Source: http://news.feedzilla.com/en_us/stories/politics/top-stories/205685603?client_source=feed&format=rss
Wednesday, February 29, 2012
How To Choose A Financial Adviser - NASDAQ Investing
The following article will help you make the all the important decisions of how to choose a financial adviser you can trust.
There are 3 easy steps for choosing a financial planner in Australia.
Step 1 ? Understand Your Advice Needs
Not all financial advisers provide all types of financial advice. Some advisers are experts in wealth building strategies, other work only in personal protection insurance.
Therefore, you must choose a financial adviser who?s a match for the specific sort of financial advice you need.
The most common areas of specialisation are:
* Personal Protection Advice
* Wealth building and cash-flow management
* Advice for retirees or people looking to retire
* Self-Managed Superannuation Funds
Financial planners with many years of diverse experience may have knowledge in one, many or all of these advice areas. However, most are not experts in every area of advice because different types of advice require knowledge of the different strategies, legislation and loop-holes. That?s why it?s critical to choose a financial adviser who specialises in the type of advice you require.
Step 2 ? 5 Different Way To Choose A Financial Planner
Now that you understand the type of advice you require you can start searching for a financial planner to match your advice needs. Here are five different ways to choose a financial planner.
1. Ask Your Existing Service Providers
2. Ask A Friend
3. Contact Professional Associations
4. Conduct A Specific Search Engine Search
5. Use The Find A Financial Planner Matching Service
Let?s look at each of these options in more detail.
1. Ask Your Professional Service Providers
Your existing accountant, finance broker or general insurance consultant may be able to help you choose a financial planner. Be sure to explain the type of advice you require so they can refer you to a specialist financial planner.
One pitfall with this approach is that many finance companies also own financial products and may refer you to one of their internal planners who may only recommend their internal products. Also be cautious if the referrer will receive a referral fee for connecting you with a financial planner. If this is the case, then the referral may be in their best interest and not yours.
2. Ask A Friend or Family Member
Often you will find that friends or family members in a like situation have received financial advice. If so than ask about their experience, were they satisfied with the advice received?
Keep in mind that not all financial advisers specialise in all types of advice, so if it is insurance advice you are after it may not be sensible to ask a retiree for a referral to see their retirement adviser, and so on.
3. Contact Professional Organisations
There are several professional associations who can assist you to find a financial planner from their member database.
* Association of Independent Financial Advisers
* Australian Financial Advisers Association
* Financial Planning Client Advocate
* Financial Planning Association
Professional organisations like these can only refer you to a financial adviser on their member base.
4. Specific Google Search
Try conducting a specific internet search. Include in your search the advice type and a locations, for example, ?Investment Advice Brisbane?. Keep in mind that there are no third party recommendations with this method, as with all the other methods discussed in this article and this is the biggest risk.
5. Use Our Online Matching Service
Want a trustworthy hassle free way to be matched with a specialist financial adviser? The Find A Financial Planner websites is a free service designed to match you based on the type of advice you require and your location with a financial adviser that best meets your needs.
Another benefit of this matching service is that the financial planners need to pass an accreditation by the Financial Planning Client Advocate (FPCA) before they can be listed, which means you get an extra layer of security.
Step 3 ? Qualify Your Financial Planner
When searching for a financial adviser on FindAFinancialPlanner.com.au you know your adviser is FPCA approved, they have had background checks and an accreditation process to guarantee that they meet our high standards.
If you choose to go it alone, the following are some tips to help you qualify the financial planner you choose.
1. Check They?re Licensed ? In Australia, financial planners must hold, or be employed by a business that holds an Australian Financial Services (AFS) licence.
2. Request A Financial Services Guide (FSG) ? A Financial Service Guide (FSG) outlines the services offered, fees involved and what to do in the unfortunate event of a complaints. Obtaining a copy of the FSG which will help you assess a financial planner.
