Archive for the ‘Financial’ Category


Where To Go To Get Your Financial Answers

by como ·

Financial answers need to be accurate. In dealing with financial questions, issues and matters, it is best if the answers are founded on proven truths, and not just mere hearsays, and assumptions. Even educated guess is not given merit.

If you have any questions regarding your finances, you can get straight and correct answers from different sources. The most common are the financial books. If you are looking for financial facts, figures and statistics, you can get the information from national bank financial departments, financial trust institutions and commercial banks.

There are general areas of finance. These are the business finance, personal finance and public finance. Now, these are all serious matters. Anybody who speaks of any of these subjects must have in-depth knowledge.

If you ask anybody, the answers you could get could be wrong. Financial books that are published, read, and used by professors, students, financial analysts and wide-readers are known to be factual and accurate.

For example, if you need financial answers about Managerial finance, financial books of that subject can provide the best answer. Besides books, you can also find what you are looking for in other financial publications such as financial reports, encyclopedias, and financial magazines.

Another source of information can be the professors. If you ask a professors who specializes in finance and financial management, his answers may come from different books and other research.

Professors have devoted several years studying their specific fields in order to become an expert. Besides being a professor, some of them also work as financial analysts, economy watchers and so forth.

High officials working from financial institutions are also capable of giving excellent financial answers. If you want to know simple answers on law of supply and demand, depreciation and appreciation of currency, global market or globalization, then, these individuals are the masters.

Besides their high level of education and rigid training, they have many years of being in the front line of making crucial decision, in behalf of their company or state.

Now, if you cannot visit a school or State library because you are busy, you can still get your accurate and correct financial answers. The internet today can do that. Now, on the web are many thousand of sites that provide information about almost anything your mind can conceive. There are community rooms, discussion and forum rooms that you can join and post any query.

Anybody who happens to read your question can give financial answers. The question is; are the answers you received accurate? You can never tell. You may check a few sources to verify. But then again, that is tantamount to doing the research yourself.

In order to save time, you may get financial answers from the web. But you have to pay for them. There are experts working on the web who are willing to share their expertise to anybody who is willing to pay for their efforts. The good thing about them is you can ask for a refund, if you are not satisfied with their work.


Financial Times Backs Morocco For Investment

by como ·

An article in The Financial Times by Heba Saleh recently recognised that Morocco’s economy is remarkably immune from the economic challenges facing many other countries around the world. There is solid evidence to show it is maintaining economic stability in the face of the global credit crisis.

“The numbers in 2008 are certainly showing the very great resilience of the Moroccan economy in the context of international turmoil.” said Frances Clottes, head of the World Bank in Morocco. Despite the continuing reliance on agriculture for employment, increased revenue has come from tourism and corporate tax receipts – which rose 70% due to the higher level of investment in the country.

The most notable overseas investment has come from Renault, which is putting $1 billion into a new manufacturing plant adjacent to the new Tangier Med Port inside the Free Trade Zone. When complete the Port alone will generate around 100,000 new jobs and will be the largest such facility in the Mediterranean. The deal on its own is significant but ambitious locals are seeking to use this recognition by an internationally respected corporation to attract many other companies to the area, especially those in the aeronautical and automotive industries.

Morocco’s economic stability and the attraction of the Free Trade Zone in Tangier look likely to attract significant levels of further investment. All analysts foresee continuing high demand for property as the wealth created spreads through the Moroccan professional classes and expat professionals look for “western standard” accommodation.

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How to Find a Good Financial Advisor

by como ·

The Secret to Finding a Good Financial Advisor
By Jennifer Black

Questions you should ask a financial advisor when deciding with whom you are going to work.

1.How often do they meet with their clients?

It is important to know how often your financial advisor expects to meet with you. As your personal situation changes you want to ensure that they are willing to meet frequently enough to be able to update your investment portfolio in response to those changes. Advisors will meet with their clients at varying frequencies. If you are planning to meet with your advisor once a year and something were to come up that you thought was important to discuss with them; would they make themselves available to meet with you? You want your advisor to always be working with current information and have full knowledge of your situation at any given time. If your situation does change then it is important to communicate this with your financial advisor.

2.Ask if you can see a sample of a financial plan that they have previously prepared for a client.

