#and tracking progress to achieve long-term success in real estate investment. Overall

[2happyherder]

[myfamilyplan]

Personal Financial Management

The Power of Financial Planning Tools: Enhancing Budgeting, Saving, and Investing

In today’s fast-paced world, managing your finances effectively is more crucial than ever. Financial planning tools are here to help, offering a range of benefits that can significantly enhance your budgeting, saving, and investing strategies.

Let’s explore how these tools can positively impact your financial life.

Enhancing Budgeting with Financial Planning Tools

Budgeting is the foundation of sound financial management. Financial planning tools simplify this process, making it easier to track income and expenses. Here’s how they enhance budgeting:

Automatic Tracking: Many budgeting apps automatically sync with your bank accounts, credit cards, and other accounts. This real-time tracking means you don’t have to input transactions, reducing errors and saving time manually.

Detailed Insights: These tools categorize your spending and provide detailed reports. Visualizing where your money goes allows you to identify spending patterns and adjust to stay within your budget.

Goal Setting: Budgeting tools often come with goal-setting features. You can set specific savings goals, like building an emergency fund or saving for a vacation, and track your progress toward achieving them.

Boosting Savings with Financial Planning Tools

Saving money is essential for financial security and achieving long-term goals. Financial planning tools can boost your savings efforts in several ways:

Automated Savings: Many tools offer automated savings features, where a set amount of money is automatically transferred from your checking account to your savings account at regular intervals. It makes saving consistent and hassle-free.

Savings Goals: Tools often allow you to set and track various savings goals. Whether saving for a new car, a home down payment, or retirement, you can monitor your progress and stay motivated.

Expense Reduction: Financial planning tools can help identify areas where you can cut back by analyzing your spending habits. It allows you to redirect the extra money into savings, increasing your overall savings rate.

Optimizing Investing with Financial Planning Tools

Investing is critical to growing your wealth over time. Financial planning tools can optimize your investment strategy by providing:

Portfolio Management: Investment tools offer portfolio management features, helping you track your investments' performance. They also provide insights into your asset allocation, returns, and risk levels, allowing you to make informed decisions.

Market Analysis: Many tools provide access to market analysis and research. This information can help you understand market trends and make strategic investment choices based on current data.

Robo-Advisors: For a more hands-off approach, robo-advisors use algorithms to manage your investments. They offer personalized investment strategies based on your risk tolerance and financial goals, making investing more accessible and less time-consuming.

Simplifying Financial Management

Overall, Financial management tools simplify the complex task of managing your finances. They provide a centralized platform where you can monitor all aspects of your financial life. By using these tools, you can:

Save Time: Automated tracking and reporting save you time and reduce the effort required to manage your finances manually.

Increase Accuracy: Automatic data syncing and detailed reporting minimize errors and provide a clearer picture of your financial situation.

Make Informed Decisions: With access to real-time data and insights, you can make better financial decisions, whether you’re budgeting, saving, or investing.

Conclusion

Personal financial management is essential to achieving long-term economic stability and success. By effectively budgeting, saving, and investing, you build a solid foundation for your future.

Financial planning tools are invaluable assets in this process, offering automation, insights, and organization that simplify complex tasks and empower you to make informed decisions.

Embracing these tools from reputable providers like MyFamilyPlan can lead to better financial health, increased savings, and more strategic investments, ultimately helping you reach your financial goals and secure your financial well-being!

Have a peek at this website for getting more information related to Online Estate Planning.

[createseo01]

Which Is The Best Place Near Europe To Invest In Real Estate?

Have you thought about investing in European or near Europe for real estate? Maybe you've pondered the optimal location for such an investment. Real estate stands as a secure asset that can contribute to the gradual growth of your wealth. To ensure the success of your real estate venture, it's essential to select a location that offers maximum value for your investment without exceeding your budget.

First of all, real estate investment involves acquiring property for the purpose of generating income, distinct from using it as a primary residence. It can be broadly defined as any parcel of land, building, infrastructure, or tangible asset that, although often stationary, is transferable and utilized to yield a profit. The main benefits of real estate investment is you can get the European Golden Visa Program By Investment, high returns on investment, Tax breaks and deductions, Better protection for your assets. With its exceptional landscapes, idyllic villages, enchanting sea, top notch gastronomy, incredibly rich history and culture, and so on, Montenegro is home to magical contrasts that manages to satisfy even the most demanding world travelers and explorers.

Montenegro, situated on the Adriatic Sea and nestled within the Balkans, stands as one of Europe's smallest nations. Notably, it ranks as the seventh country globally with the highest concentration of UNESCO-protected areas per square meter. Boasting the deepest canyon in Europe, and the second-largest worldwide, Montenegro has emerged as a favored travel destination in recent years, and one of the best destinations for the real estate investment.

Young, Stable Democracy with an Open Economy

This small nation, with a population of around 650,000, has harnessed its pristine natural beauty and favorable economic and political conditions to establish itself as one of Europe's most appealing tourist destinations. The robust growth in overall economic activity is predominantly steered by the tourism industry, acting as a catalyst for investments across various sectors. Notably, there are plans for a total additional investment of €3.2 billion along the picturesque Montenegrin coast.

Business Friendly Environment

Montenegro boasts one of the lowest corporate and capital gains tax rates in Europe at 9%, coupled with welcoming conditions for new businesses, strong property rights, and a competitively priced, well-educated young workforce. Its full membership in esteemed institutions such as the World Bank, IMF, and EBRD since 2007, followed by accession to the WTO in 2012, reflects its commitment to global economic cooperation. Furthermore, the ongoing progress towards NATO and EU membership underscores Montenegro's dedication to achieving and maintaining both political and economic stability.

Tax Breaks and Deductions

International real estate investors have the opportunity to leverage various tax breaks and deductions, providing significant cost savings. Deductions are applicable to the expenses associated with owning, managing, and operating a property. Additionally, the expenses related to acquiring and enhancing an investment property can be depreciated over its useful life. Consequently, investors can benefit from decades of deductions, effectively reducing their taxable income and contributing to long-term financial advantages.

These are the major benefits of investing in Montenegro.

Still confused about choosing the best builders or the organization for the further process then we’ll help you to guide you.

Rock 1 Builders, pioneers in property development and real estate management, has an unblemished track record of 25 years promoting townships, residential apartments and commercial spaces. You’ll get Citizenships by Investment Programs in Montenegro with us. Our team of experts will guide you through the entire process, ensuring a seamless experience as you navigate the requirements and procedures.

[akermonrossenfeldusa]

Akermon Rossenfeld Strategies for Eliminating Debt and Building Wealth

Akermon Rossenfeld, a Leading debt collection agency, has developed comprehensive strategies for eliminating debt and building long-term wealth. His innovative approach focuses on a combination of financial discipline, smart decision-making, and a clear understanding of one's financial goals. In this blog, we will delve into some of the key strategies proposed by Akermon Rossenfeld to achieve financial freedom.