3. What Are The Fees & How Are They Charged? - Before you proceed with any advice, make sure you understand exactly what the fees are and how they will be charged?
4. Who?s Backing The Advice ? Who?s behind the advice if something goes wrong? Do they hold insurance? Are there any ownership conflicts of interest? A financial planning firm can be owned by or licensed by a financial institutions, fund managers or life insurance company. This can lead to conflicts of interest if the adviser is limited to recommending only that companies products.
The Financial Planning Client Advocate (FPCA) can help you when choosing a financial planner. Simply visit the FPCA?s find a financial adviser website to be matched with a finanical planner based on your location and advice needs.
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Source: http://nasdaqtradingnews.com/2012/02/28/how-to-choose-a-financial-adviser/
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Tuesday, February 28, 2012
Addicted to Self Improvement Programs
Are you a self improvement junkie?
Do you do have more than 3 of the following self help addictions:
Do you do have more than 3 of the following self help addictions:
Are you on more than 3 self help newsletters?
Do you peruse the self help section of your local bookstore?
Do you know ?The Secret??
Are you a loyal follower of Dr. Phil? Dr. Laura? Any self-help guru with a Dr. in front of their name?
How many self improvement books do you own?
How many audio self help programs do you have?
Do you pay for the latest program or book but don?t use it consistently for at least 30 days?
I feel your pain. I?ve been there too. Okay, I?m STILL there.
Fortunately, I?ve been able to take my addiction and develop a business out of it by reviewing self improvement products. Now I get fresh products and books sent to me on a regular basis to critique and include on my website or newsletter.
You may not be so fortunate. But don?t despair. I am here to tell you that wanting to enhance yourself is not a bad thing. In fact, man has been searching for enlightenment since the early eastern philosophers like Siddhartha and Confucius.
The person that is not looking to enhance themselves probably has very limiting beliefs and is not willing to change. They are the type of people that would benefit most from self improvement. So don?t regard your pursuit for self improvement as a bad thing.
The answer is to take action or apply the new insight you are aquiring so you will really see some self improvement. That is the key difference between a self help junkie and a self help performer.
If you are looking to get started in any self improvement course, start small. Sometimes trying to devote a whole hour a day to meditation, or brainwave entrainment can be too much to fit into your day.
For information about a brand new program that only takes 7 minutes a day to work self improvement thoughts into your subconscious, click on the link below. You?ll be taken to a review site for a free 30 trial of this simple yet highly effective program.
Remember, self improvement is an ongoing process but something that requires action ? everyday. Use this chance to create some change in your life.
GiGi runs a review site for self improvement products. To get more information about the revolutionary 7 minutes a day program and a free 30 day trial, go to:
http://www.self-help-product-reviews.com/selfhelp4
Article Source: http://www.articlealley.com/http://gigikonwin.articlealley.com/addicted-to-self-improvement-programs-187519.html
Source: http://makingalife.org/abundance-prosperity/addicted-to-self-improvement-programs/
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Vanessa Mooney Spear Me Brass Pendant Necklace Reviews ...
February 27, 2012, 9:05 am
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Monday, February 27, 2012
Learning Speed Reading
What have you been reading lately? In a gathering, you can tell who the broad-spectrum readers are. Wide readers often think and speak well. They win the admiration, respect, and good opinion of others. After all, reading expands the mind. In fact, many people consider it one of the most satisfying pleasures of mankind, combining, as it does, mental agility and physical relaxation way above the scale of television.
The act of reading is primarily a mental activity, since you read with your mind and use your imagination to paint the storyline of the action thriller you are reading. You use your mind to imagine the pain that the characters in the story are experiencing as the plot unfolds; or you contemplate the different arguments and ideas theorized by the author in that self-help book you are holding.
Being able to read effectively helps you to develop a wide vocabulary through reading different styles of books. A skillful reader recognizes a wide range of vocabulary. The reader may not know exactly what every word means, but he/she will have a good idea of what the sentence means.
