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Published: Wed, 18 Oct 2017 12:04:07 -0500

 



Money Advice: 20 Minutes Learning to Help Make You Rich

Tue, 17 Oct 2017 08:47:28 -0500

Money advice: What money advice can you learn in 20 minutes to help you become rich? Here discussed 19 wise money tips to make you rich painlessly but with ironclad willpower. Napoleon Hill wrote: "to become rich consist of doing." Thus, get the wisdom here and act on it. You will become rich.



Benefits of IFSC Bank Codes

Mon, 09 Oct 2017 13:36:22 -0500

With internet banking becoming such a snowballing phenomenon, banks have to ramp up the accuracy and safety of such transactions. One of the ways to do that is by making details such as the IFSC number of the participating banks a mandatory pre-requisite when conducting these digital transactions.



5 Reasons Financial Planning Is Different For Women Than Men

Thu, 05 Oct 2017 11:37:49 -0500

Financial planning saves a lot of stress and anxiety over money. Both men and women - single or married - should take part in planning for their future. But women face a different set of challenges...



Planning and Achieving Financial Fitness in Singapore

Mon, 02 Oct 2017 07:44:51 -0500

This article gives reader a step-by-step overview of how to plan for and achieve financial fitness - from settling debt to investing excess cash flow. Each step is explained, in laymen terms, to ensure that readers grasp the concept at a glance.



How Does the RBI Rate Cut Impact FD Interest Rates?

Tue, 05 Sep 2017 14:02:25 -0500

RBI lends money to banks at a specific rate of interest which is known as the repo rate. Whenever RBI cuts the repo rate, banks reduce FD interest rates as they can now borrow from the Reserve Bank at lower rates. Banks take some time to implement rate cuts. It is this window that investors should utilise to invest in fixed deposits that offer higher interest rates. Before investing, investors should use FD calculators to find out the maturity amount and interest they would get on investments.



Stock Compensation Classification & Valuation in Divorce

Fri, 01 Sep 2017 19:01:59 -0500

Dividing stock compensation during the divorce process is one of the most complex issues clients face and it is important divorcing parties seek the proper advice and expertise. Within this article the term "stock options" and "stock compensation" are interchangeable and describe company benefit plans that award employees through stock compensation over a length of time called the "vesting schedule".



Will RoboAdvisors Inadvertently Cause Artificial Intelligent Market Makers?

Wed, 30 Aug 2017 06:47:07 -0500

Due to over regulation in the Financial Planning Sector most CFP (Certified Financial Planners) cannot afford to take clients who have less than $500,000 in net worth. This now leaves a huge gap in the market and means most in the Middle Class are left in the cold. To fill this gap financial firms have developed RoboAdvisors which uses artificial intelligence to help people determine how best to invest their money and develop their financial retirement portfolio based on their income, risk aversion, lifestyle, and time until retirement. On the surface this sounds like a sound solution, but it's not without its own set of challenges - one of which I'd like to discuss here today.



The Ultimate Savings Apps for Non-Savers

Tue, 29 Aug 2017 10:51:10 -0500

Nearly 50% of the American population has no savings set aside for retirement. Why? The reasons vary, however, for most, it is simply a lack of discipline. The apps covered in this article make saving completely hands-free.



The Importance of Knowing Your Break Even Point - BeP

Fri, 25 Aug 2017 11:40:08 -0500

BeP or Break Even Points are at the very core of what determines success for your business; they determine one of the most basic aspects of a trucking business - the hauling rate. The reason why so many trucking firms fail is because they don't factor in operational costs when establish hauling rates.



4 Problems That Legacy Planning Addresses

Tue, 15 Aug 2017 09:52:51 -0500

Legacy planning addresses many of the financial and familial concerns that one may have when leaving behind an estate. This article talks about a few of them here.



Three Lessons Learned on the Red Clay of Kay County

Mon, 14 Aug 2017 13:32:23 -0500

Mentors are incredibly valuable. This article is about the impact my grandpa had on my life and the three most valuable pieces of advice he gave me.



Five Common Ways People Lose Their Retirement Savings

Wed, 09 Aug 2017 11:02:31 -0500

When you've saved your whole life, you want to protect your assets at all costs. Regardless of whether you are nearing retirement or already there, you desire to preserve what you have diligently worked for. But did you know that there are certain behaviors that could cause you to lose your retirement savings?



Don't Squander Your Income

Thu, 03 Aug 2017 11:53:23 -0500

Today's world is brutal for anyone trying to get ahead. The expense of everything makes it hard to save and the cost of living is rising daily. Jobs are also hard to get and people falling through the cracks are now living on the streets in many cities.



