Free Financial Planning Day And Seeking A Financial Planner
Posted by Michelle Moquin on October 15th, 2010
Good morning!
We could probably all use a little help when it comes to our finances. Especially these days. If you are living in the Bay Area, the Office of the Treasurer and Tax Collector are having a free financial planning day that you might want to take advantage of:
SUBJECT: FREE “Financial Planning Day” October 16, 2010 – Register Today!
I am writing to invite you to participate in a great opportunity to receive free financial advice from a trained and certified professional. On Saturday, October 16th from 10am to 4pm, Mayor Gavin Newsom and I will be hosting “Financial Planning Day” at UC Hastings. All San Franciscans will have an opportunity to receive free private consultation from one of 60 professional Certified Financial Planners in attendance. You can ask your most pressing questions around retirement savings, savings for homeownership, debt, student loans, children’s college savings, and more.
The need for free, trustworthy financial advice has never been greater. The average American household has over $8,000 in credit card debt, the average college student has over $21,000 in student loans, and one out of seven adults aged 41 to 54 has NO savings for retirement. “Financial Planning Day” provides an opportunity to take control and obtain free financial advice from a Certified Financial Planner.
You can connect to “Financial Planning Day” by:
Viewing the flier-1 and flier-2 (please forward to your friends and networks)
Visiting us online at: www.financialplanningdays.org/SanFrancisco (don’t forget to register online)
I hope to see you Saturday, October 16th. Please contact Marco Chavarin if you have any questions at 415-554-7444 or marco.chavarin@sfgov.org.
And if you don’t live in the Bay Area and are seeking out a financial planner here are a few things to watch out for as well as some good questions to ask:
10 Warning Signs And 10 Questions To Ask When Seeking A Financial Advisor
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When it comes to managing their financial well being, many people, especially seniors, turn to the services of a financial advisor.
It seems to make sense, since they’re the experts with your well being in mind, aren’t they?
But here are a few startling facts:
* A study by securities officials of “free meal” financial investment seminars, found that half of them exaggerated or made misleading claims about their services. More than 10% were actually fraudulent, selling non-existent products or promising unrealistic returns.
(See this Scambusters report for more about these seminars.)
http://clicks.aweber.com/y/ct/?l=8JUKO&m=1ZcjxFP0tmtWfo&b=.LrIOMkDGwv7O7kJ7jZWGQ
* Anyone can set up shop and call themselves a financial advisor or planner, without either experience or
qualification. You don’t even need a high school diploma!
The terms are considered to be generic (in general use) and usage is not controlled by federal or state governments, or by the financial regulatory bodies.
(The term “investment advisor” is somewhat different; people using this term should be registered with the Securities and Exchange Commission, the SEC.)
* According to money experts at MSN, the Microsoft Network website, of the quarter-million people using the title ”financial planner,” only about 22% were holders of the industry standard designation — the Certified Financial Planner mark.
In some cases, a financial advisor may actually claim to have professional qualifications, when in reality these are invented or based on a home study course that took as little as two hours to complete.
They may actually be honest business people but simply lack the training and experience to help guide your financial strategy.
Others may operate inside the law but either provide a poor service or be less than honest about how much money — in the form of fees — they’re making off of you.
But in a worst case scenario, they could be operating financial advisor scams that transfer your money straight into their pockets.
Naturally, we’re not suggesting that all financial advisors are scammers. Mostly, they’re not and many undoubtedly provide a valued service to their clients.
The trouble is that it can be difficult to tell the difference between the good and the bad.
Warning signs
However, there are some warning signs that should put you on alert about the qualifications or integrity of a supposed financial advisor you’re thinking of dealing with.
For example:
1. They suggest liquidating all or a substantial part of your portfolio and putting the proceeds into a single product (often an annuity, on which they receive a generous commission).
2. Following on from the above, they push a single type of investment and don’t seem to be interested in exploring your needs and personal risk preferences.
3. They tell you the investment is only available through them. Even if this were true, you can’t realistically place a true value on this type of investment and it almost certainly would make it difficult to cash out.
4. They offer a contract that includes taking a share of any financial gains you make (but, of course, they don’t share in any losses!).
5. They seem to be focused on one area of finance, do not seem widely experienced in different types of investments and are unable to compare them intelligently.
6. They refuse to detail their fees or tell you how they earn their money (i.e., whether they get bonuses or commissions for selling specific products to you).
