What Does A Financial Advisor Do?




The job of the personal advisor begins with client consultation. At this point an advisor with take note of specific information regarding a client's current finances as well as their future financial goals. Using these to pieces of information, an advisor with then create a thorough plan that identifies problems as well as offer remedies and solutions. A personal advisor will typically meet with the client twice a year to provide updates on the client's financial situation as well as get updates on any changes to the client's lifestyle, to include marriage, divorce or retirement. On the client's behalf, the advisor can purchase or sale a multitude of financial products such as insurance and mutual funds or provide various services including will preparation or the completion of annual taxes.

Some common businesses financial analysts work for are banks, insurance companies, mutual and pension management companies, and securities firms. An analyst's job in these businesses involves the assurance that the companies make sound financial and investment decisions. Analysts read the company's financial statements, analyze prices, costs, sales, expenses and tax rates. All of these elements tie into the projection of future earnings as well as the determination of the value of the company. Financial Analysts are also required in the merger and acquisitions departments of each corporate entity to assess and prepare detailed analyses of the costs and benefits of any potential merger or company takeover.

Basically, Financial Analysts are essential to every monetary aspect of business and the global world marketplace.

To become a Financial Advisor, a person must have a bachelor's degree in business, finance, accounting, business administration or statistics. A high knowledge level of financial analysis methods as well as accounting procedures and specifics of corporate budget are essential for a financial advisor to have in their day-to-day work needs. While a bachelor's degree is acceptable, a master's degree is preferred for analysts who work at the highest corporate levels. Like corporate analysts and advisors, personal finance advisors are strongly recommended to posses a degree in accounting, finance, economics, business mathematics, or law to best help their clients.

It's best to understand Finance Advisors as much as possible so you can make an informed decision and take the best steps possible to reach your objective. Our time is our so precious and despite cell phones and other conveniences we seem to never have enough of it. Below for more See information on Financial Advisor .





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Source by Charley Hwang

The Nature Of Assets




Legal ownership is not the only criterion for classifying something in accounting terms as an asset; for instance, someone buys an item on hire purchase but does not become the owner of that item until the full purchase price has been paid. Nevertheless, the item is still recorded as an asset together with the corresponding obligation. Similarly, although a lessee never becomes the owner of the item leased, he may record that item as an asset providing that the corresponding obligation is also shown.

In an accounting sense ‚ownership‘ usually implies ‚legal ownership‘, but there are exceptions; an interest in a tangible or intangible object, or a right to value, combined with the right of possession and the right of use also constitutes an asset for the interested party.

If a person is the owner of the value or economic benefit arising from a specific source, then that source is an asset for the person concerned and he is the economic owner, although he may not be the legal owner. In such case accounting substance should take precedence over legal form in ascertaining the most suitable accounting procedure.

The chief function of accounting is to determine profits. The generation of income, however, requires capital investment in order to provide the facilities needed by an enterprise to operate continuously and indefinitely.

Historically, expenses that are incurred by not allocated as a cost during a period are deferred costs. From an accounting point of view, they represent an asset. If these costs can be recovered within a year, they are current assets and if they are recoverable over a longer period they are fixed assets.

This classification of assets is essential for determining profits and also to show the enterprise’s position at a specific time, in other words, the composition of its assets and the nature of its obligations. The purpose of acquiring fixed assets is to use them to generate income. They are not acquired for the purpose of resale. The fixed assets must produce goods that generate income, or in other words, they must be used in the business‘ operations.

The largest category of fixed assets in accounting terms is tangible, such as buildings, machinery and vehicles. Land that is not subject to depreciation or depletion through use, since it is never ‚consumed‘ is also considered as a tangible fixed asset. When evaluating buildings, machinery and vehicles these assets are subject to depreciation that must be apportioned annually as a cost. Natural resources that, through use, are also subject to depletion, such as mines, oil and gas wells and plantations are also considered as tangible fixed assets.

Another group of assets is intangible fixed assets such as patents, copyrights, trademarks‘ and goodwill. Deferred expenses and debits such as the preliminary expenses of a company are also considered in accounting terms as intangible fixed assets.

Finally, the last to be considered as an asset are external assets also known as investments. These include fixed period investments earning a fixed income, investments in ordinary shares of other companies, sundry investments such as pension funds, housing schemes and insurance policies and, lastly, investment properties.





