Tag: Financial

Certified Financial Planner

What a Certified Financial Planner is and why choose to work with one

Your finances can’t manage themselves, but that doesn’t mean they won’t try. Bring all your finances together with the help of the one person who can — a CERTIFIED FINANCIAL PLANNER™ professional. CFP® – Let’s make a plan. CFP Board’s first large-scale Public Awareness Campaign to increase awareness of CFP® professionals includes this 30-second television advertisement broadcast on national television cable networks including CNN, ESPN, Fox News, HGTV, The History Channel, MSNBC and The Travel Channel. More information about the campaign is available at www.CFP.net

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Wiley Cpa Exam Review Financial

Wiley CPA Exam Review 2012, Financial Accounting and Reporting

Wiley CPA Exam Review 2012, Financial Accounting and Reporting

Everything today’s CPA candidates need to pass the CPA ExamPublished annually, this comprehensive four-volume paperback reviews all four parts of the CPA exam. Many of the questions are taken directly from previous CPA exams. With 3,800 multiple-choice questions, these study guides provide all the information candidates need to master in order to pass the computerized Uniform CPA Examination. Its unique modular format helps you zero in on those areas that need more attention and organize your st

List Price: $ 65.00

Price: $ 35.88

Wiley CPA Exam Review 2012, 4-Volume Set

Wiley CPA Exam Review 2012, 4-Volume Set

Everything today’s CPA candidates need to pass the CPA ExamPublished annually, this comprehensive four-volume paperback reviews all four parts of the CPA exam. Many of the questions are taken directly from previous CPA exams. With 3,800 multiple-choice questions, these study guides provide all the information candidates need to master in order to pass the computerized Uniform CPA Examination. Its unique modular format helps you zero in on those areas that need more attention and organize your st

List Price: $ 260.00

Price: $ 135.53

Wiley CPA Exam Review 2012 Test Bank 1 Year Access, Complete Exam

Wiley CPA Exam Review 2012 Test Bank 1 Year Access, Complete Exam

Get the ultimate online practice tool. The 2012 Test Bank provides everything today’s CPA candidates need to confidently pass the CPA Exam. With over 4,300 multiple choice and 164 simulation questions, the Online Test Bank is the most effective system available to prepare for the CPA exam — part of the #1 best selling suite of review products proven for over forty years. This year’s Test Bank has been enhanced with new “Pop Quiz” and bar-chart reporting features to provide even better progress

List Price: $ 299.00

Price: $ 196.99

Wiley CPA Examination Review, Problems and Solutions (Wiley Cpa Examination Review Vol 2: Problems and Solutions) (Volume 2)

Wiley CPA Examination Review, Problems and Solutions (Wiley Cpa Examination Review Vol 2: Problems and Solutions) (Volume 2)

Complete coverage of the new CBT-e format for the newly revised CPA ExamWith 2011 bringing the greatest changes to the CPA exam in both form and content, Wiley CPA Exam Review 38th Edition is completely revised for the new CBT-e CPA Exam format. Containing more than 2,700 multiple-choice questions and including complete information on the new Task Based Simulations, these books provide all the information needed to pass the uniform CPA examination. Covers the new addition of IFRS material into t

List Price: $ 59.95

Price: $ 36.46

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Nice Certified Financial Planner Photos

Check out these Certified Financial Planner images:

Chadwick — Magic Brain Calculator (It was built in Japan) …..item 3.. LCSO: Deputies Arrest Man for Stealing Scrap Metal — a total of 5,650 pounds of metal from the fenced lot owned by Grimes. (January 11, 2012) …
Certified Financial Planner

Image by marsmet552
The Magic Brain Calculator was a device used many years ago (mabye 1950′s) to solve maths problems. It requires you reset it to all zero’s to begin with and after a bit of practise you can solve many types of mathematical calculations. Clearing the device is just a matter of pulling the metal bar at the top of the machine and pushing it back in. Calculations of up to 8 digits can be performed such as addition, subtraction and multiplication. There are no details on if this device can divide although I am sure the brainy ones among you could work that out. The system works by using the stylus to drag the columns of numbers either up or down depending on the calculation you are performing. By doing this, and in the right order the numbers at the top will eventually give you the answer you need.