7. They ask you to pay in advance for their services or to make a check out to them rather than an organization or institution in which you want to invest.
8. They invite you to make a loan to them or to sign a loan guarantee.
And finally, the old chestnuts:
9. They promise unrealistic returns on an investment while claiming it is perfectly safe.
10. They urge you to act quickly.
And, if you’re attending or following up on a “free” event, even though there’s a 50% chance it’s not a scam, remember that it is a sales pitch — either for the services of the organizer or for a particular product.
Somebody pays for the food and you can bet your bottom dollar that, ultimately, it won’t be the organizer.
Many financial advisor scams are particularly targeted at seniors. And you can read more about this type of crime in earlier Scambusters issues.
http://clicks.aweber.com/y/ct/?l=8JUKO&m=1ZcjxFP0tmtWfo&b=LBgKP8qVllW3JN4ZJyB3jQ
http://clicks.aweber.com/y/ct/?l=8JUKO&m=1ZcjxFP0tmtWfo&b=8wkim8nfXa494jAJ2bB9Wg
Key questions
Meanwhile, if you’re planning to work (or are already working) with a financial advisor, here are 10 key questions to ask that will give you clues to their true status:
1. What are your qualifications? They key ones are Certified Financial Planner (Professional or Practitioner), Certified Public Accountant, Personal Financial Specialist, a Chartered Financial Consultant or a Chartered Financial Analyst. Ask to see their certification and, whatever they claim, check it out online. See this interesting article about phony official titles.
http://clicks.aweber.com/y/ct/?l=8JUKO&m=1ZcjxFP0tmtWfo&b=iCdWWfI76oiZc7xwGqR9Vg
2. How do you earn your money? Fee-only is best (usually either an hourly rate or a sum related to the size of the portfolio). Beware of the phrase “fee-based” — this may mean they also get commission. Or if they say “by salary,” ask if they also earn a bonus for selling particular investments. It’s all right for a financial advisor to earn a commission, as long as they tell you that’s what happens.
3. Can you provide references of longstanding clients I can contact, and can I see examples of financial plans you have drawn up for other clients (with their personal information obscured, of course)?
4. How many clients does your organization have and how many do you personally have? Anything above 100 or so for the individual you’re dealing with would suggest he can’t devote the time you need and may be more focused on selling commission-based products.
5. How long have you been doing the job and do you have evidence of this? Just because someone appears older doesn’t mean they’ve been in the biz a long time. Fielding mature-looking front men is one of the financial advisor scam tricks.
6. Are you registered with FINRA (the Financial Industry Regulatory Authority), the SEC or a state licensing body? (Again, check this out with the relevant bodies –
http://clicks.aweber.com/y/ct/?l=8JUKO&m=1ZcjxFP0tmtWfo&b=.zTixCkOv0k9Hu6iu.r7ng and http://clicks.aweber.com/y/ct/?l=8JUKO&m=1ZcjxFP0tmtWfo&b=T2gV7k1AAbBMoDEqXmgwow.)
If they claim to be registered with the SEC, ask to see their ADV form — a requirement of registration in most cases — which tells you more about the firm.
7. Are you a member of any professional trade organizations, like the National Association of Personal Financial Advisors? Can you explain its code of ethics? Again, you can check this with any organizations they name and check the credentials of the particular organization by doing a Google search on the name.
8. Do you have wide general knowledge of the different products and services in the financial sector? If so, please give me a broad overview of the advantages of each. If not, are you only able to advise in a specific area (insurance or tax for example — which is probably not what you’re looking for)?
9. Have you ever been the subject of formal complaints, sued by a client or disciplined by a regulatory body?
10. Do you mind if I think things over and talk to a couple of other financial advisors? (If they object or seem agitated or uncomfortable, take your business elsewhere.)
Some of these questions might seem a bit blunt. But remember, it’s your money and your future prosperity you’re seeking to protect.
As we have previously suggested, it’s often a good idea to get recommendations on a financial advisor from other people you know and trust.
As suggested in Question #10, you may also want to speak to two or three different financial advisors, to compare not just their knowledge and expertise but also to see if the chemistry is right.
And, no matter how much you trust your financial advisor, always keep a close and regular eye on your investments and act swiftly if you suspect things are not right.
*********
Doug: That was quite the write! Thanks for keeping us informed, for sharing, and for giving us your two.
