What to ask when choosing a financial advisor

Financial-AdvisorStudies find that there are two factors that decide how people feel about their financial situation. One is how well their investments are performing and how much money they are making, and the other is how satisfied they are with their financial advisor.

Our investments performing well is completely out of our hands. It is our advisors job to make the right choices and ultimately make us money.

This is why choosing the right advisor is so critical. The best way to pick the right advisor is knowing what to ask when choosing a financial advisor. Here are some questions that would be in your best interest to find out the answers to before going any further.

How much will your services cost?

This seems like an obvious one, but you want to find out specifics. What other fees to they charge? How often are you charged? What sort of pay model do they follow? You want to find out what the initial fee is, if any, and what percentage they will continue to collect from you. You should also find out if they are given an incentives for selling certain products or services. This can help you weed out advisors who are just trying to sell you things for themselves and not for you.

What certifications do you have?

There are several types of certifications and licenses that financial advisors can have. Some are harder to achieve then others. For example, the Certified Financial Planner certification is harder to achieve, while the Chartered Financial Consultant is easier due to the specifications to achieve each. Those who have earned the CFP designation successfully completed a board exam, so might have more knowledge and expertise. Other financial advisors also include CPA, RIA, and PSF. You’ll want to choose one based on your objectives.

What services do you offer?

This will clue you in as to what they can’t help you with. Some firms might just focus on investment advice as opposed to complete financial planning. This can help you determine if they would be a right fit for you.

What kinds of clients have you assisted?

Some clients have specific interests, such as philanthropy, social responsibility, or they need help after a divorce or marriage. Some advisors focus on those who are in similar situations as them or around the same age so they can better serve them.

Do you have sample financial plans?

Financial plans aren’t one size fits all, but this can help give you a better idea of how they work and help you decide what exactly you’re looking for.

What is your investment strategy?

Find out how the advisor plans to invest your money, and ask questions about their plan. There are so many different approaches to investing and this can help you determine if the advisor has the same goals in mind as you do.

How much do you communicate with clients?

Some advisors have yearly check-ins, or phone calls. Some will more involved. Find out where they stand and what you think you need to be successful.


CRM Trends

crm trendsCustomer Relationship Management (CRM) is the easiest and most effective way for businesses to collect and manage their customers’ information. CRM software is a way to collect all of the information you would ever need to know in order to give your customers the best experience, all while gaining new followers and sales. CRM can collect as little or as much information as you want. Demographics, contact information, and online habits are just a few of the topics that businesses learn from their customers through CRM.

Wouldn’t you like to know where your customers spend most of their time online? How about their income and family size? Or better yet, their coveted phone number or email address? You might already be collecting some of this information, which mean you are heading in the right direction and full CRM implementation is just a step away.

You can collect some or all of this information through surveys, exclusive contests, newsletter sign-ups and anything that would require your customer to fill in some of their information. Once collected, you can store and use this information to your advantage. You can better serve your customers through your customer service department by understanding their concerns and needs. You can also use demographics and interest to build better marketing and advertising campaigns that would be more attractive to your target audience.

Like with most thing, trend begin to develop. Here, we will explore some CRM trends that are beginning to make a name for themselves.

Social media has changed the face of business and communication as we know it. Because of this, CRM couldn’t continue to be successful if it didn’t implement social media as well. After all, CRM refers to customer relationships, and some of the best customer relationships are now formed through engagement and interaction on social media platforms.

Social CRM engages customers right through your company’s social media platforms, whether it be Facebook, Twitter, or LinkedIn. Social media is the easiest and often a preferred choice to interact with customers. It provides an open forum to answer questions, educate, and just have a conversation.

Businesses now have the ability to use tools to track and monitor customer conversations on social media platforms in order to help them analyze their target audience and better serve them. This keeps conversation flowing and helps a company make adjusts according to their audience. Companies can even capture how often customers share their posts or “like” them. This information is often merged with other customer information into a single CRM database, and can be helpful for both customer service and marketing departments.

