Monthly Archives: June 2014

Some Thoughts On Fee For Service Financial Planning

Do you think financial planning is only something that the wealthy should be interested in or worried about? If you are an average middle class American you may share this preconceived notion. I’m here to say to you that you’re just as worthy of a trusted financial advisor as any high net worth individual out there. Anyone who is ready to take the time to set up a financial plan and evaluate his or her specific financial goals and objectives deserves to enjoy the benefits that financial planning offers.

A good financial plan can save you a great deal of headaches while giving you security for the future. It is some basic planning successfully customized to meet your financial needs. It should always be according to your preferences and should therefore be time-bound as well. This gives you an accurate picture of your financial goals.

Let’s Continue This Analysis

Planning is power. If you know what you’re trying to do in your lifetime and you understand what’s important to you financially and personally, working with a financial planner can give you a service. Without a plan your chances of being able to do whatever you want to do financially in your lifetime becomes a hit in the dark. It is the equivalent of trying to through darts with a blindfold on. Rarely will we hit the target and most of us would not even come close.

So what can a financial advisor do for you? Chances are, if you lead a busy lifestyle like many Americans today you have little time or desire to study financial publications to figure out what’s down there and available to you. Maybe you’re unaware of what things you ought to be concerned about. Living in the information age has enabled us access to more information which is helpful but also challenging. With all the different options out there, how can you be certain you’re doing what is best for you? Also, keep in mind the fact that financial planning isn’t a one-size-fits-all strategy. Just because Bob, the neighbor down the street, has a particular financial product does not mean it will fit your financial plan, too. This is where a trusted financial professional can be a valuable resource. I know from experience that it can be overwhelming to have so many different options to choose from while trying to understand how particular financial products work. Working with a trusted professional will help you understand all of your options which will enable you to make the best decisions for you and your family. Ultimately, this will allow you to develop a plan to reach your financial goals which will increase the probability that your dreams will be a reality.

So how confident are you that you’ll be in a position to do the things that are significant to you today, tomorrow, or in the distant future? If you had to put such a level of confidence on a scale of one to 10, where would you rank? What if you could make that number a 9 or a 10? Considering the services of a financial coach who can help fine tune your financial plan can only be a bad idea. No matter what stage you’re in financially in life, starting a plan could be among the most rewarding things you do for yourself and your family.

Simplifying Complete Financial Planning

Young adults: Most people who intend to pursue further studies at top universities or those who’re just starting out in their career, have to sometimes worry about loans and repaying them. Many a times, a good financial decision in the early part of your independent life can yield you long term benefits. This is why starting young with your financial planning is the right thing to do. Young adults, who start saving early and protect themselves financially against any unforeseen circumstance, are the most financially secure individuals by the time they become middle aged. A financial planner arms you with expertise and resources with which to approach planning your financial future.

That’s right. Most financial writers are convinced (and try to convince you) that tracking every penny you spend is absolutely crucial to your financial success. I’m convinced otherwise. The problem with tracking is that it gets you to focus on the wrong thing. It also helps you completely ignore the most important element crucial to your financial success. Here’s what I mean. Often, people who start tracking aren’t able to keep it up or only end up recording only part of …


And Even More…..

If you have good entrepreneur qualities and wish to be the same, you have been brought to the right place. One of the basic and most significant things about starting a business is preparing a comprehensive and effective business plan outline that can guide you to prepare a good business plan. A good business plan is compulsory if you’re seeking financial aids for starting your business. It is like a business report that includes every information about your future endeavors. When it comes to a business, small or big, investors, lenders, or insurance companies, and finance companies, etc., ask for the business outline so that they are able to judge if your plan is foolproof and profitable. So it is important to develop a good business plan. If you’re wondering how to prepare a business plan proposal, then read further. This article gives you a business plan template that can you get an idea from and write one on your own.

A-z Entry Level Financial Planning Jobs

Accounting is practically a recession-proof field, considering every business needs accountants to record and analyze financial data, among other things. Online classes are easy to find with so many people pursuing careers in accounting. The flexibility of online classes is great for those with hectic schedules that are constantly changing, and a logical choice for anyone with no transportation. While taking courses online sounds appealing, one should consider many things before enrolling.