Create a Solid Budget

The first step towards eliminating debt and building wealth is to create a well-thought-out budget. Start by meticulously tracking your income and expenses to gain insight into your spending habits. Differentiate between essential and discretionary expenses and identify areas where you can reduce spending. A well-structured budget allows you to allocate more funds toward debt repayment and savings.

Tackle High-Interest Debt First

Akermon Rossenfeld emphasizes prioritizing high-interest debt repayment to reduce overall interest costs. Begin by paying off credit card balances or loans with high-interest rates while maintaining minimum payments on other debts. As you eliminate high-interest debt, you free up more money to tackle other obligations.

Build an Emergency Fund

Financial emergencies can occur unexpectedly and derail your debt-elimination efforts. Establishing an emergency fund that covers three to six months' worth of living expenses provides a safety net during challenging times. With an emergency fund in place, you won't be forced to rely on credit cards or loans in unforeseen circumstances.

Adopt the Debt Snowball Method

Akermon Rossenfeld endorses the debt snowball method, a debt-reduction strategy where you pay off debts in order from smallest to largest, regardless of interest rates. This approach provides psychological benefits as you experience quick wins by paying off smaller debts first, gaining momentum to tackle larger debts as you go.

Invest Wisely

Building wealth involves smart investment decisions. Akermon Rossenfeld recommends diversifying your investments across different asset classes, such as stocks, bonds, real estate, and mutual funds. Consider consulting with a financial advisor to craft an investment strategy aligned with your risk tolerance and financial objectives.

Live Below Your Means

Living below your means is essential for financial success. Avoid succumbing to lifestyle inflation when you receive raises or bonuses. Instead, maintain a modest lifestyle and direct surplus funds towards debt repayment and savings. This disciplined approach accelerates your journey toward financial freedom.

Increase Your Income

Striving to increase your income can significantly boost your efforts to eliminate debt and build wealth. Explore opportunities for career advancement, acquire new skills, or consider additional sources of income, such as freelancing or starting a side business. Increased earnings provide more significant resources to pay off debt and invest in your future.

Negotiate Lower Interest Rates

High-interest rates on existing debts can hamper your debt elimination progress. Akermon Rossenfeld advises negotiating with creditors to lower interest rates. Demonstrating a strong repayment history and financial responsibility may convince lenders to offer you better terms.

Avoid Impulse Spending

Impulse spending can sabotage your financial goals. Before making a purchase, give yourself time to assess whether it aligns with your needs and priorities. Often, delayed gratification allows you to make more rational and financially sound decisions.

In conclusion, Akermon Rossenfeld's strategies for eliminating debt and building wealth revolve around creating a strong financial foundation, prioritizing debt repayment, and making wise investment decisions. Combining these strategies with discipline and determination can pave the way for a financially secure and prosperous future. Remember, achieving financial freedom is a gradual process that requires consistent effort, but the rewards are well worth the journey.

[wealthmanagementfirmsinindia]

"The Basics of Investment Management: Understanding Key Concepts and Principles"

The Basics of Investment Management: Understanding Key Concepts and Principles

Investment management is a fundamental aspect of personal finance and wealth creation. It involves making informed decisions about allocating resources to various investment opportunities with the aim of maximizing returns while managing risks. To succeed in Best financial advisor in India, it is important to understand the key concepts and principles that underpin this discipline. This article provides an overview of the basics of investment management, equipping you with the knowledge needed to navigate the world of investments.

Setting clear investment objectives is the first step in investment management. These objectives serve as a roadmap for your investment journey and help you stay focused on your financial goals. Whether you aim to preserve capital, generate income, achieve capital appreciation, or accumulate wealth over the long term, defining your objectives provides a framework for decision-making.

Asset allocation is another crucial concept in investment management. It involves distributing your investment funds across different asset classes, such as stocks, bonds, real estate, and cash. The goal of asset allocation is to create a diversified portfolio that balances risk and return. By diversifying your investments, you can reduce the impact of volatility in any one asset class and potentially enhance your overall risk-adjusted returns.

Risk management is an integral part of investment management. Every investment carries a certain level of risk, and managing those risks is essential to protect your capital. Risk management involves identifying, assessing, and mitigating risks through various strategies such as diversification, hedging, and asset-liability matching. By understanding your risk tolerance and employing appropriate risk management techniques, you can minimize the potential negative impact of market fluctuations on your investments.

Selecting suitable investments is a critical aspect of investment management. This process involves conducting thorough research and analysis to identify investment opportunities that align with your objectives and risk tolerance. Factors to consider when selecting investments include historical performance, valuation metrics, management expertise, and market conditions. By carefully evaluating potential investments, you can increase the likelihood of achieving your financial goals.

Monitoring your investment portfolio is crucial to ensure it remains aligned with your objectives. Regularly reviewing the performance of your investments helps you track progress and identify any adjustments that may be necessary. If your portfolio deviates significantly from your target asset allocation due to market movements, rebalancing may be required to realign your holdings. By staying vigilant and proactive in monitoring your portfolio, you can make informed decisions to optimize your investment performance.

Evaluating investment performance is a key principle of investment management. This involves measuring the success of your investment strategy against relevant benchmarks and assessing the return on investment. Performance evaluation helps you identify areas for improvement and make necessary adjustments to your investment approach. It is important to consider not only the absolute returns but also risk-adjusted returns, as this provides a more comprehensive picture of investment performance.

Tax considerations are an important aspect of investment management. Different investment vehicles and strategies have varying tax implications. By understanding the tax implications of your investment decisions, you can optimize your after-tax returns and minimize tax liabilities. Utilizing tax-advantaged accounts and strategies can be beneficial in achieving tax efficiency and enhancing your investment outcomes.

Finally, maintaining a long-term perspective is crucial in Wealth management companies in mumbai. The financial markets are subject to short-term fluctuations and volatility. By focusing on your long-term objectives and avoiding reactionary decisions based on short-term market movements, you can benefit from the power of compounding and increase your chances of achieving your financial goals.

In summary, investment management is a discipline that requires a comprehensive understanding of key concepts and principles. By setting clear objectives, diversifying your portfolio, managing risks, selecting suitable investments, monitoring performance, considering tax implications, and maintaining a long-term perspective, you can effectively manage your investments and work towards achieving your financial goals. Continual education and staying informed about the ever-changing investment landscape will further enhance your ability to make informed investment decisions.

[riyare]

Central Park Dwarka Expressway: The Best Property in New Gurgaon

Central Park Dwarka Expressway is an exceptional commercial project situated along the renowned Dwarka Expressway in New Gurgaon.

As one of the best properties in the area, it offers a strategic location, unparalleled amenities and infrastructure, business opportunities, and a more return on investment.

Location Advantage

The location of Central Park Dwarka Expressway has several significant advantages that are easy to understand. It is in a prime position near important landmarks and business hubs, making it easily accessible for employees, clients, and customers.

Moreover, its convenient proximity to the Indira Gandhi International Airport makes it an excellent choice for businesses with a global reach. The airport's closeness not only facilitates business travel but also improves the overall connectivity of the area. This advantageous location establishes Central Park Dwarka Expressway as the bestpropertyinNewGurgaonfor those seeking a strategically located business destination.

