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
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
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
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
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
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
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: Yan Ross - Director of Special Projects
Direct Phone: 602-703-3336
Mark Montserin - President/CEO ComCorp Communications Inc
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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.