• Instantly Ageless Review – Is It A Good Choice?

    Instantly Ageless is an exceptional product, which aims to reduce various signs of aging on the face. According to the manufacturer, the product can reduce signs of aging within a couple of minutes. This anti wrinkle cream is marketed as an effective and safe product. There’s a common problem with most skin care products. They don’t give quick results, and may even cause some side effects.

    The official website of the product is detailed. Or you can follow the instantly ageless outlet twitter account. You can even find images of customers who have used the product. It’s worth mentioning that the results from using this product are dramatic. When you apply this serum on your face, you get rid of sagging, wrinkles and many other signs of aging.

    Instantly Ageless can be conveniently applied after applying your moisturizer. In order to notice positive results, you just need to apply a small dab around the eyes. The serum properly gets absorbed into your skin, and provides you with great results within a few minutes.

    According to the company, a lot of research has gone into producing this product. This is a clinically proven formula, which does not contain any fragrances. Therefore, it is suitable for many different skin types. The product does not cause any irritation or itching. When you want to achieve best results, you should use this product every day. Though it is not a permanent solution, it’s an excellent choice for temporary results.

    Key Benefits

    The most important benefit of using this product is that it offers instant results. When it comes to skincare products, instant results are rare. However, this product gives quick results to help you get rid of various signs of aging. The official website of the product highlights the results with before and after images.

    jeunesse instantly ageless

    Since Instantly Ageless does not contain any fragrances or chemicals, it feels gentle on the skin. With this product, you do not experience any side effects. You can easily find numerous customer reviews and testimonials on the Internet. The product can also be easily purchased through the official website and affiliates.

    Minor Drawbacks

    A minor drawbacks of the product is that it does not offer a customer satisfaction guarantee. Moreover, it is also relatively expensive. However, since the product gives effective and quick results, every penny you spend will be worth it.

    How to Apply?

    Applying this anti wrinkle treatment is very convenient and easy. You just need to apply a thin layer of serum on target areas with wrinkles and fine lines. Pat the serum on your skin lightly, and leave it there for a while. For about 3 minutes after application, you should remain expressionless.

    Is It Safe To Use?

    According to the manufacturer, this anti wrinkle treatment is effective and safe. Unlike other products in the market, it does not cause any side effects. Before you start using the product, you should still check for sensitivity. You should apply the serum on a small area of your skin to test sensitivity. In case you experience any irritation or redness, you should wash the serum with water.

    Is It Suitable For All Skin Types?

    According to the company and the Instantly Ageless reviews we’ve read, it is suitable for every skin type. It can also be used by people with sensitive skin. However, there’s a possibility that some people are highly sensitive to a few ingredients. Therefore, before using the product, a skin test is extremely important.

    If you go through customers reviews and testimonials, you will realize that Instantly Ageless is an exceptional product. It’s definitely worth trying. The product contains active ingredients with powerful effects in reducing wrinkles, fine lines and other signs of aging. The product also comes with a money back guarantee.

    Instantly Ageless is conveniently and readily available on the Internet. It can also be bought from offline stores. The product is used in a wide range of spas, massage centers and other such establishments. Though the product is relatively expensive, its still worth a try. The benefits of this product justify the cost.

    The manufacturers of this anti wrinkle treatment make some bold promises. When it comes to providing the reason to purchase their product, the manufacturers don’t take a step back. All their claims are validated by customer reviews and testimonials on the Internet. If you purchase this product, you won’t regret the choice.

  • How to Choose a Financial Advisor?

    Most people would agree that choosing a financial advisor could really be a daunting task, especially if you’re not even familiar with the factors that should be taken into consideration.


    If the choice is made correctly, expect to reap a number of benefits after quite some time. However, if done carelessly, your choice could be disastrous not only to you, but even to your family as well.

    Picking A Financial Planner Wisely

    Here are some useful tips that will help you identify, evaluate, and choose a financial planner that’s really capable of solving your financial problems and help you achieve your financial goals with ease.

    Tip #1: Decide What Type of Financial Planner You Really Need

    There are 4 basic types of financial planner and each one differs from the other.