JClaxton: Hey Jim. I just saw your comment. Great to see you here! Thanks for blogging and saying hello. The reunion was wonderful and I too loved seeing everyone. I wish I had made more of the rounds as you did but I definitely spoke to quite a few people who I rarely see and that was just as fun. I look forward to chatting with you here more often.
Emily: That is too cute.
I’m outta here…Peace out…
Lastly, greed over a great story is surfacing from my “loyal”(?) readers. With all this back and forth about who owns what, that appears on my blog, let me reiterate that all material posted on my blog becomes the sole property of my blog. If you want to reserve any proprietary rights don’t post it to my blog. I will prominently display this caveat on my blog from now on to remind those who may have forgotten this notice.
Gratefully your blog host,
michelle
Aka BABE: We all know what this means by now :)
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October 15th, 2010 at 10:27 am
Hi Mischa, this is a good one. I met my advisor a long time ago at a networking meeting, she’s been a trusted advisor since, and she addressed the key q’s when I said I don’t even know what to ask you : ) she offered it up, a good sign. This is almost like picking a BF, an ‘intimate’ if you will bc I have had to disclose some things over the years that would’ve felt very uncomfortable if it hadn’t been her, so choose wisely and like she/he will be your therapist (although I never disclosed THAT much about personal issues I did where it related to finances).
Nora, thank you for the update. If I thought I had any influence over the sweet pea I would exert it now, but if you’ve been reading here for any amount of time, he doesn’t respond well to suggestions and/or outright requests re: anything, let alone his personal vendetta re: Nia and the Sudan, not from anyone, and not from me….
That being said…of course, I wish he would exert his energy in a more George Clooney like fashion, no violence, no threat to his or any of his soldiers lives, just making people aware and calling upon the goodness of people to get Obama to stop this senseless warring, and of course(!) I wish he would stop/just STOP following a death wish of his own making, this vendetta, Nia’s vendetta has turned into something else much bigger for him, that much is clear. Again, if for half a second I thought I had any influence I would think hard and come up with a dissertation/plea that even he could not refuse…to just drop the whole thing and carry on with this living thing.
Nora, if you have any power or influence perhaps you could persuade the man to drop it and get on with his own life, you seem to have access that I do not, please do it, or have Madaleine do it, I’m sure the commander would approve of that. If she’s prone to approving things, and I will beg her of necessary : ) it’d be most appreciated if she could restore the man’s health so he has time to think and come to his senses and not have to concentrate on healing and pain and/or whether he’ll live or not.
Are you sure the Chinese would jkust allow him to fill his coffers and call off the death threat to him and Nato men though? How can you be sure they will keep their word on that??
PS I like the song : )
PSS…if his health and safety weren’t so compromised already I’d add a little Zen Lill ass-kicking about putting so many others including himself into a permanent line of fire but I just can’t beat a man that’s down to begin
with, plus clearly he is not reading here and has not for quite some time.
Caio for now, Luv, Zen Lill
October 15th, 2010 at 11:15 am
…and tomorrow is my b’day : ) 1 shopping day left, hahaha…! I am wearing those slipper boots you sent me last year right now, Mischa, bc it is funky rainy chilly weather in LA today : ( but my toes are warm : ) – ZL
October 15th, 2010 at 11:33 am
Anonz has stated here before that he is in the business of war for profit. He is in his element. He designed the life he is living.
October 15th, 2010 at 12:18 pm
The Best Breast Exam
Shannon Puhalla, MD
The University of Pittsburgh School of Medicine
A team of researchers reviewed studies on manual breast exams involving nearly 400,000 women.
They found that those who regularly either performed breast self-exams or received them from a health professional did not have lower death rates from breast cancer — and they had twice as many biopsies.
What most people don’t realize: Most breast exams aren’t long enough (and therefore thorough enough) to detect breast masses.
Better: The Two-Minute Breast Exam designed by William Goodson, MD, a surgical oncologist.
Presented at the Annual San Antonio Breast Cancer Symposium in 2008, the exam is far more effective than the typical exam at finding breast masses.
Dr. Goodson says that 30,000 breast cancers a year are missed by mammograms… that breast exams in the doctor’s office can find most of those breast cancers…
but that only half of American doctors routinely include clinical breast exam in an annual physical — and those exams usually are too short to be effective.
What to do: Ask your doctor to do a two-minute breast exam.