Success in Retirement Planning May Start With the "B" Word

Mon, 31 Jul 2017 14:19:01 -0500

When the subject of conversation turns to budgeting folks begin to squirm in their seats, their eyes glaze over and one can almost read their thoughts; "I'm going to have to give up life as I know it!" That is not and should not be the outcome.



5 Benefits of a Multi-Generational Advisory Firm and What It Means For You

Mon, 31 Jul 2017 10:46:18 -0500

Many clients of financial advisors share a common concern and fear. Because the process of finding an individual to trust with their money is not something to be taken lightly, this concern can be magnified. Clients wonder what happens to them if their financial advisor retires or unexpectedly dies. Now what... ? Is your financial advisory firm prepared to deal with these what if scenarios? This commonly voiced concern is why advisory firms and the financial industry have begun focusing more on succession planning and multi-generational advisory teams. If multi-generational has you thinking "Big Deal" or "Who Cares?"... here are 5 benefits of a multi-generational advisory team and what it means for you.



One Dollar

Mon, 31 Jul 2017 09:39:23 -0500

Each of us wants to get ahead. And many are struggling to survive. The Nobel Prize winner, Doctor Albert Schweitzer, was asked: "what's wrong with men today?" He thought for a while. Then answered, "men simply do not think."



Scrap the Paper and Go Paperless

Tue, 25 Jul 2017 07:00:04 -0500

What are the benefits of a paperless lifestyle? Collecting bank statements, invoices, receipts, can cause unnecessary stress. It is important to streamline your life by going paperless and the payoff will be great. There are many benefits and methods of going paperless which are highlighted in this article. You will save time, money and will reduce your environmental impact. Say yes to paperless!



Living by Our Heartfelt Intentions

Thu, 20 Jul 2017 09:57:53 -0500

Let's look at what "Purposeful Spending" really means. It means, you get crystal clear on what you want and need in life and every time you spend, it is in full alignment with what you said you wanted and needed.



Sell Your Property FAST - With an Owner-Financed Mortgage Note

Wed, 19 Jul 2017 14:08:01 -0500

Find scores of buyers for your property with owner-financing. Create a mortgage note on your terms and then sell it for cash.



Money Transfer Threatens - Beware!

Mon, 17 Jul 2017 08:02:18 -0500

Would you trust anyone to babysit your child or care for your dog while you are away, without checking their credentials? Most certainly not, right? At least that's how we hope you would respond.



Saving Money to Save

Thu, 13 Jul 2017 09:40:18 -0500

Most of the personal finance books and blogs talk of saving money by being a smart and frugal shopper by using coupons, buying one get one free, perusing sales circulars or checking in to the merchants phone apps; but I have yet to read any advice on what to actually do with the amount of money that you save. If I just merely acknowledged that I saved half-off retail price on a pair of sneakers which is about a $40 savings then that's one thing, but that just keeps the balance on my checking account higher by $40. I would probably just find another item to spend that $40 on since it is technically free right? Get more retail bang for my buck so to speak. Instead my hack strategy recommendation is to discipline yourself to sweep that $40 you save into your savings account.



3 Mistakes Most Investors Make

Mon, 10 Jul 2017 11:13:05 -0500

Most investors make the same mistake by scattering their "eggs" in different "baskets". You don't have to make this mistake any more!



Five Practical Ways to Have More Money in an Economic Recession

Mon, 10 Jul 2017 08:18:28 -0500

You will agree with me that there is somebody you know who seems to always have more money than you, and you have been wondering what is his/her secret. Now listen up let me tell you how to HAVE MORE IN LESS. This is what am applying in my life and it is working



The 10 Most Common Sales Tricks

Wed, 28 Jun 2017 08:46:41 -0500

What is really happening when someone is trying to sell something to you? Here we reveal just 10 of over 100 tricks and techniques salespeople are taught to use when selling to us.



Top 5 Benefits of Outsourcing Your Bookkeeping Operations

Mon, 26 Jun 2017 10:38:45 -0500

Nowadays doing online business has made us more connected to each other, moreover it has become an important tool in bringing people closer in doing day to day work as well as backend business. Online community has made a difference in bookkeeping. It is like a tedious task which no one wants to do but avoiding it can produce serious repercussions. Thus the business owners want to hire someone who could do bookkeeping for them. Instead of doing it by themselves or doing it in house, business owners are finding it more advantageous by outsourcing it. Below mentioned are its top five benefits:



The Benefits of Donating IRA Distributions to Charity

Sun, 25 Jun 2017 10:45:10 -0500

If you've accumulated a significant amount of money in traditional and rollover individual retirement accounts (IRAs), you may want to consider tax-efficient strategies that can reduce your tax burden and benefit your favored charities. IRAs, while an effective tool for retirement savings, may also create tax challenges when you start taking distributions, which are subject to income tax. So how can you turn your IRA distributions into charitable donations and reduce your tax burden?