It is important that you are comfortable with the information that your advisor will provide to you, and that it is furnished in a comprehensive and usable manner. They may not have a sample available, but they would be able to access one that they had fashioned previously for a client, and be able to share it with you by removing all of the client specific information prior to you viewing it. This will help you to understand how they work to help their clients to reach their goals. It will also allow you to see how they track and measure their results, and determine if those results are in line with clients goals. Also, if they can demonstrate how they help with the planning process, it will let you know that they actually do financial “planning”, and not just investing.

3. Ask how the advisor is compensated and how that translates into any costs for you.

There are only a few different ways for advisors to be compensated. The first and most common method is for an advisor to receive a commission in return for their services. A second, newer form of compensation has advisors being paid a fee on a percentage of the clients total assets under management. This fee is charged to the client on an annual basis and is usually somewhere between 1% and 2.5%. This is also more common on some of the stock portfolios that are discretionarily managed. Some advisors believe that this will become the standard for compensation in the future. Most financial institutions offer the same amount of compensation, but there are cases in which some companies will compensate more than others, introducing a possible conflict of interest. It is important to understand how your financial advisor is compensated, so that you will be aware of any suggestions that they make, which may be in their best interests instead of your own. It is also very important for them to know how to speak freely with you about how they are being compensated. The third method of compensation is for an advisor to be paid up front on the investment purchases. This is typically calculated on a percentage basis as well, but is usually a higher percentage, approximately 3% to 5% as a onetime fee. The final method of compensation is a mix of any of the above. Depending on the advisor they may be transitioning between different structures or they may alter the structures depending on your situation. If you have some shorter term money that is being invested, then the commission from the fund company on that purchase will not be the best way to invest that money. They may choose to invest it with the front end fee to prevent a higher cost to you. In any case, you will want to be aware, before entering into this relationship, if and how, any of the above methods will translate into costs for you. For example, will there be a cost for transferring your assets from another advisor? Most advisors will cover the costs incurred during the transfer.

4. Does your advisor have a Certified Financial Planner Designation?

The certified financial planner (CFP) designation is well recognized across Canada. It affirms that your financial planner has taken the complex course on financial planning. More importantly, it ensures that they have been able to demonstrate through success on a test, encompassing a variety of areas, that they understand financial planning, and can apply this knowledge to many different applications. These areas include many aspects of investing, retirement planning, insurance and tax. It shows that your advisor has a broader and higher level of understanding than the average financial advisor.

5. What designations do they have that relate to your situation?

A Certified Financial Planner (CFP) should spend the time to look at your whole situation and help with planning for the future, and for achieving your financial goals.
A Certified Financial Analyst (CFA) typically has more focus on stock picking. They are usually more focused on selecting the investments that go into your portfolio and looking at the analytical side of those investments. They are a better fit if you are looking for someone to recommend certain stocks that they feel are hot. A CFA will usually have less frequent meetings and be more likely to pick up the phone and make a call to recommend purchasing or selling a specific stock.
A Certified Life Underwriter (CLU) has more insurance knowledge and will usually provide more insurance solutions to help you in reaching your goals. They are very good at providing techniques to preserve an estate and passing assets on to beneficiaries. A CLU will generally meet with their clients once a year to review their insurance picture. They will be less involved with investment planning.
All of these designations are well recognized across Canada and each one brings a unique focus on your situation. Your financial needs and the type of relationship you wish to have with your advisor, will help you to determine the necessary credentials for your advisor.

6. Have they done any extra courses and for what reasons?

Ask your prospective advisor why they have done their extra courses and how that pertains to your personal situation. If an advisor has taken a course with a financial focus, that also deals with seniors, you should ask why they have taken this course. What benefits did they achieve? It is fairly easy to take a number of courses and get several new designations. But it is really interesting when you ask the advisor why they took a certain course, and how they perceive that it will add to the services offered to their clients.

7. Who will be meeting with you?

In future meetings will you be meeting with the financial advisor, or with their assistant? It is your personal preference whether or not you wish to meet with someone other than the financial advisor. But, if you want that personal attention and expertise, and you want to work with only one individual, then it is good to know who that person will be, today and in the future.

8. Are you the ideal client for the advisor?

Are your financial needs similar to many of their clients? What can they show you that indicates a specialization in your area and that they have other clients in your situation? Has the advisor created any marketing pieces that are client friendly for those clients in your situation, over and above what they offer other clients? Do they really understand your situation? Once you have explained your personal needs and the type of client you are, it should be easy to determine if you are an ideal client for the services they provide.

