia, and they are here to tell this for you! (this barnstar you don't have!)

The Original Barnstar
For your great work in English Wikipedia, and for recognize the work of others, and because of this, I'm giving this barnstar for you, to you continue with you good Work here! --Brunoy Anastasiya Seryozhenko (talk) 23:03, 20 February 2008 (UTC)


P.S: your userpage is in my watched list now, so she's watched by me (and the others) agains vandal attacks, and I'll always know if someone was doing bad things to you userpage! :-) --Brunoy Anastasiya Seryozhenko (talk) 23:03, 20 February 2008 (UTC)

---

Sorry I am still new with navigating the website --- below is the article I would like to submit - however with regard to your policies I wanted to make sure this meets the guidelines listed.

Could you please provide any guidance. Thank you. Mark

00:13, 21 February 2008 (UTC)00:13, 21 February 2008 (UTC)~~

UNDER CONSTRUCTION Choosing a Certified Financial Planner by Mark R. Gagnon ,CFP®

There are 10 questions you will want to ask when selecting someone to help you navigate the maze called Financial Planning.

To state the obvious, choosing a planner will depend on what phase of your life you are currently in. If you are newly married with a child on the way, you will need to seek a planner that specializes in working with young families. If you have a need for college planning you will want a planner with this specialty. If you want to discuss retirement planning you will want to seek a planner with this specialty.

As you can see from this very brief description not all planners specialize in all areas of Financial Planning. Searching the internet or the phonebook is one way to find planners. The Financial Planning Association www.fpanet.org has a search tool to help narrow down which planners can help you. The Certified Financial Planner Board of Standards can provides a search tool to list all Certified Financial Planners in your area. When you do narrow down your search to a few candidates to interview bring along the following questions.

Contents [hide] 1 10 Questions to ask when choosing a Certified Financial Planner™. 2 Earning the Certified Financial Planner™ Designation 3 Education requirements 4 Work experience 5 Ethics and Continuing Education 6 What to expect when meeting with a Certified Financial Planner™


[edit] 10 Questions to ask when choosing a Certified Financial Planner™. 1. What experience do you have? Find out how long the planner has been in practice and the number and types of companies with which she has been associated. Ask the planner to briefly describe her work experience and how it relates to her current practice. Choose a financial planner who has experience counseling individuals on their financial needs.

2. What are your qualifications? The term "financial planner" is used by many financial professionals. Ask the planner what qualifies him to offer financial planning advice and whether he is recognized as a CERTIFIED FINANCIAL PLANNER™ professional or CFP® practitioner, a Certified Public Accountant/ Personal Financial Specialist (CPA/PFS), or a Chartered Financial Consultant (ChFC). Look for a planner who has proven experience in financial planning topics such as insurance, tax planning, investments, estate planning or retirement planning. Determine what steps the planner takes to stay current with changes and developments in the financial planning field. If the planner holds a financial planning designation or certification, check on his background with CFP Board or other relevant professional organizations.

3. What services do you offer? The services a financial planner offers depend on a number of factors including credentials, licenses and areas of expertise. Generally, financial planners cannot sell insurance or securities products such as mutual funds or stocks without the proper licenses, or give investment advice unless registered with state or Federal authorities. Some planners offer financial planning advice on a range of topics but do not sell financial products. Others may provide advice only in specific areas such as estate planning or on tax matters.

4. What is your approach to financial planning? Ask the financial planner about the type of clients and financial situations she typically likes to work with. Some planners prefer to develop one plan by bringing together allof your financial goals. Others provide advice on specific areas, as needed. Make sure the planner's viewpoint on investing is not too cautious or overly aggressive for you. Some planners require you to have a certain net worth before offering services. Find out if the planner will carry out the financial recommendations developed for you or refer you to others who will do so.

5. Will you be the only person working with me? The financial planner may work with you himself or have others in the office assist him. You may want to meet everyone who will be working with you. If the planner works with professionals outside his own practice (such as attorneys, insurance agents or tax specialists) to develop or carry out financial planning recommendations, get a list of their names to check on their backgrounds.

6. How will I pay for your services? As part of your financial planning agreement, the financial planner should clearly tell you in writing how she will be paid for the services to be provided.

Planners can be paid in several ways:

A salary paid by the company for which the planner works. The planner's employer receives payment from you or others, either in fees or commissions, in order to pay the planner's salary.

Fees based on an hourly rate, a flat rate, or on a percentage of your assets and/or income.