Refer your physician to a video of the two-minute exam at http://www.2minutebreastexam.com. A woman can do it herself, but a doctor also should do it as part of a yearly exam.
Personal interviewed Shannon Puhalla, MD, assistant professor of medicine at the Magee-Womens Hospital of The University of Pittsburgh School of Medicine and a breast cancer specialist in the division of hematology/oncology at UPMC Cancer Centers.
Her scientific articles on breast cancer and other cancers have appeared in several medical journals, including Journal of Clinical Oncology and The American Journal of Hematology/Oncology.
October 15th, 2010 at 12:34 pm
Doug:
You must have your reasons for the way you feel about Anonz, but we here in the Sudan love him. He is our hope. So many villains are here with their tools to rip up the earth and rob us of its wealth.
They do not care that we living beings above their lust for what lies below have to endure.
Anonz puts his life on the line for his beliefs. He does not send others to die for his money. How easy is it for one to sit in the safety of his environment and judge Anonz’s actions?
Ask yourself what you would put your life on the line for, before you judge another who does it.
Kiania
October 15th, 2010 at 12:44 pm
This is my first time making my mine known. I speak for those in my village who have no voice. No one cares what happens here to us. It is all about the oil, and such.
There are Chinese and Arab killers everywhere. We are shot on sight. NATO herds us into camps that they do not protect. The Indian and Pakstani troops offer the young boys food for sex.
The Arabs just grab them and kill them. The American church offer birth control pills as if they will protect us from the rapes.
We are raped so often that it is no longer reported or when it is reported it is ignored.
Anonz is our living God. He punishes those who have to answer to no one for the evil they do.
Zen Lill, I beg you not to try to influence Anonz to leave Africa. He is sent by GOD! He is God’s sword.
Pray for him as we do. But put no thing in the way of his vengeance for God.
Doug, you are a good man I am sure because you are the mate of Michelle. She would choose no less.
But as a man you have no concept of the terror that exist in the mind and heart of a woman for her children and herself in a world which has no law that protects either.
Lewa
October 15th, 2010 at 12:47 pm
We in Iran wish you women of Africa courage. You have our sincere prayers to Allah for your safety.
October 15th, 2010 at 1:16 pm
Zen Lill
I am in Nairobi, Kenya. Here we understand why your president continues a war started by your criminal president Bush. He sees it as necessary to prevent a greater evil.
I live in a country where women have few rites according to the religion practiced my muslim men here. How easy it is to call the defense of the defenseless by the only means the perpetrators respect as “senseless warring.”
Without a similar “senseless warring” your OTW friends and associates would still be slaves or second class citizens in their own land.
How difficult it must be for a visionary like Mr. Obama to have to lead a people such as you.
People who spout lofty ideals until it requires blood to protect them. Most Americans would not put their lives on the line for their own noble beliefs.
Obama represents the few who walk the path they speak of. He is respected for his courage here. No one believes that white america will return him to the White House.
But as Bintu said, “No one expected him to win the White House in the first place.”
God, I am forced to be a muslim, but I have no time for the Allah men here pray to, will see to Obama’s destiny.
Not the god that most of white America prays to, but the God of Love. The one women look to for solace in a world of evil men.
Jamilia
October 15th, 2010 at 1:24 pm
Jamillia, no disrepect was intended to you, it is all warring started by men who want to claim more land, oil, etc…that I was calling senseless. I’m sorry my wording offended you.
To any other party who cares to comment: I already stated that I have no influence on Anonz’s actions or choices.
- ZL
October 15th, 2010 at 1:48 pm
If we had a few Anonzs’ here in Israel, we could deal with the blood thirsty arabs who live for death because that is all they know.
Uneducated misfits who worship guns, bombs and violence are regularly recruited by those who ply their trade of hatred for financial gain.
Like many of the republican party in america, they only want division in the Middle East. It puts money in their pockets.
We see your country run by the greedy for the wealthy.
It is hilarious watching the performances of the people the republican party has offered up as their best for positions in the most powerful posts in your governments.
Is it any wonder that but for your recent election of President Obama the world has lost respect for your country as a world leader?
You, Zen Lill and Doug, weep at the war that Obama is waging. We have been at war for the entire time of our existence. Our enemies have been waging a nonstop war with us since 1948.
Support your President. He is not like the war criminal who started a war in Iraq for profit. A war which has caused a proliferation of deadly weapons. Weapons that are now in the hands of any who have the price.