9. How many clients do they work with?

It is important to know how many clients your prospective advisor works with. Are you one of 100 clients or one of 1000? Based on your assets are you in the top 15%, or the bottom 15% of their clients? These are important things to know. Ask if you are one of their top clients or one of their bottom clients, if will you receive more attention or less attention?

10. Do they have a network of professionals that they trust and can refer you to when you have a need?

It is valuable for an advisor to have a strong network of professional individuals available to their clients, in which they have full trust. Your advisor should know and trust these individuals completely, so that if an issue arises with them, your advisor will be able to go to bat for you.

11. Ask the financial advisor for a list of clients that you can contact.

Are there any clients that have given testimonials and who would be willing to speak to you about the advisor and the services provided? Ask these individuals how they enjoy working with the advisor and their staff. Ask some of the questions that you have asked the advisor, such as, Who do they meet with when they have their meetings, the advisor or an assistant?

12. How does the financial advisor contribute to the community?

Whether or not this is important to you, it is a good question to ask. You will discover if the advisor has given back to the community and if they are doing things over and above the day-to-day job to give back and help others.

13. How do they feel they will best help you and support you in achieving your goals?

This may be a question that you want to ask the advisor in a second meeting, if you have a two meeting process. Ask: How can they bring value to the relationship? What do they feel they can help you with? What will they do to ensure that you achieve your goals?

14. Do they have any tools that they have developed specifically for their clients?

I have touched on this earlier as well. This is really where you can see if a financial advisor is pro-active and if they specialize in a specific area or a specific type of client. An advisor who is pro-active should be creating some tools or have some processes in place to support their clients in their target market. Some of the tools will be used behind the scenes, but should be able to be explained to you, and provided to you during your relationship, to help you achieve your goals and keep you on track.

15. Do they prefer to meet at their office or are they willing to come to your house and why?

It is a great idea to go to the advisor’s office to meet with them initially if you are able to do so. This will allow you to see their office and their working environment; and, it will give you a sense of what type of an advisor they are, and the clients, with which they work. In the same respect, if you do not live close to their office, you should question if they are willing to come to meet with you at your home. If not, you will want to understand why they want to meet only in their office. Likely, they believe that they can provide the best possible service where all of their paperwork and resources are readily available, despite which questions might arise. They may prefer to come to your home once to see your environs and to get a better understanding and feel for the type of client you are. But, if you are unable to get out to meet with them, or if your situation in this regard changes in the future, you will want to know how this will be managed.

16. Do they do financial planning, and if so, do they charge for it?

If you are looking for somebody who is going to look at your overall situation, and who is going to spend the time to help you plan how to meet your goals, you will want an advisor who is proficient at financial planning. If you are looking for a broker whom you simply want to be able to phone to have them place a trade for you, then you will not need financial planning. Understanding whether financial planning is provided is a key component. Be very careful that you are actually getting financial planning when you ask an advisor if they do financial planning. Also, you must understand whether or not there are any fees associated with the planning service. Some advisors may charge an additional fee for the planning on top of everything else that they do, while others will provide you with an actual financial plan at no additional cost.

17. Do they look at the whole picture or only one area?

It is important to know if the prospective advisor has a particular focus. Are they proficient with investments, insurance, financial planning, retirement planning, taxes, and estates? Will this one person be able to take over all of these areas for you? Will you be able to establish a relationship with one solid individual who understands all aspects of your financial situation? Or will they only help you with your investments and have someone else do your taxes, your insurance, your estate planning and retirement planning? Will you need to go out and find the others who do that? It is important to understand if the advisor can look at the whole picture or only one or two areas. You will be able to achieve your goals more quickly if an advisor can service your entire financial portfolio, because each of those areas mentioned, needs to understand and complement the others, while not undermining them, which may occur if various individuals are working on different aspects of your financial plan.

Things to think about during the process

Is it convenient to meet with the advisor? Are they able to meet with you at a time of your liking, or did you have to go out of your way to set up the initial meeting? Are you comfortable with them and their staff? Do you get a good feeling from what they do and what they say to you? Do you sense that they have your best interests in mind? Is their office setting efficient and comfortable?

