Sunday, July 25, 2010

How About An Annual Financial Check Up?

How About An Annual Financial Check Up?

by Tinisha Nicole Johnson

We get check ups on our cars, our houses, our bodies and even our pets. However, what about getting an annual financial check up on our life?

We all have dreams and goals. However, certain financial obstacles may put a dent or act as a stop sign against our plans to achieve those goals.

There are many financial changes that can typically occur in any given 12 month period- being laid off of a job, retirement, a natural disaster, a major purchase, an illness, the birth of a child, a marriage, a divorce, a death, cost of college, providing care for an elderly parent and so forth.

What does it mean to get an Annual Financial Check up?

Simply put, it is an annual review of your financial status. Typically, Financial Planners will collect a client’s data (check stubs, checking & credit statements, titles for homes, tax returns, insurance policies, etc.), prioritize their goals, examine resources, make recommendations and implement a plan according to the client’s needs and personal goals.

Whether you are single, married, or have a family, you should want to be in charge of your future. It’s vital to set both short and long-term financial goals. A Financial Planner can help you to achieve these long term goals. Regardless of what your financial situation is, there are Financial Planners who specialize in a variety of areas and cater to your financial needs.

How can you locate a Financial Planner and how do you know if you can trust them?
There are plenty of Financial Planners out there and the relationship you have with a Financial Planner will be very personal. So in addition, also be wary of people who call themselves Financial Planners. A genuine Financial Planner is a Certified Financial Planner (CFP®) that is regulated with the state, has an ethical obligation to act in your interest, has no ethical violations against them and follows a Code of Ethics, which consist of: Integrity, Objectivity, Competence, Fairness, Confidentiality, Professionalism and Diligence. The Financial Planner may work as a Sole Practitioner or with a company. The Financial Planning Association (FPA) and the Certified Financial Planner Board of Standards, Inc. (CFP) both provide listings of Certified Financial Planners throughout the United States.

What can you expect from a Financial Planner?

You can expect them to review your current financial situation thoroughly and honestly. Additionally, they will provide a financial portfolio for you. Depending on your needs and wants, they will help you stretch out the money you already have and can even help you invest the money you are earning. A Financial Planner is interested in helping you meet your long term financial goals for the future.

Lastly, have more control of your financial future in this unpredictable world. And allow an annual financial check up to be apart of your future.

Side Bar:
Certified Financial Planner Board of Standards, Inc.1-800-487-1497
Financial Planning Association1-800-322-4237

Tinisha Nicole Johnson resides in Denver, Colorado with her family. She’s an author, writer and poet. When she’s not writing she’s hosting political teleconferences or reading a good book. Visit the author and learn more on her website:

Monday, July 19, 2010

Five Things to Know About Forex Trading

Five Things to Know About Forex Trading

by Bill Bear

Here are five tips for you before you take on automated forex trading. You need to first ignore all that you have heard. There is a lot of hype surrounding forex trading. The fact is yes, a lot of money can be made, but for you to make it someone else has to lose it. This is true with all investments. Automated forex can help as it will assist you in decision making.

Give up that new car! Yeah that's true, it is possible that if you put money into forex you are going to lose it. Make sure the money you put in is money you can afford to do without. If you take profits then that is great, but if you do not you will be in trouble if you risked money to pay the bills.

You have to follow the news, pay attention and actually learn. Automated forex should be a tool not a crutch. Make sure that you are paying attention to the forex markets, and make sure that you are learning something. The goal would be to trade without software and make money someday! You want to be smarter!

Don't put all your eggs in the same basket. If you just pile all your cash in one currency and it tanks you will be in bad shape, and out of money. Make sure to spread your investments out over various different vehicles so that you have less risk from the market.

Automated forex is a great way to make money, but if you start making money don't think you have figured it out. The markets change and therefore you will run into trouble if you are bragging and not staying on your toes. People who get to cocky will always lose, if you are making cash show off the cash and keep it a secret on how!

About the Author:

There is free ways to do Automated Forex. Find out how to do it with this free information.

Thursday, July 15, 2010

How To get credit card consolidation loans In 3 Easy Steps

How To get credit card consolidation loans In 3 Easy Steps

By: Benny Mills

The World Wide Web is known as a treasure trove of information on almost anything and everything. Possibly you'd be keen on how to get credit card consolidation loans. There is a considerable amount of curiosity about the way to get credit card consolidation loans via the internet. This informative article is all about showing you and teaching you just how to get credit card consolidation loans. Whatever your goals or interest, this informative article will teach you how you can get credit card consolidation loans Read on to discover ways to get credit card consolidation loans in 3 easy steps.


>>>>>>Easily Get credit card consolidation loans Click Here to get started<<<<<<


The initial step is Decide if you have enough debt to make it worthwhile, most lenders look for at least $10,000.00 in credit card debt for a credit card consolidation loan. . You truly need to get this because if not you will just be wasting your time and your time is valuable. You need to avoid, if you have less than $10,000 in credit card debt those companies. The way you do this is by asking that as your first question.

It will be extremely important to finish this initial step correctly, completely and well. If for any reason you cannot complete it correctly, then you might want to consider finding a company that will help walk you through the process.

The 2nd step will be filling out the credit card consolidation loan paperwork. Items that you will need to avoid here are not telling the complete truth on the forms everything will be double checked for accuracy. And you'll also want to avoid filling out applications at too many companies this will lower your credit score.


