How to Find the Best Financial Planner Around

It has been said that good fortune happens when opportunity meets great planning. There are a lot of people who can boast of taking financial planning courses and who can offer financial advice to clients from all walks of life. However, each individual requires different financial advice at different times. This is because people have varying priorities, financial goals and responsibilities at different stages in their life. The billion dollar question is: how does one find a financial consultant who will meet their specific financial needs?

The first thing that an individual should look for in the best financial planners is the certification and credential to match their titles. They should have taken various financial planning courses that will teach them about communication, networking and planning. They should also have received extensive training in financial planning from an accredited institution.

The next thing that an individual should look for in their financial adviser is industry experience. The truth is that there are so many different strategies for increasing wealth. The best financial planner will know which type of strategy will work best for their client’s financial situation. The consultant should deal with each client individually, and design detailed services that will meet the client’s needs and expand their investment prospects.

A proficient financial advisor should have rave reviews and recommendations from previous clients and industry experts. Previous clients should praise the financial consultant’s support, expertise and knowledge. The consultants should be passionate about their work and about helping their clients to reach greater financial heights. The best financial planner is very committed to the task of ensuring that the client is happy. They should help their clients to seize their financial future by giving them proper financial solutions.

Some of the solutions that great financial advisors offer include cash flow management, wealth protection, income protection, estate planning, retirement planning and investment management. The planner should give their client all the services that will help them to wisely buy stock in domestic markets as well as international markets. They should help their client to gain access to capital raisings. Finally, they should help their client with pension funds and superannuation, and this should include superannuation funds that are self-managed.

Great financial planning advice will help the client makes great financial planning decisions. It will guarantee posterity in the client’s financial future. The financial advisers are hard to find, but once a client meets one, they can be sure that they will be on the right path to financial freedom.

How to Overcome 5 of the Biggest Challenges of Managing a Small Business

Small business owners and managers continually face a variety of challenges and obstacles that can seem to pose an insurmountable obstacle in growing or managing their businesses efficiently and effectively. Without a clear direction on how to approach these challenges many business owners become increasingly frustrated as the challenges seem to snowball while profits continue to shrink. Below is a list of 5 common challenges faced by business owners as well as some proactive tactics for overcoming each of them.

5 Small Business Challenges

1. Challenge: Financial Pressure

Budget and cash flow are two primary areas that affect a company, especially if seasonal ebbs and flows affect your product or service. In addition the economic pullback has significantly affected many companies balance sheets and bank accounts.

Solution: Budgeting and Proactive Management

Though sales do not always meet or exceed expectations, small business owners will want to project both sales and expenses realistically to predict performance. Annual budgeting with quarterly adjustments and weekly monitoring are a proactive approach that successful owners utilize regularly. Some expenses to consider are appropriate salaries for staff and production; costs for health care and other benefits; necessary purchases of materials, equipment and new technology; and identifying the necessary inventory for goods and supplies. It is critical to develop a backup plan if short-term cash infusions become necessary. Identify your funding sources in advance to ensure you have a proactive solution to overcome short term cash crunches.

2. Challenge: Sales and Marketing

Sales fluctuate, are inconsistent, or worse – are declining. Marketing is ineffective, inconsistent, or often nonexistent. Many business owners “shoot from the hip” when it comes to sales and marketing.

Solution: Take Overall Responsibility for Marketing

Most small business owners are often consumed by the day to day operations of their business and neglect daily sales and marketing duties. Regardless of daily tasks and responsibilities successful small business owners understand that sales and marketing is the life blood of the business and place it first on the daily “To Do” list. If you aren’t able to delegate some of the daily tasks to other team members you must schedule your days and or weeks to allow for the necessary sales and marketing tasks that will guarantee the long term success of your business. Reserve time each day to devote strictly to sales and marketing tactics – most successful small business owners spend a minimum of at least 2 hours per day meeting with clients and making sales contacts. In addition setting up a formal time management system allowing for focused selling days; preceded and followed by days with time scheduled to catch up on other tasks proves to be extremely effective.

3. Challenge: Competent Staff to Fit Your Budget

Most small businesses must maintain a low overhead to survive and sustain the business for the long term. How do small business owners complete all the crucial tasks required of their business without going over budget?

Solution: Hire and Train the Best

Finding and retaining key employees and or sub-contractors is crucial for long term success. In today’s dynamic environment employees must multi-task, which may reduce the number of workers in your organization. The challenge is attracting and retaining top talent while competing with the more distinguished benefits and compensation plans that larger businesses may offer. Business owners need to make it a priority to train new and existing employees and help them see the opportunities available to grow with the company from a long term perspective. In addition many operational tasks like payroll, daily accounting, and tax reporting can be hired out to competent subcontractors at a fraction of the cost to self perform.

4. Challenge: Maintaining Client Relations

Due to the growing dependence on email, texting and other technology, the impersonal aspects of client interaction has diminished loyalty and appreciation. In addition competition has reached an all time high as more businesses enter the market and attempt to distract and lure your clients away.