QUESTION: How do I get a job as an assistant to a financial analyst? (or any entry level position leading to that)?
I have a BA in psychology (graduated in 2007) and very much want to be a financial analyst. I plan to do the CFA (will start level one as soon as I have the money). In the mean time, how should I go about breaking into the field? I don't even know where to begin applying. I am willing to start at the bottom and take any entry level position that can lead me to becoming a financial / security analyst. How do I go about gaining contacts in this industry and getting that interview? I don't exactly see postings for this kind of job online… does anyone have any insider advice they can give me? I really appreciate any help you can offer

  • You are in competition with people with business administration degrees, both bachelors and masters levels. Psych has nothing to do with financial analysis, you probably don't have the math, the accounting, the financial stuff. Jobs are scarce, tens of thousands of financial people laid off, and competition is extreme. Knowing the competition is extreme and you are probably trailing the pack, if you really want this, there are 2 things you absolutely must do. Head for the library! Study everything you can find on finance, financial analysis, the markets, etc. And you must read "What Color Is Your Parachute?" Your librarian knows that book well! It's the real job-hunter's bible. Networking!


  • Online Jewelry Boutique Realities

    What exactly CAN’T you do online these days? It seems like everything is only a mouse click away. One thing that has become more convenient through the internet is shopping. Not only can you shop from the comfort of home without going out and having to deal with the crowds, but in addition, you can score some great deals on the internet that you will not find in any stores.

    We can’t disagree with that

    However, there is some risk involved, especially when you’re shopping for things like jewelry online. That is no reason you’ve got to miss out on the deals, though. You might forgo the experience of shopping in a picturesque little jewelry boutique. However, you can save some serious cash if you know which online jewelry stores to give your business to.

    The key to having a great online jewelry shopping experience is finding an online jewelry store that has a name you can trust. Look for businesses that have been in business a long time and have a reputation for good customer service. One such company is the Designer Jewelry Showcase. This website is home to an internet only jewelry retailer that has more selection than you could find in even the best brick and mortar jewelry store. Their online catalog of runs to the hundreds of pages. They’re the online retail home to over 125 different jewelry designers. They have a verifiable record of customer satisfaction and a good return and exchange policy if what you get is not what you had in mind.

    Another good option for online jewelry shopping is the company Designer Jewelry. This company is known for their wonderful selection of imported jewelry from around the world. They are especially popular with people looking for sterling silver jewelry. Designer Jewelry is another company that has been trading on the internet for quite a long time and presents a proven track record of customer satisfaction.

    Another way to approach your online jewelry shopping is to search for the websites of traditional brick and mortar jewelry stores with which you’re familiar. You can take comfort from knowing that if you purchase something online and you’re not happy with that you can walk into one of their stores and cope with a real person. You also have the comfort of knowing the reputation the company has so you do not have to be afraid of getting ripped off.

    Trusted online stores ? This is a factor that can be confirmed when you’re on a good search in the internet portals. It isn’t necessary that you develop the trust by actually buying for two or three times and then knowing if the online store is trustworthy. You can go through a series of reviews and remarks about the portal and then go for the purchase, for getting more information regarding the jewelry online store.

    Looking for security certificate ? Every time a jewelry store is promoting its collections as cheap jewelry, it does n?t mean that these aren’t of the good quality range. Many manufacturers and jewellers are putting out their collections for the interested buyers through the online modes at cheap rates. Since online stores don’t require plenty of overhead charges, the retailers or dealers can afford to give a good amount of discount.

    Buying cheap jewelry isn’t a foregone conclusion. It is available but you’ve got to make sure that the goods that you’re buying are actually worth the purchase. Checking for the authenticity certificate and finding out the trust factor for a jewelry online store can work wonders in adding the best ornaments to your collections.

    Last but not least, consider buying directly from the designer. This method cuts out the middle man and enables you to cash in on the savings. This is not possible for all designers. However, it is worth checking out before you pay extra for another business to facilitate your sale.

    QUESTION: Online Jewelry boutique?
    I want to start an online jewelry boutique on big cartel etc. but Im having a problem finding suppliers for my boutique as well as getting started any advice ? Actually my fashion sense is above and beyond thanks,

  • Probably because your fashion sense is a zero.