Interview a number of different advisors before you make a change. This will help you to understand what each one does differently, and it will give you a good idea as to how they will help you to determine exactly what your goals might be. You might even come to realize that your present situation is the best for you at the moment. Talking to several potential advisors will help you to develop a path toward the achievement of the goals that are most important to you, and help you to understand who is best to partner with, in order to achieve those valued goal


Can You Get Extra Than 1 Modification On A Home Loan Financial Loan

by como ·

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Financial Plan is Important So Why Many of us Don’t Have One

by como ·

We all love to dream about the future we want, but many of us do not like the idea of organizing our finances and preparing a financial plan. It seems that our dream of our future is the fun part, but planning sounds like tedious and boring work. This is evident by the fact that 65% of individuals do not have a financial plan.

A study found that the benefit of having a financial plan is very significant. On average, individuals who had a plan for retirement had two and half times more assets in their retirement than those who did not have a plan. Having a plan is only part of the success equation because working with an advisor and having a financial plan shows that there is a nine to ten times increase in assets than with those who do not work with an advisor and have a financial plan.

This may explain why one third of individuals consider winning the lottery as one of their financial strategies to achieving their financial goals. So why do most of us not have a plan? It cant be because of a lack of awareness since there are many financial institutions that are advertising the importance of planning. There is also a lot of information and material on the subject with millions of results on Google. So when it comes to Financial Planning why is it that we are not prepared? Well here is a list of the three myths that I have experienced people saying.

Myth of Time: In todays fast paced life we are all starved for time. We are so busy in our everyday activities that we feel that taking time for planning is not available. When it comes to planning there is an upfront commitment of time in identifying your life goals and putting together an action to achieve them, but once you complete these steps then it is just a matter of monitoring your progress as time goes on. The time commitment is minimal compared to the return you get by working with an advisor and having a plan done as noted above.

Myth of Knowledge: The financial world, especially today, may seem too complicated with all the information out there. We are exposed to a lot of information and financial lingo. If you start by telling yourself that it is not too complicated and too hard, then you have no excuse not to do it. You may consider participating in a seminar or a workshop. You can start reading books that talk about financial matters. Soon you will learn that the financial world is not complicated once you learn some of the basics.

The Myth of Wealth: I dont have enough savings to worry about a financial plan. If you have savings then you have enough. Having a plan will help you decide not only where you should put your money, it will also help to define the why. I have learned that the why is more important than the how and where. When it comes to planning you need to start somewhere. Dont think that just because you think you dont have enough you should not have a plan. A Financial Plan will help you define the goals and dreams you want to accomplish.


Financial Spread Betting – Trailing Stop Losses

by como ·

In the last article we discovered how the use of ‘stop-losses’ was fundamental to minimising any potential loss, and – golden rule – how we should always automatically set a stop loss trigger for each and every financial spread betting trade we undertake.
In this article we learn how this tool can also help maximise our gain too. Sounds strange that something called a ‘stop-loss’ bet to do with maximising profits too, but read on to find out more.

One of the main benefits of spread betting is that we can cut our losses and ride our gains. As a result, one of the main questions asked is ‘when should I take a gain’, ie what is the right time to exit a successful spread bet? I deal with exit strategies in other articles I have written, but one of the key techniques employed is a self regulating exit tool called a ‘trailing stop loss’.

Imagine you ‘buy’ a bet on a share that you think will rise. Let’s say that it is now moving in the right direction. Remembering our earlier golden rule, we will have already put a stop loss on this trade at the time we took out the bet. And we will have set it at a price below the strike price that matched our risk appetite? Well now we imagine that our bet is newly struck, and move the stop loss up to a similar margin below the new current strike price. And as the price continues to rise, we continue to ‘trail’ it with the stop loss, ever increasing. The vital point here is that we never, ever, put the stop loss back down again. This is a one way move designed to stop us losing out from a reversal of the trend, and it effectively locks in ever increasing amounts of our profits as we go along.

Clearly, this technique either requires you to have the time to follow the price and move the stop loss up in real time, or you need to find a financial spread betting firm that has a tool to allow you to set automated trailing stop losses.

