Financial Education Services Review


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Financial Education Services also known as FES is headquarter in Farmington Hills, MI and has approximately 200 plus employees worldwide. The majority of the services offered by FES are proprietary products developed by FES. There are as well some partnerships most notably, LifeLock the number 1 provider of identity theft protection.

The founders of this company, Mike Toloff and Parimal Naik come from a very successful background relating to the financial services industry and over the last 9 plus years have taken what was once an operation ran from a small back room in a shopping mall to a state of the art facility with representation across the country

Financial Education Services Products

Today’s market place demands products that will not only help consumers reenter the market place but as well help to educate them on important factors related to financial literacy that were never taught during formal educational years.

It is this combination of products, service and education that has helped FES to become a powerhouse in the market place today and what separates them from there competition. When you educate your customer base you have a potential for not only referral business but as well retention of existing clients.

Financial Education Services products consist of Credit Restoration, Positive Credit Building, Pre-Paid MasterCard, Wills and Trusts and the inclusive FES Protection Plan Membership that includes previous mentioned services along with DebtZero (Debt Pay-off System) and My Financial Lockbox.

Financial Education Services Business Model

The business model or distribution of these financial services is delivered through a network of independent distributors or what FES refers to as “Agents”. Agents are compensated for the sale of these products and also have the ability to build teams of agents and receive overrides and bonuses based on their team production.

The business model is a form of MLM or as more commonly referred to as Network Marketing. The unique thing about the FES model as that agent’s can opt to simply sell the products and not participate in the team building aspect of the business although to maximizes the compensation plan you will want to participate in both sales of products as well as team building.

Is Financial Education Services Right for You

Well let’s examine the facts; it is estimated that over 50 million Americans have less than a 599 credit score (Sub-Prime Credit), 90% of the population does not have a will and trust combination, the average consumer household debt is approximately 20K with no plan in place to pay it off and identity theft is the fastest growing crime in America. With that being said, it’s almost a certainty that most people know someone that can use the services that Financial Education Services provides.

The most likely candidates for the FES business opportunity are professionals in the financial services industry such as mortgage brokers and Real Estate professionals. There has also been a recent surge in interest from the insurance industry.

This opportunity just like any other home based business is great for anybody looking to enter the network marketing industry. There are no license requirements for the agents since FES is licensed and bonded in all 50 states including Puerto Rico.

The bottom line is if you’re the type of persons that needs the services offered by FES, will to sharing products that can benefit others or enjoy working from home than the Financial Education Services opportunity could be right for you.

Balancing General and Special Education Services

Historically, special education services delivery was on a pull-out model. This means that the child was removed from the general education classroom for separate instruction. It may be the child was in a self-contained classroom (all day placement) or in a resource classroom (maximum of half-day placement).

As a result of lawsuits, most districts have shifted from pull-out to inclusion models for everything except speech and language, occupational and/or physical therapy, and specialized assistance for the hearing or visually impaired students. These remain pull-out because the instruction is individualized and intense for short lengths of time, usually 1-3 times per week for 15-30 minutes a session.

In the inclusion model, students receive the same instruction as their general education peers. Sometimes the special education teacher or assistant is in the classroom with the child to assist instruction and/or task completion. Most of the time, the student remains in the general education classroom and is expected to behavior and work as all other students.

Advantages and Disadvantages

Both models of special education services delivery will succeed and fail for different reasons. Some children need the full-day pull-out model because they cannot handle the changes and demands of a general education classroom. They may be able to handle the instructional demands, but their behaviors may be out of control and/or hazardous to them and/or others in the room. They may lack the foundations in reading, writing and/or mathematics to do any work in the general classroom; instructional content is often limited to low-level instruction and work assignments, because the available materials simplify the content.

The partial day pull-out model allows more intensive instruction in targeted subject areas where children need extra assistance or instruction. Since it is only partial day, students mingle the rest of the day with their peers. Unfortunately, their social interactions may be affected, because others often do not understand what special education services are and will tease the students who leave. The ridicule of thoughtless peers affect many who give up hope of ever being in the general education classroom.