Mobile CRM is also making a place for itself. We live in an on-the-go world, and CRM is no exception. Businesses want to be able to access their databases remotely and have their data at their fingertips. Whether they are in a meeting and want to provide numbers, or they are on the road selling advertising and need to have statistics to back up their claims, mobile CRM is becoming a favorite tool of businesses.


How can I finance equipment for my business?

EquipmentFinanceIf you need equipment for your business, acquiring a business equipment loan would be a smart decision. This way, you can get any type of equipment needed for your business to run, whether it be computers, machinery, or office furniture. Anything required to run your business would qualify.

If you’re familiar with car loans, then you already have a general understanding of equipment financing. The equipment would be used as collateral for the loan, and then a fixed interest rate, a term, and monthly payments would be established. Most interest rates for equipment financing loans are between 8 percent and 30 percent. This may seem like a broad window, but the cost of your equipment will be a factor. The duration of the loan would be linear to the expected life of the equipment. At this point you might be thinking, “How can I finance equipment for my business?”

There are many lenders and equipment firms who would be glad to help you finance your business equipment. Financing equipment differs from equipment leasing because at the end of your term, you own the equipment as opposed to having to return it. You can relate these two options to buying a car. With a car lease, you have your car until your term is over, and it’s never yours. If you buy a car and take a loan and make monthly payments on it, you own the car, and once the term is over, it’s yours.

You have to decide what option is best for your company, and what equipment is necessary before proceeding. If you’re in need of very costly equipment or need a lot of it, then you probably won’t be able to buy your equipment outright. You also need to decide if your company would benefit more from financing or leasing. If you need equipment that is constantly evolving, you might want to lease so you can always have the newest versions. If your equipment is going to be beneficial even if it isn’t the newest, then financing and owning it would benefit you more.

If you do decide to finance, you are most likely wondering about the cost. The good thing about financing is that you don’t have to worry about paying the cost up front, and you probably won’t have to worry about a down payment either. The equipment itself serves as your collateral. Although the cost would end up being more because of interest, you have the ability to spread it out through a longer term and make monthly payments that you feel comfortable with. If you need a piece of equipment that costs $10,000 and the interest rate is 12 percent and your term is 3 years, then you would end up paying almost $12,000 for that piece of equipment. While paying that extra money might not seem good now, you probably wouldn’t be able to pay the cost up front. Your monthly payments could be as low as $300 a month.

Keeping Up With Technology: IPhone Secrets And Advice

iphoneAre you searching for tips on how to better use some of the new apps that are on the market for the iPhone? Well, you’re in luck because the article below offers some great tips on how to find some of the coolest new iPhone apps that are on the market. Read on and learn about those apps!

Take advantage of the weather function on the iPhone to get a grasp of the forecast for the next week. This function allows you to select the specific town that you live in along with other areas that can help you get a better idea of weather in a particular area.

Take full advantage of the video function in the camera section of the iPhone. This allows you to take high-quality videos of up to a minute long into your phone. When you are completed with your video, you can go to the photographs section and replay or send the video to a friend.

Save a wet iPhone with white rice! If you are unfortunate enough to drop your beloved iPhone in the toilet or a puddle, all is not lost. Do not turn the phone on. Dry it with a towel. Then, place the phone inside a zippered freezer bag filled with uncooked white rice. The next morning, there is a good chance your previously wet iPhone will work again.

If you happen to get the iPhone wet, the last thing you want to do is turn it on. By turning it on you run the risk of short circuiting the product. Instead, you should towel dry it and then put it into a Ziploc bag. After that place it in a bowl of uncooked rice and let it sit there until the moisture dries up.

Does your message require an accent or an umlaut over a letter? It is easy; this is what must be done. Touch and hold the particular letter you want additional options for and keep your finger on it for a couple of seconds. A box will appear with some extra keys. You can then type whatever you want!

Tired of your screen switching from landscape to portrait orientation at the slightest movement? Start by double-tapping the Home button to bring up a selection of recently used apps. Press the far-left button, which is a gray icon with an arrow. You will then receive a message confirming that the phone is locked in portrait orientation.