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Source by Michael Russell

Future Of Human Economics Considered


It goes without saying that a think tank needs a constant flow of new ideas and innovations to be of value to our society and civilization. So, of course, we ask our fellow members to be generous with their ideas. From time to time we also get outsiders from around the work sending in their best mental brain storms. Not long ago, we had someone explain their plan to ditch the money rat race in society, actually to ditch money all together and increase our productivity by some 30%, here is what he had to say:

„I have an idea that could improve the overall efficiency of the world by perhaps 30%. I need help in the part of how to turn capitalism into a non-money using, non-communism structured government. Also how to persuade the government to move to it and think it was their idea in the first place.“

Well, my first thought was; if we can improve efficiency in human civilization by 30%, I am ALL-IN. Indeed, I am a capitalist and love free markets and yet, I must admit I agree that the unit of trade, we currently call a USD (reserve currency) has challenges in rewarding many of the things we need to propel humans into the future. If we could find a way to use (digital units) and give out digital units for things like volunteerism, picking up trash on a daily walk, innovation, mentoring, original thoughts, and other contributions to society we could have „real value“ supporting the intrinsic value of the digital units.

Of course, we might be able to use digital currency, a Bitcoin or BlockChain type scheme, the same way as Free-Market Capitalism with a new form of „unit“ to trade. This might help us curb the cronyism of socialist elite, Communist regimes and corporate/government incestuous relationships that Adam Smith warned us about. The units of trade could retain value based on „real work“ – positive work towards noble endeavors, while the units traded for commerce remain the same. The „goodness“ pay would be based on supply and demand, more pay for what is needed, less pay for what is already in abundant supply. The AI decision matrix determines this, not humans?

And really it is the next logical step as AI replaces decision making (executives, analysts, and management) and robotics replaces most labor jobs, and AI + robotics replaces most creative jobs (artists, writers, etc.) and AI + VR replaces teaching jobs.

In many ways we would avoid capitalism, at least the way it’s practiced in reality (crony capitalism), but we also need to make sure that no one games the system – including those controlling it – unfortunately, there is also that problem of human nature. Also the group, government, leadership of the system would have a little too much power and therein reminds us of the quote; absolute power corrupts absolutely, and/or the reality that power brings out and amplifies any character flaws, even those of a benevolent philosopher king.

In many regards Capitalism is becoming less usury driven, due to interest rates being so low and in some places negative rates.

So, here is the $64 Million question – is it possible to change our current monetary system and could we really do it any better – and is it worth the risk to try? Well, either way it is an interesting place to do a mental experiment isn’t it?

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A Review of Grants for College Students


Did you manage to not only survive, but finally graduate from high school? There is no doubt that once you graduate you feel happy and satisfied with your fine accomplishment. However, you have to take a big step forward and consider college. Maybe you have applied to some universities, but have you checked for available scholarships and grants? This is what you should evaluate and take into consideration when you are applying to a university. Of course, all you want at the moment is to get that absolute freedom and time on your own, but don’t forget that someone has to pay for that. Going to college is quite expensive and most people cannot afford to pay for it all. There is hope though, in the form of grants for college students. Even if your financial situation is not very good, there are more than a few solutions… just get your laptop.

Have you though about ways to find money for your or your child’s tuition? Robbing a bank or knocking over the local mall is not a good idea. Probably you haven’t thought about that before. Then you should start thinking and find a way to pay for college. You can get financial help without the burden of payback. Just try to find the best scholarships and grants for college students. You should not give up searching for free money even if you haven’t succeeded to get a scholarship after high school. Full time student employment is always an option but you should better check all the other possibilities first.

What I did before I headed off to a university was to carefully examine all the students‘ loans and grants for college students. I got online and checked the FAFSFA.com. This site offers free applications which you can fill out in order to ask for financial aid. I found many different loans and grants available. I suppose you are aware of the fact that grants are money you should not pay back. This is such a fantastic solution to your financial difficulties.

Usually each state has some money for grants for potential college students, apart from that federal grants are also available. All you have to do is to fill out some applications and acquire financial aid. You shouldn’t neglect free money. This is the easiest way to make the university payments. Getting online is the first step to finding financial aid such as grants for college students. Search for all the free money you can get from the state or the university you are admitted to. This is the best you can do unless you want to spend all your free time having a full time job while you are in college.

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What is Retirement Annuity


Life insurance, social security and even the more classic individual retirement account (IRA) will help you through your retirement age. Counselors from these departments are better equipped with procedures on assisting clients with questions regarding the odds related to your life’s most challenging part.

