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Did you know India has only about 2000 certified financial planners? For a country has big as ours, this is too small a number. Unfortunately the reason behind this is lack of knowledge. Very few people here have understood the importance of financial planning and how a professionally certified planner can ease our financial woes.

An average middle class Indian thinks that investment is all about making a couple of insurance, hesitantly dabbling in mutual fund investments and staying far away from the stock market. While there is nothing wrong is this approach, an expert will tell you that this is enough to secure your future.

There are many ways you can invest your money wisely but to do so you need to know the methods. However it is important we realise that not everyone can grasp the complexities of managing money which is why seeking professional help is so important.

How to Become a Certified Financial Planner in India?
CFP certification in India is recognised by the Financial Planning Standards Board (FPSB). It is the nodal agency which oversees how CFPs are doing their jobs, who can be certified and whose certification must be revoked. Though they give the certification, you must enrol in an educational institute offering it as a course work. There are many emerging institutions that are now offering post-graduate diploma in financial planning.

Eligibility to Become a CFP
If you are seeking admission in one of the top CFP institute in India, you will need to know their eligibility criteria. There are two kinds of people who usually seek admissions to such courses – working professionals in the finance sector looking for official certification and fresh graduates who want to enter the industry equipped with the right degree.

Timeline of a CFP Course in India
A CFP course can be completed within 6 months or else can take two to three years – both are recognised by the FPSB. The important thing to note here is where you seek admission. There are institutes where you can seek admission for a one-year PG diploma in financial planning while the same institute may also be offering you a two-year post graduate degree in financial planning.

For a working professional, a PG diploma in financial planning seems to be a good idea. But if you are a fresh graduate still seeking to hone your skills, then a full-fledged master’s program is more suited for you.

However, you must understand that what you will be taught over a span of two years will be much more in-depth and detailed. You learning graph will be deeper and your understanding will be better in a two-year’s program. On the other hand, with a one-year diploma course, you will be able to quickly become a CFP and start a new journey towards bettering your career.

Scope for CFPs in India
Since there are few certified financial planners in India, the scope is immense. You can get into investment management, tax planning, estate and retirement planning, personal cash flow management and insurance planning. If you think you have the calibre to become a financial planner, get the required certification today!

Capital One personal loans may be the last thing on your mind if you have a bad credit score or no credit history at all. But despite your bad credit, you still might be able to take out a loan from Capital One Personal Loans. This doesn’t mean that Capital One will help you buy a home, though.

Capital One is not among the biggest online lenders, but they do offer personal loans at competitive rates. They do, however, differ from other banks by offering personal loans with no credit history required. Some of their other fees include application fees, costs for getting a signature on documents, as well as an annual percentage rate (APR). These are not typical fees for a bank.

If you have not looked into any of capital one personal loans in the past, this may be a new experience. Be sure to look into it before applying. There is a lot of money out there, and competition between lenders is fierce. Before signing up with them, ask questions and read through all the terms and conditions. Look for information about their fees and interest rates. Make sure you compare loan offers before deciding which lender will offer you the best loan and terms.

The first alternative is a traditional bank, such as a traditional brick and mortar bank. You can go online and request an application, although this may take some time. Most banks now offer online applications that can be processed within a few days.

Another alternative to capital one personal loans is a checking account. It is not widely accepted everywhere, so you may have to drive to another bank, or use alternative methods of borrowing money, such as a credit card. Be sure to pay off your balance in full each month, as interest charges are generally higher for checks and cards than for savings accounts. A credit card may also have a fee to use, but it may be worth it if you are short of cash. If you do not have a checking account, you may still qualify for a savings account at your bank.

An alternative to capital one personal loans is online lenders. There are many online lenders who specialize in providing loans to people looking for no-money-down types of loan. Be sure to do a thorough search online to find the best interest rate and terms. Do not be afraid to ask questions when applying for a loan online. Sometimes, online lenders will not have all the information that you need, so it can be a good idea to call and talk to someone directly.

One last alternative to capital one personal loans is to look into bad credit loans. These types of loans are specifically targeted at people with bad credit. However, you should take care to make sure that you are getting a loan product that fits your particular needs. This type of loan product may have slightly higher interest rates, due to the increased risk for the lender.

Capital One’s personal loans offer great flexibility for those with credit problems. It is important to remember though that if you default on your loan, you will hurt your credit score. Because of this potential issue, you should only apply for the loan if you can truly repay it. Also, make sure to keep up your credit score by always making payments on time.

If you think that your credit personal loans have fair credit personal terms, you should check out the repayment terms of your bad credit personal loan product. Typically, you will want to know how much extra money you will be expected to pay back on a monthly basis. You will also want to know if there are any prepayment penalties or fees. Be wary of any lender who does not tell you these things upfront.

Capital One offers several different repayment terms for their personal loans. You can choose to make your payment on an installment basis, which means that you will be paying each month after receiving your loan amount. You can also choose to make your payment in full at the end of the term. The full payment option is typically better for people who are used to budgeting their money. In addition to the interest rate, you should also be able to find information about any fees associated with your loan.

Capital One offers personal loans from Truck Carrier. You can shop around and compare prices and policies among different lenders to find the best deal. To learn more about choosing the right loan, as well as other financial resources, log on to the website of American Consumer Credit Union.