Amenities and Infrastructure

Central Park Dwarka Expressway offers a wide range of excellent amenities and modern infrastructure. The project showcases contemporary architecture, well-designed retail spaces, fast elevators for easy movement, sufficient parking for visitors, and advanced security systems to ensure a safe business environment. The project's meticulous attention to detail and commitment to providing top-quality amenities distinguishes it from other commercial projects in the area, making it the best property choice in New Gurgaon.

Business Opportunities and ROI

New Gurgaon is experiencing a significant growth in business opportunities, and Expressway stands at the forefront of this thriving environment. The area has witnessed an upsurge in demand for commercial properties due to its strategic location and the presence of major business establishments.

Investing in this project is a great opportunity for businesses to take advantage of the growing demand for commercial properties in New Gurgaon and achieve a high return on investment. The project's favorable location, combined with its unmatched amenities and infrastructure, contributes to its potential for long-term success and profitability.

Prominent Features and Facilities

The project offers a diverse range of prominent features and facilities designed to cater to various business requirements. The project provides flexible retail spaces, well-appointed office spaces, and commercial showrooms, ensuring that businesses of all sizes and industries can find the perfect space to thrive.

The project offers businesses the flexibility to customize their space to meet their specific needs, with a variety of floor plans and customization options available. The availability of such versatile features and facilities further strengthens the projects position as the best property in New Gurgaon.

Integration with Surrounding Infrastructure

The project is well-connected to the existing and upcoming infrastructure in the area. It takes advantage of the ongoing development, such as the metro connectivity, road expansions, and other infrastructure projects. These developments not only improve the area's connectivity but also increase the value and potential of Central Park Dwarka Expressway. The seamless integration with the surrounding infrastructure ensures that businesses operating within the project will benefit from the overall progress and growth of the region.

Developer's Reputation and Track Record

Central Park, the developer behind Central Park Dwarka Expressway, is widely recognized and trusted in the real estate industry. The developer has a history of completing high-quality projects on time, which shows their commitment to excellence and customer satisfaction.. With a reputation built on trust, reliability, and attention to detail, Central Park has become a preferred choice for investors and businesses alike.

Conclusion

In conclusion, Central Park Dwarka Expressway is a great investment opportunity for businesses in New Gurgaon. It is located in a strategic location, has great amenities and infrastructure, and offers high returns on investment. It is the best property in New Gurgaon, and investing in it will help your business succeed.

[tylerburlage]

Smart Strategies for Saving Money When Investing

Introduction:

Investing is a powerful tool for growing your wealth and achieving financial goals. However, many individuals shy away from investing due to the misconception that it requires significant capital. The truth is, you can start investing with even a modest amount of money. In fact, it's possible to save money while investing if you adopt the right strategies. In this blog, we will explore some effective ways to save money when investing, allowing you to build a solid financial foundation for the future.

1: Set Clear Investment Goals

Before diving into the world of investing, it's crucial to define your financial objectives. Setting clear investment goals helps you align your saving and investing strategies. Whether you aim to save for retirement, purchase a home, or fund your child's education, having specific goals will enable you to choose appropriate investment vehicles and track your progress.

2: Automate Your Savings

One of the easiest ways to save money for investing is to automate your savings. Set up an automatic transfer from your checking account to a separate savings or investment account on a regular basis, such as monthly or biweekly. This method ensures that you consistently allocate a portion of your income towards your investment goals. By automating your savings, you eliminate the temptation to spend the money before it can be invested.

3: Minimize Fees and Expenses

When investing, it's important to be mindful of fees and expenses associated with different investment options. High fees can significantly eat into your returns over time. To save money, consider investing in low-cost index funds or exchange-traded funds (ETFs) that offer diversified portfolios at a fraction of the cost compared to actively managed funds. Additionally, review the expense ratios and transaction fees of any investment products you choose.

4: Take Advantage of Tax-Advantaged Accounts

Tax-advantaged accounts can be a game-changer when it comes to saving money while investing. Consider utilizing retirement accounts like 401(k)s or individual retirement accounts (IRAs), which offer tax advantages such as tax-deferred growth or tax-free withdrawals in the future. By contributing to these accounts, you can lower your taxable income and potentially save on taxes while building your investment portfolio.

5: Embrace Diversification

Diversification is a key principle in investing that helps reduce risk. By spreading your investments across various asset classes, such as stocks, bonds, and real estate, you can minimize the impact of any single investment's performance on your overall portfolio. Diversification helps protect your investments from market volatility and potential losses. By mitigating risk, you save money in the long run by avoiding significant losses that could arise from putting all your eggs in one basket.

6: Keep Emotions in Check

Investing can be an emotional rollercoaster, especially during times of market turbulence. Emotional decision-making often leads to impulsive actions that can harm your investment returns. To save money, it's crucial to keep emotions in check and stick to your long-term investment strategy. Avoid making hasty decisions based on short-term market fluctuations. Instead, focus on your investment goals, maintain a disciplined approach, and stay invested for the long haul.

Conclusion:

Investing doesn't have to be an expensive endeavour. By implementing these strategies, you can save money while building a solid investment portfolio. Remember to set clear investment goals, automate your savings, minimize fees and expenses, take advantage of tax-advantaged accounts, embrace Diversification, and keep emotions in check. Saving money when investing is not only financially rewarding, but it also sets the stage for long-term financial success. Start small, be consistent, and watch your savings grow over time, paving the way for a brighter financial future.

[adsthumbsblog]

How to Become a Successful Real State Investor

So you want to be a success real estate investor? Well, you need to have your goal setting in line. In order to have the greatest chance of achieving your goals you need to be setting SMART goals. Now, not the Webster definition of smart, but rather SMART as an acronym for Specific, Measurable, Attainable, Realistic, and Timely. I want you to write these five words on a piece of paper because all your goals should be evaluated to ensure they meet the smart standard.

So let's first look at the S in smart, which stands for specific. Your goals need to be precise and say exactly what you want to happen. Being specific helps you apply your efforts effectively and clearly define what you are going to do. The specifics of your goals are the what, why, and how. Ask yourself this question, what are you going to do? Answer this question with action words such as learn, buy, create, and so on. The why is why do you want to accomplish this goal and why do you want to accomplish it now rather than later, and finally, the how. How are you going to do it? You must ensure each goal you set is specific. Rather than setting a vague goal such as I want to invest in real estate, set a specific goal such as I want to own 2 rental properties each cash flowing $250/mo after all expenses. See how being more specific allows your planning to be much more focused.

Okay, now on to the M in smart, this stands for measurable. Goals that are too large are hard to manage and if you cannot manage your goals you will not achieve them it is that simple. The measurable aspects of goal setting focuses mostly on short-term goals that when built upon allow you to achieve your larger long-term goals. Let's take for example our previous specific goal of owning 2 rental properties each cash flowing $250/mo after all expense. To achieve this goal you need to set more measurable short-term goals such as obtaining financing, locating properties, rehabbing them if they are distressed, heck you may even need to learn how to analyze a rental property to even know if it cash flows. See how even though our goal was specific there is still more specific short term goals needed to increase your chances of achieving the goal. The last item I want to touch on about measurable goals is that you must have a gauge to measure them against. Set concrete criteria for measuring progress. Not only will this keep you on track but as you reach these short-term goals there is excitement in knowing you are one step closer to your overall goal.