Financial Considerations for High-Income, High-Debt Professionals

Sat, 24 Jun 2017 09:34:48 -0500

Doctors, lawyers and other highly-trained professionals often have their sights on lucrative salaries once they complete their courses of study - but many are also saddled with a less pleasant graduation gift: outstanding student loans. For those who've landed a well-paying job in their desired fields, the dual reality of commanding a big salary while being encumbered with debt can lead to financial mistakes. But, as with many complexities in life, having a plan in place can help.



Create a Cash Cushion - Level III to Financial Freedom

Wed, 21 Jun 2017 10:50:31 -0500

After you have completed Level II of the game to Financial Freedom and started a Retirement Plan, it's time for Level III - creating a Cash Cushion. What's it going to take to win this level? You need to have an emergency fund. That's right, you need to set up a simple savings account and start putting away at least 3 months of expenses. Sounds pretty easy, right?



Florida Online Deed Sales - 2017

Tue, 20 Jun 2017 08:02:50 -0500

The reason that there are so many tax deed sales throughout the year in Florida, instead of just one county tax sale each year, is that Florida is really a tax lien state. As long as you do your due diligence on the tax sale properties and only bid on good properties, you won't have to worry about getting the property.



5 Harmful Credit Report Myths

Sun, 11 Jun 2017 10:36:14 -0500

Requests for credit reports from American credit reporting agencies have skyrocketed in recent years. Given the importance of credit, here are five of the most pernicious credit report myths, along with the facts about maintaining your good credit score and history.



Four Simple Tips to Save and Manage Your Money

Fri, 09 Jun 2017 13:25:34 -0500

Saving is great but to actually start saving is easier said than done. One of the biggest obstacles to saving is getting started. Motivation is hard to come by when it comes to saving especially if you are just starting out.



How Artificial Intelligence (AI) Is Disrupting Financial Services

Fri, 09 Jun 2017 13:23:56 -0500

With big data software companies and cloud providers using up a large amount of data, there has been a substantial increase in the practical application of AI. Artificial intelligence is already being applied in a lot of fields to perform a specific task such as medical diagnosis, remote sensing, electronic trading and robot control. Financial institutions have longed used an artificial neural network to detect system changes and abnormal claims while alerting and flagging them for human to investigate.



Best US Binary Option Brokers in 2017

Thu, 08 Jun 2017 09:26:07 -0500

Binary option trading has been a bit of a controversial issue in the US for a while now, at least for those who do not understand the differences between the broker business models allowed in the US and the EU. From the point of view of US financial authorities though, the issue isn't murky at all: only exchanges licensed by regulators like the CFTC (Commodities and Futures Trading Commission) are allowed to operate.



Small Savings Can Make a Big Difference

Wed, 07 Jun 2017 20:54:07 -0500

It can be easy to overlook the importance of saving for retirement, especially when you're focused on shorter-term financial priorities such as buying a new car or saving for college. However, it's crucial to consider your long-term financial security and make saving for retirement a priority. If you start early and save regularly, even small sums can grow into significant retirement savings.



Take a Fresh Look at Your Finances

Wed, 07 Jun 2017 20:43:27 -0500

Remember those financial resolutions you committed to at the beginning of the year? If they seem like a distant memory, the start of summer can be a great time for a reset. Follow the tips below to refocus on your financial goals during the dog days of summer.



How Do Binary Option Brokers Make Their Money?

Wed, 07 Jun 2017 11:18:36 -0500

At face-value, this question is a very simple one to answer: whenever a trader closes a trade out of the money, the broker picks up his/her investment and keeps it. While indeed true, this brief statement doesn't even begin to describe the intricacies of the binary option industry, and the often unpleasant backstage truths. The real answer would be that there are several, honest- as well as underhanded ways for brokers to make money. What's etched in stone about all this though is that being a binary option broker is indeed very profitable.



Investment S&P 500

Wed, 07 Jun 2017 09:56:44 -0500

The S&P 500 is just one of many different indices that Brokers Binary Options offers for use in binary options trades. This is an extremely active market index in terms of trade volume and because of this it can be quite volatile at times. This type of price action actually makes it an excellent selection for binary options traders.



