#Finance Blogs

[businessburstexpanse]

OneNorthStar: Navigating Financial Success

OneNorthStar, a reputable financial advisory firm, is dedicated to guiding individuals and businesses toward financial prosperity. With a commitment to personalized service and a team of seasoned financial advisors, OneNorthStar strives to meet the diverse needs of its clients.

Comprehensive Financial Planning: At the core of OneNorthStar's offerings is comprehensive financial planning. The firm works closely with clients to understand their unique financial goals, risk tolerance, and time horizon. This collaborative approach allows for the creation of tailored strategies that encompass investment planning, retirement planning, risk management, tax optimization, and wealth preservation.

Investment Planning Expertise: OneNorthStar's team of experienced financial advisors excels in crafting investment portfolios that align with clients' objectives. By assessing risk tolerance and financial circumstances, the firm constructs diversified portfolios incorporating stocks, bonds, mutual funds, and other instruments. The goal is to optimize returns while managing risk, ensuring a solid foundation for long-term financial growth.

Wealth Management Beyond Investments: The firm goes beyond traditional investment planning, offering comprehensive wealth management services. This encompasses a holistic approach to financial well-being, including estate planning, tax strategies, and ongoing portfolio monitoring. OneNorthStar understands that financial success extends beyond investment returns, incorporating a broader perspective to safeguard and enhance clients' wealth.

Client-Centric Approach: OneNorthStar prides itself on its client-centric philosophy. The firm values open communication, transparency, and building long-lasting relationships. Client testimonials underscore the positive impact of the firm's guidance on financial outcomes, reinforcing OneNorthStar's reputation for reliability and excellence.

Educational Resources: Recognizing the importance of financial literacy, OneNorthStar provides educational resources to empower clients in making informed decisions. Whether through articles, webinars, or one-on-one consultations, the firm aims to enhance clients' financial knowledge and confidence.

Fascinated by the power of money

Vikram is fascinated by the power of money and deeply believes that everyone should have lots of it. That’s why he started onenorthstar to transform people’s financial future. Supported by his amazing family, today Vikram shoulders the challenges in people’s journeys to financial freedom through ONS. So that every person experiences financial well-being, and has the opportunity to create more of their life.

Contact US

Need financial advice from Vikram?

Connect today!!

Advice Session available in: 1 on 1 in person. Online video meetings.

T: +1 203-343-0880 E: investments@onenorthstar.com A: 80 Fourth St, Stamford, CT 06905

[lexus-of-englewood-darcars]

WHAT IS THE ANNUAL COST OF OWNING A CAR IN NEW JERSEY?

While drivers in New Jersey tend to spend less money on gas than those in other U.S. states, other costs such as buying insurance for your vehicle might be a bit higher than what drivers would pay elsewhere. Learn more about the cost of owning a car in Englewood, NJ.

[lexus-silver-spring-md-darcars]

DRIVING IN MARYLAND: 3 KEYS TO GETTING GOOD CAR FINANCING IN SILVER SPRING, MD

When you first head to your Lexus dealership to pick out your new car, you’ll be excited about all the great options. However, you’ll also have to think about how to pay for your vehicle. For most people, car financing is the easiest option because it allows them to spread the payment of their vehicle over several months or even years. Let’s look at the best tips for getting a competitive interest rate and lowering your monthly payments in Silver Spring, MD.

[honeytonedhottie]

financial literacy⋆.ೃ࿔*:･✍🏽🎀

so i released a poll if you guys would like a post on financial literacy and the results are here. so im gonna share some things that i learned while taking a financial literacy course…💬🎀

WHAT IS FINANCIAL LITERACY ;

financial literacy is handling ur money wisely. the google definition of financial literacy is the ability to understand and apply different financial skills effectively, including personal financial management, budgeting, and saving.

ALL ABOUT BUDGETING ;

when u hear the word "budget" its rly easy to think "omg limiting belief" or think of it in a negative light but a budget is just a plan on how u manage ur money. its not always constrictive and negative like u may or may not think of it to be.

budgeting : keeping track of how much $ ur bringing in and how much ur spending…💬🎀

planning a budget is ez pz. you can use some paper and sparkly pink gel pens to create an adorable budget, or u can download different sheets online and just have your budget digitally. theres a plethora of resources out there so just choose whichever is easier for u.

something else that i learned about during this course was the 50:30:20 rule. its called the 50:30:20 rule because 50% of ur money goes towards ur needs, 30% goes towards wants and 20% goes towards ur savings. and this isnt concrete, its just a good framework and u can adjust to ur own specific needs and goals.

for example if u manifested $4000. ur 50% would be $2000, ur 30% would be $1200 and ur 20% would be $800…💬🎀

HOW DO U KNOW WHAT UR NEEDS/WANTS ARE ;

things like ur rent and groceries are ur needs and things like vacations and going out with ur girls are wants. and to apply the 50:30:20 rule you first have to...