    Registered Representatives: These are also known as investment representatives, stockbrokers, and bank representatives. Their main job is to sell investments as well as insurance products, and they’ll get a commission for doing so.

    Financial Advisors: They’re better known as IARs (Investment Advisor Representatives) and RIAs (Registered Investment Advisors). These professionals have the highest ethical standards in the financial services industries, because they’re usually compensated with fees, and they’re also considered as financial fiduciaries.

    Financial Planners: These professionals don’t need to have a license in order to execute their job. Likewise, anyone is capable of being a financial planner. So, it’s advisable to opt for one who has a CPA/PFS, ChFC or CFP certification.

    Life Insurance Agents: Life insurance is becoming a bigger part of sound financial planning. Some Edmonton life insurance agents will carry a life license as well as other licenses. While others may only carry a life license.

    Money Managers: They have the same characteristics and registrations that a financial advisor has. However, their distinguishing feature is that they’re allowed to make decisions for the investors even without the approval.

    Tip #2: Be Objective at All Times

    After being familiar with the different types of financial advisors, you can now use the process of elimination. Try to figure out which one would be really helpful to you and exclude the other three. Make sure to identify the weakness of each and focus on the qualifications too. Among other things, it’s advisable to opt for a financial advisor that specializes in retirement planning. Likewise, no matter how promising it may sound, never choose an advisor just because he has an outstanding sales skills and appealing personality. Chances are, this isn’t really the kind of advisor you need.

    Tip #3 Gather and Analyze the Data

    As much as possible, try to collect the same information from a number of professionals you’re eying on– this would make the comparison process easier and more convenient.

    Also, your data gathering should focus on these categories:

    • Ethics: Criminal record, compliance record, registration, licensing, fiduciary status;
    • Credentials: Education, experience, certifications;
    • Services: Money management, planning, investment advice, tax advice, insurance advice, legal advice;
    • Business Practices: Methods of compensation; track record, types of reports, expenses; ongoing services;

    Tip #4: Check the Internet, but Don’t Solely Rely on It

    If you’re not aware, which we doubt, you can find public information on the Internet, but it doesn’t mean that everything would be true.

    However, the good thing about this is that you can maintain your anonymity and go beyond the advisor’s own website like http://www.financialadvisoredmonton.ca to see testimonials and if the advisor has any other social proof.

    • If you already have an advisor in mind, Google his name and the firm he’s working in. Visit at least 20 of the hits you’re going to get.
    • Check the third-party contents, such as websites, newspapers, and magazine, that mention the financial planner you’re considering.
    • Keywords can help you know the advisor better. You can combine the firm and the advisor’s name together with these words: lawsuits, fraud, scams, fines, FINRA, suspensions, etc.
    • Visit the SEC and FINRA to check the advisor’s records.

    Tip #5: Meet in Person

    If you want to attain a successful interview, you should try your best and establish control from the very beginning.

    Keep in mind that advisors have the tendency of controlling the interview because it allows them to show their good side while trying to hide their flaws. Aside from that, letting the advisor take full control of the interview would mean that you’ll only hear what they want you to hear.

    So, before you meet, it’s important to prepare an agenda and stick with it all throughout. This will also help you compare the advisors, especially if you’re going to use the same questions. Written responses should also be required.

    Tip #6: Don’t Forget to Check the References

    Most advisors rely on references to verify their performance, quality, ethics, and business practices. Though, don’t rely on the references given by the advisor, because there’s only a minimal chance that they’ll be honest and show their bad side. Instead, ask their previous clients and ask them about their experience with this financial advisor.

  • Does The Visalus Business Work? – Just My Opinion

    Hey guys!

    Back with another post. I know I know, as soon as you read that title you rolled your eyes right?

    You’ve been approached by people for the last 2 years hounding you about this Challenge thing.

    Well just like you I’ve been in the target sites for many of the promoters out there. I guarantee you that with all the local networking I do here in the city that I get hit up far more than anyone haha.

    It’s funny though.

    You can only be approached so many times about something before curiosity sets in and you just have to cave and investigate.

    So that’s exactly what I did.

    As most of you know I love picking apart businesses and finding the holes.