Why You Need to Review Your Insurance Portfolio

Tue, 06 Jun 2017 13:33:07 -0500

Consumers of insurance are often unaware that their insurance needs are constantly changing. While there may be numerous circumstances and events that may lead to this. It is only logical to conclude that you should reevaluate your insurance coverage as years roll by.



From Great Recession to Grand Illusion

Sat, 03 Jun 2017 08:24:01 -0500

From the Great Recession to the Grand Illusion of recovery, growing household debt and the number of families struggling to make ends meet is the story left behind the curtain. Only a few leaders, authors and bloggers expose the underbelly reality hoping for strength in the numbers of those who wake up to the window dressing. As Charles Hugh-Smith puts it, "Welcome to debt-serfdom, the only possible output of the soaring cost of living for the unprotected many who are ruled by a hubris-soaked, subsidized Protected Elite."



7 Levels to Win Financial Freedom

Fri, 02 Jun 2017 14:22:50 -0500

What does financial freedom mean? It's when your income is higher than your expenses. When you can get your money to make enough money to cover your expenses, you've reached financial freedom. It's like running a gauntlet, but it can be accomplished by going through several levels!



5 Amazing Ways Banking Apps Are Enhancing User Experiences

Thu, 01 Jun 2017 07:50:59 -0500

This article throws light on utility of using mobile banking apps for managing financial transactions easier and faster. There has been a rapid increase in the number of people who manage their money via online these days, which, certainly emphasise importance of banking apps.



The 6 Habits of Financial Health

Thu, 18 May 2017 10:16:41 -0500

From the moment you wake up to when you go to sleep, you make constant choices. Should I eat the salad instead of the burger? Should I go jogging after work? And much much more. Over time we form habits, good and bad ones. Every day, we constantly try to implement more good habits in our daily routine. "Running on Tuesday, Friday, and Sunday; High-Intensity Interval Training (HIIT) on Monday and Thursday", those are mine with few "Should I go and grab a coffee with a friend and skip the HIIT for today?". Of course, the better your lifestyle is the better your physical fitness will be. Financial fitness, like physical fitness, is mostly about good habits. Here are the 6 habits to adopt for better financial health.



Critical Decisions in Your Retirement Planning

Tue, 16 May 2017 13:44:49 -0500

Retirement Planning may be looked at as having two distinct phases; the Accumulation Phase and the Distribution Phase. Let's take a look at both. The Accumulation Phase is the period of time between starting your working career and your ultimate retirement.



Five Ways To Make Your Adult Child Financially Independent

Thu, 11 May 2017 07:34:28 -0500

Most people in their 50s and 60s are looking forward to enjoying the fag end of their careers and an easy retirement. Yet, a shocking number of parents continue to provide monetary support to adult children, often putting their own financial security in jeopardy. Find out more about how you can make your adult child financially independent.



Five Biggest Mistakes of Not Hiring an Investment Advisor

Mon, 08 May 2017 13:50:18 -0500

These are the top five common mistakes we see made by individuals not hiring an investment advisor. It's important to understand the job of an investment advisor is much more than picking a fund.



Tips For Saving Money Fast Even If You Are A Spendthrift

Wed, 03 May 2017 06:59:49 -0500

Do you feel that you are spending more than you should? Are you finding it difficult to make both ends meet? Are you still not able to take your family to the exotic locations you like for your annual vacations? Then, it is is high time you must think of ways to save money. In fact, these ways can help you save money quickly as well. Not only that, you need not struggle very hard for adopting these ways. Let us have a look.



7 Essential Ingredients for Your Best Financial Recipe

Wed, 26 Apr 2017 10:55:20 -0500

Do you know the essential ingredients to create your well thought out financial plan? Learn the seven critical steps all financial plans require, and don't make the same mistake my mother did.



Will You Transition The Legacy You Intended To Transition?

Wed, 26 Apr 2017 10:55:09 -0500

When we die, we are going to pass to our loved ones a lasting legacy of who we are. Does your estate plan intentionally pass the legacy you have planned for? We can leave a legacy of angst and frustration, or one of information and understanding. Which one will your's be?



Write It Down As If Your Life Depended On It

Wed, 26 Apr 2017 10:54:08 -0500

Information is critical, especially when one is unable to convey it himself. By writing down your wishes, not only are you protecting your legacy, but you are giving peace to your family.



Not All Dividends Are Created Equal

Sun, 23 Apr 2017 21:42:43 -0500

The word "dividend" is often thrown around so loosely that its meaning gets confusing. Thus it is important to note the difference between Life Insurance Policy dividends and Investment dividends.