There is a simple way for you to delete your emails on your iPhone, rather than going through them all one-by-one. When in your inbox, click on the edit button. Then, use your finger to check off the emails you want to get rid of and choose the delete option.

Now, after taking in the above information, you should be an expert on where to locate all the new and latest iPhone apps that are on the market. Use the tips and tricks you learned here to help you understand how to find and better use those apps on your iPhone.

Tips That Will Assist You With Public Speaking

Tips That Will Assist You With Public SpeakingYou are here because you want to be a good public speaker and don’t know where to begin. Everyone would like to better their skills in this area, but sadly they don’t even know where to begin. Public speaking is scary when you don’t have great tips to help you along, and thankfully the article below has many tips to help improve this skill, so keep reading!

When you are speaking in public, there is usually a time frame that you need to stick to. Make sure that you get to your key points before your time is up. Otherwise, you will have wasted all of our time since the audience will not have received the message you were trying to deliver.

If you have to speak publicly, try to keep it at twenty minutes or less. This is the average attention span of most individuals, so speaking for longer than this is going to risk boring them. If you have to speak for longer than this, find some way to change gears in the middle to liven things up.

Learn the material the best you can. Keep to facts and other information that is directly related to your speech. Find a way to put them in your presentation. You can use them to answer questions too.

Some people prepare their notes for speaking in public by using a tablet or other device; however, this is not necessarily a good idea. Murphy’s law is sure to strike and leave you with a dead battery, a stolen device or some other catastrophe. Be safe and write your remarks on index cards as well as keeping them on your mobile device.

Deep breathing can help curb your anxiety. Take several breaths and exhale before you start to calm your nerves. First, inhale and hold it for 5 seconds. Then slowly exhale for about 5 seconds. Do this six times, and you’ll start to become very calm.

One key to a successful speech is to make it an appropriate length. Basically, when a speech is too short, you may not be giving all the information the audience is looking for. On the other hand, if your speech is too long, your audience may become bored and you may lose their attention.

Do not chew gum or eat when you are making a speech. The chewing is unprofessional and distracts your audience. It is permissible to sip from a glass of water occasionally so that your throat does not get dry. Keep that to a minimum too, as it serves as a distraction from your message.

Whether you are new to public speaking or it is something you have done dozens of times, watching videos of the pro can be helpful. Viewing them allows you to see what the experts do and say to engage their audience. You can then try using these techniques when you give your next speech.

Do not be afraid to let your audience know that you have no idea of the answer to some of their questions. People will respect your honesty and understand that you are human. This is much better than rambling on trying to convince them you know what is going on when you don’t.

Take a look at the venue before you make your speech. See how big the room is, how many seats there are, and what the lighting is like. You will feel less nervous when you know what environment you will be dealing with. Also, try standing at the podium to get a feel of the stage.

Work on your remarks every day. This will help build your confidence since the material will become second nature. While having your speech memorized is positive, also make sure to keep your notes nearby at the podium. That way if you forget what you are to say, you can glance down at your notes and refresh your memory.

As you can see from the above article, public speaking should not terrify you any longer now that you have great tips to follow. The best piece of advice is to practice these skills, and make sure you use the tips from above. Study them again, and get out in public to hone your new speaking skills!

How to Get Rid of Headaches without Using Medication?

How to Get Rid of HeadachesHeadache is a very common issue that is faced by the individuals. It is always better for you to choose the treatment that can cure this condition. Getting the aid of medicines cannot provide a good solution for the headache. There are various alternative treatments, natural remedies that can help you to get rid of headaches effectively. If you are interested in curing headaches then you can choose any of these treatments and methods that do not require you to make use of the medicines. These solutions for headaches can be really so good that they can help you in completely getting rid of the pain.

Drinking So Much of Water

Dehydration is an issue that can also result in headaches. If your body does not have an adequate amount of water then it can lead to the reduction in the flow of oxygen and blood towards the brain. There are chances for the individuals to have this kind of issue when they are not having good amount of water in the body. If headache is caused by the issue of dehydration, then you can easily get rid of that by just drinking water. You should drink minimum of eight glasses of water for keeping the body hydrated. It is very important to drink good amount of water after consumption of alcohol else it can result in severe headache. This is a great cure for headache.