As the Cheney contingent wanted. They have made a huge profit on selling weapons, waging war, and offering protection to the very nations that their weapons and wars have endangered.
I have served two terms at the front for my country. I will server another before my release. I have a reason to hate war. I could be killed.
But I understand the need to stand up to those who would take the freedoms I love from me and those I care about.
You have a political party that profits from selling fear, hate, and racist dogma to its constituents. Your ex criminal president Bush used those elements to cower the other party into acquiesce while his party, changed the financial balance of the world.
So the Dougs’ blame the Anonzs’ who saw the cowardice of the people as an opportunity to make themselves wealthy beyond the imagination.
But the same little men and party who made it all possible are poised to rise to power once again. They can’t wait for the ignorant, greedy, racists, xenophobic, voters to return them to power so they can once again serve their rich masters.
While we the small countries of the world have to suffer the consequences. If we must,may we do it without the ignorant blutterings of the Zen Lills and Dougs.
Dafne
October 15th, 2010 at 1:55 pm
What is the sense of Americans gaining a man of Obama’s qualities when they do not support him while expecting him to change over night what his predecessors built in a decade.
If only he knew that many countries are rooting for his success.
Heidi
October 15th, 2010 at 1:58 pm
Women of Africa when you write in and shame your African men, you send before Allah.
It is the duty of your families to find you and punish you severely.
Go
October 15th, 2010 at 2:03 pm
Committed to Equality; Working for Young Americans
October 15, 2010
Committed to Equality
The recent outbreak of youth suicides around the nation by LGBT teens who have been teased and bullied is a clarion call for our country that we must take immediate action to stop the bullying now.
Our schools and society must affirm the respect that each and every child deserves and ensure the safety of all kids. If you are a child who is hurt and suffering, please know that it does get better, and there are people prepared to talk and get you help at The Trevor Project and the San Francisco LGBT Community Center.
As we continue our work to ensure the equal rights of every American, I am confident that the discriminatory “Don’t Ask, Don’t Tell” policy will be history by the end of the year. As a court challenge continues, I continue my call for a moratorium on any further discharges.
The House has already passed legislation to repeal this policy, but Senate Republicans refuse to even allow the debate – putting partisan politics above our troops and our values.
We will not stop until we finish ending discrimination in the military and in the workplace by repealing DADT and enacting the fully-inclusive Employment Non-Discrimination Act.
Working for Young Americans
The Democratic-led Congress is working to address issues that affect America’s students and young people – from raising the minimum wage to the largest investment in college aid in history. Below are highlights of the 111th Congress’ accomplishments for young people.
Congresswoman Pelosi greets San Francisco City Hall Fellows on Treasure Island.
Student Aid and Fiscal Responsibility Act: Makes the largest investment in college aid in history, at no cost to the taxpayer Invests $36 billion over 10 years to increase the maximum Pell Grant to $5,550 in 2010 and to nearly $6,000 by 2017
Starting in 2014, borrowers will not have to pay more than 10 percent of their discretionary income in loan repayments Invests $500 million a year for the next four years in improving our community colleges
Affordable Care Act: Allows young people to stay on their parents’ health plan until their 26th birthday
Education Jobs and Medicaid Assistance Act: Creates and saves about 319,000 Education jobs
America Competes Act: Creates scholarships for 25,000 new highly qualified math and science teachers over the next 5 years
Minimum Wage Increase: In 2007, provided the first minimum wage increase in 10 years – raising the minimum wage from $5.15 an hour to $7.25 an hour in three increments over two years
Credit Cardholders’ Bill of Rights: Provides tough protections for credit cardholders, including prohibiting retroactive interest rate hikes on existing balances and banning double-cycle billing (charging interest twice for balances paid on time)
Please feel free to forward this information to your family and friends. To learn more about these efforts, to express your views, or to sign up for email updates, please visit my Web site. I am now on Twitter http://twitter.com/SpeakerPelosi.
Sincerely,
Member of Congress
October 15th, 2010 at 2:37 pm
Dafne, I believe you are reading a lot into what I wrote above or have written at any point, I have never made commentary on Obama and the Iraq war or any war he’s been involved in, no I didn’t grow up in the midst of a war – as you have, I’m sorry that you’ve had to deal with all that that entails…but, if you think what I say is ignorant blathering bc I’m American and living some cushy life, so be it…I’m not self righteous in that way, no need to defend myself further, you have the right to believe what you’d like about me, and I’m not given to groveling for approval from anyone anyway.