My Solution For People's Spending And Views On Negative Interest Rate Alternatives

Fri, 21 Apr 2017 11:10:30 -0500

Never Have Negative Interest Rates. Economic activity is not dependent on the decision of interest rate. The above statement has to be understood deeply by all the people across the world Economic activity is dependent on three dilute principles



How to Protect Your Retirement Accounts

Mon, 17 Apr 2017 10:28:51 -0500

A new move by President Donald Trump which delays and reconsiders the Department of Labor's fiduciary rule, scheduled to go into effect in April, may mean higher costs for individual investors and retirement plans, especially 401(k)s offered by small businesses. Fortunately, the threat of the regulation had already started to change the way financial institutions do business. Some firms have moved away from their higher-cost products and toward making their fees easier to explain to clients.



How To Manage Personal Finances

Fri, 31 Mar 2017 15:01:34 -0500

Usually managing personal finances for many people is a very difficult and stressful thing and it leads many into deeper debts. One needs to understand his or her finances better. Know how to get and make money, how to prudently spend it and how to invest and save it better.



5 Common Retirement Planning Mistakes And How To Avoid Them

Thu, 30 Mar 2017 07:54:05 -0500

At some point, each of us will wonder when we will be able to stop working. If we are smart and begin our retirement planning early and strategically, that day may come sooner than we would initially expect. Unfortunately, too many people commit major mistakes when it comes to planning for the future. Young folks are particularly short-sighted when it comes to setting money aside for the years down the road. There are a few common mistakes that serve as a good warning. Take a look at the following financial what-not-to-dos:



How to Pay Off Your Home Loan Sooner

Sun, 12 Mar 2017 21:10:49 -0500

Are you looking for ways to save on your home loan? Following these simple tips will put you on the path to paying off your loan sooner or if your goal is to purchase an investment property, creating equity from which you can draw on.



Federal Employees, Are You Financially Ready to Retire?

Mon, 06 Mar 2017 15:33:34 -0600

As a Federal Employee it is critical to know where you stand with your retirement. Do you know when you can retire, what age and years service you need to retire with full benefits? Do you know how to best position you Benefits? Are you contributing to much to your TSP? Are you paying to much into FEGLI? Have you compared your Retirement income to your current income?



Planning Considerations for Those Close to Retirement

Fri, 03 Mar 2017 07:45:08 -0600

For those that are a few years away from retirement, the planning objectives start to shift away from accumulation and growth to income planning and capital preservation. There is simply not a "one size fits all" approach mainly because each set of facts and circumstances is different. For example - those that are bringing debt into retirement must consider ways to pay down that debt prior to retirement. Those that are planning to work part-time must consider the tax implications of their earnings and strategize the most efficient way to take social security benefits.



The Main Advantages of Online Rent Collection

Wed, 22 Feb 2017 23:30:15 -0600

It Is Safer The Federal Trade Commission reveals that about 9 million people will be victimized by identity theft each year - that is about 18 people per minute. When the fraud takes place, the FTC estimates that it would take $500 and half an hour for an average victim to resolve each case of identity theft. Except if your tenant personally hands over the check on a monthly basis, the fastest way to fall prey to these types of crimes is by getting a rent check.



Advantages of Collecting Rent Online

Wed, 22 Feb 2017 23:23:52 -0600

Due to very fast Wi-Fi and mobile apps available these days, people can go online to pay their bills and schedule their appointments. Renters also use such technology to pay on time and manage their funds. Handling payments from wherever you are (with no annoying paper checks) is the new standard.



How To Turn Your Negative Cash Statement Into A Positive Cash Statement

Wed, 22 Feb 2017 08:12:34 -0600

Speaking of cash statements - it is not an impossible task to turn it from negative to positive. There are few tips that you always need to keep in mind to control your cash flow. One of the most important things is to cut down all your unwanted expenses.



Are Your Finances Ready for Fun?

Wed, 08 Feb 2017 14:47:02 -0600

While the best things in life are free, as the saying goes, some of life's great experiences do have a price tag. If you're considering fulfilling your childhood dream of hiking the Appalachian Trail or you're offered tickets to see your favorite team play in the championship game, you know these experiences can be costly. Yet these opportunities can be within financial reach if you have a plan and sufficient funds set aside.



Later Life Mortgages

Tue, 07 Feb 2017 10:44:01 -0600

Later Life Mortgages (Equity Release) - allow older people, who otherwise would not be able to release equity - cash - from their homes, generally by way of a mortgage/remortgage, for whatever reason, to do so. Many (but by no means all) reasons for releasing cash from your property are listed below. The Equity Release market is growing massively as people realise that they may as well be enjoying the growth on the value of their properties, rather than leave all the equity tied up until the last partner passes away especially if they have no close relatives to leave it to - even if they do have relatives people are deciding more and more to enjoy the fruits of their labour - while they can.