Now the A in smart, this stands for attainable. If you set goals that are too large or too far out of your reach, you won't truly commit to trying to achieve them. For example, setting a goal of buying 100 rental properties in the next 12 months, or generating $250,000 in rental income in the next 12 months for most of us is not attainable. Setting goals such as this you may start out excited and be ready to go get them, but before long your subconscious will remind you that this goal is just too much to achieve and you will become less and less focused on achieving your goal and before long you will quit trying at all. The goal needs to be hard enough that you have to work for it but not so hard you have no shot of achieving it. When you achieve a goal it is exciting and has your pumped to achieve the next one. This is the attitude you need to have, not a continued list of unaccomplished goals. Building momentum with attainable goals is a sure fire way of achieving more difficult long-term goals.

The next to last letter which is R stands for realistic. Now, realistic does not mean easy but does mean doable. If you have $500 dollars to your name and your goal is to buy 30 properties next week this is probably not a very realistic goal. Could this goal be achieved, possibly but is it more unrealistic than realistic, yes. Set goals that will require effort, but if they are too difficult you are just setting the stage for failure. On the other hand setting goals that are too easy is just showing yourself you have no confidence and that you are not very capable. Set the bar high enough that achieving it feels like an accomplishment.

Finally, we have reached the T which stands for timely. This one is pretty self-explanatory. When setting goals they must have an end point or target date. Is it next week, next month, two days from now, no matter what the case there must be a timeframe associated with the goal. When you do not set a timeframe you are not truly committing to accomplishing your goal. Without a timeframe there is no urgency to start taking action now.

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[crazyconnoisseurlight]

CHOOSING THE RIGHT INVESTMENT VEHICLE IS CRUCIAL

Advantages of financial consultancy services

The Financial Advisory Services provide a wide range of advantages to the businesses by assisting them in investment management, financial planning, retirement plans, life or disability insurance, and giving them full control over the practices. The numerous benefits enjoyed by the firms from these financial consultancy services are as follows:

Be more objective:

Lack of objectivity can cause many disadvantages to the business such as reducing the performances in your investment ratio or even wipe it out. Hasty investment decisions can undo months and years of hard work. The decisions for the business must be taken with an objective view and the trades must be executed with an emotion-free analysis. The decision-making must be done professionally and a proper financial advisory firm helps to provide you that objectivity. They can help to ensure that you are well-informed, establishing positive, objective investment decisions, giving necessary advice, or even undertaking investment decisions on behalf of the business. Even if the market or economy is shaky in nature, the advisory helps run the business smoothly. Choosing the right investment vehicle is crucial but timing your entry and exit in business decisions is just as vital.

Saving of valuable time:

Money management involves many skills and investment is a complex one among them. Both in terms of time and money, it goes a lot into being a successful investor. There must be a proper understanding of the market and the financial capabilities and situation of the business, or else, investment becomes a gambling. A lot of learning is required in this field along with the continuous study of the change in market trends. A business, on its own, can waste a lot of the valuable time of employees for studying the world of investments. That is why it is better to outsource financial consultancy services. They are a team of professionals that help to manage your investment portfolio with ease. You are free to direct your attention to more fruitful and productive activities when you are unburdened with this tedious responsibility. It should be understood that time is money and should be considered an important factor in considering the undertaking of financial advisory services.

Tax efficiency:

A good financial advisory firm makes sure that your money is working as hard for you to the highest possibility. This involved minimizing your future and present tax liability. The tax systems of most of the countries is difficult and complex to navigate. A slight error could lead to huge financial losses in unnecessary taxes being levied on the businesses. The taxation of a company can have several vagaries such as a less attractive opportunity that can be more effective many times. In many cases, taxation can eat into the investments of the businesses. Furthermore, perfectly fine looking investments can also result in a tax charge that can hurt your personal income and usually occurring at a completely wrong timing. A financial consultant is well-aware of all such traps and will enable you to make your finances as tax-efficient as possible. Before going ahead with an investment, the advisors make sure that all the necessary concerns and all possible tax implications are taken care of in advance. They help to reduce your tax liability by launching new investments for long-term gains, tax efficiency or advising you of the latest pertinent changes to legislation.

One of the most common concerns about using financial advisory services is cost. This is often because individuals are purchasing intangible items, such as the potential for better investment returns. However, the benefit of taking financial advice runs deeper than simply the potential for better investment returns. Having a personal financial plan created with the support of a professional financial advisor has several important advantages.

1. Clear goals

Spending time with an adviser on a regular basis will make you think hard about what you are trying to achieve with your money. Are you thinking of retiring early, helping children with the cost of getting on the property ladder or with university costs? A financial adviser will challenge you to assess your goals and help you create a realistic, achievable plan to help achieve your objectives.

2. Regular reviews

Whether you are someone who likes to look at the value of your investments on a regular basis or someone who prefers to invest and then forget in the short term, a professional adviser will look to have regular updates – typically annually. These regular updates aim to keep track of your finances and understand changes to your circumstances which may affect your goal or changes to legislation which could have significant implications on issues such as tax.

3. Tax efficiency

The UK’s tax system is complex and difficult to navigate and errors in understanding could cost you thousands of pounds in unnecessary tax. A financial adviser will be aware of the traps and will be able to make your finances as tax-efficient as possible giving you the best opportunity to reach your goals.

4. Product knowledge

A complex tax system is overlaid with a myriad of product providers, many of which have additional rules in place on how their plan works against the legislation in place. An adviser will regularly review the market and carry out time-consuming research, narrowing down the range of product solutions that are suitable for you and your view of risk.

How much could you save with financial advice? 

A long-running study by the International Longevity Centre found less than 17% of people saw an adviser between 2012 and 2014 and savers are missing out as a result. Interestingly, the study (published in July 2017), found that individuals who took financial advice between 2001 and 2007 had significantly higher savings by 2012-2014 than those who did not. Of course, this period included the financial crash of 2008-09 when investment returns suffered significantly. The study split people into two groups – the “affluent” and those who are “getting by”. The affluent group were more likely to have degrees, be part of a couple, and be homeowners, while those getting by were more likely to have lower levels of education, be single and rent. The report found in the affluent group, those who took advice accumulated on average £12,363 more in liquid financial assets than those who didn’t, and £30,882 more in pension savings. In the “getting by” group, those taking advice saved on average £14,036 more in liquid financial assets than those who didn’t, and £25,859 more in pension wealth.

In summary

In a challenging society where earnings are stretched to the limit, it is vital that people can plan for their own financial security in retirement. The study demonstrated that expert advice provided by professionals delivers real value in improving people’s finances.