>>>>>>Easily Get credit card consolidation loans Click Here to get started<<<<<<


The third step is after you get the loan, start trying to live more debt free put less on credit cards and go without those unnecessary items . This will be significant because once you get out of debt the last thing you want to do is get in more debt and this does happen to people often. The most important thing to avoid is getting new credit cards and using the extra credit as a license to charge

Just go through the steps as specified and you ought to not have any difficulties with how to get credit card consolidation loans easily, rapidly and well. Just do the things you have to, for the reasons given and steer clear of the problems and traps explained. Then have fun with the fruits and advantages of having a credit card consolidation loan that you will have earned by your time and effort.

About the Author

Discover tips on how to free yourself from debt by going to our get a credit card consolidation loan site at

(ArticlesBase SC #2838012)

Article Source: - How To get credit card consolidation loans In 3 Easy Steps

Wednesday, July 14, 2010

A Few Ways To Save Money

A Few Ways To Save Money

by Louis Meadowbank

We are continuously looking for ways to save extra money. Having some extra money at the end of the month can really help you get to your monetary goals. The majority of us are familiar with the more ordinary ways to save money. We all know you can always discover novel ways to save more money.

Save up a wide variety of non-perishable items, like food items such as cereal, pasta, and rice, and essential commodities such as soap, toothpaste, and toilet paper. Purchasing in bulk will help you save considerable amounts of money during the year. There are plenty of resources available that will help teach you how to buy in bulk and utilize your storage space.

Also, you can also save a few dollars more by cooking and taking your lunch on the job. Making your lunch will help you avoid paying extra money for lunch. People who drink coffee could invest in a small, reasonably priced coffee maker so you will not have to spend money and buy coffee.

For those of you who live in a city with reliable public transportation, you should take advantage of it. You would not believe how much time and money you save by avoiding long commutes and you can maintain a productive routine on your way to your job. If public transportation is not an option, join a work or neighborhood carpool. You receive the best aspects of public transportation, as well as the benefit of delightful company.

At times, you will be required to acquire some new possessions. Yet, you should never buy anything at the suggested retail price. You will discover Wonderful bargains at thrift stores or recycling stations. Online classified ads and online discount stores can also offer you sizeable discounts. You might find something that appears to be reasonable; keep looking. You would be surprised at how much you can still save on it.

About the Author:

Louis Meadowbank has been writing about money management issues for a long time. He understands that dealing with your money management obligations can be hard. Thus, he is happy to use his knowledge to provide others with recession survival tips.

Tuesday, July 13, 2010

Job Opportunities in Dubai

Job Opportunities in Dubai

By: Stephen Davis

Dubai is located in the United Arab Emirates and is not only one of the world's fastest growing cities, but is also an epicenter for employment and new job opportunities. It is estimated that around 30 new companies are established in this burgeoning city every week; and this has been the case since late 2002.

But why is Dubai such an attractive city to live and work in? The short answer Dubai is tax free. If you live and work in the area you are paid your gross wage with no tax deducted from this amount. Why? Unbelievably, direct personal taxation is against the law, meaning any income you make is 100% yours.

If you are looking in the fields of tourism, IT, media or finance, and are qualified in your area, there is an abundance of job opportunities waiting to be snapped up. Every year, thousands of international people are making the move to Dubai to become part of the workforce and make some rea

About the Author

Stephen Davis is an IT professional and operates the Dubai Hotels and Dubai Jobs Website - a resource for job opportunities, news and information relating to Dubai.

(ArticlesBase SC #63798)

Article Source: - Job Opportunities in Dubai

Monday, July 5, 2010

The Secret To Avoiding The Temptation To Spend Money

The Secret To Avoiding The Temptation To Spend Money

by William Blake

The Secret To Avoiding The Temptation To Spend Money

William Blake

No one wants to go into debt. We try to avoid it if we can, but we fall into the traps of credit cards and delayed payment specials so easily. Curbing our spending requires discipline and an honest effort.

We have to learn to live within our means. This does not mean just having enough money to pay our bills- it means much more, such as having money in a savings account, and emergency money put away just in case.

If you live paycheck to paycheck, this is very dangerous, particularly if you have a family. Things happen that you need extra money to pay for- such as a vehicle breaking down, or a child getting sick. If you don't have the money to pay for these things, you will often have to take money from the bills, which is not good. In order to break this vicious cycle, you need to learn how to spend less money each month.

This type of discipline can only be done with a plan. This plan includes with devising a family budget. The first budget is usually the most difficult to develop, but it gets easier once you know what you are doing, and won't be so time-consuming.

A budget is only as good as the people using it. Keep yourself accountable to someone your spouse, your friend, your parents. Have a person who will call you out if you are spending too much money.

Specialists in behavior say it takes about 2 weeks to make or break a habit. At the beginning of the month, try to start your new budget. If you usually eat out for lunch, try preparing your lunch for a month. Remember to include items for lunch on your grocery list and to pack your lunch the night before work.

In order to spend less, you also need to make other changes. Remember to make lunches for the kids as well the evening before. If you thaw out meat in the morning for that evenings dinner, you won't be tempted to get take-out. Leave yourself notes around the house, car and work until you get used to your new routine.

Get out of the habit of pulling out your checks or credit card whenever someone in your household wants something. You need to decide if that item is necessary. You might find with some searching that you already have that item. Keep your house well organized so you can actually find items, rather than needing to go out and find things you misplace.

If you happen to get as lucky as to get a raise, don't increase your spending; treat the extra income as a way to save more money. Do not include the increase in the family budget. Use the extra cash to put into savings.

You won't be able to change your spending habits over night. It takes some time to change an over-shopper into a frugal one, but it can be done with some work.

Are ( debt consolidators the right solution for your debt problems? Find out how it can affect your financial health at the Debtopedia website. Visit for more information and to get your free copy of my report on credit card debt.