Commissions paid by a third party from the products sold to you to carry out the financial planning recommendations. Commissions are usually a percentage of the amount you invest in a product.

A combination of fees and commissions whereby fees are charged for the amount of work done to develop financial planning recommendations and commissions are received from any products sold. In addition, some planners may offset some portion of the fees you pay if they receive commissions for carrying out their recommendations.

7. How much do you typically charge? While the amount you pay the planner will depend on your particular needs, the financial planner should be able to provide you with an estimate of possible costs based on the work to be performed. Such costs should include the planner's hourly rates or flat fees or the percentage he would receive as commission on products you may purchase as part of the financial planning recommendations.

8. Could anyone besides me benefit from your recommendations? Some business relationships or partnerships that a planner has could affect her professional judgment while working with you, inhibiting the planner from acting in your best interest. Ask the planner to provide you with a description of her conflicts of interest in writing. For example, financial planners who sell insurance policies, securities or mutual funds have a business relationship with the companies that provide these financial products. The planner may also have relationships or partnerships that should be disclosed to you, such as business she receives for referring you to an insurance agent, accountant or attorney for implementation of planning suggestions.

9. Have you ever been publicly disciplined for any unlawful or unethical actions in your professional career? Several government and professional regulatory organizations, such as the National Association of Securities Dealers (NASD), your state insurance and securities departments, and CFP Board keep records on the disciplinary history of financial planners and advisers. Ask what organizations the planner is regulated by and contact these groups to conduct a background check. (See listing at right.) All financial planners who have registered as investment advisers with the Securities and Exchange Commission or state securities agencies, or who are associated with a company that is registered as an investment adviser, must be able to provide you with a disclosure form called Form ADV Part II or the state equivalent of that form.

10. Can I have it in writing? Ask the planner to provide you with a written agreement that details the services that will be provided. Keep this document in your files for future reference.

Visit - http://www.pueblo.gsa.gov/cic_text/money/financial-planner/10questions.html 

      http://www.cfp.net



[edit] Earning the Certified Financial Planner™ Designation Let's start with a basic decription of a Certified Financial Planner and how the "marks" are earned. Below I have listed the criteria from the Certified Financial Planner Board of Standards

The Certified Financial Planner™ (CFP) designation is a certification mark for financial planners conferred by the Certified Financial Planner Board of Standards. To receive authorization to use the designation, the candidate must meet education, examination, experience and ethics requirements, and pay an ongoing certification fee.[1]



[edit] Education requirements To earn a CFP designation, candidates must meet several requirements -- the first of which is the "educational requirement." After March 2007, at minimum, a college education and bachelor's degree is required from an accredited U.S. college or university. [1] As a first step to the present CFP certification criteria, students must master[1] a list of 89 topics on integrated financial planning.[2] The topics cover major planning areas such as:



General principles of finance and financial planning Insurance planning Employee Benefits planning Investment and Securities planning State and Federal Income Tax planning Estate Tax, Gift Tax, and Transfer Tax planning Asset Protection planning Retirement planning Estate planning

To master "The Education Requirement," students are now required to have at least a bachelor's degree from a regionally accredited U.S. college or university plus additional course training in the above listed topic areas in order to meet the first requirement to sit for the 10 hour examination.[3] A few exceptions to the education requirement exist for a limited number of professionals, including licensed attorneys (i.e., juris doctorate holders who are duly licensed with their state bar association(s)), certified public accountants (CPAs), chartered financial analysts (CFA charterholders), and persons holding doctoral degrees in business, finance, accounting, or economics.

International degrees may be substituted for a U.S. degree if they receive equivalency from a third-party organization.


[edit] Work experience After passing the examination, the candidate must demonstrate to have exempt and extensive experience in the financial planning field. The CFP Board defines work experience as "the supervision, direct support, teaching or personal delivery of all or part of the personal financial planning process to a client"[4] and such experience must fall within one or more of the following six primary elements of financial planning:

Establishing and Defining the Client Relationship Gathering Client Data and Goals Analyzing and Evaluating the Client's Financial Status Developing and Presenting Financial Planning Recommendations and Alternatives Implementing the Financial Planning Recommendations Monitoring the Financial Planning Recommendations Even after the student passes the exam and meets one or more of the six primary elements of financial planning, he or she must also have completed the following:

Three years full-time or equivalent (2,000 hours per year) part-time experience in the financial planning field Be approved by the CFP Board during initial certification, which also involves an extensive background check -- including an ethics, character and criminal check.

[edit] Ethics and Continuing Education The final components are the ethics and continuing education requirements.[5] Students and certificants are required to adhere to the CFP Board Code of Ethics and Professional Responsibility and to the Financial Planning Practice Standards. The CFP Board has the right to enforce them through its Disciplinary Rules and Procedures.

To maintain certification, license holders are also required to complete certain continuing education requirements on an on-going basis in addition to paying a biannual licensing fee.



[edit] What to expect when meeting with a Certified Financial Planner™ Financial Planning Process

The Financial Planning Process consists of the following six steps:

1. Establishing and defining the client-planner relationship.

The financial planner should clearly explain or document the services to be provided to you and define both his and your responsibilities. The planner should explain fully how he will be paid and by whom. You and the planner should agree on how long the professional relationship should last and on how decisions will be made. This is also where the Fiduciary Capacity should be discussed.

2. Gathering client data, including goals.

The financial planner should ask for information about your financial situation. You and the planner should mutually define your personal and financial goals, understand your time frame for results and discuss, if relevant, how you feel about risk. The financial planner should gather all the necessary documents before giving you the advice you need.

This process is usually conducted over the course of two or more meetings.

3. Analyzing and evaluating your financial status.

The financial planner should analyze your information to assess your current situation and determine what you must do to meet your goals. Depending on what services you have asked for, this could include analyzing your assets, liabilities and cash flow, current insurance coverage, investments or tax strategies.

4. Developing and presenting financial planning recommendations and/or alternatives.

The financial planner should offer financial planning recommendations that address your goals, based on the information you provide. The planner should go over the recommendations with you to help you understand them so that you can make informed decisions. The planner should also listen to your concerns and revise the recommendations as appropriate.

5. Implementing the financial planning recommendations.

You and the planner should agree on how the recommendations will be carried out. The planner may carry out the recommendations or serve as your "coach," coordinating the whole process with you and other professionals such as attorneys or stockbrokers.

6. Monitoring the financial planning recommendations.

You and the planner should agree on who will monitor your progress towards your goals. If the planner is in charge of the process, she should report to you periodically to review your situation and adjust the recommendations, if needed, as your life changes.

Retrieved from "http://wiki.riteme.site/wiki/User:Markg67"

Texas UBX

RE {{User from Texas}}: I like it! Thanks —Travistalk 00:45, 21 February 2008 (UTC)

Thanks for the simile

Thanks for the simile, it cheered me up. And here's one for you--Sunny910910 (talk|Contributions|Guest) 00:45, 21 February 2008 (UTC)

Sunny910910 has smiled at you! Smiles promote WikiLove and hopefully this one has made your day better. Spread the WikiLove by smiling at someone else, whether it be someone you have had disagreements with in the past or a good friend. Cheers, and Happy editing!
Smile at others by adding {{subst:Smile}} to their talk page with a friendly message.

Hey! Thanks for the smile. About the admin thing: I'm actually planning to run on March 15th. I already have a nominator, but I would really appreciate a co-nom (if possible) from you. Tell me what you think. Oh yeah... the thing I like best:

- Milk's Favorite Cookie has given you a cookie! Cookies promote WikiLove and hopefully this one has made your day better. Spread the WikiLove by giving someone else a cookie, whether it be someone you have had disagreements with in the past or a good friend. Happy munching!

Spread the goodness of cookies by adding {{subst:Cookie}} to their talk page with a friendly message.

Thanks! - Milk's Favorite Cookie 01:19, 21 February 2008 (UTC)
Just wondering, how did you get the title like that on your userpage? Can you make me one? I've always wanted one of those ever since I saw it on his talk page. - Milk's Favorite Cookie 01:22, 21 February 2008 (UTC)
Well until March 15th, you edit :). On March 15th, a look at an example. You pretty much write Co-Nomination by Basketball110 and below that, why you co-nominated me. - Milk's Favorite Cookie 01:25, 21 February 2008 (UTC)
I did. Here is the link. - Milk's Favorite Cookie 01:38, 21 February 2008 (UTC)

TyrusThomas4lyf

Unfortunately, TyrusThomas4lyf (talk · contribs · deleted contribs · page moves · block user · block log) and his various aliases have been around for almost a year now. In fact, he first started making edits under the tag IlliniPride (talk · contribs · deleted contribs · page moves · block user · block log) but ultimately got banned under the moniker TyrusThomas4lyf after the Wikipedia community (especially those working on NBA related articles) decided that enough was enough: see Wikipedia:Requests for comment/TyrusThomas4lyf. With any luck, you'll never have to cross paths with this user . . . but he has a way of coming back again and again and again . . . Sigh. — Myasuda (talk) 01:55, 21 February 2008 (UTC)

Smile

Thanks, here is one for you too. Maximillion Pegasus (talk) 02:16, 21 February 2008 (UTC)

Maximillion Pegasus (talk) has smiled at you! Smiles promote WikiLove and hopefully this one has made your day better. Spread the WikiLove by smiling at someone else, whether it be someone you have had disagreements with in the past or a good friend. Cheers, and Happy editing!
Smile at others by adding {{subst:Smile}} to their talk page with a friendly message.

