Why Work with a Fee-Only Financial Advisor

When you accept professional advice on how to invest, save and grow your hard earned money, you have certain expectations of your financial advisor: experience, professionalism, ethics and solid and independent financial advice. If you are not working with a financial advisor for fees, you may not get what you negotiated.  With best investment firm Why?

According to the Bureau of Labor Statistics, in 2008 there were more than 208,000 financial advisors in the United States, and that number is expected to increase to 300,000 in 2018. However, of those, only 2,000 are paid and members of the Association National of Personal Financial Advisors (NAPFA). Unlike the financial consultants based on transactions that make money with the commissions obtained from the sale of financial products, the financial advisers of only payment do not sell any product nor work in commissions. Instead, the client pays a flat fee for the independent financial advisory services they provide, rather than the recommended investments. We are going to break it down:

No sales / no commissions

Many financial advisors are "Commission-based", which means that their income is directly related to financial products and the investments they sell to them. Make no mistake, they are selling; These individuals may call themselves financial advisors, but in reality, they are only financial sellers. Here's why: it's more lucrative to recommend certain investment products than others because of the commissions they earn. Therefore, it is very difficult for you, the client, to assess whether the particular investment recommendation of the "advisor" is the most appropriate for your portfolio, or whether it is financially more lucrative for the consultant. In contrast, Fee-Only financial advisors do not sell any products or earn commissions; his only source of income comes from his clients. Therefore, customers understand that Fee-Only Advisor works only for the best interest of their customers, and they are not linked to any investment company, product or even insurance company. As a result, the advice is impartial and independent, without conflicts of interest, they are free to recommend investments and products that are the best for the client instead of the results of the company. It is important to determine who your financial advisor is really working for: do you or the company whose products are being recommended?

Based on fees

In recent years, the term "Fee-Based" was introduced by large investment companies in response to the growing demand for just payment. Beware of the buyer: based on fees is not the same as only payment. Fee-based financial advisors can charge commissions and commissions, and they can also be encouraged to recommend certain products backed by their sponsoring companies.

Fiduciary Standard

A fiduciary is a financial professional who stays in trust, and is legally obligated to put the interests of his clients above his own. Financial advisors with a single rate are the only financial consultants that operate under a fiduciary standard; Transaction-based financial consultants operate under what is known as a suitability standard, which is a much more flexible standard. In addition, Fee-Only financial advisors are highly regulated by state or federal regulators. If your financial advisor is not willing to sign a fiduciary oath pledging to put your interests above yours, then it's time to work with someone who only pays.

Based on solutions vs. Product based

A product-based approach is whereby a specific product is recommended or sold to the customer, sometimes irrespective of the client's particular financial circumstances and objectives. Transaction, commission and fee advisors generally receive training on the products they sell and/or recommend, and adopt a product-based approach to their clients' portfolios. The problem with the product-based approach is that the provision of comprehensive financial advice should be a multi-step process, integrating the client's financial and non-financial holistic reality. Financial advisors with a single rate always adopt a holistic approach to each client and offer more objective advice on a large number of investment options. As part of the holistic approach, Fee-Only financial advisors recognize that they can not work in financial silos, but rather in coordination with the other professional consultants of the client, such as CPA, lawyers, and real estate planners. In this way, customers can be sure that all actions related to their finances are proportional to their needs

The Benefits of Investing Online

Investing and investing online, in particular, can be quite confusing for first-time investors. In order to learn how to invest and a good investment strategy, most mutual funds and stock investors invest professional stockbrokers who are trained in equity investments. Personal intermediaries can provide professional advice when deciding on investment funds or investment funds and can achieve a highly successful investment strategy.

The main job of a stockbroker or investment advisor is to act as an intermediary between the companies and the investment investors in shares. In addition, an investment advisor can help you plan your retirement. First, anyone interested in investing, whether in mutual funds or mutual funds, has to open an account at a brokerage firm. After this first step is out of the way, the investor is taught the basics of how to invest and after that, he or she is free to start buying and selling on the stock market.

A good tip for anyone who is just beginning to enter the world of mutual funds, investment in stocks and mutual funds is to practice a little before actually starting to invest their own money. With the current options provided by an online investment, investors can now make dry investments, that is, participate in simulated actions experiences. Also, keep in mind that most brokerage firms and brokerage firms are willing to offer discounts on the fees charged.

While some companies have offers that allow their clients to invest in mutual funds through them without opening an account, a brokerage account offers many more benefits than just learning to invest. Many brokerage firms also provide assistance to avoid tax problems and offer many other special services. For example, many brokerage companies these days offer assistance with retirement planning.

To get away a bit from regular investments and investment funds, these are some of the most attractive facts about online investment. First, when investing online pay very low commissions, if any. The commissions for investing online can be between 1 and 10 dollars, while the rates of the intermediaries fluctuate between 7 and 70 dollars, depending on the size of your operation. In terms of trading speed, investing online is a little faster, but not much. Still, generally in stock the time of negotiation is essential, so every minute counts.

