A financial advisor will help you make the right decisions regarding your present and future financial condition. You do, however, need to make sure you have the right person doing the advising or they can lead you in the wrong direction and cause you to lose everything. It is a fact that most people will need the help of a financial expert at some point in their life. You will need their assistance with retirement plans, finances, investments, insurance, estate planning, or your income taxes.
When you use a financial advisor, they are able to guide you through all of the rules, regulations, and the complicated federal and state laws. It is through their recommendations that you are able to make your plans more solid. You know that you are on the right track when your advisor tells you so and advises you on how to keep everything going in the right direction. Even a person who is not on the right track can benefit from what a financial advisor has to offer. As a matter of fact, these individuals can go from being "down and out" to landing on their feet and establishing a stable financial future.
Choosing the right financial advisor
Compile a list of advisors you want to check out. You can check your local telephone book or do a search online. You can also locate financial advisors through an Internet search. Make an appointment with each company you are interested in. This hour of consultation may be free or it could cost you up to $150 or more. The time should be spent with you telling the financial advisor Michigan what you want. Be sure to be prepared by having your net worth, a statement of your income, and what your goals are. Preparation can keep you from having to pay out a large sum of money for the advisor's time. Confirm what the financial advisor's fees are. Ask how they are paid, how much they charge, etc. Those such as tax advisors and estate planners may request to be paid by the hour, while others may be paid through commissions they earn when facilitating stock trades.
If the financial advisor sells securities, they should have a Central Registration Depository, or CRD, on file with the state securities agency. During your appointment look for any diplomas or other credentials on the advisor's wall. If you do see such documentation, look at what the initials after their name say. You want to see ChFP for Chartered Financial Consultant, CFP for Certified Financial Planner, PFS for Personal Financial Specialist, or CPA for Certified Public Accountant. Unfortunately, most states do not have a licensing requirement, so almost anyone can call themselves a financial planner. This is why you want to rely upon credentials. If you have friends who have used a financial planner in the past or present, ask them about their experiences. Using the above tips can help you to find the financial advisor that is right for you and your particular financial situation. Here are just a few more tips to help you choose a financial advisor that is the right fit:
You may want to choose an advisor that does specialize in different areas if you want to experiment with different ways to make your money work for you. For instance, you need to be advised on how to save money, but you may also want to do some investing so that you can make your money grow. Having your services in one place can help you to save money rather than having different types of financial managers with their hands in your finances.
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ReplyDeleteGoogle Play is a digital content service from Google which includes an online store for music, movies, books, and Android apps and games, as well as a cloud media player. The service is accessible from the web, mobile app Play Store on Android, and Google TV. Purchased content is available across all of these platforms/devices. Google Play was introduced in March 2012 when Google rebranded its predecessor Android Market and Google Music services.
ReplyDeleteGoogle's Director of Digital Content, Jamie Rosenberg, stated on Google's Official Blog 3/06/12, "Entertainment is supposed to be fun. But the reality of it is; getting everything to work can be the exact opposite--moving files between your computers, endless syncing across your devices, and wires--lots of wires. Today we're eliminating all that hassle."
Google Play boasts 450,000 Android apps and games for download along with as many as 20,000 songs. The cloud based storage creates an Android cloud storage system capable of the same functionality as iTunes and opens up a whole new media system for Android users. Apple's App Store has more than 550,000 downloadable apps putting Google Play right behind the mobile app giant. Google and Apple will definitely be competing for the mobile-device market share since this transformation has been completed; making Google a force to be reckoned with.
Although Google Play will be marketed towards Android users, any Google user can get the benefits of the cloud-based storage. Google Music has the capability of storing 20,000 songs per user. Any previous songs you had already purchased or uploaded will not be affected by the change. As far as movies go, with Google Movies you are currently not allowed to upload personal movies to the cloud. The movie app is simple rentals only. Another thing to keep in mind with Google Play is that Google loves integration. Expect Google+ to appear prominently throughout Google Play and its apps to "connect users."
Considering the Apple App Store has had over 25 billion downloads and is rapidly increasing to an estimated rate of 15 billion app downloads per year, Google Play has its work cut out indeed! Google's move closes a "niche" that needed filling and by all accounts will give iTunes some clear competition. It's all about having everything in one convenient location and Google finally took the plunge and stepped into the big leagues. They have done it again with Google Play, so I say, "Watch out iTunes, you finally have legitimate competition in the mobile-app world!"