Reading makes you more alert and more curious about new words. Some readers develop ?the dictionary habit?, which means that every time they come across a strange word, they try to figure out what it possibly means from the context. If they are stumped, they refer to the dictionary.
In the same way, reading develops intellectual curiosity by exposing you to different subjects. You learn to read by reading books of increasing difficulty and variety. Just as in other forms of education, you are learning by actually doing and while you are reading you are automatically learning about the subject matter of the book too ? like a free by-product!
Basically, reading trains you to have an active and open mind. Only grasping the writers point of view is not really good enough, you have to have a response to what you have read. Be an active, not a passive, reader. Try to develop the habit of drawing your own conclusions, the habit of active thinking, of agreeing or disagreeing with the writer. Always keep your mind open; understand and weigh the ideas that you have read. A practical part of active reading is the development of one?s own opinions.
Now let me tell you to the phenomenon of speed reading. All of the above applies between three and ten times over, because speed readers can read that much faster than the average reader! Consider that! ? Being able to read, understand and remember all those books. You would certainly become well-read in your subject much more quickly than others. Just imagine how that would help you at work or in school or college ?
Now, let me show you the four primary rules for better reading and better comprehension:
1) Try to read more and more every month. Remember the saying that practice makes perfect. 2) Develop the habit of reading for main ideas, ie look for the subject and predicate ? the main ideas 3) Learn to read with focus and concentration. Think of what you are reading. Good readers read with understanding. 4) Learn to budget your time. Experiment with your reading time. Try purposely to read faster. Give yourself a time limit for a specific article that you are reading.
Reading is a fantastically stimulating mental activity. It expands your understanding and capability. You really have so much to gain by learning the joy of reading. So, go on and get down a book right today.
Owen Jones, the author of this article writes on numerous subjects but is currently involved with Free Home Schools. If you would like to read more, please visit our website entitled How To Stay At Home From School.
February 26, 2012 by Owen Jones
Source: http://www.jobtrainingplace.com/education-and-training/learning-speed-reading/
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Saturday, February 25, 2012
Navigating differences in business negotiations : clipclip
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Source: http://www.clipclip.org/odie/clips/detail/1197030
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Thursday, February 23, 2012
Executive Jet Charter Redefined via Paramount ? Article Heaven
[unable to retrieve full-text content]We specialize in providing the rather highest top quality executive jet charter solutions for travelers who need in order to bring the particular simplicity plus ease back to be able to travel. We all offer the particular best perks inside the ... If recreation is actually your individual priority, we all could outfit your individual isolated jet with all the most modern leisure systems inside addition with elegant food and also beverage service. In the event you need a bit of time with ...
Source: http://article-heaven.us/2012/02/22/executive-jet-charter-redefined-via-paramount/
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Tuesday, February 21, 2012
Garage Door Monitor: Tips For A Better Home Inside And Out ...
Try a landscaping project to bring a new look to your home and your yard. Incorporate beautiful flowers, plants, shrubs, vines, mulches and various nice stones to improve the look of your landscape. Adding attractive landscaping to your home will not only increase your home?s value, but it will also make the neighbors jealous.
Putting up a new mailbox is an easy project to start off with. By putting in a newer mailbox, your house will have better curb appeal. Just be sure when you?re doing the installation that it conforms to all city codes. Installing a new mailbox is a relatively quick home improvement.
Use a porch light with motion sensors to illuminate your yard while saving costs on your electric bill. You can still turn the light on manually when you need to, and most models also let you fine tune the sensitivity.
When you are thinking about your plans to improve your home, think about how much water you use. Low-flow shower heads, water-saving toilets and tank-less water heaters can be easily purchased and installed. These new fixtures will save money, eliminate wasteful water usage and add value to your home by being more modern and environmentally efficient.