♡ calculate ur needs, wants and savings budget

♡ compare ur expenses to ur budget

the way u do this is to subtract your expenses from your budget. this is your budget balance. if your budget balance is zero or positive, that means you are living within your means and have some extra money. if your budget balance is negative, that means you are spending more than you should and may have a budgeting problem.

let me know if u guys want more content about this cuz i had a lot of fun writing this…💬🎀

[pinkacademiaprincess]

corporate barbie 👩‍💼💄💗📈

gonna be starting my full-time job soon, i'm looking forward to being the newbie who's on top of things & surprise everyone with how much i know 💅

[study-diaries]

Study Trick That No One Told Me.

Division of subjects:

Every subject is learnt and graded in a different way. You can't use the same study techniques for every subject you have. You have mostly 3 types of subjects:

Memorization based

Practical/Question based

Theory/Essay based

Memorization based:

Mostly Biology, Sciences, Geography etc are fully based on memorization and so you'll use memory study techniques like flash cards and active recall.

Practical/Question based:

Maths, Physics, Chemistry, Accountancy etc are practice subjects. The more you do your questions and understand how a sum is done, the better you can score.

Theory/Essay based:

English, history, business studies etc are theory based. The more you write, the way you write and the keywords you use are the only things that will get you your grades. So learn the formats and the structure on how to write your answers

Note: Some subjects are a combination of the three. Like Economics etc

The reason we divide the subjects is because you can adopt the right study methods for the right subject. Like ex: business studies is mostly based on how you write your answer and the keywords, if you're gonna spend your time memorizing in this, it's a waste of time and energy.

Hope this helps :)

[irisinluv]

Eric Minisode #1

Parts 1 & 2 from Eric’s perspective. I drafted this before my hiatus and while I still don’t know when I’ll write part 3…. Figured this deserves to leave the drafts.

She’s in my mother’s drawing room…. And I can’t say I’m upset. I watched her peek into a couple of rooms, curious to see my betrothed outside our usual hours. She seems…. Different than usual. More lively and curious. But then I suppose the only times we interact are at opposing ends of the grand hall, or at balls and social events where we must host and entertain. I know small details about her- like she loves to ride horses, spends her days in her personal drawing room working on embroidery and other ladylike things…. But they’re generic details I could guess at from any lady of the court.

It’s fascinating watching her when she’s in her own element… I can’t help but slip into the drawing room after her. She’s examining mother’s pottery with a small smile, seemingly lost in thought. I’m glad someone’s admitting mothers work- as a child, I’d often watch as she carefully worked the clay, teaching me how to mold it just right, and then watched in amazement as she would glaze it a few days later in intricate designs.

I watch my betrothed giggle to herself and I can’t resist revealing myself,

“What’s so amusing dearest?”

Oh…. Well this is fascinating. She always speaks with such careful measure, as if each word is thought out. She gets flustered on occasion, I have noticed that much, but she responds by stopping to collect herself before carrying on with the same careful grace.

This current version of my beloved is much more…. Open. I’m not sure she even notices how easily I can read her like a book- is this what she’s like when caught off guard? Perhaps I have misjudged my beautiful bride…. I can’t help the thrill the runs through me knowing I’ve surprised her, caused this shift. This thrill turns to shock as she asks to spend the day with me in the library. I see I’m not the only one who can catch the other off guard….

I can’t help but stare at her as she reads. This feels like a dream. I assumed we would have a polite yet distanced relationship, this is, after all, a marriage of convenience. But in the past several months I couldn’t help but admire her poise, the way she commands a room, and couldn’t help but latch onto the little details I’d been able to learn from her. Now, she’s here, in my library, curled up in my favorite chair, so enthralled by her reading that I can see who she truly is under her noble lady facade. And I suddenly find it rather hard to focus on my work. This feels so natural, so right, I wonder why we’ve limited ourselves to such formal meetings this far if what we both seem to crave is simply companionship? How have I not noticed how much she, too, wanted this?

With that thought… I invite her to luncheon and a stroll. I noticed her admiring a painting of a rose garden and I couldn’t get the picture of her under the rose pavilion out of my head… so that’s where I plan to take her. And that’s where we were heading until a rather unpleasant interruption arrived.

I recognized her, the ambassadors daughter. What was more important, however, was the sight of my intended, sprawled on the ground, skirts pooled around her, pushing herself up on her arms, face crinkled in slight pain, and throwing out a blind insult... yet another layer beneath that porcelain mask… my love is a spitfire. I lifted her to her feet, admiring the way it felt so natural to have her in my arms, before letting her go.