Inclusion allows students to receive instruction, especially in upper elementary grades where children learn about science and social studies. While having the advantage of more socially-appropriate interactions among students, inclusion has some drawbacks for instruction. Many children are slower to develop than their peers. They may have language deficiencies or cognitive delays that affect their ability to understand the instruction and do their assignments. Even with adult assistance, the instruction usually is not modified in any way so they understand what they are learning. An example is that, in some states, all students must take physics or chemistry to graduate; these are not appropriate classes for children with mild to severe disabilities.

Inclusion instruction keeps going, no matter whether or not a child is ready for the next level of instruction. Many children end up doing assignments that mean nothing simply to get them out of their face so they can move on. They are not being educated but being housed for the convenience of administrators who make the decisions.

Considerations for Services Delivery

The IEP team, including parents, need to consider many factors when they design the implementation plan: time of day, content instructional periods, services providers’ schedules and availability, the child’s ability to perform in a group setting (behavior and/or mastery of prerequisite content), level of supports needed for the child to perform, medication schedules, equipment/technology availability, and so on.

In the pull-out model, it is possible for children to receive too many services. They become dependent upon the adults for structuring their world and providing motivation to complete tasks; learning becomes optional. In the inclusion model, it is possible for children to receive too little services. Their ability to understand the content and processes may be limited and there is no “going back” to prerequisite skills that were missed or incompletely mastered. Adult time, room capacity, and schedules impact instruction and work behavior. In either model, the adults’ expectations for the students may be low and limit the child’s own goals and expectations.

Finding the Right Balance

The goal for receiving special education services should be for the child to develop the skills that will enable him/her to perform in the regular classroom. Keeping a child in a special education setting too long can be just as damaging as removing them from services too early. Just because the child may be eligible does not mean it is in the child’s best interest to continue protecting the child. The child must develop an internal awareness of being able to be like others, to receive instruction and complete tasks like others do. The child must develop a work ethic and pride in accomplishment; these are attitudes and skill necessary for him/her to be a productive employee as an adult. Ensuring success is just as damaging as setting a child up for failure.

United Credit Education Services – An Unbiased Review

United Credit Education Services in company that specializes in helping people remove erroneous and derogatory information from consumers’ credit reports. If you’re sick and tired of dealing with poor credit and if you want to turn that around and get an improvement to your credit score, this company may be one of the better choices available to you.

United Credit Education Services, based in Farmington Hills, Michigan, has an ‘A’ rating with the Better Business Bureau. While consumers have the right and ability to dispute erroneous and derogatory information on their credit reports without help from another entity, this company provides credit restoration services for people who’d rather pay someone else to do it and avoid the struggle of doing it themselves.

They have documented results that show many customers’ credit scores increasing from the low 500s and 600s at the time of enrollment to the 700s and 800s in a matter of months. Individuals who were originally declined for a home loan turned things around and eventually got approved within several months of enrolling in their service.

United Credit Education Services has served over 150,000 clients has an impressive deletion rate since opening its doors in 2003. According to a chart on their website, they’ve helped their customers get over 545,000 negative items removed from their credit reports; nearly 57,000 of that number include public records, such as judgments, tax liens and even bankruptcies.

They offer a written, money-back guarantee – customers are simply a phone call away from getting a quick and friendly refund if they’re unsatisfied with their results – and they have live customer service representatives from 9am to 5pm, Eastern Time. It must be relief to customers who can call the corporate office with their questions or concerns and actually talk to somebody, instead of getting automated systems and leaving unreturned voice mails.

They also teach their customers while they work on their credit by offering extensive credit education in their online library of credit education resources.

And judging by the large amount of testimonials posted on their website from happy, satisfied clients, it’s apparent that their service works.

The cost of their service is only nowhere near the high prices that fly-by-night, so-called credit repair companies have charged in the past. In fact, a quick, online search will reveal that they are quite competitive with other credit repair companies.

United Credit Education Services charges $499 for their service. Since they recognize that economic times are tough, they also offer two additional enrollment options.

The first is a split-payment option, where the customer pays one-half payment at enrollment and pays the balance 30 days later. The second is a monthly payment option in which the customer pays $199 at enrollment and $39 per month while the service lasts.