When you invest online, you also have Internet at your fingertips, so research is also done in real time. Company information, analyst reports and everything else that could help you make a good investment is just a few clicks away. In conclusion, it is strongly recommended to any new person in online investing and investing in general to research and learn how to invest before investing your own hard earned money. There are many good resources on the Internet that will help you learn about investments and help you increase your investment education.

How to Get Started in Real Estate Investing as a Bird Dog

It is very difficult and risky to start with an investment in real estate, especially if you do not have enough capital and experience to support it. Also, if you have bad credit it may seem impossible to start investing in real estate. The risks involved can change lives since it involves a large amount of money and can disappear in an instant if it was used incorrectly.

However, there is also a way for you to start investing in real estate, even if you do not have the cash and experience. And most importantly, they will pay you.

You can do it by being a bird dog. A bird dog is someone who looks for what real estate investors want and gets paid for whatever they have found. He looks for properties that are sold hastily, or properties that are abandoned, depleted or for foreclosure. The dog will search all this type of property and inform its investor about it. Once the investor has closed the deal, the bird dog will receive a commission for finding the property.

Becoming a hunting dog does not require any degree or capital. The only quality that you must possess is the ability to find properties that investors can sell. To begin with, you should look for a company whose business line is to buy problem homes. These companies will tell you what city they are looking to buy from. Just go to the specified place and then you can start looking for properties. However, to be a good bird dog you must have the ability to feel what properties are salable. No investor will work with you if you continue to provide those properties that are very difficult to sell.

The clinging of birds is not a regular work of 9 to 5. In fact, the professionals even dedicate 3 to 4 hours a week for this type of work. A bird dog can work on its own time while receiving full-time payment. Depending on the investor, a bird dog can receive between $ 2000 and $ 5000 per month. The amount will also depend on the quality of the treatment or the benefit obtained by the investor. The grasping of birds is like learning before actually entering the real estate business. This type of work will give you enough cash and experience that you will need in this type of industry.

How To Get The Best Price When Buying Gold And Silver

If you are like most people, you want to get the best place to buy gold and silver prices in your bullion. Beware. There are tons of "interesting prices" out there. You must know the internal methods of the brokers to separate it from your dollars before you start buying.

You must be careful with the promotions and tricks of the brokers of precious metals. Yes, it's a competitive world out there. The market is very crowded and competitive. In an effort to make some runners notice and call attention, they come up with ridiculous promotions and tricks. Take care of them. Think.

Recently, I saw a lot of television ads for a large broker that promoted the benefit of guaranteeing the delivery of their gold in ten days. I do not understand. They have all these testimonial type people talking about how much they love the fact that they can receive their gold in ten days. And that? 99% of the people who buy will have the physical gold they buy in the years to come.

As soon as they get it, they will simply put it in a safe or a safe and they will forget about that. I compared their prices and discovered that they were charging a heavy premium for their gold ... but well, you can get it in ten days. For me, I'd rather pay less for my gold and maybe wait a little longer to get it, than pay more for it ... just for the privilege of getting it a little earlier.

When I order a book on Amazon, I can choose to have it delivered with regular shipping for a couple of dollars, or I can choose to pay 5 times that amount and get the book delivered in one or two days. Who cares. Unless it is absolutely necessary to have it immediately, it is better to wait a little longer and save money. I will have the book for a long time. I think it's better to save the money and wait a few more days to get the book. Hell, sometimes it takes me a long time to read it anyway.

The other day I saw another agent announcement saying: "buy us and we will give you this small, free, cheap and cheap safe". For real? It was the size of a softball. What a fool that is. Are people who are smart enough to buy gold in the first place, will they fall for something as foolish as that? It was like a child's safety. It was the kind of thing a child would put their rock collection on. Are people really going to pay more than they should for their gold, just so they can put that creature a little bit safe? For real?

Another broker who always announced that they have "gold prices at cost price" recently offered "free silver" with the purchase of their gold at cost price. For real? So, can you sell the gold at your expense ... and also afford to give away free silver? Man. How foolish should the general public be? Everything costs money. Do you really expect us to believe that you can afford to manage your business, that you pay huge sums to publish those TV ads 24 hours a day, 7 days a week, telling us that they sell your gold at a cost ... And they give you free money When you buy your gold you are sold at cost? For real? Pellíceme, I must be dreaming. Maybe there is a Santa Claus.

You are the one who pays these silly promotions. Chances are you're already buying gold and silver for some reason. If you're going to buy, why do not you get the best possible price and get as much gold and silver as you can for the money, and forget the stupid scam tricks? Those are for reckless investors. Serious buyers buy the price and do not foolishly think things like this.