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…..item 1)…..The Magic Brain Calculator

www.irememberjfk.com/mt/2008/10/the_magic_brain_calculato...

Perhaps the name of the gadget featured in today’s I Remember JFK memory will ring a bell, perhaps not. But I’ll bet that one glance at the graphic will make you go "Oh, yeah!"

I wish I had my usual researched piece to offer you as far as where the Magic Brain Calculator came from, and its manufacturer, Chadwick. But there just wasn’t a whole lot I could find out. But what little I did glean, I hereby share with you.

A Boomer kid’s options for help in making mathematical calculations on the go in the 50′s and 60′s were pretty few. There were slide rules, which were only for the geeky. My oldest brother, who was in college, had one, but I had no idea how it operated.

Then there was the Addiator, manufactured by Addiator Gesellschaft in Berlin, beginning in 1920. They were sophisticated little hand-held mechanical calculators, but not terribly cheap, and once that nasty Nazi uprising took place, not freely available. But by the time WWII was over, they were back on the market, but still not real cheap.

But in the 1950′s, the Japanese factories began cranking out a low-priced version of the mechanical adding machine. Chadwick was the name of the enigmatic company that manufactured them, and they appear to have slid out of sight without leaving a trace behind.

But they did leave a legacy of thousands of Magic Brain Calculators. Durably made from high-impact plastic and aluminum, probably every one of them still exist in their original form, although many are now buried in landfills, awaiting future archaeological discovery.

The little calculators sold for a couple of bucks in dime stores, and were found in many a Boomer home in the 50′s and 60′s. For that matter, many are still buried in various present-day junk drawers, as they were virtually indestructible, and flat enough to live quietly buried by pens, pencils, and paper clips.

I know that we had one in our house. Seven-year-old I was baffled by its actual usage. Did I mention that math is NOT my strong suit? But that didn’t stop me from enjoying playing with the gizmo for hours nonetheless, inserting numerical values, running mysterious calculations, and pulling the wire handle up to clear everything.

If you too were stumped by how to make the Magic Brain Calculator do addition, subtraction, and even multiplication and division, this site has the original scanned instructions. Very cool!

The sheer indestructibleness of the Magic Brain Calculator, combined with its inobtrusive nature, ensures that many thousands still exist. At presstime, there were several on eBay with .95 opening bids, and one particularly nice model, with stylus intact, was going for .99 with just over a day left.

So if you Boomers still employed in an office want to impress the young punks you work with, pick up a Magic Brain Calculator from eBay, or possibly just dig your own out of the junk drawer. Read the linked instructions and practice making actual calculations, Then, at the next staff meeting, whip out a few figure faster than the youth can get their calculator-equipped cell phones to wake up!
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…..item 2)….. www.wctv.tv … Updated: 8:03 PM Sep 9, 2011 …

Budgeting Your Money

Certified financial planner Bruce Hagan talks about making a budget and sticking to it.
Posted: 6:31 PM Sep 9, 2011
Reporter: Angela Howard
Email Address: angela.howard@wctv.tv

www.wctv.tv/home/headlines/Budgeting_your_Money_129559738...

THE FOLLOWING IS AN INTERVIEW WITH CERTIFIED FINANCIAL PLANNER, BRUCE HAGAN:

REPORTER: We often hear of the need to create a written budget for our family finances. Exactly what is budgeting and why is it important?

BRUCE: Budgeting is the process of keeping up with where your money goes. It requires you to analyze your current situation, determine your goals, and develop a written plan against which you’ll measure your progress. It’s important because it helps you plan, track, and control the inflow and outflow of your income.

REPORTER: I would think almost everyone budgets to some extent, but do most people actually develop a written plan?

BRUCE: Some people are meticulous about it and others would rather walk through broken glass barefooted than have to take the time to formalize a written plan

REPORTER: Assuming we opt for the former, what are the steps?

