Archive for the ‘Financial Planning’ Category

By Ryan Pauline

Learning how to invest and grow your money is one of the wisest moves a practical, hard working individual should do. Doing this can help you ensure that you can get more out of your hard earned money, as you’re doing your best to work hard and wisely. To do this, though, you may need to look for a specialist to aid you in how to handle your finances correctly. Fee based financial planners are some of the best professionals to go to.

What are Fee-based Financial Planners?

Unlike regular and fee-only financial advisors, fee based planners offer a wide array of options for you. They can give you counsel about what to do with your money to make it grow, what products should you invest on to make the decision making easier, and they can also help you with other financial matters like which insurance to get or how to manage your taxes efficiently.

Since these folks are ‘planners’ and not just advisors, you can expect to get more out of their services. Instead of just giving you instructions, they will guide you in making a concrete program that you can follow to spend your money correctly and make wise investments.

YouTube Preview Image

Hiring Financial Professionals

When hiring financial professionals, you have to make sure that they will hold your interests in the highest regard possible. This is the main point why you seek their services in the first place.

However, with the 200,000 people claiming to be ‘professional advisors’ in the field, only around 60,000 of them are registered and licensed. This is why you need to choose wisely when looking for fee based financial planners, because you wouldn’t want to pay for someone who is not legitimate.

The best technique that you can do to find the right expert for the job is to talk to a couple of professionals. Check out their credentials first. Once you’ve found three or four from your thorough search, set up an appointment, so you can talk to them before you sign up for their services.

In this ‘interview’, make sure to ask the following questions:

1. What services are you offering? Since you’ll be working with a fee based professional, you need to know whether they’re selling something. This way, you can assess whether they could give you the best, honest advice that you will need.

2. How do you work? Again, because you’re looking for a ‘planner’, you need to know their basic methods in assisting you. Are they just going to give you recommendations or will they introduce other professionals in the mix in order to implement the suggestions properly? You have to make sure that their approach will match your goals.

3. What are the payment methods available and how much would their services cost? Some fee based financial planners will not charge you anything, but will instead earn through commissions from their sales. Others, however, will charge hourly fees, monthly retainers, or take a specific percentage from the assets that they are managing. Look closely into these, so you can better assess which deal is the most ideal for you.

These three are just the most basic questions that you should ask the potential fee based financial planners. Further research will help you learn more on how to execute such transactions efficiently.

About the Author: Are you looking for more information regarding

Fee Based Financial Planners

? Visit



Permanent Link:

By James Opiko

Anybody who commits an act of theft of any kind belongs in jail.

Similarly, anyone who takes the law into his own hands even after being cautioned by law enforcement not to — and then shoots anyone, including burglars, in the back, “for sport,” unprovoked or just because he thinks he can get away with it (with the aid of public sentiment) — is a cold-blooded murderer.

That’s exactly what Joe Horn, a vigilante emboldened by the on-going “racist anti-immigrant” rhetoric did — shoot unarmed burglars, who happened to be “Black Hispanic” immigrants, in the back, allegedly after a break-and-enter at his neighbor’s house, in Pasadena, Texas — The “Hanging” State.

Had Joe Horn witnessed them assaulting his neighbor, the use of deadly force would have been warranted…but even then, since the burglars were on their way out of the property, a warning shot followed by a “citizens arrest” would have been most appropriate under these circumstances, for after all, the police were on the way, and had already cautioned him numerous times to stay put!

A fellow author, Mr. Pantagruel looks at this incident in a simple but very insightful manner:

What if……A man sees 2 guys leaving the neighbors house with what looks like a TV, and a big box of stuff. The man calls 9-11, and even against the warnings of the 9-11 operator, goes out and shoots the 2 guys dead! When the police show up, they arrest the man for murder! Those ‘2 guys’ were just friends of the neighbor coming to get stuff that they had been storing there.OR…. What if the man misses, and kills a little kid? The whole thing is a can of worms! That’s why we have highly trained police officers to respond to the needs of the community. We don’t need trigger happy bigots with a third grade education shooting at anybody they want! The only opportunity that Mr. Horn stumbled onto, is to go to prison for murder!

The audio below indicates that Joe Horn never bothered to issue a “Stop Thief” warning to the two burglars, but marched out of his house intent on killing the two with pre-meditation.

Here is the audio/video: [1]

Here’s an excerpt from the transcript of Joe Horn’s 911 call: [2]

Joe Horn took Texas justice into his own hands and committed pre-meditated murder, and he must be charged and prosecuted.

Even in Texas, the “Hanging” state, burglary is not punishable by “death by shotgun — in the back.”

