11.   Q. A bank financial specialist has been urging me for months to reinvest my IRA CD in stocks or annuities.

12.   Since you plan to call on this money in three to four years, financial specialists would view this as short-term money.

13.   Some European financial specialists are more concerned about the increased power of U.S. investment banks than they are heartened by the coming of the euro, he said.

14.   That quirk in who can claim the credit opens up some financial planning opportunities, say tax and financial specialists.

15.   The services come not only from financial specialists like Reuters, Bloomberg Financial Markets and Dow Jones, but also from mass-market generalists like CNN and NBC.

16.   Tuesday, financial specialists were hoping that perhaps one rate hike might be enough to satisfy the Fed.

17.   --www.cpapfs.org is the site for certified public accountants who have also earned the personal financial specialist designation.

18.   He contacted people in a major European harbor, including dock workers, transportation and financial specialists, even pimps in local red-light districts.

19.   He was hired by the Bank of Malawi as institutional financial specialist for agricultural credit.

20.   Kellogg Corp. has hired Thomas J. Webb, a Ford Motor Co. financial specialist, as its chief financial officer.