It can save a lot of money to get together with your neighbors and share tools with each other. There?s no reason for everyone in your neighborhood to own the same rarely used tools! This allows everyone on the block to save rental and purchase fees by sharing tools and specialty equipment. The best part is that the two of you can share tips.
Fresh paneling can quickly and easily improve the appearance of your home. Putting in new panels will give your home a new feel for a low cost. If you do change your mind and do not like what you have done, they are very easy to remove without causing a lot of damage to your walls.
If you find a hole in your home, fill the hole with steel wool to detract mice. Steel wool is not something most rodents can chew through easily, so it gives you a temporary stop gap until schedule permits you a more permanent repair.
You need a copy of every piece of documentation including permits, applications, reports, etc. Before you hire a contractor, ask him if you will be receiving those items.
How many times have you looked at a house, and thought about how many bathrooms it has and whether or not it would work? Presence or absence of bathrooms also has a major effect on property values. Having a spare bath or two will enhance the value of your home.
Ideally, you will now have a whole new perspective of how to reach your goals for improving your living space. With the right tools, you can make your home into one that is truly suited to you. Home improvement can keep you busy on weekends and save you a lot of money.
Garage
Door Monitor
Garage
Door Monitors
Source: http://garagedoormonitor.org/tips-for-a-better-home-inside-and-out/
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The Origin Of The Tablet Computer | 2Articles.com - erofenakafeb's ...
There is a law in the realm of computing known as Moore?s Law, which stipulates that the number of transistors ? which make computers and other digital devices work ? that can be placed on an integrated circuit doubles roughly every two years. The implication of this is that a chip of the same power can be made half the size two years later. This trend is mirrored in the actual size of consumer end-products, although the changes in size are not of the same magnitude. Portable computing has always been a hot industry, and with a new Android tablet being announced almost every month, the age of the tablet computer is upon us.
So many years ago, computers had only a single overall form-factor ? that of the desktop. Even with the invention of the Macintosh computer, Apple?s first successful computer, computers remained resolutely tied to wall sockets and external keyboards. Then with the invention of laptops, computing became mobile, with many people discovering the convenience of being able to take a computer on the go. In the last few years, with laptops being manufactured that weight next to nothing, the mobile computing trend really took off.
By now, manufacturers had realized that people were really looking for more mobile computing options, which would allow them to accomplish more while on the move. This reflects the increasing pace of modern lifestyles, where people want to get work done or make use of social networking even on a short train or bus ride or while walking somewhere.
Apple was the first to bring the modern tablet computer to the market with its iPad. Apple?s first foray into the tablet computer market was prohibitively expensive, however, due to the newness of the technology involved and also Apple?s premium branding. The success of Apple?s tablet computer prompted other digital technology manufacturers to start making tablets of their own, and this led to the introduction of the Android tablet.
The main difference between an iPad and an Android tablet is the software running on the Android tablet, which also gives such tablets their name. Android is an operating system designed and marketed by Google, and it was first used successfully in mobile phones. Manufacturers realized that the software could be easily modified to run just as successfully on tablet computers, however, and the first Android tablet was born.
Today, almost everyone has heard of the tablet computer, and many households have at least one tablet. In some households, there is even a tablet for each family member. The uses of tablet computers are myriad, from mobile computing that allows users to work on the go, to mobile gaming, and even children?s education.
The sheer number of such computers being sold worldwide shows that, like the laptop, they are here to stay. In the coming years, the technology market is sure to see a great many more innovations revolving around tablet computing and consumers are sure to welcome the greater selection.
If you are looking to purchase an Android tablet, then there is no better place to find one than mp3mp4players. They have a large tablet computer lineup of products to suit your needs!
-->http://www.2articles.com/trackback/102169
Source: http://www.2articles.com/story/the-origin-of-the-tablet-computer
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Source: http://erofenakafeb.posterous.com/the-origin-of-the-tablet-computer-2articlesco
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Saturday, February 18, 2012
How To Find the Right Real Estate Broker in Mississauga?