Solution: Take a Personal Interest and Maximize Value

Small business owners must develop personal relationships with their clients. Most importantly, they must communicate that they care and consistently exceed expectations to differentiate themselves from the competition. “Under promise and over deliver” is one of the most effective techniques still in use today. Furthermore, the relationship must be win – WIN. Small businesses must be able to provide their product at a profit AND more importantly clients must believe they receive MORE in value then they give during the exchange.

5. Challenge: Getting It All Done

Marketing, operations, production, accounting, family and personal time – the small business owner is consistently challenged with escalating responsibilities – and unfortunately the same 24 hours they had prior to the increased demands. Many small business owners started their businesses to take back control of their time and life. The reality – small business management increasingly requires more thought, creativity and often demands more personal time from small business owners.

Solution: Effectively Manage Your Most Precious Asset

An effective time and priority management system must be utilized to ensure the small business owner’s success and personal sanity. Time is the most precious asset of any small business owner and must be treated as such. Create a list of the three most crucial tasks to be completed each day and focus on completing only those items first. In addition use a daily calendar and plan your days and work weeks in advance. Schedule personal and family time, as well as your daily work responsibilities. In order to maintain a healthy balance time must be allotted for all areas of life.

Breaking News Advertising is Dead!

Don’t agree?

Please ask your wife, husband or significant other-in other words, the nearest typical consumer-to answer the following 7 questions:

1.Does viewing pop-up ads on your computer curl your toes in orgasmic delight? Yes or No?
2.Does a mailbox filled with junk mail cause your palms to itch and sweat with nervous anticipation? Yes or No?
3.Do you suffer from outbursts of violent anger when a TV commercial is interrupted by a TV movie? Yes or No?
4.Do you prance around the parking lot with ecstatic abandon whenever you find a flyer on your car’s windshield? Yes or No?
5.Does keeping a phone next to your soup spoon on your dinner table (for fear of missing the next telemarketer’s call) help your digestion? Yes or No?
6.Do you drink pots of black coffee at 10 pm so you can stay awake to watch 30-minute infomercials at 4 am? Yes or No?
7.Do you drool at the thought of spending $300 on an iPhone just so you can see interactive ads on its big, cool screen? Yes or No?

Have I made my point? Yes or No?

Advertising is dead. If you’re a marketer… save your money.

Consumers have been over-advertised to and over-sold.

Unless you’re conducting a white sale, fire sale or going out of business sale-and halving or quartering your prices-advertising won’t get you a bang, a whimper or a nickel for your buck. Not anymore.

The only ads that still earn their keep are those in newspapers and on supermarket windows that read:

Big SALE Buy 1 Can of Campbell Soup for 89 Cents and Get a 2nd Can-FREE! Supplies limited! (or something like that)

Beyond that, the first reaction most consumers have when viewing any other type ad is not to believe anything it says.

And if they have no need, desire or knowledge of you, your product or your service, their second reaction is to play basketball. Their arm and hand muscles reflexively contract, causing them to roll up your ad into a tight little ball and shoot for the nearest basket.

Beware the Consumer’s Anti-Ad Third Eye

Because the consumer has become so desensitized to advertisements in general, if you don’t shove your ad, sales letter or flyer directly and firmly into their hands-they won’t even notice it.

It’s as if they’ve developed an anti-ad third eye that instinctively alerts them to an ad’s presence and then immediately shoot’s a signal to the brain-instructing their other two eyes not to see it.

For example…

How often, when surfing the web, have you run across a web page with a bright red, 40-word, one-sentence headline, ending with an exclamation mark or two or three?

Unless you’re searching for that particular web page, the average information-seeking web-surfer will immediately recognize that site as an ad, and click away-without even reading two words of it.

The same thing happens when reading the newspaper, or driving past a billboard on the highway…consumers simply refuse to look at the ads.

So What’s a Marketer to Do?

Advertorialize!

Huh? I’ll explain…

The success of the internet has proven one thing above all else. Human beings, which includes consumers, are addicted to information.

Google, the internet version of a library card catalog, exists, thrives, dominates and will eventually own the world, because consumers are in a constant, never-ending search for more and more information.

And why do consumers want ever more information that will convince, compel and persuade them to a certain point of view?

So they can make the most efficient, prudent and intelligent choice about whatever it is they want to own, possess, consume or BUY.

Yes, BUY.

Though consumers hate to be sold; they still love, nevertheless, to BUY.

And their decision to buy is most effectively influenced when they are provided with information that supports, confirms and increases their already resident desire to BUY!

Enter the Advertorial

The advertorial is an ad disguised as an editorial. A cunning wolf in sheep’s clothing. It’s roughly 80% useful, compelling and persuasive information and 20% sales pitch.

It will never mention the name of the product, its features or benefits in the headline. Because that would be too obvious-it would scream ad and will immediately activate the consumer’s anti-ad third eye.