In addition, the individual retirement annuity may work well with you if you intend to use your savings for yourself while living with a partner. In either case, the amount you will get from the accrued earnings and contributions you get from this type of social retirement contribution provides you, your partner and your relatives in turn for a more secure future through continued financial stability through receiving fixed payments, yet economically sufficient.

The following section discusses retirement annuity and its benefits. This tool provides a valuable alternative for retirees who are planning on a more financially stable, secured and happy future and eliminate all the possibilities that tend to arise when caught empty-handed during old age.

What is Retirement Annuity?

Retirement Annuity works more like other insurance policies and individual retirement account (IRA). As you know, an individual retirement account (IRA) works like a life insurance where your beneficiaries will be provided a considerable amount of money in the event of contributor’s death.

However, in retirement annuity, your annual contributions (annuity) are meant to give you more financial protection throughout your retirement period. It secures you more of financial loss in cases of bankruptcy and financial loss through lifestyle or business venture.

How Does it Work?

In this scenario, you can pay a sum of money as your annual contribution (distribution phase) and reap them later during the accumulation phase. Your contribution is based on your ability to subsidize payment for a specific plan you have subscribed to upon enrollment and how long you have contributed for the said plan.

Types of Retirement Annuity

There are many types of retirement annuity plans to choose from and each tailor to each client’s ability to pay and their preference of payment during distribution upon reaching retirement age. They are immediate annuity, deferred annuity, variable annuity, and fixed annuity.

The above retirement annuity types suit individuals depending on their preference, ability to pay and their need for such benefits. Whatever retirement annuity plans you have enrolled to, it a good way to hold tax charges while keeping your savings for retirement intact.

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Source by Alan Lim

Your Ike Silver Dollar – How Much Is It Worth?


So, you’ve stumbled across an Ike Dollar, and now you want to find out how much it’s worth. Well, you’ve come to the right place. Identifying the value of any coin is very important. By doing so, you can be assured that the coin you are selling is worth the amount paid. It can also help you when you’re buying coins, as knowing the value will assure you that you are getting your money’s worth, and are not paying for overpriced coins.

But before going into that, here are some facts about the Ike Silver Dollar.

During the years 1971-1978, the US government issued out the Eisenhower Dollar. It was the first US dollar that did not make use of a precious metal. In fact, it was composed of 100% copper, with its outer layer composed of 75% copper and 25% nickel.

But, there were also silver-copper issues released by the US government. These silver-copper issues, or what we call the Ike Silver Dollar coins, were especially minted for the purpose of selling to collectors. They were minted at San Francisco, at years 1971, 1972, 1973, 1974, and 1976. These coins were either proof (Brown Ikes) or uncirculated (Blue Ikes).

What are Ike Silver Dollar specifications?

The coin’s diameter is 38.1 mm, and weighs 24.59 grams. It’s composed of .800 silver, .200 copper bonded to .209 silver. Aggregate 60% copper and 40% silver. Its Net Weight is .3161 ounce pure silver, or 9.841 grams. It has a reeded edge.

Why it’s worth collecting

The Ike Silver Dollar will always hold a special place in the heart of any American coin collector. The Ike Dollar of 1971-1976 holds the largest portrait of a president, or any real person for that matter, to ever appear on a regular-issue American coin. It is also considered very unique, since it is the last of the great traditional size 38 mm silver dollar series.

How to tell its worth

Identifying the value of your Ike Silver Dollar is not as easy as you think it is. You have to consider factors like year of minting, exactly what variety it is, and also the condition.

Most of the Ike silver dollars are in banged up or worn condition. In this case, it could be worth just the face value or maybe a bit more basing on the silver content. But even with that, it is not much since the coin is really not made up of 90% silver.

Those Ike silver dollars that are in mint state condition will have a higher value, probably around $ 50 +, again depending on its date, exact grade, and grading company.

Those with lower grades but are uncirculated can still cost you about $ 10 or more. Those that are circulated are probably worth $ 1, unless you have the rare ones that command a premium. These rare coins include 1972 type 2, type 3, and 1976 type 1. These coins sell for a little over its face value.

So, although the Ike dollar is really not worth much, it can still be a fun coin to collect. Remember, they are the last of the big and heavy dollar coins produced in the US, so you can keep it as a treasured memento.

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Source by Mark Vidrow

The Basics of Money


What is Money?

The answer to the question is simple. Money is anything widely used for paying debts owed by a person to someone else and also for receiving the payments of debts owing to a person from someone else. A country produces coins and banknotes, (accepted by everyone) for the payment of bills and for the receipt of money owing.

Money is what is known as a „medium of exchange“.