Lavender Oil

Lavender oil has got relaxing properties and is much popular. You just need to add some drops of this oil in a bowl of water that is hot. You need to then lower head and breathe deeply with the towel over the head. This vapors that are lavender infused can really make you feel good. You can also apply this lavender oil on the external parts. It is not good to ingest lavender oil.


Rosemary is much helpful for treating headaches. You can massage head with rosemary oil for getting rid of the pain. Sage and rosemary can be used for making an herbal tea which can cure a headache effectively. You can drink the tea about three times in a day.


Cloves are really helpful in using in various methods for getting relieved from the tension headaches. You can crush number of the cloves gently and then put that into a bag or inside clean handkerchief. You can then inhale this scent for the crushed cloves for getting relief from the headaches. You can mix sea salt and the clove oil to massage on temples and forehead. Clove oil can provide with great cooling effect while the sea salt can be of greater help in making the massage get intensified.

Basil Oil 

Basil is the herb that is strong scented and can be used in much effective manner for treating headache. It can work well in the form of muscle relaxant and also can treat headaches that are caused by the tight muscles and tension. Having the basil tea two times a day can be a great remedy for headache.

What You Need To Know To Be In Control Of Your Future With College

collegeAre you a returning learner? Has it been years since you were in school? Do you fear going into a class with kids half your age? It is okay. There are many in the same boat. Read this article to learn more about others like you. You will understand that you can do it, too.

Many colleges offer courses in study skills, so take advantage of the offering. Even students that did extremely well in high school may have a hard time adjusting to college expectations. Improving your study skills can enable you to succeed in your classes and reach all of your goals.

When choosing your major, think about the kind of job you want, but think about the person you are. If you are someone who doesn’t want to get up before noon, for example, you might not want to choose a major where the job possibilities require you to work early in the morning.

You should always keep up on a routine if you are in college. If you do not do this it will be far too easy just to skip out on study sessions. You need to be self disciplined and if it is study time, do it. Do not skip out so you can go out to a party with your friends. There is plenty of time for that.

Attend every class unless you are sick. Unlike when you were in high school, most of the time you are not required to attend all of your classes. However, if you stay home you may miss valuable information or the opportunity to meet other students and get to know your teachers.

Take different electives. The more concepts and subjects that you cover, the more likely you are to find what sparks your passion. Take advantage of the relatively relaxed first year of college to explore different opportunities and activities.

Make sure you take care of yourself when you are away at school, get plenty of rest, drink plenty of water, and try to eat three meals a day. This will keep your sharp as a tack and ready to tackle even the hardest term paper that your professor throws at you.

Spend lots of time in the college library. The libraries on campus provide resources that can help you succeed in your classes. Familiarize yourself with the librarian so you will have someone to ask about books you may need for classes. Many times libraries have a board that had textbooks for sale too.

Remember that you can always transfer. Sometimes college students feel stuck, and don’t like the school they have chosen. The good news is that you can always look elsewhere and go to a different school if you want to do so. There is no shame in doing that, and you may be happier elsewhere.

Flash cards are not just a helpful tool for younger children; they can really help you with your college classes as well. In addition to them being a great visual tool for helping you to remember important information, they are also easy for you to carry around wherever you go.

When you first get to college, get a map. You will feel a little silly using the map, but you do need to know where to go, after all. Map out your classes and the cafeteria so that you can easily get around when you first begin. That can make your first days less hectic.

On the first couple of days of class, make sure that you personally introduce yourself to the professor during their office hours. This can go a long way in showing the professor that you are interested in the class, and will also help them to put a face to a name quicker.

One great way to study for an exam is to create a mock-quiz. Take some information from your study materials and write down questions and keywords on a clean sheet of paper. Leave a space underneath them to put your answers. After that, try writing down as much as you can remember to see how much you already know.

Now that you have read this, you should know that a degree is attainable. It does take hard work and discipline. But, if you have taken time off from school for kids, you already have that. You deserve to treat yourself to the education you have always dreamed of having.