Instead, in a newspaper, in a direct mail promotion, or on the internet the advertorial will attract attention and readership by merely dangling the tantalizing promise of free actionable and profitable information… if the reader will only continue to read on.

An advertorial headline won’t scream: LOSE 10LBS OF FAT IN 10 DAYS OR YOUR MONEY BACK!!

Instead, the advertorial headline will read: John Hopkins Research PhD discovers active ingredient in ice cream that causes rapid weight loss.

Then the advertorial will proceed to show and prove, in pseudo-journalistic fashion, the What, Why, Who, Where and When of how the product or service does precisely what the consumer wants and needs.

The advertorial delivers valuable, documented information that relentlessly leads the reader to the inevitable conclusion that the solution to their problem or need is… whatever it is you’re selling.

It doesn’t look, taste or smell like an ad, and the consumer’s anti-ad third eye will never see it coming.

Try it… you’ll like it.

Experiences In Living In A Condominium

Thinking of living in a condominium unit? But before buying a condo unit, have you ever asked if what kind of experience would you expect in living in a condominium? Different condominiums can offer different advantages, benefits, disadvantages, and consequences. So before purchasing a condominium, try to investigate what experiences do residents have in living in a condominium.

Experiences in living in a condominium Condominiums have become a very popular type of housing in many countries around the world, such as in the Philippines. According to many real estate experts, condominiums have become the most popular and in demand type of residential Philippines properties available in the market today.

There are different types of condominiums in the market today. There are condominiums found in the city, while other condominiums are found in the outskirts or even in provincial areas. Each type are known to provide different experiences to its residents. First is with the typical condominium found in the city.

Lifestyles in living in a condominium in the city According to many Filipinos living in condominiums , the first thing that many of its residents would experience is its luxurious living space. Because most of these types of Philippines properties are found in the heart of the busiest business and commercial districts, most of these types of condominiums are built to provide the most luxurious living space, both in exterior and interior designs.

However, the main advantage that many Filipinos have experienced in these types of condominiums is its convenience in allowing its residents to live within walking distance to their workplaces, a kind of feat that other types of housing lacks. However, residents can still enjoy their privacy within their own units.

However, there are other condominiums which can provide a different sort of experience to its residents, such as those living in a condominium complex.

Lifestyles in living in a condominium in the outskirts Compared to condominiums in the city, condominium complexes are mostly found in the outskirts while others are even found in provincial areas. Although not as beneficial in terms of accessibility to workplaces compared to condominiums in the city, these types of Philippines properties can provide a different experience, particularly for Filipino families.

According to many of those Filipinos living in a condominium complex, the first thing that residents would experience in these types of condominium is its peacefulness, which is in comparison with that of the city.

Another popular experience in living in a condominium complex is its amenities, such as swimming pools, gyms, recreational parks, and playgrounds in which residents can freely and exclusively enjoy.

The disadvantage of living in these types of condominiums, however, is that residents have had difficulties getting back to the city, particularly because of rush hour.

Home Based Business Data Entry Scams

Be careful and don’t get caught up by a home based business scam! Within this article I’m going to go over the various home based businesses and work at home scams. Also I’ll explain how these scams work to rip off unsuspecting newbie.

The first rule of thumb says that if it sounds too good to be true then it probably is. That’s a great rule to follow when looking at ways to earn money from home. Many of the scams discussed within this article offer large sums of money for very easy work. If money was this easy to earn wouldn’t everybody be doing it? Don’t think for a minute that you’re the only one lucky enough to find their site or ad.

The top of the list are data entry scams. ALL advertised data entry opportunities that charge fees are scams! They are deceptive in their offer. A person signs up for paid data entry and what they get is a ponzi scheme.

The way this works is that they suck you in with the promise of easy money. After the person joins they tell you to promote the same data entry job to others or they guide you to Clickbank and suggest that you spend hundreds to thousands of dollars weekly on Google Adwords.

Just because a home business requires a start up fee doesn’t make it a scam. There are legitimate businesses that require a start up fee. The difference is that data entry opportunities use deception to draw people in who need home income.

Data entry schemes are not the only culprit of presenting and selling internet scams as real jobs. The other scams you might run into on the internet are processing refunds, stuffing envelopes, assembly, making arts and crafts and I’m sure there are new schemes popping up everyday.

If you feel that you have been ripped off contact your attorney general. You’ll need to report the companies name, how you found the company and lodge your complaint.

Another great way to get your money back is to do a chargeback. Many people don’t know that it’s as simple as calling their bank or credit card company and requesting that the transaction be reversed. There is a little red tape and a service charge of about $30.00, but it’s worth it. This way the scam company won’t profit from ripping you off.

In closing, be careful where you spend your money and time. Do your due diligence and research any opportunity that requires a fee, especially if the opportunity presents itself to be a traditional job such as data entry. The best option for those looking for a wage or salary based job is to not pay anything to work for someone else.

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