January 1st, 2011 
Vijaianand Happy Newyear 2011!!
May this year brings all happiness by helping you achieve your future goals both financially and personally. Don’t prograsinate important things in your life so just take time to do it immediately.
Have a happy and joyous new year…
December 24th, 2010 Vijaianand Year 2010 is going to end in another few days. It has been an eventful year to many extent whether for an ordinary person or high official like US President Obama. It surely added some unforgettable chapters and interesting pages in the history book. 2010 especially have been very vulgur and cruel with natural disasters like earthquakes in many parts of the world, volcanic ash formation, unexpected snow storms in many european countries which really scares us with a thought that whether the world is really going to end soon.
Also many man made disasters like Deep water oil rig explotion, Coal mine explosions and many flight crashes. Apart from disasters this year was momentful starting from journalism aspect when wikileaks disclosed many US private cables to FIFA world cup win by Spain to Canada Winter Olympics extravagenza and so much more.
When comes to financial and money matters, it has been really roller coaster ride with major talks about European Zone credit crisis spreading from Greece to Ireland, US Unemployment still lingering at 9.8%, US stock market slowly creeping upward with bleak future growth and better growth in Asian markets. No one can surely predict the future trend very strongly in the current market condition.
I listed below some of the eventful days which I felt are important and talked a lot all over the world.
January 12 – A 7.0-magnitude earthquake occurs in Haiti, devastating the nation’s capital, Port-au-Prince. With a confirmed death toll over 230,000 it is one of the deadliest on record.
February 12–28 – The 2010 Winter Olympics are held in Vancouver and Whistler, Canada.
February 27 – An 8.8-magnitude earthquake occurs in Chile, triggering a tsunami over the Pacific and killing 497. The earthquake is one of the largest in recorded history.
March 23, 2010 – Affordable Healthcare Act signed by US President.
March 2010 – Eurozone Credit Crisis started from Greece and spreaded to Ireland.
April 13 – A 6.9-magnitude earthquake occurs in Qinghai, China, killing at least 2,000 and injuring more than 10,000.
April 14 – Volcanic ash from one of several eruptions beneath Eyjafjallajökull, an ice cap in Iceland, begins to disrupt air traffic across northern and western Europe
April 20 – The Deepwater Horizon oil platform explodes in the Gulf of Mexico, killing eleven workers. The resulting oil spill, one of the largest in history, spreads for several months, damaging the waters and the United States coastline, and prompting international debate and doubt about the practice and procedures of offshore drilling.
May 22 – Air India Express Flight 812 overshoots the runway at Mangalore International Airport in India, killing 158 and leaving 8 survivors.
June 11 – July 11 – The 2010 FIFA World Cup is held in South Africa, and is won by Spain.
July 25 – Wikileaks, an online publisher of anonymous, covert, and classified material, leaks to the public over 90,000 internal reports about the United States-led involvement in the War in Afghanistan from 2004 to 2010.
October 13 – Thirty-three miners near Copiapó, Chile, trapped 700 metres underground in a mining accident in San José Mine, are brought back to the surface after surviving for a record 69 days.
October 22 – The International Space Station surpasses the record for the longest continuous human occupation of space, having been continuously inhabited since November 2, 2000 (3641 days).
November 22 – A stampede during Bon Om Thook (Khmer Water Festival) celebrations in Phnom Penh, Cambodia, kills 347.
November 28 – WikiLeaks releases a collection of more than 250,000 American diplomatic cables, including 100,000 marked “secret” or “confidential”.
December 17 – Extension of Bush Tax Cuts
To see more events happened in 2010, go to wikipedia
Obviously every year has its own good and bad events. But we all can only hope for a better 2011 which less disasterful events and more happy incidents for the wellness of the human being.
Happy Newyear 2011 to all of you!!!
December 6th, 2010 Vijaianand This year is almost over as December is upon us. It has been 2 weeks since I took my CFP exam and 4-6 weeks remaining for the sit and wait game to be over so I can get the results.
When I posted a blog last June about my CFP Certification quest, I just completed the CFP Online Course and crossed the first hurdle(education eligibility requirement of the CFP board) towards getting the CFP Certification. Next I wanted to take on the biggest challenge to appear for the CFP exam in Nov. I want to face the exam well prepared because I kept hearing it was a tough one. In the last post, I promised to share my experience about the CFP course from BU, so let me talk about that before going to the review classes.
Boston University CFP Course
I signed for BU course in Nov 2008 when they ran very good special of $1737 to celebrate their anniversary or something. I just happen to come across while I was searching for CFP course providers. I quickly did comparison with other providers and their offerings for the course. It came out BU is the least expensive with some good history of passing rate. So I signed up for the Online Self study course hoping to study myself which will be vaild for limited time of 18 months only.
— Course Content
No predesigned study material from BU. You can pay extra $500 for the books they recommend and they will send to you or you can buy it yourself. I bought most of my books myself online at half.com and amazon.com for better price and saved few hundred dollars. I first took few weeks to review the course material and made decision to continue otherwise I had the option to discontinue within a month and get refund.
I started studying more religiously by finishing the reading assignment from the book followed by reading online material. It took me almost 4 months to finish my first module. I was bit disappointment but I don’t know how to speed it up because you only got limited time to spend after full time work and family time. I was doing my level best and moved along.
— Assignments
There is no particular home work or assignments given by tutors since there is none for the self study route. You are your own teacher to gauge yourself. So I just tried to keep up with the reading assignments they had for each module for atleast 2 modules. For the rest 4 modules, I skipped the reading assignments and only concentrated on the online materials because I felt most of them are covered in the online material. So its up to each individual capability and time availability to select their path.
— Course Support
As I told, I skipped the reading assignmens and started going thru online material only for rest of the 4 modules to go faster. Even that took almost 2-3 months for each module. I felt the time period is short for self study if you want to do both books and online material. I only need tutor clarification few times in the whole of my study time. It wasn’t bad. Once you send the email, you get reply with clarification in 1-2 days. They only answer the questions on the topics not on the exam questions directly. They made sure I understood the problem first and always asked my opinion about possible answers and explanation before before giving directions to find the answer myself. That helps to go through the material again and find the answers.
— Course Exams
They had exams for every module. It contined 50 questions, 42 multi-choice questions with 2 case studies that had 4 questions each. I had to get above 73% to pass the exam. I was allowed to take as many times as possible to pass and improve my scores. It was a big bonus so I took exams multiple times and improved my score as much as possible to almost “A” to most of the modules. But I had to go through wrong questions and analyse them deep enough to find their answers so I can try another time to score better. It seems like they have set of questions and never gets repeated often so it’s different most of the time.
I was able to complete all the module just 10 days before the end of the expiration and got the CFP course certificate in August 2010. If you want my referral to get some course discount with BU, please don’t hesitate to email me.
Signing up for Review Class
I waited for my course certificate to arrive before signing up for the review class. Just to be sure that I have completed it successfully and no issues. Meanwhile, I started doing my research to find out a good Review class which has more options and avenues to get more exposure to all topics necessary for the exam. Since I took the self study course, this time I want to take choose the class that gives both Traditional and online classes if possible so I can get the feel for the topics personally from the instructor. There were lot of review classes available starting from $1000 to $1500 and will talk more about in the next post.
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