The offensive rodent who caused my dearest to go flying was simpering at me, and I couldn’t help the disgust that ran through me- she was completely ignoring the one she had offended, instead was directing her apologies towards me. I exchanged looks with the princess and she spoke before I had the chance.

What a tongue that woman has on her… I know it is my role as the gentleman to defend her honor, but I’ve realized my new favorite hobby is simply observing her. She so easily defended her honor, reminding the lower class woman of her station, and I couldn’t help the thrill that when through me as she referred to herself as the soon to be crown princess. So easily asserted her claim on the throne, on me.

The thrill only continued as she surprised me yet again, grabbing my hand and leading me away. I couldn’t help the look I sent toward the ambassador’s daughter, despite being enamored all the more by my soon to be wife, I can’t overlook that she was hurt and insulted. I’d be remembering this. But, that was for another time. For now, I was being dragged down the hall by my beautiful rose. When she finally released me, the blush on her cheeks was so divine…. I couldn’t help but think of all the ways I might fluster her more so I might see it again.

In one day I have discovered that the woman who has sat across from me each dinner for the last several months, is in fact, my soulmate. Just like I pictured, she looked divine under the roses- admitting they were her favorite. I noted which foods she gravitated towards as well- and realized we shared several favorites, and that she was unbearably adorable trying to hide how much she was enjoying herself.

I don’t believe I’ve ever been in such high spirits as when I returned to my quarters after an afternoon of memorizing the way her smile crinkled her eyes, laughing alongside her as she told me all about her novel, and receiving her rapt attention as I spoke of my day in return.

When I go down to dine with her I find myself flustered… I’ve never before felt this strongly about a woman, and now all I can think of is how the wedding couldn’t come sooner. My mood is dampened, however, we begin to eat, and I see that porcelain mask of hers creeping back up. I realize it now, how our arrangement thus far has actively hindered our relationship. Sitting this far from one another feels like miles of agony, I feel as if I’m addressing a crowd each time I speak, my voice carrying across the vast expanse. The quiet intimacy of the rose pavilion and our two chairs around the tea table, the sound of her pages and subtle inhales as she became engrossed in a new turn in her book, the feel of her arm in mine as we strolled. These things, and the cold, formal way we were currently dining, did not match.

She excused herself to bed, and I imagine she felt the same disappointment I did- I longed to see her face clearer as she sampled the roast pork- did her eyes flutter the way they had when she took a bite of that lemon desert earlier today? Or did her nose crinkle as she disguised her distaste? These are details I cannot know from afar. These are details I must learn.

I meet with the head waitstaff and fix this immediately. From now on, my dearest love and I shall hardly be apart if I can help it.

Also I’m not gonna resume the tag list till this series officially comes back…. I’m not gonna tease that many of y’all with an @ when it’s just a draft post.

[tim1999hamad]

Today, thank God, a free campaign was conducted for all displaced children in shelter schools, and they were shaved and the children were happy with the free shave. Thank God, and thanks to everyone who helps and contributes to my support for the children to be happy and for them to shave their hair, and because I am exhausted from fatigue due to standing all day long to make the children happy and happy about the free shave, and I want you to support me for We are able to shave all the children of Gaza for free 🇵🇸

Because the conditions of the people of Gaza are very difficult due to the financial shortage and the difficult situation due to the closure of the crossing, and no food, money, or anything enters Gaza, and thank God, Hamad Club granted me a free extermination for the people and children of Gaza in the shelter centers, and a free earring for the children of Gaza, and I helped them and made the children happy. I want your support for me to be able to do everything. Free shaving day for the children of Gaza. Thank you to everyone who wants to support me and contribute ⚘️🤍🇵🇸

[paying-the-price-everyday]

What do you do to get out of a study slump?

I’m in one and I’m exhausted. :(

First thing to understand is that we're not meant to be productive 24/7.

It might seem counter-intuitive but having clearly defined rest and entertainment time does more for my productivity than any amount of motivation or hard work. When you have time to do the things you want to do, study time is no longer something to resent.

Second, a slump happens for a reason. You need to pause and figure out why you're feeling the way you are and find a method to fix what's wrong. If it's burnout, you need to rest, take some time off and reevaluate your approach to your studies. If it's because you're frustrated with a subject, again stop, find alternative resources that will break a concept down so you can understand it. If you're unsure of the path ahead of you, find someone to talk to about it. A second perspective can help you see things clearer.

Taking the time to sharpen your axe will help you cut down a tree faster and with less effort than hacking at it with a blunt blade.

Third. Sleep. Sleep at least 7-8 hours a day, at a set time. Sleep resets everything and regulates your mood. It's easy to see the negative side of everything when you're tired.