YouTube Preview Image

That the two immigrants are “illegal” is irrelevant, unless it is okay to shoot anyone in the back because they are “illegal.”

A human life is not “illegal” until it takes away another life with pre-meditation, therefore Joe HORN has rendererd himself “illegal” and should be put to death or imprisoned for life.

I guess in Texas, if you are an “illegal immigrant,” your life is illegal too!, and Texas, a Republican state has laws which might just help this vigilante moron escape justice.

Compare HORN’s incident to that a John White, 54,[3] a black man who shot a white boy in Brooklyn, New York, and who is being tried for manslaughter — for defending his son against what he saw as a racist white mob.

….or the case of two Border Patrol agents[4] who attacked an unarmed border-crosser who was trying to surrender, shot at him 15 times and wounded him as he fled, then tampered with the crime scene and failed to report the shooting as required to their supervisors.

The self-ordained independent “Anti-Immigrant Populist Propagandist,” CNN’s and America’s modern day Dr. Joseph Goebbels[5], who’s latest book I hereby christen: “Independents Day – Awakening the American ‘Racist’ Spirit,”[6] describes these two as “outstanding Border Patrol agents,” — two “thugs in uniform” who were sentenced to terms of 11 and 12 years by a federal jury of their peers last October.

Lou Dobbs, the CNN anchor obsessed with undocumented immigration, parrots incessantly, almost everyday, about these two murderers — in order to promote his racist agenda against immigrants. He has featured their case at least 131 times, including a one-hour special, according to the September issue of Texas Monthly. They’ve been glorified by anti-immigration websites and lionized by politicians like U.S. Rep. Tom Tancredo (R-Colo.)[7]. Even the American Freedom Riders, a nativist biker gang, calls them “persecuted.”

All because the man shot by Ignacio “Nacho” Ramos and Jose Alonso Compean turned out to be a drug smuggler (although Ramos and Compean didn’t know that when they opened fire on Feb. 17, 2005).

Numerous cases of vigilantism and racist attacks on immigrants go un-reported in the United States. Families of immigrants are being petrol bombed, threatened and killed by racist thugs. Immigrants(legal and “illegal”) are under siege, and are terrified all over this land.

Nooses are appearing everywhere[8].

If Joe Horn goes unpunished…and as the Republican “Who Is The Meanest Anti-Immigrant” Presidential Candidate chest-thumping continues to escalate, much more worse things are likely to happen,… most of which will go un-reported[9].

As expected, Nazi Propagandist Lou Dobbs, last Thursday night, thrust himself in favor of Joe HORN — essentially, he played these two snippets of the 911 call:

Horn: I’m doing this.




Horn: [yelling] Move, you’re dead!

[Sound of shots being fired]

…then proceeded to “analyze” the shooting together with an obviously biased and “stage-managed” Texas police officer — strenuously trying to twist the case in favor of Mr. Horn.

This stupid “hillbilly” must be punished to set an example to the rest who might want to do the same.

Even in the wildest of the “Wild-West,” one never shot a thief in the back. A warning to “Drop It” was always given, followed by a “Fair” fight, if necessary — shooting someone in the back without provocation, with malicious pre-meditation and “just because you could do it” — was considered cold-blooded murder, and it still is today!

I really doubt if Mr. HORN would have shot burglars if they had been white — for in these United States, per Leonard Pitts (columnist for The Miami Herald) — “The idea that some of us are less than the rest of us, that some are roaches, vermin, viruses, parasites, infestations, beasts or sub-humans to whom no one owes no duty of human decency or commiseration, didn’t start with the Nazis. It is as old as Cain, and as widespread as the common cold.”

The decent thing that Mr. HORN should have done, was to let the police do their job, and not be judge, jury and executioner all at once.

Joe Horn is a despicable vigilante, a killer!,…emboldened by the vicious and uncouth “pandering” of Republican Presidential candidates to the racially intolerant one third of America.

SOURCES QUOTED IN ARTICLE: Supporting links to [1][2][3][4][5][6][7][8][9] may be found here:—A-Cold-Blooded-Murderer-/66852

About the Author: James Opiko — Writes For


PoliticalArticles.NET Blog

— Get all blog posts at

this location



Permanent Link:

By Brian Garvin

I just recently attended a Lia Sophia jewelry show. It seems to be the thing here and there are Lia Sophia jewelry shows going on everywhere. There are so many that will come up and ask if my necklace is Lia Sophia and if I bought it, or did I get it by having my own show.

Lia Sophia is the leading fashion jewelry direct sales company in the United States. They have the latest trends or you can stay with the classics. If you have the chance, go to a show and see what they have to offer.

