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ICFE
ICFE eNEWS #14-05 - Feb 5th 2014

Interest Rates On The Move: What Consumers Should Do Now!

San Diego, CA, February 5th, 2014 - Uncertainty in the interest rate markets, especially in the area of home mortgages, makes this an important time for consumers to make well-informed decisions, says the non-profit Institute of Consumer Financial Education (ICFE), based in San Diego, CA.

Whether you have an existing fixed-rate or adjustable rate (ARM) home loan, or even other significant non-mortgage debt, decisions you take now can make the difference between debt reduction or elimination and paying thousands of dollars of unnecessary interest.

ICFE has partnered with the SMARTEquity™ organization to provide the Certified SmartEquity Specialist (CSES™) program. This training and implementation program is for professionals who work with consumers to apply a unique methodology permitting credit-worthy people to reduce the length of time it takes to pay off mortgage indebtedness.

With the right guidance and decisions, millions of homeowners across the nation stand to benefit from the application of the SMARTEquity™ program, through the efforts of CSES™ professionals. This opportunity during a time of unstable interest rates is both timely and accessible. Additional advantages may result from the CSES program, as it also provides potential improvement in the credit scores of consumers.

The ICFE is the publisher and certifying authority of the Certified SmartEquity Specialist (CSES™) credential. Holders of the CSES™ including civilian and military financial counselors, recognize the urgent necessity for potentially affected consumers to take action to maximize the possibility of reducing interest payments and overall debt, and stand ready to help.

Consultation with an ICFE Certified SmartEquity Specialist is advisable. A state by state Directory of CSES® individuals is provided at the ICFE web site - ICFE.org.


ICFE eNEWS is available FREE upon request by visiting our Web site and filling out the contact form, with the words "eNews request" included in the comments field. Please pass this eNEWS on to your peers and interested others and invite them to subscribe for free.

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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Copyright ©  1997 - by Paul S. Richard
and the Institute of Consumer Financial Education, All Rights Reserved.
View our
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Institute of Consumer Financial Education
PO Box 34070
San Diego, Ca 92163
Paul S. Richard, Executive Director
Phone 619-239-1401

FAX 619-923-3284

Questions for www.financial-education-icfe.org Click to go to Website Contact Us or 
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Home ] ICFE News Releases ] ICFE in the News ] Children and Money ] Financial Education ] Resource Center ] Credit Card Tips ][ Credit File Correction ] Mending Spending ] Links and Resources ]  [ Online Store ]

 

Copyright ©  1997 - by Paul S. Richard
and the Institute of Consumer Financial Education, All Rights Reserved.
View our
Privacy Policy Our Terms and Conditions

Institute of Consumer Financial Education
PO Box 34070
San Diego, Ca 92163
Paul S. Richard, Executive Director
Phone 619-239-1401

FAX 619-923-3284

Questions for www.financial-education-icfe.org Click to go to Website Contact Us or 
Website Design Donated by Desgn School Programs