Fourth. Keep two journals. One for you to write about anything you feel or want to get of your chest, and another to keep track and plan your studies. Planning is an important way to take the emotion out of your work. When you have a set number of hours to accomplish a certain reasonable number of tasks, there's no space to be upset or depressed about it. It's just something you have to do. Even if you only complete a few of those tasks, it's still more than doing nothing. After a few days, you'll find yourself wanting to clear the task list.

Fifth. Start early. Working long hours on your study material or assignments just before they are due is guaranteed to make you feel miserable. Consistent work from the start of your semester followed by multiple revisions will ensure you feel confident about your efforts.

Sixth. Realize that you are doing your best. A slump is not a failing, it's your body and mind telling you it needs a break, that something is not right. Don't beat yourself up about it.

[selfhelpforstudents]

source: Pinterest

Join our "Girls in Finance"-Server <3. I love you all!

[whoisheedo]

Trying to make my mess aesthetically nice. My room is quite comfy but I am not that organised

[thatgirlchallenge]

Just finished reading “ Why didn’t they teach me this in school”.

It’s a nice book that gives some very basic advice about managing one’s finances. Despite the book being very basic, I believe that it’s a must read.

Just a few weeks ago, I didn’t know about most of these advice, but since I’ve been reading and learning, these basics seemed “ obvious” to me.

And that definitely shows progress. I am almost excited to live alone again, just to see how much I can do/save now that I know all of this!

[vedicinsights]

ASTROLOGY OBSERVATION PART 8

For a Cancer ascendant individual, if Jupiter is in the 2nd house, it may not provide good finances even though it is placed in a friendly sign (Leo). Instead, it could create debts, as its 5th aspect falls on the 6th house, which is the house of debts and diseases.

LET ASTROLOGY CHOOSE YOU!

[templetv]

can you believe my impulsive spending has consequences and money doesn't just magically appear in my bank account? (I'm broke and I'm not sure there's any getting out of this one)

[honeytonedhottie]

financial literacy continued⋆.ೃ࿔*:･👛💵

so i released a poll if you guys would like a post on financial literacy and the results are here. so im gonna share some things that i learned while taking a financial literacy course…💬🎀

HOW TO SAVE MONEY ;

automatically deposit a certain percentage of ur income into ur savings account so that u dont even have to think about it

to do something more FUN tho, (at least in my opinion) is to make a challenge where u have to save every $10 dollar bill, or $20 dollar bill or whatever. just something to make saving money seem like a game if u wanna have some fun with it.

EMERGANCY FUND ;

most experts will tell u that ur emergency fund should be 3-6 months of ur needed expenses. so calculate ur needed expenses and multiply that by 6 to figure out how much you'd need to have in ur emergency fund.

PAYING YOURSELF FIRST ;

you should always put urself first in every single situation including financially. so to pay urself first simply means to put ur future and needs before anything else. FOR EXAMPLE... let's say u wanna buy an ipad by the end of the year, an ipad is $345.

lets also say that u get paid weekly, so you'd divide $345 by the number of weeks in a year (52) you'd get 6.6. so you'd have to save roughly $6-$6.50 a week which isnt a lot at all. and you'd be getting what u want.

INTEREST AND CREDIT ;

interest is like a reward that the bank gives you for trusting them to look after your money. the more money you have in your account, and the longer you keep it there, the more interest you can earn…💬🎀

so the bank calculates interest as a percentage of the total amount in a bank account. so if the bank pays a 1% interest you'll earn $1 for every $100 in ur bank account over the course of a year. so if u have $500 in ur account you'll get $5. its not a lot, but interest builds on itself.

credit is the ability of the consumer to acquire goods or services prior to payment with the faith that the payment will be made in the future…💬🎀

for example missing payment deadlines can negatively affect ur credit score. why is this important? if u wanna go to college and wanna use student loans, u might not be able to if ur credit history is bad. as ur credit history grows you'll get a credit score. the higher ur score, the better ur credit is.

BUILDING CREDIT ;

get a secured card. a secured credit card is a special type of credit card with a down payment. when you open the card, you will give the credit card company a deposit to hold. it can be as little as $100. the company holds the money for you and gives you a credit card with a line of credit equal to your deposit

sign up for victoria's secret direct paper mailers. you'll get a coupon each month for 1 free panty for every purchase. when u go to the mall, get urself a panty and a sweet treat 🧁 (DO NOT PUT ANYTHING ON THE CARD THAT U CANT IMMEDIATELY PAY OFF)

and then go home and pay ur credit card bill off, and then dont use it again until the next month.

[pinkacademiaprincess]

fall lookbook: business casual🍂💼🎀👩‍💻

if you can't tell, my business casual style icons include lorelai gilmore, rachel zane, elle greenaway, rachel green, etc. 💌