In the „old days“ people traded the goods and services they owned (and probably produced) for goods and services owned by others (probably produced by them). The scenario went something like this – „you give me two sacks of your potatoes and I will trade you ten of my fish“.

This method of trading was fine for a while. As society developed, business became more cumbersome and inefficient with this method of trade. Business dealings became stilted and slow and lagged behind the new pace of commerce. There had to be a better way. Some bright spark then came up with the idea of a common „medium of exchange“ easier to carry around and better to use.

Money was born.

It wasn’t that simple, because while all sorts of things were used as a medium of exchange, these were all basically called „money“ and it wasn’t until coins and paper notes were developed that money as we know it today became the standard accepted as a medium of exchange.

Forms of Money

There are various forms of money – cheques, IOU’s, credit cards, bank drafts or gold. Gold was the standard used in the past because of its scarcity and its qualities. Gold is resistant to corrosion or damage. These unique properties, as well as the scarcity of gold means that even today, wealthy people around the world would rather keep their wealth in gold holdings than in the currencies of countries which are subject to inflation.

In fact, all sorts of things have been used as money throughout the ages. Some include: beads, eggs, salt, pigs, leather, yarn, axes, ivory and jade. Today we have another form of money, which cannot be touched, and yet it as real as the tangible coins we are able to touch. This form of money is electronic money.

The Name „Money“

The word money comes from the Roman goddess – Moneta. Apparently coins were minted in her temples and issued to the world, as the Romans knew it at the time. The Latin word „Moneta“, (meaning mint or coins) came from the old English word „mynet“ (meaning coins or money) and from this came the English word „mint“.

Origins of Money

To understand the origins of money we have to go back to a time well before money came on the scene. Money did not suddenly appear – it was introduced gradually in response to the requirements of human needs. As civilization grew and expanded beyond local societies, the need to exchange the products provided by various groups became evident. The hunter needed to exchange with the farmer, the shepherd needed to exchange with the medicine man etc.

The medium of exchange that was necessary to enable the various groups to barter and swap their products was money. It was originally a physical substance like gold or silver. Sometimes it was a substance that was alive such as cattle, which was one of the oldest forms of money.

Today, although much of the money used by individuals in their everyday life is still in the form of notes and coins, its quantity is relatively small compared to the intangible types of money existing as entries in bank records.

Today money exists in the form of digital cash and such things as coins and bank notes will soon become obsolete. When this happens, the change in the nature of money will have a significant effect on our society.

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Source by Peter Viliamu

What's the Difference Between Permanent and Whole Life Insurance


Whole life insurance is a type of permanent insurance, and both of these have terms lasting until the end of the insured’s life, as opposed to term life insurance, which, as the name suggests, only covers the life of the insured for a specified term . Put simply, permanent life insurance always pays out to the beneficiary, because the end of its term is the death of the insured; term life insurance only pays out if the insured dies during the allotted time period. The former is substantially-sometimes tenfold-more expensive than the latter, but term life insurance renewal is often costly, since at the end of the term the insured person is older and therefore represents a higher risk. This is especially true of life insurance for seniors, as one might imagine, since their chances of payout are higher.

Whole life insurance, also known as cash surrender life insurance, is considered a solid investment. Given consistent upkeep, it accumulates value on a tax-deferred basis, just as an education or retirement fund does. With whole life insurance, the insured may use the policy as collateral, borrow against it or even borrow from it-again, just as with a bank account. If the insured borrows from it, say to build a dream retirement home, the end cash payout obviously will be lower for the named beneficiary / ies, unless the borrowed amount is repaid. And, if the insured is unable to continue paying into the policy, then just like a bank account, it might still have a payout to beneficiaries, depending on when the payout is. The insurance company providing whole life insurance also folds its dividends directly into the policy (provided the company is profitable), providing a secondary increase in value over time.

Another type of permanent insurance is variable life insurance. Here, the life insurance policy is more of a stock portfolio than a savings account, and its value varies with the value of the investments chosen to support it. At the end of the insured’s life, the portfolio is paid out to the beneficiary / ies; depending on the risk level of the chosen investments, the benefit may either erode or grow over time.

With universal life insurance, the insured pays a base initial amount, and then makes payments within a range set by the insurance provider. This type of policy is usually less costly, but it is important to understand that the range of minimum and maximum payments may change over time, depending on the health of the provider, its investments or other terms. Therefore, the account requires more attention than other forms of permanent insurance.