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Thursday, February 16, 2012
Van Eck Debuts Unconventional Oil & Gas ETF
Van Eck announced today the debut of an exchange-traded fund that offers exposure to companies employing ?unconventional? approaches towards producing energy commodities such as crude oil and natural gas. The new Market Vectors Unconventional Oil & Gas ETF (FRAK) will seek to replicate an index comprised of companies operating in segments such as coalbed methane, coal seam gas, shale oil and gas, and oil sands.
Under The Hood
The new ETF will consist of companies that have the potential to generate at least 50% of their revenues from unconventional oil and gas. The underlying Market Vectors index consists of about 43 individual components, with U.S. companies (71%) and Canadian stocks (29%) representing the vast majority of the portfolio. FRAK has a tilt towards large cap companies, as about 84% of the underlying index consists of stocks with a market capitalization of $5 billion or more. The largest individual weightings include:
- Canadian Natural Resources (8.6%)
- Occidental Petroleum (8.4%)
- EOG Resources Inc. (7.2%)
Though there is some overlap between the components of FRAK and other more conventional energy ETFs, this fund will generally offer exposure that is different from the other products in the Energy Equities ETFdb Category. Perhaps the closest competitor will be the Guggenheim Canadian Energy Income ETF (ENY). That fund is linked to an index that includes Canadian oil sands producers, shifting exposures based on trends in crude oil prices [see Reviewing The Forgotten Oil ETFs].
Unconventional Oil & Gas 101
The case for new ways to generate oil and gas is a relatively easy one to make; supply of these resources is finite, and rapidly-expanding emerging markets have dramatically increased their need for fossil fuels in recent years. That creates an opportunity for firms able to access oil and gas deposits and extract these resources from once inaccessible locations.
In general, unconventional oil and gas methods refer to new techniques used to find, extract, and produce energy commodities. It?s important to note that these techniques are often applied to known or existing sources of oil and gas, allowing companies to squeeze additional output from known supplies. In many cases, unconventional approaches are allowing firms to extract hydrocarbons from locations that had previously been discovered but that had been impossible to ?unlock.?
Some of the unconventional approaches that have become increasingly common in recent years include:
- Shale Gas: This refers to natural gas locked in sedimentary reservoir rock formations. New technologies allow companies to drill into the rock and extract potentially massive amounts of gas. Huge discoveries of natural gas shales have been made in recent years in the U.S., leading to optimism over the viability of this ETF as a component of the long-term energy equation.
- Coalbed Methane / Coal Seam Gas: This refers to natural gas that has been absorbed into coal, and as such must be extracted from coal beds.
- Oil Sands: Also known as tar sands, this term refers to sand or sandstone that contains a mix of clay and water along with petroleum. Oil sands have only been recently added to the definition of global oil reserves, as new technologies allow for petroleum to be extracted from this mixture.
There are, of course, some risks associated with this corner of the energy market. Most notably, some techniques for extracting natural gas have drawn the attention of regulators and environmentalists. Hydraulic fracturing of ?fracking,? a process that involves pumping sand and fluids down a well and into underwater rock formations, is currently the subject of several investigations; the Obama administration recently proposed a $45 million study that will expand upon EPA research on the impact of fracking on drinking water quality.
?We?re pleased to add FRAK to our family of hard assets ETFs,? said Allison Lovett, Vice President of Marketing at Van Eck Global. ?As momentum continues to build in this innovative sub-sector of the energy world, companies in this space are poised to lead the way in the discovery and extraction of energy from new and existing sources.?
Disclosure: No positions at time of writing.
Disclaimer: ETF Database is not an investment advisor, and any content published by ETF Database does not constitute individual investment advice. The opinions offered herein are not personalized recommendations to buy, sell or hold securities. From time to time, issuers of exchange-traded products mentioned herein may place paid advertisements with ETF Database. All content on ETF Database is produced independently of any advertising relationships. Read the full disclaimer here.
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