Not only does Lia Sophia offer beautiful jewelry, they offer a Lifetime Replacement Guarantee. The company was founded more than 30 years ago and is now run by the second generation of the Kiam Family, (Victor Kiam was the Executive who brought Remington Shavers to the forefront).

If you are the Customer, Lia Sophia takes great pride in offering a beautiful selection of the latest fashion jewelry at great values, creating your loyalty over your lifetime.

YouTube Preview Image

If you are the Host of a show in your home, you will be rewarded with amazing discounts, half-price offers and special offerings such as being able to order one of their Red Carpet Collection pieces that are featured in leading fashion magazines.

Since I was able to attend a Lia Sophia show, I was able to see and feel the quality of the jewelry, and believe they are true to their standards and desire to make the customer their first priority. Their reputation has preceded them and will continue to follow them. This company will do well.

It is built on the multi-level marketing system as mentioned earlier. Your business will be more successful when you are able to sponsor Advisors in your business. You will be able to help them to progress as you help your own business to flourish.

I am not aware of their compensation plan, as this information is given when you contact an Advisor of the company. This is not something that is portrayed and focused upon. The main focus of the company seems to be the customer and the service that is provided to make the customers shopping experience as pleasant as possible.

This company realizes that is the customer that is the best advertisement and that is where the loyalty is gained. This is what gives, you the prospective Advisor the backing and the reputation to lean upon as you represent this company.

If you are an Advisor, you will be provided a chance to make new friends. You will be able to earn that extra money to pay off your bills that have been nagging you for so long, build up your savings, or take a wonderful vacation. You can have a career with Lia Sophia with great earnings and flexible schedule to work when you want. And by introducing the Lia Sophia opportunity to others, you are also building your own business.

They have a mission for their advisors to reach high levels of success. They believe in rewarding them for their efforts. The company is very strong on ethics and values and this is to be admired. The satisfaction of the customer is number one, which also reflects on the Advisor. The customer will never have a reason to doubt or mistrust a Lia Sophia Advisor when she has a great company to back her and support her.

About the Author: You can read our Unbiased, expert review of

Lia Sophia

from Brian Garvin and Jeff West at

MLM Review Kings

. This article may be used royalty free provided bio & links remain intact.


Permanent Link:

Dream A Little

September 24th, 2018

Comments ( 0 )

By Cally Rao

What kind of a business would you run if you had your way? What business would satisfy your marrow? If you haven’t thought about this then isn’t now a good time – in today’s financial climate you can’t just keep doing the same old thing or you could see your entire nest egg become just memories. Headwinds are still likely to come through and smite personal financial havens.

Grab paper and pencil and make two columns on it. Under Column A list all your hobbies, dreams and interests. Over under Column B match them to start up ideas, businesses for sale in the marketplace, an enterprise up for a change of management. Check with friends – send out an email to them – if they know of a business that’s going under but which your hearth tells you you might be able to turn around, perhaps resuscitate a fledgling family business run by a kin in a far off nook or other things like a novel location. I know a friend who runs a tree top bar and believe me he’s made more in two years at tree top level than he did in his previous ten years at a corporate level.

YouTube Preview Image

What often kills is the narrowing of the spirit, the withering of dreams and the nay-saying response to life. It is up to us to invent what goes into our days and personal extraordinariness. Move into a world of effort and endeavour. Go into unexplored territory. You have to leave your world of comforts and go into the wilderness of your intuitions. You can’t take a fast speed train out to your dream, nor bus there. You get there by effort, endeavor, risk drenched hard work. Don’t bask in last year’s lights. Press on. Standing at the doorways of your future, don’t waste more time divining when to start off. Occupy yourself with the future, not with what’s left behind, the yesterdays. Just look ahead.

We can’t afford to waste our tears on what could have been, might have been etc. We need to turn the tears into sweat as we chase our raison d’etre ( reason for living ). If the drought strikes again and there is no water to get through…With finances in meltdown, jobs being outsourced or firms on the verge of closure and the numbers of unemployed rising the immediate future looks heartbreaking. After all, the only real job security in the future will be one a person creates for himself or herself, by starting an income stream, planting an income tree or launching a business.

Wall Street may be doing very well, but it’s the street you live on that’ll pay the bills and take care of the family. So put your passions to work. Replace a deteriorating income with a new one.

“You have to be tough to survive. I like variety. I don’t want to be nailed shut in a box labeled, ‘Newsreader – do not touch'”.

Angela Rippon, BBC.

About the Author: Cally Rao is a former Manufacturing Manager at an F 500 Company, is now a college instructor and passionately believes in individual entrepreneurism.

For information on the above and how you can retire in over a year visit:


Permanent Link: