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Choosing A Financial Advisor
With so many financial advisors trying to woo you with their qualifications and experience, how do find one you can trust your finances with? 'Trust' is the keyword here, as you will depend on him/her for your future financial security. A good financial advisor can help you determine which investments are best suited for you, based on your financial goals. He/She will also be able to help you with a savings program to build your assets.
First and foremost, identify your own needs i.e. your risk-tolerance, insurance needs, taxes and whether you want short-term or long-term benefits. Once this is done, choosing a financial advisor becomes easy. Seek references from your friends and get inputs about their own experiences. You then need to interview the advisor and ask him questions about his experience, track record, services provided, investment approach and educational credentials. Gauge your level of comfort with the advisor as you are looking for a long-term relationship. Never hesitate to ask whatever is on your mind; however foolish the questions may sound. Always remember that it is your money and your future.
Ensure that your financial advisor has the time to meet you frequently, perhaps once every three months and explain everything you need to know. He/She should be able to provide you with a quarterly assessment and advice you on any change in strategies. To get this one-to-one personal advantage, select a smaller firm than a larger one with an exhaustive clientele. Make sure that you choose an advisor who is compensated on a fee-only basis rather than on brokerage commissions. Advisors who work on commissions are obviously placing their own financial gains above your efficient financial management. They may recommend frequent and unnecessary transactions to derive benefits from them.
Your advisor should be able to understand your investment style and risk tolerance. He should have the experience and the knowledge to accurately supervise your investments. Someone who has counseled clients and experienced market fluctuations will never let you down. If your advisor has started, managed or owned a business, he/she will have experience that might benefit you. In some cases a formal educational background compensates for a lack of practical experience. But, in any case, it is important that a your advisor works in a team and has experts to fall back on.
Finally, find out if the advisor has any complaints or disciplinary actions on file. For brokers and securities firms, call the NASD's Public Disclosure Hotline and to check on Registered Investment Advisors, call the SEC's Investor Education Hotline. Be careful that you don't handover your hard earned money into unsafe hands. Above everything, use your own judgment. If you want your finances to flourish with time, it is essential that you choose the right advisor.
Investing - Google News
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Expand Your Pool of Investors for Your Company
If you own a company that sells complicated products and you want more investors, consider having topics on your web site that discuss the background needed to understand your products and your company. For example, if your company specializes in producing and researching monoclonal antibodies, post articles discussing exactly what monoclonal antibodies are, how they are produced and what research your company is engaged in.
Commodities - The Next Big Wave of Fortune Building
Have you often wished you could have got in on a tremendous money making opportunity before it took off? How would you feel if you had bought Microsoft stock when it first went public and your investment doubled 5 times? Imagine how rich you would be right now?I'm not saying you should be in Microsoft stock at this time. In fact Microsoft's stock has stayed in the $25 range for years now.
Are You An Investment Dummy Like Me?
I am good at a few things. I can certainly market well and I consult with others about how to bring more attention to their products and services on the internet for a living.
The Truth About Real Estate Investing - Is It Right For You?
You have probably been hearing, seeing and reading that real estate investing is the best thing since sliced bread. There are many late night cable television infomercials spewing out sales pitches for courses that teach you how to buy residential real estate no money down or for next to nothing.
What Is A Fair Market Value, Really? If Youre Going To Trade, Be Sure Its Worth It!
I've been involved in online trading, specifically with stock and index options, for several years. In this time, I've spent a great deal of time thinking about value and the fact that anything, be it a stock or currency or even a house, is worth exactly whatever someone else will pay for it.
POOF goes your RRIF !
Some time ago I attended a seminar where participants were told to burn some money; a reasonably-sized amount of money. You should have heard the gnawing and gnashing of teeth in that room! Step right up, folks, and light it on fire.
Have Analysts Gotten Honest?
It caught my attention when I heard an analyst on a popular financial news program tell investors to sell a stock because too many analysts liked the company, citing the fact that there were no sell ratings.It seemed perfectly logical to me that analysts wouldn't be telling investors to sell 3M (MMM), which has one of the most consistent positive earnings records in the history of the stock markets.
Seecrets on Investment: Tired of Making Huge Losses in the Stock Market - Part 1
Over 80% of all individual investors lose money in any given span of ten years. This figure is likely to be higher, given most people's reluctance to reveal their losses.
Annuity Investment Guide
While there is not a lack of information on annuities, there certainly is a lack of good information. In an age full of information, we are constantly bombarded with irrelevant data.
How to Calculate the Value of Your U.S. Savings Bonds
If you're like many Americans over the age of 55, you've probably had money taken out of your paychecks for years and years in order to purchase U. S.
The Light Crude Continuous Contract closed at $66.13 a barrel Friday, after hitting an all-time high at $67.
Larry, Moe and Curley, Investment Brokers
Larry, Moe and Curley were sitting in their favorite restaurant just off Wall Street having their usual 3 martini lunch and were discussing the day's events and their client portfolios.Larry:"I had 12 calls this morningfrom customers wanting to know why the market was going down".
Boost Your Income With Financial Spread Betting
About 6 years ago I started to notice that certain friends of mine had quit their jobs but continued to live very luxurious lifestyles - seemingly without doing very much. I thought they must just be using up their savings until I discovered they were all making a fantastic living by spending just a few hours a week doing something I had never heard of before - "financial spread betting".
Success Trading: Yet More Basic Terminology for New Traders
In this day and age of online brokers for virtually every market out there, there are some very useful tools that will help protect your account and lock in profits when you have them. It is our recommendation that you use a good online broker and take advantage of not only the low commissions they offer, but also the automated tools that are available.
The Difference Between Investing and Trading
Investing and Trading are not the same thing. The returns you seek, the length of time it takes to achieve those returns, the amount of risk one is prepared to take, and the commitment one can make to monitor the investments dictate the strategy of whether to invest or trade.
Investing As A Sport?
I said last week that money doesn't generally buy happiness, but the lack of it can buy absolute misery. This, by the way, is not just my personal observation.
Begging Your Trust in Africa
The syntax is tortured, the grammar mutilated, but the message - sent by snail mail, telex, fax, or e-mail - is coherent: an African bigwig or his heirs wish to transfer funds amassed in years of graft and venality to a safe bank account in the West. They seek the recipient's permission to make use of his or her inconspicuous services for a percentage of the loot - usually many millions of dollars.
Credit Scores = ROI Profits for Real Estate Investors
Strong credit saves real estate investors money on mortgage finance costs. A good credit score, along with the other credit and mortgage qualifications, means that investors can pay lower fees for financing, such as points and interest charges.
Top Ten Investment Mistakes
1. Lacking an investment plan a/k/a/ "Don't take a trip without packing the map".
California Deparment of Corporations and Franchise Opportunities Law
What CA Needs To Do To Address Issues in FranchisingWe should not allow anymore degradation of California through incessant over regulations in the franchising sector. No other sector of our economy provides as many jobs as franchising.
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