Finally, variable universal life (VUL) insurance is another tax-free account in which terms and payments can vary as needed. In it, flexible premiums may be invested in a variety of areas and accounts, coverage may be increased or decreased, and investments may be transferred between accounts without tax ramifications. Because the policyholder retains more of the risk than the insurance provider, VUL policies often have less costly upkeep fees than many other types of policies. On the other hand, it is also a combination of all of the flexibility possible within the permanent life insurance category.

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Source by Ryan Patterson

Spying Cell Phones and IMEI Codes: The End Of Privacy – Protect Yourself


If someone has access to your cell phone and IMEI code, for just a few minutes, your life can become an open book! Some spy software is so sophisticated that it records conversations in the vicinity of the phone, even when you are not using it. Text messages that have been erased are easy to get at with inexpensive spy technology. Read on to learn a way to protect yourself from this invasion of privacy and what you should do if you think you are being spied on through your cell phone.

To protect yourself you must understand the basics of this technology and how it works. The spy needs two things: the IMEI code for your phone and software to connect with that code. IMEI stands for International Mobile Equipment Identity and is a number unique to each mobile device. It is found in the battery compartment of each phone and is 15 digits long. There are three places the spy can get the IMEI number:

  1. – From the phone contract. It was on my iPhone 4 contract.
  2. – From the battery case. It was in my iPhone 4 battery compartment.
  3. – By simply dialing #06# on the phone. This worked on my iPhone 4.

Spy cell phone software is inexpensive and available on hundreds of Internet sites. It is easy to install and can be downloaded directly from the Internet to your phone in seconds. The combination of software installed on your phone and the IMEI number make you a sitting duck for any kind of surveillance activity. The spy can now monitor your activities from a home computer or a smart phone. If you have something to hide – beware!

Is the use of this software legal? Yes, if you own the phone. Websites selling these products always have a disclaimer stating that they will not be responsible for illegal uses of the phone while at the same time promoting the software activities that do not appear to be legal. Because the software is undetectable spies are unlikely to be prosecuted.

If you suspect someone may be spying on your cell phone activities, you need to take your phone to your provider and have them clear the memory and restore it to the factory settings. Then guard your phone like it is a credit card that can be used without a password. In other words – don’t share it, even for a minute, with anyone you don’t know and trust.

There are many legitimate uses for the IMEI number and for the spying software and it is unlikely that either will go away. The IMEI number functions like a serial number making it easy to register and ban the resale of stolen phones. Spy software can add provide some security to children and teens while allowing more freedom. Spy software can also be used to find stolen and lost cell phones. As a concerned parent, and a person who sometimes loses his phone, I decided to install spy software on all the family phones.

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Source by Matthew T Barker

How Do I Remove Malware – 2 Simple Ways of Getting Rid of Malware


One question that a lot of people have is what is malware and if infected, how do I remove malware?

Basically, malware stands for malicious software and consists of numerous kinds of dangerous computer infections like virus, worm, Trojan, adware and spyware. Before you go about removing it, there are certain facts about malware that you must know.

* Most computer owners are unaware of the presence of malware on their PC.

* Malware is extremely harmful as it can steal your personal information like passwords, bank account numbers, social security and credit card numbers.

* Other bad effects of malware include slower system performance, change in original settings, infected registry, fake popups and permanent damage of hard disk files.

Now that you are wondering „how do I remove malware,“ there are essentially two methods of getting rid of malware, including:

1. Find the malware program, processes and files and use the „Add/Remove“ feature to uninstall them.

2. Get an anti spyware tool to remove the malware from your PC.

The first method has to be done manually. If you are not comfortable with the technical part of the process, you should not try to remove malware yourself. This may disrupt the present settings of your PC or even ruin it further. Moreover, malware can mask itself and take different forms. These can only be recognized by experts who can use the manual way to eliminate malware.

A better and easier way to remove malware is to acquire a program that detects and demolishes malware. To find such a software, go online and type ‚how do I remove malware‘ in a search engine. Your search results will show spyware removal tolls that can delete all malware from your computer and keep it clean for a long time to come.

Buying a good spyware remover is the best, easiest and fastest way to get rid of malware and prevent future infections. Don’t waste your time with free versions because these will just bring new malware to your PC.

Invest some money in a reliable spyware removal tool to get effective results. It will also allow you to do unlimited daily scans for Malware, Spyware, Adware, dialers, cookies and keyloggers. Any potential threats will be blocked and the ones present on your system will be deleted within minutes.

The next time you ask yourself ‚how do I remove malware‘, just install a robust spyware remover and leave the rest to it. Its as simple as ABC!

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Source by A. Wood