Try These Suggestions To Improve Your Parental Ability

parentingAs with any job, you must be educated on parenting, before becoming successful. This article will highlight many helpful parenting tips to sharpen your skills.

If your toddler is trying to climb out of his or her crib, lower the mattress if it is possible. This is because if a child is able to climb out of their crib, and they fall out, they could seriously injure themselves. Also, make sure to remove crib bumpers.

If you want to facilitate good study habits, make sure your child has a full belly. A child needs energy to study effectively. It will prevent them from becoming over tired and keep their brain working. A small snack, like an apple or some peanut butter crackers, can do wonders during study time.

Don’t force your child to study only one subject at a time. Studies show that humans learn better if they study two or more subjects at a time. This gives the brain a short period of rest to absorb material, and our brains also learn more effectively when subjects are integrated.

Make sure to wait at least 3 to 4 weeks before introducing a baby to the bottle. Doing so earlier can confuse the baby and it will reduce your milk supply for breastfeeding. Women’s bodies produce milk based on the demand. So, the more often that you supplement with a bottle, the less milk you will produce.

It is important that when dealing with teenagers- college year children of yours to never have to hear about the money issues that may be happening your (mother and father) lives. If you can’t support them they will understand and take initiative. However, if they are supported by you but still get complaints about how much they cost to you, this will ruin your relationship with them.

A great parenting tip is to always try to be a good role model for your kids. If you tell your kids to do something or behave in a certain way, they’ll expect you to do the same. If you’re not practicing what you’re preaching, your parental efforts will be in vain.

Start focusing on nutrition very early in the child’s life. If you are able to convince them that they like healthy foods you can help them to avoid many of the health traps that the majority of adults suffer. You don’t need to deprive them of treats, but show them healthy tasty treats.

If you have teenage children, try to eat dinner as a family at the dinner table as often as you can. Sometimes teens may prefer to eat in front of the TV or at their computer desk. Having dinner at the dinner table as a family gives your children a chance to share with you about their day. This is a good way for you to connect with your teenagers and to show interest in what they are doing.

An important part of parenting is the setting and enforcing of clear boundaries. Consistency is critical, so once a line is drawn on a particular behavioral topic, the consequences for crossing that line must always be upheld. By following this course of action, your child will have predictable rules under which to operate, and will always be aware of what is acceptable and what is not!

As was stated in the beginning of this article, being a good parent is really a matter of proper education and information. If you know the right ways to handle the struggles of parenting, it doesn’t have to be as difficult as it is made out to be. Apply the advice from this article and you’ll be well on your way to being a great parent.

Home Mortgage Advice You Have To Know

mortgageAre you discouraged because you have been looking for a home loan but have not qualified for any? You aren’t the only one! A lot of people fear that they do not meet the requirements for a loan approval. The information in this article can help with that. Read on for some priceless tips.

Before trying to get a mortgage approval, find out your credit score. Mortgage lenders can deny a loan when the borrower has a low credit score caused by late payments and other negative credit history. If your credit score is too low to qualify for a mortgage loan, clean up your credit, fix any inaccuracies and make all your payments on time.

Try getting pre-approved for your mortgage. It helps you know what you’re able to spend before you bid on properties. It also helps you avoid getting attached to a home that is out of your price range. The process is generally simple: you contact a mortgage lender, submit the personal and financial information, and then wait for their response. Some information in this process will include the amount you can afford and your loan’s interest rate. You will receive a pre-approval letter from your lender, and then you’ll have the funds as soon as the seller accepts the bid. Your pre-approval process may not be this simple, but it could be.

Talk to your family and friends about where they got their home mortgages. Sometimes the best recommendations are from those immediately around you. They’ll have lots of information on their own experiences with their banks, so you can feel more secure about where you should shop. Really it can save you many hours of time!

Know how much you can afford to put towards your home mortgage. Do not rely on the lender to tell you the amount you qualify for, causing you to borrow the maximum amount. Try planning your budget and leaving some room for unexpected expenses. This is usually the case when you buy a home. You can use banking calculators to determine how much you can afford on a home and provide an estimate of the monthly mortgage payments.