No I haven't. I would like to. I live in West Virginia. So it was actually 11:00 when at my house last night when I left you that message. Maximillion Pegasus (talk) 02:22, 21 February 2008 (UTC)
Really! Who stole my name! Just kidding. Anyway, what states have you been in? Maximillion Pegasus (talk) 02:35, 21 February 2008 (UTC)
Virginia, Tennessee, North Carolina, South Carolina, Georgia, Ohio, and of course, West Virginia. This coming summer, I am planning to go to Arizona. Maximillion Pegasus (talk) 02:40, 21 February 2008 (UTC)
No. I really want to go to Canada and Japan. Maximillion Pegasus (talk) 02:46, 21 February 2008 (UTC)
Yes I know. Thats why I like him so much. Just kidding. Not about liking him. Anyway, which countries in Europe? Maximillion Pegasus (talk) 02:50, 21 February 2008 (UTC)
Really! Awesome. Maximillion Pegasus (talk) 03:02, 21 February 2008 (UTC)

I suppose so. I would love to go to England. Australia too. Maybe all of the British Commonwealth of Nations. Maximillion Pegasus (talk) 03:06, 21 February 2008 (UTC)

I too would love that. Though I most of all want to visit Alaska and Canada. Maximillion Pegasus (talk) 03:12, 21 February 2008 (UTC)
What is the favorite place you have been to? Maximillion Pegasus (talk) 03:23, 21 February 2008 (UTC)
Not to change the subject, but how did you get a user page not to display the title? Like your's does? Maximillion Pegasus (talk) 03:28, 21 February 2008 (UTC)
Who is the other? Maximillion Pegasus (talk) 03:57, 21 February 2008 (UTC)
No, when was it? Maximillion Pegasus (talk) 04:04, 21 February 2008 (UTC)
I am going to bed, night. Talk sometime. Cheers. Maximillion Pegasus (talk) 04:06, 21 February 2008 (UTC)

Thanks. Chetblong is good at designing those. Maximillion Pegasus (talk) 01:21, 22 February 2008 (UTC)

Thank you. Maximillion Pegasus (talk) 00:16, 23 February 2008 (UTC)
No, but I will when I get the time. Maximillion Pegasus (talk) 02:45, 23 February 2008 (UTC)

hi

hi lol. so whats up? ElisaEXPLOSiONtalk. 02:28, 21 February 2008 (UTC)

lol good point. how r u? ElisaEXPLOSiONtalk. 02:46, 21 February 2008 (UTC)
haha nice. im pretty good. cold tho. : ( ElisaEXPLOSiONtalk. 13:34, 21 February 2008 (UTC)

Logos

Hey thanks for referring everyone to me for logos. Now I feel famous! :) --ChetblongT C 04:34, 21 February 2008 (UTC)

Thanks! Now I feel like an artist as well. File:Blush.png :) ChetblongT C 04:42, 21 February 2008 (UTC)

In answer to your question

  1. Yes.
  2. It was a nickname I have on Yahoo! Groups and e-mail that I had with a "z" in place of the "s" in "Nose" that I picked up from an earle episode of Most Extreme Elimination Challenge from a contestant.

Niw you know better. NoseNuggets (talk) 1:20 AM US EST Feb 21 2008. —Preceding comment was added at 06:21, 21 February 2008 (UTC)

Re: Adoption

Sure, no problem. I'll be glad to help :) Midorihana~iidesune? 06:25, 21 February 2008 (UTC)

Uh oh, I hate it when I get "grounded". Thanks for the cookie, too. :) Midorihana~iidesune? 05:14, 22 February 2008 (UTC)

Thanks

Hello. Thanks for your kind words, and by the way, you are right, it is orange :). You're first one who said it to me. :) Cheers. -- Darwinek (talk) 10:05, 21 February 2008 (UTC)

Re: NBA

Yeah, he does do it well! Who got traded today? - Milk's Favorite Cookie 03:03, 22 February 2008 (UTC)

I saw it. Thanks for the link. Also, are you into football or baseball? - Milk's Favorite Cookie 03:07, 22 February 2008 (UTC)
Sounds good. I love football, and baseball. What's you favorite baseball team. (Red Sox for baseball, Pats for football). - Milk's Favorite Cookie 03:12, 22 February 2008 (UTC)
Have to agree with that. How do you think I felt when the Pats lost against the Giants? - Milk's Favorite Cookie 03:16, 22 February 2008 (UTC)
I just joined. - Milk's Favorite Cookie 14:50, 22 February 2008 (UTC)

Thanks!