BRUCE: The first two steps give you a snapshot of your present financial situation: First you gather all the data that makes up your financial history. Secondly, you use that information to do a cash flow analysis which is simply adding up all sources of income and subtracting all expenses. If you come up with a positive number you’re earning more than you’re spending. If it’s a negative number you need to make some changes to avoid losing more ground financially.

REPORTER: If it’s a positive cash flow is that the end of the process?

BRUCE: No because to the extent you can make cash flow more strongly positive, you’ll be able to save for upcoming needs and investments. Step 3 is to define your financial objectives. Step 4 is to create a spending plan to achieve them. Step 5 is to periodically monitor your progress against the plan and make adjustments as needed. And since life changes, you will need to make adjustments.

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Latest Comments

Posted by: dog Location: gone on Sep 10, 2011 at 10:12 AM

This is easy, money in , money out, where it goes, where you can cut. Save. Live with in your means.

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…..item 3)…. WCTV News … www.wctv.tv/floridanews … Updated: 10:54 AM Jan 11, 2012
LCSO: Deputies Arrest Man for Stealing Scrap Metal

On January 3, 2012, the Leon County Sheriff’s Office responded to 1351 Aenon Church Road, Leon Iron & Metal, after William Grimes discovered a large amount of scrap metal had been stolen from his property in the 4700 block of Capital Circle.

Posted: 10:54 AM Jan 11, 2012

www.wctv.tv/floridanews/headlines/137093703.html

January 11, 2012 -

On January 3, 2012, the Leon County Sheriff’s Office responded to 1351 Aenon Church Road, Leon Iron & Metal, after William Grimes discovered a large amount of scrap metal had been stolen from his property in the 4700 block of Capital Circle. Grimes had located uniquely shaped and sized pieces of metal, including metal brackets that he had custom made.

Deputies were able to determine that the metal had been sold on January 2, 2012 by 32 year old Jerimee Hatcher. By working closely with the staff at Leon Iron & Metal, detectives were able to confirm that Hatcher had stolen a total of 5,650 pounds of metal from the fenced lot owned by Grimes.

On January 10, 2012, detectives were able to locate Hatcher in the 3000 block of Tharpe Street and interview him. Hatcher was taken to the Leon County Jail.

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Chartered Financial Analyst

Chartered Financial Analyst
The Chartered Financial Analyst (CFA Exam) is a globally recognized exam. The number of students taking this exam is very high, but there are a few who succeed in it. Aspirants can prepare for this tough exam with study material available online and improve their chances of clearing the exam.

CFA exam is conducted by the CFA institute of USA. The exam tests the competency of the individual that will help to become a thorough professional. It is important to note that the students failing in the exam is also high, as the CFA exam is one of the toughest exams.

An extensive body of research: Are there any web sites, a huge amount of work as a model and a question. Students will have access to thousands of questions layout and simulation software, which will give them an almost “real” feel of this prestigious exam. This helps them to overcome anxiety, when she appeared in the real exam and make them comfortable when taking the test.

Self-assessment: the question of software and Web sites provided by the bank to help you understand and access performance. CFA candidates will have the opportunity to review and assess their effectiveness. This helps them to different objects in the strength and weakness of the curriculum CFA.

Exam candidates receive an unspecific score report as there is only a pass fail rating rather than score however the pass grade is stated at 70% but may differ and since 1989 the pass grade has been set by the Board of Governors after the exam has taken place when they review the results with help from psychometricians and each question has a minimum passing score set for it.

Candidates of the CFA exam usually take one exam only per year rather than all three at once. This process thus takes at least three years to complete. The level the exams are written at is postgraduate and aimed at financial professionals.

In order to begin study for the CFA program, a candidate must meet a minimum level of experience, education, and competency in the field. First, a candidate must have a Bachelor’s degree or U.S. equivalent, or meet a variety of work-related experience requirements. In other words, the candidate without a B.A. must have at least four years qualified experience in the field or a combination of education and experience that equals four years. Internships or part-time assignments do not count toward the experience levels.

In addition, each candidate must understand and adhere to very strict rules of Professional Conduct and Candidate Responsibility, and must re-certify to the rules of Professional Conduct on an annual basis. Although it is not stated as a requirement, a CFA candidate must understand enough English to study the program and take the exam in that language, as the program is not available in any other languages.

