ICFE eNEWS #11-03 - January 10, 2011
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ICFE Introduces New Certification - Certified SmartEquity Specialist
Eliminate debt up to 72% faster. The New CSES Course is accepted for 5 CEUs

San Diego, CA. - The Institute of Consumer Financial Education (ICFE) has introduced for January 2011 a new online certification course titled: Certified SmartEquity Specialist (CSES), which has been accepted for 5 CEUs by the AFCPE and variety of other professional organizations.

Certified SmartEquity Specialist Online Course Description
The ICFE's CSES program is about mortgage and debt reduction through a cash flow money management software system. Students will learn about how mortgages are calculated, how interest is compounded and as a result how we end up paying for two and sometimes three homes because of the amount of interest we pay on the original mortgage.
The CSES shows how it's possible to pay off the original mortgage in half the time or less using their current household budget. In the case of consumer debt students will learn the process for eliminating these debts up to 72% faster again using their current household budget.

Students will learn about dramatically reducing the "Mortgage Freedom Date" which is the date that they're mortgage free. If you take your current age and add the amortized years left on your mortgage this is your Mortgage Freedom Date. A person age 55 with 25 years left on the mortgage will have a Mortgage Freedom Date of 80. On average we can show how to get that Mortgage Freedom Date down to 65.

Application of the SmartEquity program also provides for the management and elimination of credit card and other consumer higher-interest debt, as well as an integrated accounting system.

We show how to track progress monthly and manage asset, liability, capital accounts and how to create and read financial reports such as the balance sheet, net worth, profit & loss statement and cash flow reports. The key to success is setting a goal and tracking the progress.

Anyone taking this course will gain the knowledge to not only better manage their financial situation or small business and thousands in interest payments but also help their clients save potentially tens of thousands in unnesessary interest payments freeing up financial resource to invest, help pay for their children's education or purchase a second investment property. The possibilities are endless when you're living debt free.

The CSES course is designed to enhance the ability of financial and related professionals to utilize SmartEquity software for the benefit of their clients. Clients will also have the ability to integrate SmartEquity software into their financial planning and record-keeping, resulting in more efficient implementation of financial planning and more effective relationships between the client and financial professional.

ICFE has certified about five thousand professionals in seven different specialty certification programs. These professionals are employed by a wide range of organizations including consumer credit and debt counseling organizations, credit unions and other financial institutions, student loan lenders, cooperative extension system, all branches of the military, mortgage, real estate, and financial services firms; law enforcement, and other government agencies. Many others are private practitioners including notary public, attorneys, CPAs, CFPs, privacy professionals and consumer educators.

The CSES program is also accepted for 15 continuing education credits and continuing legal education credits by many national professional organizations, such as CFPs, RFPs, CLU-ChFCs, credit, debt and financial counselors, the AFCPE, and also by several state regulatory licensing agencies.

For more information, please visit ICFE.info.

Media contacts:

ICFE: Yan Ross - Director of Special Projects
yan@AvalonStrategies.com
Direct Phone: 602-703-3336

SmartEquity: Mark Montserin - President/CEO ComCorp Communications Inc
mark@SmartEquity.ca
613-822-9365

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Sent by:

Paul S. Richard
President - Executive Director
Institute of Consumer Financial Education (ICFE)

About the ICFE:

The Institute of Consumer Financial Education (ICFE) was founded in 1982 by the late Loren Dunton (creator of the Certified Financial Planner (CFP) designation).  The ICFE is dedicated to helping consumers of all ages to improve their spending, increase savings and use credit more wisely. 
The ICFE is an award winning, nonprofit, consumer education organization that has helped millions of people through its education programs and Resources. It publishes the Do-It-Yourself Credit File correction Guide, which is updated annually. The ICFE has distributed over one million Credit/Debit Card Warning Labels and Credit/Debit Card Sleeves world wide.

The ICFE became an official partner with the Department of Defense/Financial Readiness Campaign in June of 2004.The ICFE was an active partner in the California Student Debt Resource Awareness Project (CASDRAP) which resulted in a new web site: (studentdebthelp.org).  CASDRAP disbanded in 2010, shortly after the web site project was completed.  In 2011 the ICFE assumed the single sponsorship of the (studentdebthelp.org) web site and is now responsible for its content and operation.

The ICFE is also an on-line help for consumers who spend too much.  ICFE's spending help was featured in PARADE Magazine in the Intelligence Report section. The money helps and tips are from the ICFE's Money Instruction Book, our course in personal finance.

Visit the ICFE's other web sites at: www.financial-education-icfe.org and studentdebthelp.org.  Both sites helps consumers and students with mending spending, learning about the proper use of credit, budget and expense guidelines, how to set up and implement a spending-plan and also how to access financial education courses and how to teach children about money. Other ICFE services include: Ask Mr. G,  a free eNews, and an online resource center for students, parents and educators, plus financial education learning tools and a book store.

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