Again, I have no influence over anyone’s elses actions/choices, that includes Anonz. If you were a Nato man or a Nato man’s family member you would want Anonz to stop even though what they’re doing is noble, if you are a Sudanese you would want him to continue bc you want to survive, as I have always believed – opinions are always based on perspective. Unfortunately or fortunately, I do understand the reasons behind everyone’s perspective on this one. I have no answer for any of you, Anonz makes his own calls, that’s the last time I’ll say it.
- ZL
October 15th, 2010 at 2:43 pm
This is one american who agrees with you, Dafne. I think Huffington Post also agrees.
==================
We finally found out the real problem with the mainstream media: They’re agnostic on sanity. That’s the only conclusion that can be drawn from the refusal of mainstream-media organizations to allow their employees to attend Jon Stewart’s Rally to Restore Sanity.
That’s right, in a showdown between nonpartisan sanity and partisan madness, the traditional media have boldly decided to… not take a stand.
This media groupthink explains a lot — including why we find ourselves in a time and place in our country in which a rally to restore sanity is even necessary.
Taking a stand for sanity is neither right nor left. It’s reasonable. That’s why HuffPost is providing buses for people who need a ride to the rally.
At the moment, more than 10,000 people have signed up to allow us to drive them sane. Yes, that will be a lot of buses — but there’s a lot of sanity to restore. Click here to read more.
==================
No one holds another accountable.
Barry
October 15th, 2010 at 2:45 pm
OK so I called this war senseless…I never said Obama got us into it, just want him to halt it if possible, so shoot me. what or who would I die for? There are several things/people I’d take a bullet for if I thought it necessary. I’m done now. Guess I did need to defend what I said somewhat…- ZL
October 15th, 2010 at 2:47 pm
Zen lill
I can see your point of view. You speak from the heart.
October 15th, 2010 at 2:50 pm
If I hear one more word about this bleeping nigger and his good intentions I’ll SCREAM!!!!!!!!!!!!!!!!!!!!!!
October 15th, 2010 at 2:52 pm
I can’t believe the stuff people write in here. Are you people crazy?
October 15th, 2010 at 2:56 pm
It was that time, during the Sunday morning service, for the children’s sermon.
All the children were invited to come forward. One little girl was wearing a particularly pretty dress and, as she sat down, the pastor leaned over and said, “That is a very pretty dress.
Is it your Easter Dress?” The little girl replied, directly into the pastor’s clip-on microphone, “Yes and my Mom says it’s a bitch to iron.”
October 15th, 2010 at 3:03 pm
Michelle
Where are the other pictures of Zen Lill? Don’t let jealously hold you back. Publish them.
October 16th, 2010 at 7:37 am
Cash in Matured Saving Bonds…
Bob Carlson
Bob Carlson’s Retirement Watch
More than 40 million Series E savings bonds that are over 30 years old and worth more than $16 billion no longer pay interest but remain outstanding.
If any belong to you or your family, you can redeem them for cash.
Helpful: The new Treasury Hunt Web site (www.treasuryhunt.gov) will let you find expired savings bonds issued in 1974 or later through its searchable database of bonds registered to Social Security numbers.
(Bonds issued before then weren’t registered to Social Security numbers.) The site also contains useful information about what to do regarding lost and/or matured bonds.
October 16th, 2010 at 7:38 am
HAPPY BIRTHDAY ZEN LILL!
I hope this is a great day for you.
Larry
October 16th, 2010 at 8:10 am
So Michelle are you holding back or not?
October 16th, 2010 at 8:14 am
Hafa adai
Just so you know In order to comply with the court order by the District Court of Guam, the Guam Election Commission has issued a release relative to compliance.
Pursuant to the Uniformed and Overseas Citizens Absentee Voting Act, voters may submit a request to the GEC to receive their 2010 General Election federal ballot by e-mail.
A request can be made by e-mailing an absentee ballot application to the GEC to director@gec.guam.gov or via fax at 477-1895.
That should help a lot.
Peter
October 16th, 2010 at 8:35 am
Michelle
Did you see the NYT article on the creation of a “Tea Party caucus”? Rand Paul, Sharron Angle, and Ron Johnson are either leading by a hair or tied in polls.
You need to take Madaline up on her offer. Them Dems are poised to lose big.
Scott