Don’t make any sudden moves with your credit during your mortgage process. If your mortgage is approved, your credit needs to stay put until closing. After a lender pulls up your credit and says you’re approved, that doesn’t mean it’s a done deal. Many lenders will pull your credit again just before the loan closes. Avoid doing anything that could impact your credit. Don’t close accounts or apply for new credit lines. Be sure to pay your bills on time and don’t finance new cars.

When you are denied, don’t give up. Try applying for a mortgage with another lender. Every lender has different criteria that you need to satisfy to qualify. Therefore, it may be beneficial to you to apply with a few mortgage lenders for best results.

You may wish to refinance without closing costs. You do not always need to spend your money to save money when you refinance. Many lenders will offer mortgages that have no closing costs. Lenders make up for these costs by charging you an interest rate that’s slightly higher. This slight increase sometimes translates into some extra dollars in your monthly payment, but you can save thousands in your closing costs.

If you can afford the higher payments, go for a 15-year mortgage instead of a 30-year mortgage. In the first few years of a 30-year loan, your payment is mainly applied to the interest payments. Very little goes toward your equity. In a 15-year loan, you build up your equity much faster.

If you are looking to buy any big ticket items, make sure that you wait until your loan has been closed. Buying large items may give the lender the idea that you are irresponsible and/or overextending yourself and they may worry about your ability to pay them back the money you are trying to borrow.

Try giving your lender a chance to help you with mortgage payment problems. If you struggle to make payments, do not ignore your lender’s services. There are various new programs to help you keep up with your mortgage payments like forbearance if you have an FHA mortgage. Lenders are generally happy to work out any delinquent loans via loan modifications, or possibly short sales if you can’t afford to keep your home. It can be difficult to deal with them over this, but communication is key.

Avoid interest only type loans. With an interest only loan, the borrower only pays for the interest on the loan and the principal never decreases. This type of loan may seem like a wise choice; however, at the end of the loan a balloon payment is needed. This payment is the entire principal of the loan.

Owning a home is a common goal of many, but it isn’t possible for everyone. This doesn’t need to be the outcome. Just apply these tips, and everything else will fall into place.

Simple Steps For Creating A Memorable Vacation

travelHave you heard horror stories about traveling from your family or friends? Chances are, whatever misfortunes they experienced could have been prevented had they done their homework on traveling. In the following article, you are going to be given advice that could save you from having a horror story of your own.

To get the best deals on flight prices, browse through several travel sites at once before you purchase your tickets. Some good options are kayak.com, southwest.com and priceline.com. On external websites, you can often find ticket prices that are less than the price on the original retailer’s site. However, always make sure to read the fine print to avoid hidden fees. Bon Voyage!

Tip your hotel service personnel. A small tip can make the greatest difference in your stay. If you do not tip, the maid who services your room may feel slighted by the lack of financial gratitude and this could lead to the neglect of your room as well as supply of soaps and shampoos. Your luggage carrier, when properly paid, could suggest the great spots around town.

Before departing on a trip, the wise traveler makes sure at least one person back home knows where he will be. This “home base” contact should also be updated with any unplanned changes the traveler encounters on the way. Someone who knows where a traveler is – and where they should be – can be a great help in the case of trouble on the road.

If you’re purchasing souvenirs as gifts while traveling, be creative. You can use a local newspaper as gift wrap to give it a special touch. This works especially well if the newspaper is in a foreign language or has photographs. Other low-cost souvenir gifts, include matchbooks, coasters and clean napkins.

To plan the best trip possible, select your accommodations well ahead of time. Make price comparisons for several of your chosen type of lodgings and budget enough money to pay for your favorite. Then if your first choice is not available, you’ll have at least two alternatives from which to choose.

In conclusion, traveling stories can be hard to hear sometimes. If the person you heard these stories from had taken the time to learn more about traveling, it is possible these experiences could have been prevented. Now that you have read this article, you are more prepared for your next traveling adventure!

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