Top 5 Binary Option Strategies

Fri, 03 Feb 2017 10:00:07 -0600

Your Binary Options strategy determines whether you will win or lose money as a trader. Consequently, many traders are constantly looking for a better strategy to increase their profits. This begs the questions whether there is such a thing as a perfect Binary Options strategy, and, if so, how to find it. In this article, we will answer this question.



Three Simple Tips to Manage Your Money

Fri, 03 Feb 2017 09:47:51 -0600

Having defined goals, controlling your expenses, and planning are connected. You can develop a plan to achieve your goals and control your expenses.There is always a way to improve your financial situation if you know exactly what to do as a business or private individual.



January's Financial Stress

Wed, 01 Feb 2017 13:02:51 -0600

Christmas is over and the bills are arriving. It's time to figure out how you are going to handle the January financial stress. Following are some hints that will help you to get back into control again:



The RESP: Frequently Asked Questions (FAQ)

Fri, 27 Jan 2017 13:22:34 -0600

An RESP is a "Registered Education Savings Plan" and it is a popular tool to save for education. The idea of the RESP is that you would contribute money into an account, and the government would contribute 20% of what you put in up to $500 per year. There are additional grants available, but there are conditions based on having lower income.



10 Ways To Teach Kids About Money

Sat, 21 Jan 2017 10:57:29 -0600

Did your parents teach you about finances when you were growing up? Would this knowledge have made a difference about how much money you have as an adult? Here are ten things you can teach your kids to help them feel confident about money.



10 Personal Finance Tips That Will Change Your Perspective

Tue, 17 Jan 2017 11:08:32 -0600

You've heard all of the common financial advice at least 100 times. How about a few tips that you might not have heard before? A new perspective can generate new thoughts, ideas, and actions. A new perspective might change your financial future and your life.



Taking Bold Financial Risks

Wed, 11 Jan 2017 10:11:18 -0600

'There is a way that seemed right unto a man but the end thereof is destruction' The above saying can be said to be true in some instances, but from the moment when I discovered the true meaning of wealth, I have never met a wealthy man who came into his fortune without having to take certain decisions, actions that seemed futile at that particular moment. It is an obvious fact that making a headway in life requires a certain level of risk taking ability. Your ability to take the 'bull by the horn' in seemingly difficult...



Your Children Can Become Better Personal Finance Managers Than You Are

Tue, 03 Jan 2017 10:13:58 -0600

We live in the era of technology. Websites and mobile apps can help your children to become better personal finance managers than we are.



Equity Trading - 5 Blunders Almost Every First Time Investor Make

Thu, 29 Dec 2016 10:24:00 -0600

By no means is equity trading like rocket-science. However it is complex enough for the new investors- without a good broker by their side- to make the same mistake time and again; like not diversifying the portfolio, unrealistic expectations, short-term vision, believing in rumors and diving straight to day trading. Resolve these mistakes and even novice stands a chance for a higher return.



How to Increase Your Investment Portfolio Efficiency to Outperform

Wed, 28 Dec 2016 08:44:30 -0600

We will discuss how to increase your portfolio's efficiency through a series of proven disciplines. You can increase your investment performance by double digits by implementing our 4 Phase system that we have been providing our clients for two decades. Whether you own stocks, mutual funds or ETFs, knowing when to buy, sell and hold according to your objectives and risk tolerance will increase your rate of return without keeping you up at night.



Year End Outlook

Tue, 27 Dec 2016 08:12:55 -0600

Since November 9, the stock market has rallied about 5%. I am comfortable with this rally and I am cautiously optimistic that it can continue. First, as we have discussed all year, the stock market often moves higher after a Presidential election because the anticipation is over.



Stay Healthy and Wealthy in 2017

Fri, 16 Dec 2016 13:03:37 -0600

It's time to start thinking about your New Year's resolutions for 2017 and a fresh start to the year ahead. When you are thinking about those resolutions you might want to consider some resolutions that could save you money. What are your financial goals for 2017. Here are some tips to help you get into financial shape this year!



Why the Germans Do Not Prefer Electronic Payments

Wed, 14 Dec 2016 08:20:16 -0600

Industry experts are predicting that cash will be obsolete in a few coming years. However, there is a European country which is following a totally opposite trend. In Germany, the use of physical cash is more than any other country in the world. According to a research conducted by Federal Reserve, the people of Germany use cash in 82 percent of their financial transactions.