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Ready Set Retire Financial

Ready… Set… Retire!: Financial Strategies for the Rest of Your Life


Most investors spend too much time trying to outguess the market and not enough time thinking about their long-term financial futures. That’s why today’s retirees (and soon-to-be retirees) need strategies, not stock tips. Nationally recognized Certified Financial Planner®, radio talk-show personality, and author Raymond J. Lucia shows you little-known concepts that can fatten your savings and boost your standard of living in retirement.In an easy-to-understand and often humorous style, Lucia details how ideas such as nontraded real estate investment trusts, 72(t) elections, and equity-indexed annuities can give you, the investor, a leg up on the path to retiring in comfort and safety. Lucia brings his 30 years of experience to bear in revealing how and when to tap your retirement plans, ways to use your home as a source of retirement dollars, and how to lower taxes on appreciated company stock. He’ll also explain how investing in low-income housing tax credits can help you tax-wise even as you assist others.Filled with hands-on, in-depth insights and practical advice, this book will give you all the tools you need to win at the retirement game.

Price: $ 0.97
Sold by Barnes & Noble

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Financial Valuation Workbook Stepbystep

Financial Valuation Workbook: Step-by-Step Exercises and Tests to Help You Master Financial Valuation


Exploring valuation theory, the consensus view on application, and the tools to apply it Financial Valuation and accompanying workbook present a consensus view from twenty-five of the top valuations experts, showing the appropriate way to prepare and present business valuations with a strong emphasis on applications and models. A wealth of examples, checklists, and models helps the reader understand the material and design real valuation projects-a must-have reference for all valuation professionals. A special section includes hundreds of short, concise valuation tips for quick guidance, and the author also includes a set of best practices designed by top professionals. Wiley Finance series and its wide array of bestselling books for the knowledge, insights, and techniques that are essential to success in financial markets. As the pace of change in financial markets and instruments quickens, Wiley Finance continues to respond. With critically acclaimed books by leading thinkers on value investing, risk management, asset allocation, and many other critical subjects, the Wiley Finance series provides the financial community with information they want. Written to provide professionals and individuals with the most current thinking from the best minds in the industry, it is no wonder that the Wiley Finance series is the first and last stop for financial professionals looking to increase their financial expertise. About the Author:James R. Hitchner, CPA, ABV, ASA (Atlanta, GA), is with Phillips Hitchner and the Financial Consulting Group. He has coauthored over ten books, taught over 100 courses, and published over twenty-five articles in the valuation field. He isalso an inductee in the AICPA Business Valuation Hall of Fame. Financial Valuation: Applications and Models.

Price: $ 6.85
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Certified Financial Planner

Certified Financial Planner

What a Certified Financial Planner is and why choose to work with one

Your finances can’t manage themselves, but that doesn’t mean they won’t try. Bring all your finances together with the help of the one person who can — a CERTIFIED FINANCIAL PLANNER™ professional. CFP® – Let’s make a plan. CFP Board’s first large-scale Public Awareness Campaign to increase awareness of CFP® professionals includes this 30-second television advertisement broadcast on national television cable networks including CNN, ESPN, Fox News, HGTV, The History Channel, MSNBC and The Travel Channel. More information about the campaign is available at www.CFP.net
Video Rating: 4 / 5

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Ob10the Institute Of Financial Operations


Atlanta, GA (PRWEB) May 10, 2012

The third annual Accounts Receivable (AR) Survey from OB10 (http://www.ob10.com), the e-Invoicing network, and The Institute of Financial Operations, the globally recognized authority on best practices in financial operations, finds that more companies are accelerating their collections processes through e-Invoicing and are taking discounts for early payment. The survey gauges the views of accounts receivable and credit professionals in the areas of collections, invoicing, payment processes, and the economy.

The 147 participants included AR and credit professionals, CEOs, presidents, and CFOs from small businesses to Fortune 500 companies in North America and the UK. The results indicate that e-Invoicing continues to grow as a reliable invoice submission method, as 29% of respondents use it versus 26% last year. This is also the first year that respondents? use of e-Invoicing has surpassed that of EDI.

