Financial Planning the Right Way: Mapping Your Future With a Professional Financial Advisor

Anyone can write a financial plan, or at least it looks that way. You can consult your banker, go to a brokerage firm, or hire someone who calls himself or herself a financial planner to prepare a plan for you. Financial planning simply is not that complicated, right?

Let's consider what's included in a comprehensive financial plan. There's a section on what happens if you died today. Will estate taxes be due? Does your estate have enough liquidity? Another section outlines what happens if you become disabled or need long-term care. Have you saved enough for retirement? And how will you pay for your kids 'or grandkids' college education? What about charitable giving, income tax savings, and investment allocation?

The first place to start is selecting the right person to develop a financial plan. Find someone with a fiduciary responsibility such as a Certified Financial Planner ™.

It is important to seek out someone who will listen to your objectives and design a plan to meet your goals. Be sure the person you choose to draft your initial financial plan is familiar with how the planning you do in one area affects exit in another. For example, what you do in the area of ​​investment planning can affect your tax planning. What you do to provide for asset protection can affect your estate planning, and so forth.

A sound financial plan should also address how you are expected to have when placed in a variety of scenarios. The only certainty in life is that the unexpected will always happen. When placed in an unexpected situation, most people will tend to make major decisions based on emotion, and then try to rationalize them, underlining their long-term planning. Therefore, a solid financial plan should be flexible enough to accommodate the unexpected. This is especially true in the investment-planning arena. It is important to have a written investment policy statement to help protect your portfolio from unplanned and impulsive revisions of sound long-term policy. Especially in times of market turmoil, investors without an investment policy statement are inclined to make investment decisions that are inconsistent with prudent investment management principles – and their best interest. Your investment policy provides an agreed-upon and well-thought-out framework from which sound investment decisions will be made.

Many people believe the process ends once the plan is written. But good financial planning means regularly monitoring and adapting strategies to ensure you're meeting your goals. Remember, you're not just trying to create an end product that will not ever need to change. You're developing a map that will help guide you toward financial stability. And regular comparisons of where you planned to be in the future with where you actually end up can generate important discussions about why you ended up where you are. Are you ahead of plan because your investment portfolio did better than expected, were taxes lower than expected, or maybe you spent less than expected? The reason you end up at a particular place is important to understand because that determinates what types of adjustments might be needed for your plan A financial plan that's developed with the help of a professional financial planner could be the right map to help you reach your financial destination.

Many people can help you prepare a financial plan, but the most successful plans are crafted by professional planners which allegiance is to you, the client. Professional planners have the credentials and understanding to know how the different areas of financial planning affect one another so they can help determine what is right for you. And professional financial planners will follow up with you after the plan is in place to assist in analyzing deviations from the plan in order to make competent adjustments to steer you away from failure.

Personal Security in the Social Networking Environment

Social Networking has spread like wildfire, and many of these sites are still gathering hordes of new members every day.

Facebook, MySpace, Twitter, Tagged, LinkedIn, YouTube and many others are an automatic must view every time many people sign on to the internet. How safe is your personal information on social networking sites?

Many of these 2.0 web destinations have a common theme, they encourage the sharing of information in one form or another with authorized followers. Granted a lot of the information people share is not harmful, though some can turn out to be very harmful, consider the following

  • The Lori Drew case, where Lori established a false online profile with the intent of bullying her daughters online rival. The rival ended up committing suicide. Lori is in prison. How many other cases like this are out there?
  • Some users make the bad guys job just too easy, by posting things like their social security number in their profile, or even when they register, these sites have no need for your social security number.

These examples are similar in that they are common mistakes.

  • Some things that get posted seem to be very innocent and not dangerous. A recent burglary was facilitated by a young woman who posted her plans to go out one evening on her social networking page. While she was gone thieves broke into her apartment and stop more than $ 10,000 worth of electronic and other equipment. Luckily they overlooked the CCTV equipment that recorded their actions, when the police released the video to the news media one of the young woman's followers recognized the thieves as other registered followers who she knew from high school. This particular incident turned out okay, just imagine though what could have happened if the young woman had come back to her apartment while the thieves were still there!

The above incidents point out some of the things you need to be careful about when interacting with social networks. Aside for authorized followers being able to access the info you post. Think about every way you interact, for example;

  • There are reports of hackers getting into social networking member files and finding information that can help the identify users.
  • A newer attack is the posted false false that attract followers, then the persons behind those profiles will solicit information from those followers.

So what are some of the steps you should take to stay safe on social networking sites?

  • Be careful of what information you provide on profile pages as well on your own page. Your age or birth date, your social security number, your location, your phone number, your email address, your job, your friends or family names, your photo, all could have been used to find information about your real identity.
  • Do not post information about your schedule schedule, your vacation schedule, even your work schedule, if a potential bad guy gets that kind of information, they will know when you are not home.
  • Never respond to invitations to share user names or passwords.
  • Be careful about exposing any personal information unless you know exactly who you are interacting with.