And remember one final point. A ‘stop loss’ only triggers a sale order at the time the price is met. It doesn’t guarantee a buy or sell at that price. You could still lose out to market slippage. The only way to avoid this is to use ‘guaranteed stop losses’ that only some companies provide, and naturally are a little more expensive. Good luck with your financial spread betting!


Get Your Financial House in Order – Before You Lose It!

by como ·

How to Get Started

Do you really know how you’re doing
financially? Do you have to check your wallet and your bank account on a
daily (or even hourly basis) to know how much cash you have? Are you
making purchase decisions based on a plan that you know will lead you to
financial freedom – or at least a good night’s sleep? Take heart –
you’re not alone. Ask a few people to honestly tell you if they have
both their business and personal finances in order and at least 80% or
more will say “not really”.

I teach small business owners how to
run their business operations more effectively. The key is to become
more financially savvy. If you have a handle on your finances, the rest
of the business – managing the people, workflow and your time – will
seem like a walk in the park. Everyone has personal finances, so if you
don’t own a small business, then use these ideas for your personal life.
They apply too!

To have a strong, secure and orderly financial house, you must build it this way:

The foundation of your house is having a money management tracking
system. If you don’t know what you have, you can’t make wise decisions.
Your system must be simple, easy and effective to follow. It should
create a flow in your life that includes dealing with the paper, paying
bills on time, showing you what reality is and saving time and stress at
tax time. Ahhh, what a relief…after that, build a wall.

* The
first wall of your house is to have a plan for the future. Once you have
your foundation and your system flows smoothly, begin to concentrate on
establishing a budget and forecasting for the future. You will use this
as your blueprint for building a stronger house and let it help you
with your spending and saving decisions.

* The second wall of your
house is to know where you are at so you can make changes if necessary
to your dream home. You must measure not only your financial numbers,
but also your operations – including you!

* No house would be
complete without a roof or everything inside can wash away. The roof of
your financial house is your discipline. It is critical as you build
your foundation and a key factor as you firm up your walls. Once your
house is complete, it is way too easy to let up since you think you’re
done. A strong financial house requires maintenance. You are the manager
and steward of your finances. Staying vigilant, mindful and purposeful
takes discipline. Use this in every phase of your financial building
project to keep your day-to-day flow going smoothly, to review your plan
and push yourself with measurable goals!

So…how does one get started? You MUST start with
your foundation. Every business, no matter how small, must have an
“accounting” department. Yep, even us solopreneuers! The IRS says we
must have a good recordkeeping system in place, so be ready in case
you’re ever audited. (This is NO different for our personal finances
either.) Here are three things you can do to shore up your foundation.

Get a paper management “system” in place that provides a stress-free
flow. Corral your financial stuff in one place and create a bill payment
area for you to work. Include a simple filing system for all your
receipts, accounts statements, customer invoices and reports. Have some
retention guidelines to help you decide what to keep and what to toss.

Use some sort of computer tool. QuickBooks for a small business or
Quicken for home. Heck, even use a spreadsheet like Excel if you need to
start somewhere.

* Determine a regular schedule of when you will
handle your financial matters. Create a checklist to help remind you
what to do on a weekly, monthly, quarterly and year-end basis.

get started! Sharpen your discipline now and agree to stick with it for
six months. I promise you’ll see results in just a few months if you
are honest with yourself and make some changes. If you fall off the
cart, get back on! This is the one area in which you are in control.

2008 Debbie Gilster. If you would like to reprint this article, you may
do so absolutely free. You may use the article as is or make minor
changes so long as the byline is reprinted intact and all links are made
live. A courtesy notice of reprint or excerpt is appreciated.


Learn How to Unleash Your Mind Power for Financial gain Love and Fate

by como ·

mind control – these are is abilities often set aside for ascended keepers along with shamans. Thisis a misconception, however. Polished mind power is not a gift. It is a talent that can be developed with practice. Provided you recognize the most professional technique to attain it/p>

Keeping your mind sharp is just as crucial as keeping your body in good condition. Your entire body’s health will reflect on the swiftness of your mind, so knowing just a few very simple tips about how to keep your whole system in order will help you stay alert as well. Read on for a number of simple ways to help both body and mind fight back the ravaging effects of the aging process.

Reading is a fantastic way to work out your mind while enjoying a fantasy or learning new stuff. You want to read a variety of materials. This is so you keep the many areas of your brain operating. As an example, a book filled with stunning photos and information on lands far away will work both the visual and learning areas. To work out your brain’s language center, read a book printed in another language. Be sure to vary the books you read so you avoid becoming uninterested.