Banking Problems

Sun, 11 Dec 2016 19:08:38 -0600

Bank fraud is on the rise. When a close friend shares with you their banking problems you begin to realize just how close to home the problem really is. A close friend who takes care of our one hundred old mother checked her bank account on Friday and noticed the balance had dropped.



Post-Truth: Facts Pale by Comparison

Fri, 09 Dec 2016 08:13:51 -0600

Chuckling to myself, I could not pass up the opportunity to highlight the Oxford Dictionaries' international word of the year for 2016, post-truth, an adjective defined as: "relating to or denoting circumstances in which objective facts are less influential in shaping public opinion than appeals to emotion and personal belief." Why was I chuckling?



Funding Your Retirement With After-Tax Dollars

Thu, 08 Dec 2016 07:36:17 -0600

Funding your retirement account can be achieved with either pre-tax, tax-deductible contributions, or after-tax contributions that allow you to withdraw tax-free money when it's time to retire. It is possible to participate simultaneously in both a pre-tax and after-tax retirement plan, if it is permitted by your tax-deductible retirement plan.



10 Financial Opportunities to Consider in 2017

Mon, 05 Dec 2016 13:19:47 -0600

The start of a new year is a great time to take stock of your financial life. Have you done all that you can to put yourself in the best possible position? Or, have you missed out on some important financial opportunities?



What Everybody Should Know About Credit Scores

Fri, 02 Dec 2016 08:35:57 -0600

For starters there are different classifications for what is considered a good credit score. They can also be described as poor, average, good, great, excellent, or even exceptional based on the credit score number that you have. Your credit score will fall within one of these categories, but keep in mind the names for these categories differ from industry to industry but to give you a general idea of how good, or bad your credit score is, we have provided you this article outlining what most lenders or banks, even credit card companies and car dealerships, use to determine the likeliness of providing you with a loan at a reasonable rate.



Year-End Tax Planning: Funding Your Retirement

Wed, 30 Nov 2016 15:24:22 -0600

The year will soon end and if you have not yet done so, consider putting together a tax planning strategy that includes saving for retirement. Entrepreneurs, Solopreneurs and all business owners are our own employers and we must secure our financial futures, whether we'll squeeze a few thousand dollars from modest billable hours or roll in the overflow from a lucrative year. Under no circumstances do we want to be old and broke in America and if one is single and female, that is a real possibility. Fortunately, there are good retirement plan options available to those with a few thousand dollars to spare and the discipline to save. Mostly, taxes are not due until it's time to draw down on the account (age 59 1/2 the youngest and age 70 1/2 the oldest).



Tips for RMD Season

Wed, 30 Nov 2016 11:30:33 -0600

Required minimum distributions, or RMDs, are the taxable payouts that investors must take out of their traditional IRAs, 401(k) plans, 403(b)s, 457s, Simple IRAs and SEP IRAs after turning 70?. Retired households oftentimes have to tap into their retirement accounts for monthly income needs and have no issue meeting the minimum requirements.



The Importance of Gifting

Wed, 30 Nov 2016 11:27:49 -0600

With the holiday season in full swing, most people begin to think about what's on their loved one's annual wish list. While the latest high tech gadget might be a great idea, have you ever thought about how far a monetary gift can go?



Don't Be Scared to Save

Wed, 30 Nov 2016 11:26:50 -0600

re you spooked at trying to save more money? Everyone knows that the sooner they save, the farther it'll go in the long run, but saving is more than just spending less, it's about maximizing your income.



What to Do If Your Bank Tells You Your Savings Rate Has Been Reduced, AGAIN!

Wed, 23 Nov 2016 10:47:55 -0600

With returns on cash accounts having fallen by an average of 75 percent since 2012, this article looks at how to grow your money with low risk investments. Leaving your money languishing in the bank is actually shrinking your wealth - you need to make the transition from saver to investor.



How You Measure Risk Will Affect the Success of Your Retirement

Wed, 16 Nov 2016 08:24:42 -0600

Read our article on why financial planning tools are dangerous for the well-being of your retirement. We will discuss fear tactics used to sell you and how you can use dynamic, up-to-the-minute risk assessment for your portfolio that will lower your volatility and increase your rate of return.



Sometimes Doing What Is Viewed As the Wrong Thing, Is So Right!

Mon, 14 Nov 2016 09:58:00 -0600

The Government have decided not to go ahead with a secondary annuity market in the UK. Some think this is wrong but I think that they have made the right decision on this occasion.



Concerned About Having Enough Money For Retirement?