Performing a Public Records Search For Ohio

With one of the largest universities in the world and an incredible amount of diversity, Ohio is a wonderful place to live and a great place to request vital records. The founding fathers here understand how important it is to keep government open and honest and the laws on the books here are aimed at keeping things that way. According to state law, records requests have to be filled in a reasonable period of time and the requesting party can determine the medium in which records are delivered.

There is also strict word in the law that helps to keep costs down so that everyone can request copies of vital records. According to the state website, vital records cost $ 16.50 per copy and can be sent anywhere in the United States. All records requests in the state of Ohio go through the capital in Columbus. Corporate trademark records, sales tax records, hunting and fishing license records and more are all located in the state capital, which is also the location for Ohio State University.

Currently, there is no state-managed online database governing vital records in Ohio. Much has been made recently in the state media about the creation of such a database since other states have had them up and running for years. With Ohio's population of over 11 and a half million people, it is understandable why such a database has not been put online, but once it is, ordering records from the Buckeye State will be easier than ever.

You can still retrieve a record online from the state of Ohio when you use Records Project. Tap into the most powerful public records database on the Internet when you use the Records Project to locate and order the public records you need. Do not go another day without the records you need to make your life complete; order today

7 Best Tips For Healthy Clay Pot Cooking

Clay pot cooking is the oldest and time-tested method for healthy cooking. While people are struggling to fight the ill effects of modern ways of cooking, with this safe and simple way of cooking, nobody ever had complaints. This is probably the reason people are slowly going back to their roots by switching to clay cookware.

There is a new challenge with clay pot cooking today it is rare that people are making it with the health value in mind so the clay pots available in the market are unfortunately chemical laden and coated with toxic enamels and glazes (like ceramics). The more beautiful and colorful they look on the outside, the more toxins they may leach while cooking. The cheaper they are, it’s possible that additives are used to make them faster and smoother. It’s important that you choose a truly healthy pot and here are 7 tips to choosing and using the best clay pots:

1. Always Choose Primary Clay

Primary clay is the purest form of clay – it has absolutely no toxins. Only primary clay is naturally inert, so doesn’t react to food like metals and ceramics. There are many clay pots available in the market that are made from secondary or tertiary clay but they have contaminants that may leach into your food while cooking.

2. No Chemicals, Glazes or Enamels

Most makers start using chemicals to make the process easier. In fact, every mechanized process needs the raw material to be treated with chemicals. The glazes and enamels might make your clay pots and pans colorful, attractive and even robust but they contaminate food. So always choose a cookware made from unglazed primary clay (or pure clay).

3. Seasoning Is Important

Seasoning your pure clay pot as per instructions is very important for cooking delicious food every time and it also increases the life of your pot. Pure clay is naturally non-stick, so after proper seasoning, if done right, the food should never stick to the bottom.

4. Choose Ingredients Carefully

You have finally chosen the healthiest clay pot – great, but it will all be in vain if you won’t use the right ingredients. For healthy clay pot cooking, make sure you choose all-natural organic ingredients that are unprocessed and nutrition-rich. A balanced diet is all you and your family needs for a healthy body, so always pay attention to the nutritional value of your ingredients.

5. Cook At Medium to Low Heat

Pure clay pots are great retainers of heat and the near infrared heat radiating from their walls cooks food evenly with gentle heat. It keeps nutrients intact and food cooks in almost the same time at low-medium heat as it does on high heat in metal/ceramic cookware.

Cooking at low-medium heat not only prevents food from burning and sticking to the bottom, it also improves the durability of your pure clay pot.

6. Choose A Pot That Manages Steam Well

Steam management is an important aspect of healthy cooking. In conventional cookware, the steam pressure inside the pot gets too much while cooking with harsh, near-infrared heat from metals/ceramics. So their lids have vents to release excessive steam in order to protect the pot from exploding.

Not many are aware that steam is water-soluble nutrients. As the body can’t store them like fat-soluble nutrients, they are needed every day. If the steam is released freely while cooking, the food becomes nutritionally deficient.

An ergonomically designed pure clay pot and lid make sure when steam rises from food, condenses at the inner surface of the lid (the lid being cooler than the pot) and settles back into the food before cooking is complete. This way, the water-soluble nutrients are preserved and your body is nourished with them regularly.

7. Clean With Water – No Soap

Regardless of what the label says, all soaps are toxic. When you are using a 100% non-toxic cookware, it’s important that you keep it away from anything toxic or chemical laden. Pure clay pots are naturally porous, so food doesn’t stick to the surface. You can always clean them with bare hands in normal water. Though you can scrub it a little if burnt food sticks at the bottom.

By following these simple yet useful tips, you can do wonders with healthy clay pot cooking. This will not only keep your body nourished with essential nutrients but will also protect you from common infections and diseases by strengthening your immunity.