Doing sudoku, word searches, crosswords, and other puzzles and games will help keep your mind and memory razor-sharp. These activities meet a need for competitiveness, even if you’re in essence competing with yourself. Nonetheless, they can be fun and you can do them on your breaks. For example, keep a puzzle book and pencil in your restroom so that you can give your mind a quick workout while you’re in there.

Try participating in a sport when you have a very competitive nature. Team sports give you a great exercise for your body while the game itself can help you to build your brain power. Body-eye dexterity is going to also get a boost as you have fun on the field, track, court, or diamond. You can actually keep your body and mind in excellent shape when you do team sports.

Do you know cleaning is a fantastic way to exercise your brain? While you scrub the ceramic tiles, try counting them, or you can reorganize your kitchen. Whenever you clean, your body gets a physical workout and your brain gets busy attempting to keep track of what you’re doing. When you’ve got a nice and clean, organized household, it can positively affect your health and mind.

You’ll be able to spend time outside if you aren’t really into cleaning. As an example, you can start a garden. Gardening entails a great deal of planning and work, so you’ll be working out both your brain and body. Take gardening seriously. Develop a layout of your garden, plan what plants you’ll grow and what they need. You’ll want to take care of your garden often. All of this effort is going to pay off with great mental health!

We must be aware that we need to exercise our body and mind for us to be in good health overall. Living a long, happy and healthy life can be achieved with a bit of effort on your part as long as you take all the tips within this article into account. With these very simple suggestions, you can have a healthy body and a healthy mind, which ultimately translates to a sharp memory.

You have the fundamentals. Are you geared up to let loose the giant within you and exercise inescapable mind control

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Financial Services In Richmond And All The Right Decisions

by como ·

When it comes to financial services, Richmond is a wonderful place to be located. Richmond is conveniently sited close to London with its thriving financial sector. In fact, many people commute daily into London to work at its vast variety of financial institutions and professional services firms- from private banks, investment management firms, private equity houses, stock brokers, traders and accountancy firms to name but a few. London has both breadth and depth in it specialist financial expertise.

Many people benefit from the city’s strong financial planning credentials. Surrey, close to the financial powerhouse of England, means that the people of that county also benefit from the great financial productivity of the city. Many people with an established career choose to have an investment advisor. Busy executives realise that it can be extremely beneficial to engage a high quality investment expert to advise them on how to plan for their future. Rather than spend the time themselves on acquiring very detailed specialist knowledge, which needs constant updating, due to frequently changing tax and pension legislation engaging a financial planning expert can be extremely reassuring. For example, if your investment advisor is a Chartered Financial Planner, you can be sure that he or she will be highly qualified.

Richmond is a great town, close to London to be located in if you are an individual who is interested in the benefits of good financial planning. There are numerous investment advisors in the area who can help you plan for the future. For many people, planning for retirement and knowing that these years are comfortably provided for are important. Many people have clear ideas about at what age they would like to retire and the style in which they would like to spend their retirement years. For some it is having that dream second house whilst for others being able to afford luxurious holidays several times a year to far flung destinations. Developing a clear strategy and financial plan early on in a career is generally a wise decision – giving a person more years to invest for their retirement.

When a financial planner is used to develop a good financial plan taking into account someone’s short and long term aspirations. A financial advisor can also highlight over your career where there is excess income and where there might be a shortfall. For example, when you are starting out on your career, you will have a number of unavoidable commitments which could require a large chunk of your salary, such as your mortgage, your children’s school fees, your pension and your essential insurance policies. In the later stages of your career, when perhaps the mortgage gas been paid off and your children have been educated, there could be more funds available to invest for your retirement years. Once you have retired, your financial advisor can give you sound advice about the best way to manage your finances, when you no longer are receiving an income from employment and require a certain level of income to maintain the standard of life you would like.

Once the strategy has been agreed, the financial planner can then manage a clients investments, ensuring that there is an appropriate asset allocation and that their portfolio is diversified across a number of industrial sectors and geographical areas to reduce the level of risk. The portfolio will be regularly reviewed to check that, despite movements in the stock market, the mix of investments is still appropriate to achieve the financial objectives. A good financial advisor will also keep an eye on costs, to ensure that the costs of investment are kept low.