Improve cash flow:

Studies have shown that hiring a professional financial advisor for your business can lead to higher returns on investment and lower personal stress too, as a bonus. By way of examining your income, assets, liabilities, taxes, insurance, estate plan, and investments, the advisors help in assessing your current financial health. When proper decisions regarding investments and other finance-related choices are taken, the profits might increase to the business leading to improved cash flow.

Professional review of goals and investment:

Advisors can strategize a plan with your business for ensuring that you reach your retirement goals with ease. They advise and educate you on what is the best way in which you can achieve your financial goals without difficulty. The advisory team will guide you to think hard and achieve more with your money beyond your regular investment returns. The consultant looks at your overall goals and helps you for devising an achievable, realistic plan to turn them into a reality. In cases where you keep a close eye on your investments, many changes should be monitored over time. To release yourself of all hassles, you can simply invest and forget by taking advice from professionals who will practice regularly reviewing your finances and progress in the path of your goals. The needs and aspirations of the business will be understood by the financial advisor and thus, a financial plan will be devised to give you complete clarity about your financial journey. Based on the requirements of goals and risk profiling, proper asset allocation is done. Taking risks in investment at the beginning of the business must not be comfortable for many, but with the help of a financial consultant, you will slowly gain confidence to invest in risky investments like the equity market. They typically hand-hold you throughout your company’s investment journey.

Reduction in mental stress:

Money-related stress can have detrimental and real effects on your health. Peace of mind is very essential to take good and healthy decisions for your business and knowing you have a well-thought strategy and plan made by your expert advisors, really helpful for the same. They give you a better overall big-picture view of the financial situation of your business. This financial plan can be reviewed, monitored, and changed to fit changes in your business. This leads to a more organized business that is prepared for the future, in case any problems arise. A competent financial consultant can take a lot of stress from your mind and the business can be benefited from the high financial literacy provided by the advisory firm. Due to them, you receive a chance for relaxation as you are now safe in the knowledge of an investment professional who is taking care of a wide range of questions and challenges that you might have to deal with on your own otherwise. In this way, extra time is left with, in which one can keep tabs on the markets closely.

Simplification:

There are a variety of complex investment products, theories, and concepts in the financial services industry. It is important to consider the unique solution with respect to your business. There should be a clear understanding of what should be avoided, which is quite a difficult task. In today’s’ times, investors have a vast variety of information available to them. The primary challenge here is to sort through all the irrelevant information that is not required for the business. The aim is to access the small quantity of information that you actually need for your business decisions and processes.

The continuous process of tracking and re-balancing:

Taking the advice of a financial consultant helps to reduce the overall risk in the investment portfolio. It is just a start to begin the investment journey of your firm. The real advantage of having a financial consultant comes from periodic rebalancing of the portfolio, ongoing reviews, and taking corrective actions on the portfolio depending upon business changes, modification of goals for the performance of funds. The experienced advisors analyze the market trends and the requirement of the business and subsequently select appropriate funds. They carry out the re-balancing, tracking and the selection of funds as an ongoing process, assisting you in the long period to gain a higher return on investments.

Unlimited income potential:

There is no limit on the earning potential if the business takes guidance from professional financial advisors. The income is based on the amount of recurring revenue created every year or on the amount of new business. Many times, the business ideas and advice given by the advisors can have unlimited advantages to the company. The investment ideas can reap so many benefits that the business can earn triple-fold.

Creativity:

The Client bases can be built very vastly with the help of financial advisors. Sometimes, consultants advise the businesses to focus the millennials, while other times on the Baby Boomer generation. Other times, the businesses are advised to target Gen X. For the businesses involved in products and services for the younger generation, Gen Z are focused upon as a part of their marketing strategy. The Advisory firm can also decide to specialize in a specific type of client, such as lawyers, entrepreneurs, or doctors. With this creativity to understand the wants of the clients, studying the client type and their demands, a business is able to upgrade their products in accordance to the demand of the generation focused upon. When the supply matches the demand, the sales automatically increase leading to higher profits enjoyed by the firm.

Protection:

There is no guarantee that the investment recommended by your financial advisor will perform as good as you have hoped. However, you are protected from poor or misleading advice that has no back research. Since the consultants possess a good amount of knowledge and then advise you accordingly, you are protected from most of the time from any mismanagement of finances. They usually take all the ups and downs into account before giving any advice on how to take the further course in action in the business investments. Any business needs to manage its finances by saving up and spending monetary resources over time, taking into account future business events and numerous financial risks. Many long-term decisions about money can be scary and difficult. That is why the companies turn to financial advisors to seek help regarding financial decisions. Accrete Business Advisory in Mumbai is a Financial Consultancy firm that will not only tell you what “to do” in a particular situation but will also guide you about what “not to do”. The valuable financial advice extends way beyond just a focus on investment returns. The Advisors help you weigh if it is a decision is a smart move or not, as they often have deeper and broader knowledge of money management as compared to regular in-house teams.

Proper asset allocation:

During the course of a business, the firm continues to amass several assets. While acquiring assets, most of the business executives are not even aware of the proper asset allocation that the firm must follow. Mostly, investment is done in Real Estate, which is very common and popular as the people feel that their money will not be lost when invested in real estate, which actually leads to messed up asset allocation. A proper asset allocation is required for the business to run smoothly over a long period of time. The guidance regarding this is provided by professional financial consultancy services.

Expert advice:

Managing investment decisions of the business by oneself is a very tricky task. It is a very difficult task to track investments on a daily basis, watching out for all possible risks, and monitoring the markets. This is a continuous process that involves too much hassle as compared to an outsourced financial management advisory company. In this way, the executives and managers can concentrate on their daily schedule without worrying about market fluctuations. When you hire expert financial services, there is a lot of time at hand for your employees that can be used to grow and develop the business. These advisors have a broader, deeper knowledge when it comes to money management, especially investment. They are full-time professionals offering a wealth of knowledge, training, experience, and qualifications that are very difficult to be done on their own by a business. They are well aware of the latest investment opportunities, market developments, taxation, and law. They have decades of experience usually in financial management and can take your business to new levels of success.

Courtesy: tax advisory services in Saudia Arabia

[cassh24sg]

Dream Unlimited Corp. and Dream Impact Trust Announce Impact Financing Framework

TORONTO – (BUSINESS WIRE) – Dream Unlimited Corp. (TSX: DRM) (“Dream” or “DRM”) and Dream Impact Trust (TSX: MPCT.UN) (“Dream Impact”, “MPCT” or the “Trust”) today announced its Impact Financing Framework (“the Framework “) In support of his commitment to environmental and social initiatives.