Thank you for the barnstar. ChetblongT C 03:03, 22 February 2008 (UTC)

Re:Collaboration

Sure, sounds good to me. Have you asked Milk's Favorite Cookie?   jj137 (talk) 03:07, 22 February 2008 (UTC)

Should we just set it up at Wikipedia:WikiProject Boston Celtics/Collaboration?   jj137 (talk) 03:18, 22 February 2008 (UTC)
OK, do you want to go ahead and do it or should I get started (or is MFC doing it)?  jj137 (talk) 03:21, 22 February 2008 (UTC)
OK, apparently we're not doing it.   jj137 (talk) 14:19, 22 February 2008 (UTC)
Oh - I guess we are. When you said Oreo isn't doing it I thought he meant no one is doing it. I'll go ahead and set it up, if that sounds OK.   jj137 (talk) 00:30, 23 February 2008 (UTC)

Stop

What are you talking about? ♦Blofeld of SPECTRE♦ $1,000,000? 11:30, 22 February 2008 (UTC)

Ah. OK. lol ♦Blofeld of SPECTRE♦ $1,000,000? 23:21, 22 February 2008 (UTC)

RE: Smile

Thanks for the smile! I don't know what I got, but it was pretty nasty, heh. Knocked me out for a good two days. The sprained ankle wasn't even the worst of it. Hmm, now, about the IP thing; I'm guessing that your IP is shared or dynamic, as that seems to be the case; when an IP is shared, it can be used by multiple people. Dynamic IPs switch routers every so often (sometimes daily), so it is possible that you stumbled upon a vandal IP. Cheers, Master of Puppets Call me MoP!☺ 17:00, 22 February 2008 (UTC)

Back then we didn't have the adoption system. :) I did have a few editors who helped me learn the tricks, of course. Ah, good old days... Master of Puppets Call me MoP!☺ 23:26, 22 February 2008 (UTC)

FACs

I have seen some of your comments at FACs lately, and I request that you familiarize yourself with the FA criteria. A few examples to elaborate my point:

  • You nominated George Washington for FA status; users familiar with this process can clearly determine that the article just isn't ready yet, as highlighted by the opposes at the FAC.
  • At Wikipedia:Featured article candidates/Peyton Manning/archive1, you supported the article based on quality of prose and references. This is a reasonable support. The problem is that everyone after you (besides HoosierState) mentioned that the article's prose was way too choppy and hard to understand (which means, it doesn't meant FA criterion 1a).
  • You supported Wikipedia:Featured article candidates/Liviu Librescu because it was well cited. I'm not sure if you noticed, but there were other major issues (for example, comprehensiveness) that the article still needed to address.

These are just some things I saw along the way in the last few weeks. I hope that you will read WP:FACR and offer more thorough comments in the future at FAC. Thanks, Nishkid64 (talk) 01:04, 23 February 2008 (UTC)

Patrol

I responded on my talk page. —Noah 03:24, 23 February 2008 (UTC)

Reply

I am sometimes. Maximillion Pegasus (talk) 03:42, 23 February 2008 (UTC)

Sure, they have over 15000 edits, if I am correct. A lot of vandal fighting, I believe. Maximillion Pegasus (talk) 04:03, 23 February 2008 (UTC)
Though part of me wants them to stay as they are, because they are unique in IP address users. Maximillion Pegasus (talk) 04:07, 23 February 2008 (UTC)
No, thats one of my reasons. Maximillion Pegasus (talk) 04:09, 23 February 2008 (UTC)

"edian" ?

That big about the minister was a little strange; I thought the lobbying restrictions were based on the country... 68.39.174.238 (talk) 04:13, 23 February 2008 (UTC)

Re: Avada Kedevra

Don't worry about it =) <3 bunny 04:26, 23 February 2008 (UTC)

Indeed. <3 bunny 04:28, 23 February 2008 (UTC)
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