Regardless of the invoicing submission method used, 85% of respondents believe electronic invoicing expedites the collections process. Additionally, early pay discounts are growing as a cash-management option, with two-thirds indicating that they have accepted discount terms offered by their customers.

When asked about the results of their collections efforts, 50% were only ?somewhat satisfied,? suggesting that there is an opportunity to find and implement an ideal solution ? or combination of solutions ? to improve collections. More respondents said that they were calling late-paying customers to chase payment. This method has increased in popularity over the last three years from 55% in 2010 to 61% in 2012.

?While this year?s survey shows good growth for invoice automation, more can be done to streamline the procure-to-pay process,? said Luke McKeever, CEO for OB10. ?Increased adoption will improve organizations? satisfaction in their collection efforts and eliminate the need to call customers to chase late payments. We can then expect to see more organizations take advantage of early pay discounts.?

?This year?s AR survey shows how OB10 and The Institute of Financial Operations continue to have an acute understanding of what organizations find important in the procure-to-pay process,? said Jo E. LaBorde, Executive Director of The Institute of Financial Operations. ?We are equipped to monitor trends and offer solutions designed to help improve their financial operations.?

This year?s AR survey introduces the Invoice, Payment and Cash Flow (IPC) Barometer, which asks for respondents? opinions on how effective they are in invoicing, customer payment efficiency, and cash-flow management and generates an overall score. Organizations will soon be able to gauge their own IPC Barometer result on the OB10 website and learn how to improve it.

To read the full 2012 OB10-Institute of Financial Operations Accounts Receivable Survey, download the white paper from the OB10 website or The Institute of Financial Operations website.

The white paper can also be accessed here:

OB10: http://bit.ly/OB10arsurvey

The Institute of Financial Operations: http://bit.ly/IFOSurvey

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Ob10the Institute Of Financial Operations


Atlanta, GA (PRWEB) May 10, 2012

The third annual Accounts Receivable (AR) Survey from OB10 (http://www.ob10.com), the e-Invoicing network, and The Institute of Financial Operations, the globally recognized authority on best practices in financial operations, finds that more companies are accelerating their collections processes through e-Invoicing and are taking discounts for early payment. The survey gauges the views of accounts receivable and credit professionals in the areas of collections, invoicing, payment processes, and the economy.

The 147 participants included AR and credit professionals, CEOs, presidents, and CFOs from small businesses to Fortune 500 companies in North America and the UK. The results indicate that e-Invoicing continues to grow as a reliable invoice submission method, as 29% of respondents use it versus 26% last year. This is also the first year that respondents? use of e-Invoicing has surpassed that of EDI.

Regardless of the invoicing submission method used, 85% of respondents believe electronic invoicing expedites the collections process. Additionally, early pay discounts are growing as a cash-management option, with two-thirds indicating that they have accepted discount terms offered by their customers.

When asked about the results of their collections efforts, 50% were only ?somewhat satisfied,? suggesting that there is an opportunity to find and implement an ideal solution ? or combination of solutions ? to improve collections. More respondents said that they were calling late-paying customers to chase payment. This method has increased in popularity over the last three years from 55% in 2010 to 61% in 2012.

?While this year?s survey shows good growth for invoice automation, more can be done to streamline the procure-to-pay process,? said Luke McKeever, CEO for OB10. ?Increased adoption will improve organizations? satisfaction in their collection efforts and eliminate the need to call customers to chase late payments. We can then expect to see more organizations take advantage of early pay discounts.?

?This year?s AR survey shows how OB10 and The Institute of Financial Operations continue to have an acute understanding of what organizations find important in the procure-to-pay process,? said Jo E. LaBorde, Executive Director of The Institute of Financial Operations. ?We are equipped to monitor trends and offer solutions designed to help improve their financial operations.?

This year?s AR survey introduces the Invoice, Payment and Cash Flow (IPC) Barometer, which asks for respondents? opinions on how effective they are in invoicing, customer payment efficiency, and cash-flow management and generates an overall score. Organizations will soon be able to gauge their own IPC Barometer result on the OB10 website and learn how to improve it.

