In this Marxist age it is easy to be deceived by white collar gentlemen who claim to be financial advisors. These gentlemen often charge an alarmingly high price and an astonishingly under-performing investment. Their deceit is concealed under a fancy collection of words in black and white, thus disguising their commission, or depicting high-cost options as the only other choices you may have. Some of them are good Christians, and may even offer “free” advice with the investment they have to offer. Thus very slyly, these blokes take away your money from you willingly and wrongfully. In cases such as aforementioned, it is always safer to turn to a fees-only certified financial advisor – not a rarity anymore as the CFP is now offering free consultations in various cities. This is not only a way to get rid of these white collar cheaters but also a great chance for all those needing financial advice to get some for free.
1. Financial Advisers
Certified financial advisors are those who have had at least three years of experience and a reputation based on good advice. They not only give credible and unbiased advice, they also adhere by ethical and professional boundaries which make them more reliable. The fees-only financial advisor gest paid for his time rather than his useful words, and thus his payment costs may vary from $125 to $350 for an hour to $2,000 to $5,000, depending on the magnitude and quality of advice that is desired. Their time and guidance may cost you a bit – sometimes many bits and bytes – your money pays off as a financial advisor offers the most unbiased advice you will get.
2. Free Financial Advice
The CFP offers you a chance to get to talk to a good, certified financial advisor for free – though only for a few minutes. This petite fifteen minute talk will, however, will solve quite a number of your problems if you know which ones you want to tackle. By extracting free financial advice you will have experience and will understand better whether you want to go out there and hire an certified professional or not.
You can ask for free financial advice about how to pay off your debts or whether or not to refinance your mortgage. You can ask the advisor if it is secure for a person your age, with your experience to have investments (if there are any) and whether it is risky or not. You can ask him whether or not you are saving enough money or about cost-effective ways to whatever it is you are seeking. Insurance is always a nagging problem and you can seek your free financial adviser’s help in finding out whether or not your insurance plan is secure and whether or not you are not taking any risks. If your retirement is nearby, you may have questions regarding Social Security and investments regarding post retirement scenario.
The CFP’s Financial Planning Days may only offer you fifteen minutes of free financial advice but they may change your life if tackled seriously.
The European economy may be a good indicator for the next global slump. Is it possible to catch the next global economic downturn before it happens? The fact that Europe has some strong economic players did not stop the Eurozone falling into depression during the global economic downturn. This time, governments are more prepared, and it could be possible to prevent the next slump from happening.
Banks don’t always give us enough security to help us sleep well at night – sometimes; banks can be annoying and unfair. There are times when even the most careful customer with the most responsible checking account history is charged for unjust bank fees. This injustice incurs from bank fees that are deemed “unfair” by the customers – mostly due to their own recklessness or their lack of knowledge about banking and our sheer ignorance. Sometimes, it is none of the aforesaid that causes banks to charge these fees which at times can be a huge lump of money. Sometimes, it is spontaneous and inevitable to be flanked by unfairly managed and costly bank fees.
Affiliate marketing involves paying a company to disseminate your adverts on their websites and search engines, and in most cases, you pay if someone clicks on one of your adverts. This is called Pay Per Click, and it is the most common method of affiliate marketing, and here is how you save money on it.
Governments are trying to reduce private and public borrowing. The main reason is that they do not want to see another global economic downturn. It is very easy to blame the bankers for the last time, because it was their fault, but people have to take some responsibly for the money they borrowed and spent.