More individuals need to think about the important of financial services. Richmond has many people who could benefit from good quality financial advice, but it is difficult to take the time to think about the future. Independent financial planning, Surrey County, and London should all be considered related topics when it comes to proper money management. When it comes to finding a respected investment advisor, Richmond and London in general are tough to compete with as there are so many high quality financial services companies to be found. Anyone looking for financial advice in the London area will surely be able to find someone who can help them out rather quickly.


Financial Resolutions for Actors & Artists and Anyone Else Needing a Change

by como ·

I struggled with whether this topic should be the feature article
for December or January. I decided on this month because I think it is
important to use these next few weeks to start developing a plan as to
how you will handle your finances in the New Year. This way you will be
able to start 2007 actually utilizing new strategies, rather than
playing catch up all year.

At Abundance Bound, we begin each of
our live seminars by asking participants to stand up if they truly want
to change their financial picture and actually build wealth. Of course,
every person is always on their feet. The next question, and the one I
would ask you all to think about as you read this newsletter, is: What
active steps are you taking to achieve this? If you’re counting on
winning the lottery or solving your money problems with a trip to Las
Vegas, this isn’t the right place for you. Lottery thinking is a
totally different mindset from what we teach. This may seem obvious,
but we’re amazed at the number of people we talk to – smart, educated
people – who make statements that betray their own version of lottery
thinking. “We’ll just hang in there and everything will turn out
somehow.” Or “As soon as I land that next role, I’ll be on top of
things.” Building wealth is absolutely no different than building an
acting career. Unless you’re pro-actively, consciously working
according to a plan, don’t count on anything turning out on its own.
Success is never an accident.

Personally, and professionally, we
aren’t interested in luck, lotteries or get-rich-quick schemes. We’re
interested in getting, and then giving you, the tools to get out of debt
if necessary, and then the skills to acquire wealth, protect it and
accelerate its growth in a predictable, yet aggressive way.

reality is that most actors don’t become wealthy. We work day in and
day out, (usually not in acting jobs) struggling to pay bills, stay out
of debt and just get ahead for at least one pay period. Many of us can
barely afford our rent, let alone acting classes, headshots, reels,
audition clothes and all of the other things it takes to really pursue
an acting career.

If this describes you, this isn’t the time to
get depressed, it’s time to change your game plan. The potential to
build wealth is available to everyone, and that includes actors and
artists. Stop using the excuse that “I’m too focused on my acting
career to think about anything else.” Nothing will thwart your acting
ambitions faster than financial desperation. It is extremely possible
to create financial security and independence while simultaneously and
aggressively pursuing acting. Once you make the decision to absorb the
specialized knowledge and master some vital skills, you can thrive.

So what’s on your list of New Year’s resolutions? To
lose weight? To exercise more? To spend less? To stop using credit
cards? Why not include a resolution to increase your financial literacy?
How about one to start a cash-producing business? Or to begin investing
by the end of year (even if it is only a few hundred dollars)? Really
committing to improving your financial situation, and working on that
commitment over the course of the year, could mean that next year your
resolutions look rather different.

Maybe you are already at your
ideal weight, because you now have the time and money to use a personal
trainer. Maybe you aren’t worried about spending less because you’ve
made so much more. And as for credit cards, you only use them to pay for
business expenses because of the miles you get, and even then they are
paid in full every month. So, a whole new set of resolutions: to take at
least 3 long weekends away to somewhere new and interesting. To go on a
3 week trip around Europe this summer. To increase your net worth by
$200, 000 (for details on net worth calculations and more, visit us at

The resolutions are just the beginning; they
are your wealth-building starting point. What they should give you is an
incentive to go out and really learn about finances. And I mean really
learn, not just take an evening Learning Annex course. And that is not
to say anything negative about evening courses: they can be incredibly
valuable, if they inspire you into actually taking action beyond
attending the lecture. Otherwise all you have is motivation without
direction, which is never a good idea!

So, make this the year that
you really change your financial picture. Make your resolutions and
stick to them. Decide what, when, how and from whom, you are going to
learn. Then apply it. Because knowledge is not power: applied knowledge
is power. So what you need to do is apply the knowledge you gather to
your financial situation in order to gain power over it.