“Sustainability and impact investing are an integral part of how we approach and manage our business. For over two decades, we’ve worked to improve our communities while maximizing returns for our investors, “said Michael Cooper, Dream Chief Responsible Officer.” We have repositioned Dream Impact Trust to focus solely on high quality real estate , environmental sustainability and resilience, accessible and affordable housing and inclusive communities. With the release of the framework, we are now able to raise capital for our impact investing verticals, implement our extensive development pipeline and increase our allocation to income property in order to generate attractive market returns for our shareholders while maintaining transparency about our progress offer to everyone involved. ”

Under the Framework, Dream or the Trust may issue impact investment instruments, including green, social or sustainable bonds, green loans, social loans or other financial instruments to fund or refinance eligible impact projects, as defined in the Framework. The framework has been reviewed by DNV, a global leader in breakthrough green, social and sustainable frameworks. DNV has issued a second opinion confirming that the framework is compatible with the International Capital Markets Association’s Green Bond Principles 2021, the Social Bonds Principles 2021, the Sustainability Bond Guidelines 2021, the Green Loan Principles 2021 of the Loan Market Association and the Social Loan Principles 2021. TD Securities acted as structuring advisor for the framework.

To enable the various stakeholders to assess the Issuer’s progress on its Impact Funding program, Dream and the Trust will provide annual updates on its website and in its annual Impact Report until the net proceeds of Impact Funding are fully tied to eligible Impact investments . A copy of the framework, impact report and second opinion from DNV are available on the website and can be found here.

About Dream Unlimited Corp.

Dream is a leading developer of exceptional office and residential real estate in Toronto, owns stabilized income generating assets in Canada and the United States, and has an established and successful wealth management business with assets under management of $ 10 billion in three Toronto listed foundations and numerous partnerships. We also develop land and residential properties in Western Canada. Dream expects more recurring income in the future as the urban real estate is completed and held for the long term. Dream has a proven track record of innovation and our ability to find, structure and execute attractive investment opportunities. Further information is available on our website www.dream.ca.

About Dream Impact Trust

Dream Impact is an open trust dedicated to impact investing. Impact investing is the intent to create measurable positive, social and environmental change in our communities and for our stakeholders while generating attractive market returns. Dream Impact’s underlying portfolio consists of exceptional real estate assets that are reported in two operating segments: Development and Recurring Income that would otherwise not be available in a public and fully transparent vehicle, managed by an experienced team with a successful track record in these areas . The Trust’s goals are to create positive and lasting impacts for our stakeholders through our three verticals of impact: environmental sustainability and resilience, accessible and affordable housing, and inclusive communities; Balance between portfolio growth and stability, increasing cash flow, equity and NAV over time; use access to an experienced management team and strong partnerships to generate attractive returns for investors; To offer investors a portfolio of high quality real estate development opportunities focused on the core geographic markets; and to provide predictable cash distributions to Shareholders on a tax-favorable basis. Further information can be found at: www.dreamimpacttrust.ca.

Forward-looking information

This press release may contain forward-looking information within the meaning of applicable securities laws. Forward-looking information can generally be identified through the use of forward-looking terminology such as “outlook”, “target”, “can”, “will”, “would”, “could”, “expect”, “intend”, “estimate”, “anticipate” , “Believe,” “should,” “plan,” or “continue,” or similar expressions indicative of future results or events. Some of the specific forward-looking information in this press release may include, but is not limited to, our strategies for generating attractive market returns for our shareholders; our goals and our ability to achieve our impact and sustainability goals; our expectations for growth in our recurring income segment; our plans to issue green, social or sustainable bonds, green loans, social loans, or other financial instruments to effectively fund or refinance eligible projects; and our plans to provide annual updates on our impact funding initiatives. Forward-looking information is based on a number of assumptions and is subject to a number of risks and uncertainties, many of which are beyond our control, which could cause actual results to differ materially from those disclosed or implied in such forward-looking information. These risks and uncertainties include the risk of unfavorable global market conditions, economic and political conditions and health crises; Risks of the real estate industry; Risks associated with investing in development projects; the risk of an impact investment strategy; Risks related to geographic concentration; Risks associated with investments in real estate, mortgages and other loans, and development and investment interests; Credit risk and counterparty risk; Competitive risks; Environmental and climate change risks; Risks related to access to capital; Interest rate risk; the risk of changes in state laws and regulations; tax risks; Currency risk; Acquisition risk; and leasing risks. Our goals and forward-looking statements are based on certain assumptions about each of our markets, including the fact that the general economy will remain stable; the gradual recovery and growth of the overall economy will continue into the remainder of 2021; that no unforeseen changes in the legal and operational framework for our business will occur; that we will achieve our future goals, priorities and growth targets; that we receive the licenses, permits or permits required in connection with our projects; that we have access to sufficient capital to fund our future projects, plans and possible acquisitions; that we are able to identify high quality investment opportunities and find suitable partners for joint ventures or partnerships; that we have no material environmental commitments; Interest rates remain stable; there will be no material change in exchange rates; Conditions in the real estate market remain constant; and the competition for and availability of acquisitions remain compatible with the current climate. . All forward-looking information in this press release is as of the date of this press release. Dream and Dream Impact Trust undertake no obligation to update such forward-looking information as a result of new information, future events or otherwise, except as required by law. Additional information about these assumptions and risks and uncertainties is contained in Dream and Dream Impact Trust’s filings with securities regulators, including their latest annual disclosure forms and MD & As. These filings are also available on the Dream and Dream Impact Trust websites at www.dream.ca/investors/unlimited and www.dream.ca/investors/impact.

source https://www.cassh24sg.com/2021/07/06/dream-unlimited-corp-and-dream-impact-trust-announce-impact-financing-framework/

[fnewstoday]