    I’ve actually made a nice little career out of separating the winners from the losers.

    So here it is. My assessment of the business and the model.

    ViSalus Business Review By An Expert

    Many people would like to start a home based business these days.

    Being a small business entrepreneur has become a continuously growing trend, especially since the economy is not in best shape, the unemployment rate is high and job security is lower than ever.

    Many of those who are planning to start their own home based business have maybe heard about Visalus.

    But does the business work?



    We think that it certainly does work and there are many success stories to prove that.

    Now before I dive too deep please know that this Visalus review isn’t going to cover everything, but I’ll do my best.

    The company is a UK bound multi-marketing program that has become North America’s number one weight loss and fitness challenge as well as a great business opportunity.

    Becoming partner with Vi can lead you on a path to prosperity.

    They provide great incentives and a great compensation plan. It’s no wonder why the Body By Vi Challenge has became one of the fastest growing health and fitness movements in North America. In fact statistics show that every month over 150,000 new challengers are joining the program. The Vi community of promoters put passion and conviction into transforming the lives of others every day.

    They bring health, prosperity and a better life.

    As a member of the company and team you will receive all the needed support in order to expand your home based business.
    The program provides great incentives such as the Director Rising Star that helps catapult you to early success and makes you eligible for 2% of the company’s bonus volume going into the exclusive Rising Star Weekly Enroller’s Pool.

    There are many reason why people are joining the business program. Some are thrilled with their fitness and weight loss results and want to share the health potential with other, while some join the program because its great potential to bring wealth and prosperity.

    It is proved that a multi-level marketing system is one of the most reliable solutions for a long term online income.

    The Visalus home business has the advantage to make it possible for you to make money as long as you’re willing to put in lots of work.

    Another great advantage is the fact that you are able to work from home and decide when you work and how much work you do. You are the only one who dictates the kind of success you can achieve.

    You also have great tax incentives for a home business, being able to declare your expenses on your taxes. This can help you save on your utilities bills such as water, gas, electricity, cell phone, internet and more. (seek out one of the accountants in our group for proper tax advice.)

    By becoming a business partner with Visalus you can start living your dreams and achieve financial freedom and prosperity. The first choice in the Visalus program is the Basic Promoter Kit. However, this cheap kit allows you to recruit only new customers but not new promoters and you are not eligible for the BMW Club incentives.

    Another choice is the Executive Promoter Kit that allows you to start promoting the Challenge and recruit not only customers, but also promoters. With the Executive Promoter Kit you get eligible for the BMW Club incentives and have your chance to win a free BMW. This is a worthy choice because most of the people are able to make the money invested in this kit back after promoting for only one month.

    A third choice is the Start Promoter Kit that offers a lot of magazines, samples, and DVD’s to advertize to your prospects.

    The program allows you to use products for yourself and/or to advertise and sell the products to the masses. The BodyByVi product is great for those who want to increase their energy levels and lose weight in the same time. The product helps you manage your body weight at optimal balance and increase your lean muscle mass.


    BodyByVi’s main product is a nutritional shake made up of entirely natural products. The nutrition rich shake provides all the minerals and vitamins needed daily. It is a product suitable for athletes as well as regular people who want to improve their health. BodyByVi offers numerous benefits over other “protein shakes” and tastes like a cake mix.

    Vi-Shape Nutritional Shake Mix can save you money, provide a perfectly balanced meal, comes in a convenient form and provides amazing nutrition. The shake is based on a proprietary Tri-Sorb protein blend containing Whey Protein Hydrolysate, Whey Protein Concentrate, and Soy Protein Isolate.

    This innovative formula helps support a healthy weight and lean muscles. The shake is low in sodium, gluten free, lactose free, low in carbs, rich in fiber, and comes with 23 vitamins and minerals.

    With such great products it’s no wonder that the Body by Vi Challenge has become such a fast growing health movement. And it is certain that by becoming a promoter you can enjoy a stable income based on many incentives, commissions, cash bonuses, and other rewards.

    Like I’ve mentioned many times it’s always based on your own personal efforts.

    Some factors that will play into your success with the business.