Fri, 11 Nov 2016 08:27:49 -0600

Are you dreaming about retirement or are you having a hard time sleeping at night because you're not sure when and if that will ever happen? Whether you're in your 40's, 50's, 60's or even 70's, you will want to know that there are options for creating and living the retirement you want. If you're tossing and turning over your retirement concerns every night, this is for you.



Endowment Fund Performance Numbers Posted

Mon, 07 Nov 2016 10:45:42 -0600

A few interesting statistics caught my attention recently as I start to look to planning for 2017. Per Pensions and Investment Magazine - the largest educational institutional investors posted their annual portfolio returns for the year ending September 30th. The average returns posted was -1%. The best in bunch was Yale University which posted a positive return of 3.4%.



How Can I Pay the Rent?

Thu, 03 Nov 2016 10:31:23 -0500

Through Money Order Money order is a secure form of payment (just like a cashier's check), and is derived from prepaid funds that are issued by post offices, banks, groceries or drug stores. Though money orders are great for one-time payments, they are not practical for long-term payments for rent since the tenant needs to go out every month to get one. Through Email Transfer or Direct Deposit Since email transfer and direct deposit are easy and convenient to instantly...



A Few Ways to Pay the Rent

Thu, 03 Nov 2016 10:31:18 -0500

As a landlord, your return of investment comes in the form of rent. If your property is not leased, it does not earn the income that you need to pay the mortgage. However, many landlords have difficulty in collecting the rent.



Tips to Collect Rent and Receive Your Rent Payment on Time

Thu, 03 Nov 2016 10:30:36 -0500

Managing rental properties can be a rewarding business, provided that you are able to manage your cash flow well and collect rent on time. In fact, the biggest factor in your cash flow will be your ability to collect rent on time. Renters are typically stereotyped as people who are not the most responsible when it comes to their finances.



8 Tips to Improve Your Financial Communication

Tue, 01 Nov 2016 15:08:03 -0500

What makes a couple successful in their financial relationship? Ameriprise Financial surveyed over 1,500 couples (those married or living together for at least six months) to learn about their money conversations and how they make decisions. The results revealed eight ways you can improve the financial health of your relationship.



How Each Generation Makes Its Own Set Of Financial Mistakes

Thu, 27 Oct 2016 07:29:12 -0500

As a financial planner, licensed real estate salesperson, business/ organization analyst, event planner, and financial, organizational, and personal consultant, specializing in planning, budgetary, marketing/ sales, and financial matters/ areas, it is not surprising that many of my informal conversations, end up, being about some financial topic. Last weekend, we had a nice dinner with friends, and the woman (who is a well - respected, apparently successful professional) off - handedly stated, she was a terrible business person. This surprised me, because she is knowledgeable, extremely intelligent, well - known, has a large practice, etc.



How to Protect Yourself From "Get Rich Quick" Schemes

Tue, 25 Oct 2016 08:11:21 -0500

How do you differentiate between a legitimate money making idea and a "get rich scheme"? There are indicators that you can use to help you do some homework. You will need to be a detective on this one as there are no short cuts.



The Wealth Effect Failure

Fri, 21 Oct 2016 13:40:54 -0500

People tend to increase spending when the prices of their stock market and real estate assets rise. They perceive it as an increase to their financial security. This is known as the wealth effect. The Financial Burdens Survey tells the rest of the story.



How To Manage Your Financial Problems After Buying A New Home

Fri, 21 Oct 2016 08:31:15 -0500

Changing your living status can drastically change your lifestyle and your financial problems. But you don't worry, because you will get the solution if you are cautious about how you spend your money.



The Value of the Insurance Review

Thu, 13 Oct 2016 14:34:15 -0500

Why should you speak with your insurance agent each and every year? How Speaking with an Insurance Agent can Help you. What can your insurance broker learn by speaking with you?



Pros and Cons of an Electronic Payment System

Mon, 10 Oct 2016 13:53:48 -0500

During this highly technological age, cash is trying hard to compete with electronic money, since nowadays a lot of people choose to use their virtual wallets. Here, you will read about the pros and cons of using an electronic payment system. It is plain to see that electronic payment systems have more advantages than traditional banking services.



Broker Investment Account Statements: Deceptive By Design

Thu, 29 Sep 2016 08:02:57 -0500

Most professional investors would agree that ASSET ALLOCATION (growth purpose vs. income purpose), various DIVERSIFICATION guidelines (position size, sector participation, etc.), fundamental security QUALITY (risk level), and realized INCOME production are important areas of portfolio development that all investors should be helped to understand. Wall Street prepared statements ignore all but one of these...