Choosing The Right Retirement Village

Retirement is not a bad thing since life is not about a professional career. Many retired people prefer to live in towns that have been specially designed for retirees. There are a number of things that should be taken into account when inspecting retirement villages. These villages are created to serve a good quality of life, and they must provide all the required facilities. The decision to choose a retirement village can be made after consulting the adult children, spouses or residents of the villages in question. More than anything, it's about your needs and desires. In the process, be sure to remember some of the following.

Manage your expenses

First, you must plan how you will cover all future expenses. If you own a large house, you can rent it to pay for a smaller house in the retirement village. The basic benefit of leaving your own home and moving to a retirement community is to cope with changes in lifestyle. A person works for 8-9 hours during their professional life, and after retirement, they often do not have much to do. This sudden change can be dangerous if new confrontations are not found. Your retirement policy, pension funds and investment income and rental properties will be sufficient to obtain some additional services such as ready-to-eat meals, laundry, physical therapy, to name a few in the retirement solutions community. Ask the community administration about the details of all charges residents must pay and verify all costs associated with the community.

Keep your needs in mind

Each retirement village has its own specialties and services. Some villages offer a wide range of facilities, such as medical care, gym, outdoor recreation, indoor recreation and frequent community meetings. Some villages provide services similar to those offered to a patient admitted to the hospital, such as a full-time caregiver, food, and laundry. Others offer independent lifestyles where residents only receive help in selected aspects of life when they need help. You should see if your physical and emotional needs can be met by the installation under consideration. In case of physical needs remember to check things like stairs, floors, bathroom and kitchen accessories. Also, make sure you can live comfortably in the community setting. Depending on your taste and your requirements, there is a retirement community that is right for you.

Consider the amenities

After comparing the different retirement villages based on the primary benefits, start focusing on the secondary benefits offered by the communities in question. The amenities play an important role to bring you happiness. Some communities offer recreational areas, such as common rooms or meeting rooms that can be used by all visitors to the community. These community rooms can be used to play games such as bingo, chess, scrabble or to enjoy movies and music. Other facilities can also offer spa services. A community with more characteristics to keep you busy is usually the best, since, before retirement, most of the elderly people led an active life.

The Best Places in South Africa To Buy Property

It does not matter if you are a raincoat or a Pamplona, if you prefer the starry sky or the bustle of a busy city or town, or if you love the sound of waves crashing on the rocks, each of us yearns for the safety of a safe home, which makes it the number one priority when looking for homes for sale Best investment option in South Africa.

Unfortunately, South Africa has earned a rather deteriorated reputation when it comes to safety, so it's really important to find your special home in a safe environment.

Choose your investment for life and the largest purchase with care, with the utmost security in mind, choosing houses for sale only in secure areas. Believe it or not, there are still many places to find that are safe and quiet in South Africa

Cape Town is one of the most magnificent cities in the world, with wonderful suburbs, clean and safe. Most areas in and around Cape Town are a good choice, they have a large selection of houses for sale and, in general, are considered safe to live. Few places in the world can overcome the charisma that Cape Town offers to many, including international tourists.

The west coast of South Africa offers an idyllic existence if you are looking for a smaller place to settle. Small cities like Yzerfontein, St Helena Bay, and Church haven offer the kind of lifestyle that dreams are made of.

The small cities that are in the Karoo, such as Beaufort West, Brits town, Carlsberg, Hanover and Laingsburg, are just some of those mentioned here, frozen in time, with people living at a slow and quiet pace.

Online Marketing for Small Business - Is This Possible

Online marketing for Best small businesses, does it exist?

They ask me this question often. The short answer is that there are tons and it is FREE.

The Internet allows you to enter people's homes. The question is, "How can I put my foot on the door?"

1. The first and most important thing is that you get an email address. If you have a traditional establishment, ask your customers your email address so you can send a newsletter once a month. Have a small gift to give them if they cooperate.

No matter what business you are in, this will do wonders. People develop a steel trust in the people they listen to often to give them valuable and free information.

A morgue could send the latest succession planning guidelines.

A lawyer could send how a law passed that month would affect certain people.

A plumber could tell about a new concept in bathroom accessories, etc.

2. What is even better is if you have a website, yes, even a small one without whistles and bells. Done correctly, your site will be ranked # 1 when people search the local area for whatever interests you. It's in the top 5 where you want to be. It is not hard to do, but you must know what you are doing.

The only dangerous part of creating your own site is that you can fall victim to one of the thousands of get-rich-quick schemes on the Internet. They are really nice places with pictures of money everywhere.

They do not work. Only one thing works. Job.

Can you see now how you can do online marketing for small businesses?

Do you see that there are no better small businesses to start?

If you are interested in learning more and more about the Internet, you may want to develop your site to the point that all you do is work from home.