Best Credit Practices In America Based On Credit Report

When it comes to managing everyday tasks and building plans for the future, credit is arguably one of the most useful assets for an average American. With the help of a good credit buying cars and homes becomes much easier for lots of people, let alone the possibility of saving a considerable amount of money yearly and paving the way to lower percentage rates. And there are even situations when credit is essential to get job and accommodation. In this summary, we have decided to showcase some of the most successful best credit practices. Using the data from the credit report, conducted by the Council on Metro Economies and the New American City of the United States Conference of Mayors, we have referenced the average amount of mortgage, credit-card debt and student loan in 20 cities across the US. The Conference of Mayors of the United States on Metro Economies and the New American City promotes investment in US cities and the financial education of their inhabitants. The Council publishes its long-running series of US Metro economic reports forecasting economic growth, job creation and wage growth in cities and their metropolitan areas. This information can come to the aid of community leaders who seek to analyze all of the worst and best credit practices of the citizens. It doesn’t show vague statistics and the overall situation, but demonstrates the ways real people are dealing with their credit. Therefore, this data is vital for leaders to indicate whether the members of their communities are able to make investments in, say, homeownership. Some people may argue that the differences in real estate prices, transport opportunities and the proportion of the population still paying for university degrees can become an obstacle in the attempts to keep credit health in float. But we have discovered that this is not the case and it can be improved even taking all these factors into consideration. The purpose of this article is to help executives use financial resources, build local partnerships, and track best credit practices development over time. Credit score and why it is important A credit rating, most commonly known known as a credit score, is a number that reflects the ability of the person to deal with their debts properly and the likelihood of them paying credit back. The algorithm of credit scores evaluation comes down to the analysis of every, worst and best credit practices reports performed separately by three major credit bureaus, namely Equifax, Experian and TransUnion. The creditworthiness is commonly determined by this score and the higher it is, the bigger the chances of getting better terms on finance products or insurance protection are. Normally creditors do not use only one credit score in their underwriting process, but also supplementary financial information, be that income data or employment history. There are several factors causing a credit score to change frequently. One of them is repayment discipline. Successful past payments prove a consumer to be creditworthy. Whereas delayed or missed payments, prior bankruptcies or delinquencies are not desirable and belong to crucial factors that can affect credit score in a negative way. The next factor to be taken into consideration is credit expenditure. Credit cards and home equity lines of credit, unified under the notion of revolving credit, identify borrowers as those who are more likely to be at risk of payment dodging. In order to not fall under that category, it is generally recommended to keep the monthly credit balance lower than 30% of the combined accessible limits. Credit score also depends largely on duration of the credit history. A lot of credit valuation models substantiate well-established credit histories. The reason for this lies on the surface. Such histories demonstrate the experience in credit management and subsequently the trustworthiness of a borrower. Apart from the aspects that we have covered above, loan diversity is also at the forefront of influencing the credit score. Creditworthiness can be substantially boosted by the combo of installment part payment accounts (these include car loans, loans for individuals and students) and the aforementioned revolving credit (preferably credit cards). In general, however, it does not apply to a single rating and it would be a mistake to believe that a person should take several lines of credit just for the sake of it. Last but not least, credit score is often determined by recent loan applications, and not in a positive manner. If a person has applied for several new lines of credit within the last couple of years, it is a surefire way to a reduction in creditworthiness. The solution would be to steer clear from making too many recent applications. That being said, if a consumer wants to preserve his creditworthiness, the only right way to do that is by delivering payments promptly. Another key aspect is to approach the existing debt management with responsibility, and seek to maintain a good reputation by removing information that is likely to be counterfactual from the credit reports. Today, many consumers have access to free online resources that can provide them with all necessary credit information, as well as financial instruments or referrals. With the help of such tools consumers are able to monitor credit risk, correct credit reporting errors, and learn how to save money. Findings obtained An analysis of the average credit score of the residents of 20 cities based on their credit report, conducted in December 2016, found that the average credit score in the cities surveyed between the categories "bad" and "good" was 300-850 credit score. That is, while some people are just beginning to set their credit history and others are only beginning to do so, there is a need for improvement overall. The breakdown of loan types and their use is a tool that can be used to identify the areas in which executives can help individuals increase the credit score scale, giving them more options.

executives-can-help-individuals-increase-the-credit-score-scale Another side of mortgage debt All through the country, these mortgages were, on average, the largest loan for those who held them. Due to the different house prices mortgages were caused to fluctuate the most. The average home loan volume ranged from $ 113,628 for homeowners in Dayton, Ohio, to $ 557,826 in San Francisco, California. If the credit scores of certain homeowners or those who have borrowed at higher interest rates have improved since taking out their loans, takeout financing could reduce monthly payments or allow them to spend more money each month on behalf of their lender. Student loans – how can you benefit from them? Loans paid for education also made up a large part of the debt of those who bore them. The average debt of student loans for those who had student loans in each of the cities studied varied from a low of $ 29,506 in Oklahoma City to a high of $ 49,991 in Boston, Massachusetts. Holders of long-term student loans may have observed rising credit ratings. This implies that these loans can provide an opportunity for refinancing to secure lower percentage rates or payments. In case it is a federal loan, student loans holders should balance these benefits against the protection offered. Before refinancing, it is essential for them to examine the income prospects and benefits. Car loans – an integral part of nearly every American’s life Over the decades, the cars have changed their status from being a luxury to becoming necessity. Today, with regard to the dynamic lifestyle the mankind has adopted, it is almost impossible to imagine the everyday life of an average American without a vehicle of their own. That is why auto loans without exaggeration remain a topical issue to consider. The lowest estimated value indicator of the debt among those who were yet to pay their car loans was $ 15,230 in Louisville, Kentucky, the highest coming up to $ 20,938 in Albuquerque, New Mexico. Beyond these 20 cities, our analysis has shown that approximately 15 million people could save nearly $ 25 billion, or about $ 1,700 per person, by refinancing interest over the term of their car loans. Our surveys have demonstrated that far more people are willing to dedicate their time to looking up vehicle functions and features rather than shopping around for a car loan. Furthermore, a lot of people choose to trust the car dealer with this task, taking into account the fact that the latter may be able to add percentage to the interest rate. Due to this car loans can be regarded as a great place to reduce payments. Credit cards and how to use them smartly The average amount of credit card debt borne by those with open credit cards ranged from $ 4,776 in Santa Ana, California to $ 7,236 in New York City. The finding that credit valuations affect even more than the dollar amount is the percentage of available revolving credit. The average was between 31% in San Francisco and 52% in New Orleans, Louisiana. Using less than 30% of the available balance is a key factor in calculating the score, among other key factors such as punctuality payments. This can be achieved by paying off credit cards or opening new lines of credit without increasing the amount owed on these cards. By monitoring activity for inaccurate or outdated information and eliminating errors in a credit report, the usage rates reported by the rating agencies can be managed. Keeping credit cards open can be helpful in both calculating usage percentage and creating healthy credit activity. What is this all about? While analyzing and comparing the aforementioned data, we sought to look into the current state of affairs regarding the most successful instances of loans and best credit practices in the US and the ability of American citizens to manage them. In order to make financial progress, every individual needs to understand how the credit works and what steps they can take to lay foundation for a better tomorrow Read the full article

[kaleyamdarenawz32insurance-blog]

california insurance pre licensing courses

california insurance pre licensing courses

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california insurance pre licensing courses

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[ourmrmel]

Mel Feller Looks at Year Long Goals

Mel Feller Looks at Year Long Goals

 Mel Feller believes that life is a journey. Not just any journey, but the most fantastic journey in the universe. Life is a journey from where you are to where you want to be. You can choose your own destination. Not only that, you can choose how you are going to get there. Goal setting will help you end up where you want to be.

 For over thirty years, Mel Feller has been a strong advocate for goal planning with all of the small business and executives that he coaches.  He has seen the success that they bring and he has seen the devastating effects of non-goal users.  He promises that if you use goals you will succeed!

 When it comes to setting goals, start with what is important to you in life. Take out a sheet of paper. Sit quietly, and on that sheet of paper, brainstorm what you want to accomplish between now and the end of your life.

 Second step-use another sheet of paper, and this time consider yourself and your personal goals for the next 12-month period. Some key areas in which you might set personal goals include family, personal growth, financial, health, social, career, hobbies, spiritual, and recreation. Write down the things that you plan to accomplish, achieve, or attain during this one-year period?

 Now, as a third step, go back and compare the two goal lists you have made. Make sure that the items on your short-term list will, as you attain them, be helping you attain your long-term or lifetime goals. It is important that what you are doing short term is taking you in the right direction toward your lifetime goals. Please rewrite your short-term goals now if you need to.