    • Your drive (what’s your reason for doing it?)
    • Your personal network (who do you know?)
    • Your work ethic (are you a lazy bum?)
    • Your schedule (Do you have your evenings free?

    There are obviously more factors but if you can legitmately go down this list and check off each one of these than you got a shot.

    I ultimately decided the business wasn’t for me personally but im seeing people succeed with it here in town.

    Who knows, maybe it’s just what you’ve been looking for.

  • Tips on How to Start an Interior Design Business

    Hey gang,

    This may be a longer post but I wanted to get this out to you and do it the justice it deserves.

    I have a friend in town who owns an interior design business selling blinds, drapes, carpets, furniture, you name it.

    And she’s KILLING IT.

    Her business has nearly tripled in 2014

    I sat down with her over a glass of wine the other night and we talked about why her business was exploding. I was shocked to hear her say how much opportunity there was in the niche for those willing to put in the work.

    I know so many people (including many of you) who would be amazing at this.

    So here it is.

    Blinds Bring In The Bling!

    If you are creative enough and have an eye for design, then a home decoration business is the right way to go. If for sure you are skilled and talented, starting an interior decoration business is the easiest thing you can ever find. In fact, you do not need to invest a lot in order to start a home decor business. Rather, you only need to be artistic and have good business skills in order to get started. So, if you possess the right qualities, then you can make a prosperous career out of the interior design business.

    If you want to venture into interior design industry, you may complement your earnings by selling decorative objects or offering house decorating services. Explored in this article are some helpful tips on how to start an interior design business.


    To get started, you first need to create a good budget.

    Like any other type of business, capital is a big necessity. So, the first step in starting a home decoration business is to determine your budget and also write a business plan. While drafting your budget, have in mind your target group. Also, put in mind the medium through which you are going to reach your clients. Do not forget to include the inventory for your decor, as well as vehicle maintenance and insurance. Actually, a well-drafted budget will guide you when commencing your home decor business.

    Next, you need to decide how much will be your charging rate. Sit down alone and plan whether you will be charging per day or per hour. Figure out whether or not charging per the total project will be profitable. Consider going for an option that seems to be gainful. Remember this is a business and you have to make profits in order to excel in the industry. You have to calculate the cost of materials plus your labor to see if you will gain something if you adopt a certain way of charging your clients. Actually, knowing the charging rate of your competitors will give you an idea of the current market rate. In short, do your research pretty well before engaging yourself in this kind of business.

    You also need to have an attractive price for the service most clients use. This is good because you want them to keep on utilizing the service. In fact, you can offer some discounts to your clients. For instance, if a client wants to decorate the whole house, you can offer discounts per single room. Remember that some clients will not be able to afford to have their entire house decorated. So, you can talk to them and try to charge them well per room and they will definitely accept your offer. Actually, discounts can make you shine in the market. Alongside the offers, try to convince your clients that you are the best. If for sure you offer good discounts that will enable them save money, then they will go ahead and spread the gospel. This way, you will find yourself having dominated the whole market.


    Again, it is vital to have a good relationship with the companies that supply you with products. My friend was mentioning she had a relationship with a window fashion company in Canada called Blinds Edmonton. They hook her up with wholesale prices which helps increase her margins as well as give her more room to offer good clients great deal. Check them out here http://www.blindsedmonton.ca if you decide this is a business fit for you. If you establish a good relationship with such companies, they may offer you great discounts with every decoration materials you purchase. Also, you will be able to receive updates about the latest decors and even those that are yet to arrive in their stocks. In fact, a good rapport with the suppliers of your materials is a good way to go.

    Also, the other great step to starting a home decor business is to make a good portfolio. In fact, you need to have a collection of all the works you have done in the past. This is good because your potential clients will be able to see it and judge your expertise. Creating your portfolio is not a hard thing. If you are a starter in this type of business, you can employ some tricks to create a good profile for your prospective clients to see.

    For instance, you can start by decorating your own house and take several photos of it to add in your portfolio. Make sure you take the photos of the house before and after decoration. In fact, you want your clients to see the difference between a decorated and non-decorated house. For your clients to see different types of pictures and get convinced, you may even decide to decorate those of your relatives and neighbors and take pictures to add to your portfolio. Actually, your pictures will depict your style of decorating. If you do it well, then people will find you.

