Notes

Personal Finance Manager
They advise clients on investing their money in stocks, bonds, and other types of securities. They also manage these investments for families.you need a bachelor’s degree in finance, economics, accounting, financial planning, or business. A Series 6 certificate allows you to sell mutual funds, trusts, and variable annuities. A Series 7 certificate is necessary to sell bonds and stocks. A Series 65 certification combines other series certifications so that you can become certified in several classes. A Certified Financial Planner (CFP) certificate adds to your credibility and expertise.
Tax Accountant
ethical business concerns such as the Generally Accepted Accounting Principles (GAAP) and International Financial Reporting Standards (IFRS).you need a bachelor's degree in accounting or a related field with tax accounting courses taken as electives. Becoming a Certified Public Accountant (CPA)
allows you to file reports with the Securities and Exchange Commission (SEC). The SEC is a service for public corporations that are and trade shares on the public stock exchanges.
Insurance Sales Agent
To become an insurance sales agent, you need to have at least a high school diploma and a state license.
Financial Services Sales Agent
To become a financial services sales agent, you need to have a bachelor’s degree in business, finance, economics, or accounting. An internship with a securities firm in your final year of college will significantly help you in getting a job. A Series 6 certificate is the lowest-level certification required to sell mutual funds, trusts, and variable annuities. A Series 7 certificate is necessary to sell bonds and stocks. To sell commodities you need a Series 3 certificate. Series 63 is a state license that you require in addition to the above certifications.

Entrepreneurs are raising capital for their projects through crowdfunding. Crowdfunding refers to collecting money from many people via the Internet
donation-rewards that arent money
debt-people receive money back along with interest
equity-receive company shares
Identity theft refers to a crime in which someone obtains and uses another person’s personal data through fraud or deception. The Identity Theft and Assumption Deterrence Act criminalized identity theft.
The Dodd-Frank Act established the Consumer Financial Protection Bureau (CFPB) in 2010. Congress established this agency to protect consumers by enforcing federal consumer financial laws. The CFPB educates consumers so that they can protect themselves from unfair practices. It also supervises financial institutions and enforces consumer financial laws. The CFPB educates consumers about the terms of their agreements with financial companies. They also take consumer complaints, research consumer behavior, monitor financial markets for new consumer risks, and enforce laws that outlaw discrimination and other unfair treatment in consumer finance.

The Credit Card Accountability Responsibility and Disclosure (Credit CARD) Act was designed to protect consumers from unfair credit card billing practices. It was enacted as a response to the rising level of unsecured consumer debt. The following are some of the benefits of this Act.

The credit card issuer cannot increase the annual percentage rate on your existing credit card balance except in certain circumstances, such as if the rate specified was only for a certain period or if you pay your credit card bill sixty days late.
Issuers have to give consumers 45 days’ notice before making any important changes to the contract, such as a rate increase.
Cardholders will not face overlimit fees unless they choose to have overlimit transactions. Also, issuers can charge for only one overlimit fee per billing cycle.
Individuals under 21 years old need a co-signer or prove that they have sufficient income to make monthly payments.
Double-cycle billing is disallowed. Double-cycle billing is calculating interest on both the current balance and previous month’s balance.
The issuer needs to allow at least 21 days after sending the credit card statement before making the payment due.
Gift cards cannot expire for at least five years. The issuer also cannot charge an inactivity fee unless the card has not been used for 12 months.