To read the full 2012 OB10-Institute of Financial Operations Accounts Receivable Survey, download the white paper from the OB10 website or The Institute of Financial Operations website.

The white paper can also be accessed here:

OB10: http://bit.ly/OB10arsurvey

The Institute of Financial Operations: http://bit.ly/IFOSurvey

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Financial Balance Group Releases Newly


Rockville, MD (PRWEB) May 10, 2012

Financial Balance Group LLC, a financial services firm in Rockville, MD has launched an updated website providing interested consumers and existing clients with detailed information relating to services provided, articles relating to personal finance topics and a quick and easy way for consumers to contact a financial professional.

In the revised website, interested consumers can review information regarding the primary areas of financial services that Financial Balance Group is currently servicing: insurance, investments, retirement, estate, business and comprehensive financial services. Consumers can gain an understanding of the financial services process used by the financial representatives at Financial Balance Group, LLC and decide whether or not they could benefit from a complimentary initial meeting.

The revised website also offers a library of articles touching on unique and popular topics related to investments, insurance, estate planning and savings. Consumers can read objective and factual information regarding issues that may be of particular interest based on their personal circumstances. ?Our hope is to provide consumers with unique information regarding personal finance that they have not often seen or read before, such as ?Section 529 College Savings Plans and Estate Planning?, says Michael L. Relvas, a CERTIFIED FINANCIAL PLANNER? professional with Financial Balance Group, LLC.

The website also offers a quick and easy process for consumers to gain access to a complimentary initial meeting with a financial professional. Since the site is wholly owned and managed by Financial Balance Group, LLC, interested consumers who request further information will only be contacted by a financial representative of Financial Balance Group.

Financial Balance Group, LLC is a general agency of the Guardian Life Insurance Company of America. A mutual insurer founded in 1860, The Guardian Life Insurance Company of America and its subsidiaries are committed to protecting individuals, business owners and their employees with life insurance, disability insurance, dental insurance products, and offer funding vehicles for 401(k) plans, annuities and other financial products. Guardian operates one of the largest dental networks in the United States, and protects more than six million employees and their families at 115,000 companies. The company has approximately 5,000 employees in the United States and a network of over 3,000 financial representatives in more than 80 agencies nationwide.

Michael L. Relvas, CFP is a Financial Advisor of Park Avenue Securities LLC (PAS), 1355 Piccard Drive, Suite 380 Rockville, MD 20850, (240) 683-9700. Securities products and advisory services are offered through PAS, a registered broker-dealer and investment advisor, 240-683-9700.

Financial Representative, The Guardian Life Insurance Company of America (Guardian), New York, NY. PAS is an indirect, wholly owned subsidiary of Guardian.

Financial Balance Group, LLC is not an affiliate or subsidiary of PAS or Guardian.

PAS is a member FINRA, SIPC.

Ready… Set… Retire!: Financial Strategies for the Rest of Your Life


Most investors spend too much time trying to outguess the market and not enough time thinking about their long-term financial futures. That’s why today’s retirees (and soon-to-be retirees) need strategies, not stock tips. Nationally recognized Certified Financial Planner®, radio talk-show personality, and author Raymond J. Lucia shows you little-known concepts that can fatten your savings and boost your standard of living in retirement.In an easy-to-understand and often humorous style, Lucia details how ideas such as nontraded real estate investment trusts, 72(t) elections, and equity-indexed annuities can give you, the investor, a leg up on the path to retiring in comfort and safety. Lucia brings his 30 years of experience to bear in revealing how and when to tap your retirement plans, ways to use your home as a source of retirement dollars, and how to lower taxes on appreciated company stock. He’ll also explain how investing in low-income housing tax credits can help you tax-wise even as you assist others.Filled with hands-on, in-depth insights and practical advice, this book will give you all the tools you need to win at the retirement game.

Price: $ 0.97
Sold by Barnes & Noble

College Financial Aid: How To Get Your Fair Share
In plain and simple language, this book will show you how to effectively plan so you will qualify for as much financial aid as you…

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