    The final step is about advertising your business. Actually, you are supposed to promote your business fully for people to know about your existence. Start by advertising locally. You can create attractive brochures and business cards and give them out to your customers. After that, you may advance a bit and start placing ads in the local newspaper or magazines for people in the community to see your work.


    If still you are not reaching the audience well, create a website. This is the most effective way of advertising. Look for an expert to design a good business website for you. Add great content to your website as well as pictures of your past work. Fill your online gallery with pictures of your previous works. Also, use social media to advertise your work and be directing clients to your business website. This way, many people will come to know about your existence, and for sure you will succeed in your interior design business.

    In a nut-shell, an interior design business can actually be very profitable if you follow the outlined steps pretty well. Remember that people always want their houses decorated so that they may look attractive. Truly, everyone would want to make his or her house a home. So, obviously you will not miss customers for your business. Actually, if you know how to start a home decoration business, just get into it and make super-normal profits.

  • A Tree Service Company – Small Business Blunder or Goldmine?

    After my post last week about alternative retirement options my wheels have been spinning!!!

    There are literally thousands of small businesses one could start to spit off additional income in retirement but how do you choose one?

    I’ve been around small business my entire life so I know there are lot’s out there. This past week I was sitting around with a few fellow entrepreneurs when a business I had never really thought of came up.

    After doing a little research I thought I would share my findings.

    May turn that green really means gold!

    What Is A Tree Service Business?

    Trees are part of nature, and they help to add glamour to the area.


    The deep green color of most trees is one of the things that attracts many people, and this helps to beautify the landscape. Basically, it is illegal to cut trees, if you do not have the authority.

    However, for the tree services companies, they are always given the mandate to cut down trees, especially those that may prove to be dangerous to the residents. There comes a time where the trees grow in the wrong way, or they could have been hit by heavy rain or wind, then they fall on the house.

    When these situations occur, a tree service company will step in to take care of the condition. So basically, the arborists will be needed time and again, but can tree service businesses be profitable?

    This will be determined by a number of factors, concerning the clients. Nevertheless, the tree business services will be needed because of the following conditions;

    Need Of Land Beauty

    A person could need to make their area look more presentable, when they need a better looking environment, and they have trees around, the trees might be the point of focus. Normally, there are different types of trees, and some will shed leaves more than others. If they are tired of the constant shedding of the leaves, they will most definitely need an arborist. Also, there could be some trees that have uneven growth of branches. Here, a tree specialist will be needed to trim the trees and get rid of the outgrown branches, thus, improving the appearance of the trees.

    The Need To Convert Trees To Wood

    If a homeowner has a number of trees in their place, and would want to make wood out of them, then they will need a professional to do the job. Normally, tree service companies have the necessary equipments to cut down trees, and even chop them into pieces of woods. For that, the tree specialist will be needed to take care of the situation and even chop off the cut down trees into pieces of woods.

    Weather Calamities

    The weather cannot be controlled, it happens due to the condition of nature. And for that, the weather conditions are natural. There could be a heavy rain in an area, which has swept out everything, including trees. These trees might have fallen on the houses, which makes it uncomfortable to the residents. As an example this happens quite frequently on the east coast during hurricane season. In this instance the tree service Raleigh NC has in place would be desperately needed in order to clean up and pull the trees that have fallen down. They will have special equipments and proficiency to take care of the fallen trees on the house. This will help to avoid severe injuries if anyone else tries to get the trees off.

    For Safety Purposes

    Trees are planted anywhere, and they are very many, especially in the suburbs, or along the highways. There could be some trees that might have grown in an area that they could be considered hazardous by the health and safety authorities. For instance, a tree might have grown taller, and it is almost touching the electric wires. Here, the trees will be needed to be cut, in order to avoid electrical shocks, which might lead to electrocution. The tree service company is the most appropriate company to be hired for the job, since they have the necessary skills.