 As a next step, looking at the goals that are on your list at this time, if there are any that, you are not willing to pay the price for, go ahead and cross them out, leaving only those items you are willing to cause to happen in your life. This does not necessarily mean you have the money or the other resources for attaining the goal right now. However, when you do have it, would you spend it on or trade it for the goals you have on your list?

Now, on still another sheet of paper, create the job goals that are important to you during this upcoming 12-month period. Identify what outcomes you wish to attain or achieve during this one-year period in your specific area of responsibility and authority.

Some key areas in which you might consider writing job goals, if you did not already, include quality, quantity, cost control, cost improvement, equipment, procedures, training, sales, financial, and personnel.

As a next step, look for the blending between your job or work goals and your personal goals. Anywhere you notice that you are attaining a goal on the job while at the same time you are attaining a personal goal, note this relationship: it is in these areas you will be most highly motivated.

For each of the three lists that you have just created, take an additional sheet of paper and list the activities that you must do to attain the most important goal that you have on each of your lists.

Now on another piece of paper titled "Things To-Do List" identify from the activities you just listed, the ones that you must do tomorrow to move you toward your most important goal.

Rewrite your goals in these categories at least every three months.

The only thing in life that is constant is the fact that everything is changing. It makes sense that our goals will change as we change.

Recognize how focusing on what you do want, what you do intend to accomplish, also defines what you choose not to do in your life.

Daily rewrite your list of "Things To-Do" after first reviewing your desired goals.

Success is defined as "the progressive realization of a worthwhile goal." If you are doing the things that are moving you toward the attainment of your goal, then you are "successful" even if you are not there yet.

Every step along the way to achieving a goal is just as important as the last step.

It is not the achieving of a goal that is so important; it is what you become in the process.

Set goals with your family also. Help children learn this process early in life.

Decide what you should be accomplishing and then stick to your knitting. Do not attempt to be or do all things for all people.

Dreams and wishes are not goals until they are written as specific results on paper.

Written specific goals provide direction and focus to your activities. They become a road map to follow.

Being busy with activities does not pay, only results do. As in baseball, you only get points for getting to the goal of home plate. Just making it to the bases does not count.

It has been said that the amount of information available to us is now doubling in less than 30 months. We must learn to focus on only what is truly important to our self and our job.

Be sure the goals and activities that you are working for are yours and that you really want and desire to achieve them. The commitment is vital to your success in achieving them.

When you have a goal that is exciting to you, the life energy flows through you. You are excited about accomplishing it because it is personally meaningful.

Create a time line or matrix chart on which you display your goals visually and the dates when you will have them accomplished.

Continually look for ways to integrate or blend personal and professional goals.

Setting a goal that you believe is unattainable will result in frustration. To be challenging and motivating, goals must be perceived as realistic and attainable.

Those people with dreams are the ones most likely to experience them.

Set goals carefully for you will attain them. This also means if you set none, you will attain that.

Goals, when thoughtfully set, can provide strong motivational direction.

Clear cut, understandable and realistic objectives leading to the goal help to maintain the sense of realism and the hope of attainment of the goal.

Establish measurement criteria to monitor progressive movement toward your goal. Then you will experience progress.

Set goals that you will be proud to have achieved, then sense your having completed them.

Have a vision that you know is unquestionably right and you will be internally driven to achieve that vision.

A goal is "reasonable" when you can see the entire process needed to get to its attainment.

Good planning assists in sensing reasonableness of challenging goals.

Use picture goals.

Develop an emotional reason why you should attain your goal.

 Break down the yearlong goals into smaller steps. One option is to break down the goal over the 12 months of the year. For example, if you want to increase sales by 20 percent, break down those numbers over the 12 months to encourage a gradual growth. These smaller goals also help you track your progress toward the overall year goal.

 Mel Feller – Personal Development, Business, Executive, Internet and Real Estate Investments Coach/Mentor and Business Owner

 Mel Feller was a senior staffer for over 5 years with both United States Senator Jake Garn and The Senate Banking and Finance Committee.

 Mel Feller is a speaker at entrepreneurial forums training business professionals on marketing strategies and the “Secrets of Online Marketing”. He provides consulting services on all aspects of business including organizational performance, sales and marketing strategies, employee productivity and retention, successful solution implementation, technology leverage and customer service in all business and fields.

 Mel Feller's areas of technology expertise include emails and social media, solution development discipline and methodology, business process leads and project management.

 Mel Feller has twenty-five years’ experience with companies, nonprofits and individuals in the research and writing of both government and private grants.

 In addition to his regular consulting and management responsibilities, Mel Feller was published in the Top 100 Mentors; he has published two books on "Creative Real Estate Financing" and “Multiple Secrets to Success”, and presented numerous executive lectures for Fortune 500 corporations on “leadership and business practices”.

Visit him at www.melfeller.com and www.melfellersuccessstories.com

 Mel Feller’s dynamic presence, instinctive strategic vision, and creative thinking produce effective, sustainable bottom-line results for his clients. His “Can Do” attitude generates confidence in his executive coaching clients and strategic consulting corporate clients. Throughout Mel Feller’s career, he has increased the profitability of nearly every organization with which he has worked.

 Mel Feller has a unique ability to relate to his clients because he came from The United States Senate, where Mel was the Chief of Staff for a United States Senator and was always meeting with prominent business people or politicians.  His main love was dealing with constituents that were the grass root voters!  Since founding Coaching For Success 360 In 1989, he has effectively translated that experience into results for his clients. He focuses on separating daily distractions from the real issues in order to put the executive and/or business on the right path to grow and prosper. Results are immediate, growth sustainable, and profitability long-term.

 Dozens of Mel Feller’s clients have been on Inc.’s 500/5000 list and many have been named as a “Best Places To Work.

Using Mel Feller’s intuitive, systematic approach, and our proven strategic and tactical tools, we help you plan for profit.

 Mel Feller believes that what gets measured is improved. Therefore, he is continually developing processes and systems that allow you to easily measure, manage and maintain a highly profitable business.

 Mel Feller is  ready to help you increase your sales, trim and manage your operating costs and see your profits soar and/or leverage your time for Business or Real Estate!

  “Truth telling, honesty, and candor: I loved you Mel Feller! You have so much energy and knowledge! I truly hope I get another opportunity to be coached by you. I see myself a little clearer now, and it’s not so bad.”

Lisa Mathews

 “Mel Feller you added more value than we can possibly see right now. Mel Feller, you are warm, inviting, and accommodating. Thank you for coming alongside us in this transition!”

Vanessa Cavanaugh

“Mel Feller the best education session that we have attended in many years! Thank you so much — I am very excited to put everything you have taught us into practice!”

Michael Randolph

 “Mr. Mel Feller, Thank you, thank you, thank you for giving a marvelous keynote at our Symposium! While we have not yet collected the official feedback, the unofficial feedback was that You Were a Hit! I heard nothing but compliments regarding your presentations. Thank you for making such a positive impact on our attendees! ”

Lyle Cunningham VP

 "Mel Feller uses his humor, compassion, and direct nature to help bring out the best in me. Mel Feller is committed to helping me live...I mean, really live, life to its fullest."

Jose Rodriguez

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