    For Health Reasons

    There could be some trees that have grown old, and they have been considered dangerous to the people around. Constantly, children will play around as they touch everything, including the trees. For that, they might touch the trees that are diseased, and this could be dangerous to their health. There are some trees that are affected by certain diseases, which make them produce fungi. If such trees are noted around the residence, the tree service company will be needed to get rid of the tree. They will be equipped by equipments and skills that they will use to get the tree out.


    Generally, the tree service companies are becoming more and more vital to people. One person will need to trim the trees of their area, another would need to cut down trees for the sake of expansion. All in all, the tree services are marketable in the current market.

    And for that, a tree service can be very lucrative.

    Just check out what Christian’s been able to do with his small business:


    Another good thing is that there are not so many tree service companies, which makes the services to be slightly higher to hire, for that, the company will benefit more.

  • Le-Vel Thrive – Can A Work From Home Business Save Your Financial Future?

    As most of you reading this are well aware of, generating an income in retirement is going to be a challenge for the majority of us.

    Unless you have managed to be one of the few who has saved a substantial sum of money to live off of. Then chances are good you will need to either continue working or come up with some sort of plan B.

    Like most you probably have been pitched the home based business avenue.

    But unlike most of these companies we may have come across something a little different that may lend some legitimacy to the option of working from home in your later years.

    Le-Vel is an innovative brand company that aims at enhancing lifestyles for a more satisfying experience. It’s not just about products that work.

    The whole company is optimized for maximum benefits of the customer and the promoter. The growth has been tremendous evidencing the quality and reliability of products as well as the professional standards of the operation.

    The company integrates technology in its operation ensuring that everyone gets the most out of the experience by optimizing its marketing strategy and expansion of the brand. Due to these innovative and fresh formulas for growth, the Le-vel Thrive products have been ranked top among new Premium product lines and branded companies.

    The Thrive Experience

    Weight loss is discussed widely all over the world and the struggle to deal with these issues is real. With the steep rise in lifestyle diseases and general ill health, there is a need for a long lasting solution.

    Weight management needs not only to aim at looking good but also at improving the general well-being of the individual. It is about enhancing the whole self, encouraging holistic living.

    Thrive is more than a product brand; it is a lifestyle.

    Just ask Chris Arnold.

    The experience I’ve had with this stuff so far has been incredible. It’s a game changer when it comes to my health.

    The Thrive Experience comes in different packages that work in synergy to promote the best outcome. The products are rich in vitamins and minerals, amino acids, enzymes, antioxidants and other natural active ingredients to work in promoting the best outcome.


    With the use of THRIVE Premium Lifestyle Capsule, Ultra Shake Mix and the Premium Lifestyle Derma Fusion Technology products, The impact is indisputable and leave the body and mind feeling rejuvenated.

    While the results may differ with individuals using the products, there is a consensus in the effectiveness of the lifestyle.

    Thrive by Le-Vel promotes health with benefits beyond Weight loss. There is a marked improvement in cognitive functions as well as a boost in the immune system and detoxifying the physiological systems.

    It also aims at an increased support for the digestive system, joint and dealing with inflammation issues arising. In addition, mental health is improved and the Derma Fusion Technology (DFT™) promotes anti-aging leaving you feeling and looking healthy and younger.

    The Products

    Thrive DFT™ Ultra by Le-Vel is an effective premium product with increased fusion technology which helps to derive maximum benefit through patches. It is great in weight management by promoting appetite control and increase metabolism. The Thrive Ultra Shake Mix is on the other hand consumed as a meal replacement drink.

    To further improve the Thrive lifestyle, the Premium Lifestyle capsule product has been distinguished into Le-Vel Thrive W and Le-Vel Thrive M for women and men respectively. It contains a mixture of minerals, vitamins, probiotics and stimulants as well as a range of plant extracts.

    The Marketing Technology

    Le-Vel operates in what is commonly referred to as the MLM strategy. Multi-Level Marketing is a very beneficial style of selling products that works on the principal of promoters recruiting others. Basically, it forms a network of sales people where one gets profit by selling product and a percentage of sales from the persons they have recruited. Since it is goal oriented, it is very motivating.

    The rewards reaped are vast as products can be sold not only to family and friends, but also via social media. New sales people can be recruited from anywhere creating a great chain of income.

    The system that Le-Vel uses for the dissemination of the Thrive products is time saving, stable and efficient. It is economical thus increases the rewards gained by the customers and promoters.

    The Cloud technology allows people to track their orders, to keep an eye on their commissions and calculate sales based on the sales made by their teams. The customers are able to get support services easily thus it is a very clean and devolved operation. It is a true win-win situation.

    Thrive Perks 

    There are perks of being part of Le-Vel and participating in the Thrive Experience. Various packages have been modeled to suit different needs and increase result productivity.

    Beginners are encouraged to start on the Lifestyle pack and those focusing on serious weight management choose the Tone pack which naturally is very popular. For a premium couples experience, a pack has been modeled just for that.

    Moreover, once you become a good promoter, you will not only get cash rewards but also free products and pretty good bonuses.


    Is this going to be the perfect solution as an alternative for everyone in retirement?

    Absolutely not.

    But for a growing amount of people the home based business option is becoming more and more appealing.

    It is important to always do your own research before entering into any business. Everyone’s personal experience and of course we have no idea what your work ethic will be.

    If you’re willing to work hard a home based business may be exactly what you’ve been looking for.

  • Simple Financial Planning Steps

    Knowing basic financial planning steps is very important for anyone that wants or plans to be wealthy. If you do not have a plan that shows you how much you earn, your expenses as well as return on investments, it is very important that you come up with one.


    The following are some easy steps you can follow in order to come up with a solid financial plan.

    Determine Your Future Needs 

    As an individual, there are some things that you aspire to achieve in future in order to lead a better and happier life. For such needs and wishes to be fulfilled, you will need to have money. Among the needs that you will need to plan for include providing for children’s education and marriage, providing for medical emergencies, buying a dream home and creating enough financial resources that will enable you to live a wealthy life.

    Once you have identified the goals that you need to meet in future, you will need to start working out the financial road that leads to their fulfillment.

    Determine Your Present Financial Situation

    You can determine your present financial situation by making a summary of your cash flow as well as completing a statement of your net worth.

    By so doing, you will be able to get the figures that will help you analyze your present financial standing in relation to where you would like to be. The summary of cash flow enables you to know the cash inflow as well as cash outflow over a specific period of time.

    You can use it to determine the cash flow of a future project or a past time. The statement of net worth on the other hand lists all your assets as well as liabilities and then gets the difference between them.

    Put Your Finances in Order

    Putting your finances in order does not mean taking your money and then stashing it in a bank account or investing it. Instead, it is about determining the point through which money comes to you as well as how money leaves you. Among the things you will need to consider in this case include active loans, insurance premiums, retirement savings, emergency funds as well as living expenses.

    All these are expenses that are common to every earning individual, so you will need to know how much they cost you.

    Make Informed Investment Decisions

    Investing is very important for making your money grow. However, you will need to make your investment decisions carefully whether you are investing in shares, stocks, gold and so on. Before you make an investment decision, you should first understand the risk that you are signing up for.

    Do not invest all your money. Be sure to keep some for emergency reasons in a place where you will be allowed to withdraw on demand. When it comes to spending, you will need to make decisions on what is essential and what is not.

    Risk Planning

    Risk planning is a step that you should not skip in basic financial planning. The two major risks that you should not forget to get cover for are illness and death. A good insurance cover should take into account the situation of your family and also if you have any cover from your employer. The role of insurance is to take care of the financial discomfort that you may be faced with as a result of loss of income due to death of an earning member of the family especially if he or she is the primary bread winner.

    Monitor Your Financial Plan

    You will be able to achieve success in financial planning only when all financial goals are met, so it is not a process that will end soon after you make your investments.

    Instead, it is a continuous process that requires constant monitoring and evaluation to make sure that everything is going as you had planned it to. You will need to make sure that all planned contributions from your savings are generating returns towards your investments.

    There may be scenarios when you may need to do adjustments to the financial plan, for instance in a case whereby a permanent change in lifestyle over or above the estimated level has an effect on the long term financial situation.