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Hub You - 10 Questions To Ask Planner
Sarah is a highly effective, multitasking business professional with a strong passion for her work. She is also a loving and caring mother of three kids. Sarah is happily married to an equally busy man. They have lots of friends and an active life outside work. It sounds too good to be true! How does she manage?Some years ago Sarah was overwhelmed, frustrated, constantly tired and ready to stop her professional dreams. She worked over 60 hours per week, and tried desperately to catch up with dead lines and projects, meetings blended with business travel. She had difficulties to deliver in time, her occupational stress level was high and her job motivation was low. Sarah’s performance declined. Her life was going in a downward, steep spiral. She was close to loosing her job, and to get a divorce, all at the same time, and she felt miserable.Sarah didn’t want to give up. She understood she needed help to sort out the different parts in her life. She learned the 3 key secrets to how to solve career burnout:Secret #1: Sarah started with herself. By identifying her life goals and how she wanted to live her life she got a much clearer picture of her values and what was important to her. She focused on what was fun, and how she felt when she engaged in different tasks. Things that didn’t feel good, she decided to delegate. She got clear in her strength and her true brilliance and when she incorporated
The JetBlue Card from American express is for member is travel frequently using JetBlue Airlines and would like to participate in the frequent flyer rewards program. With this program, cardholders earn one Award Dollar for each dollar they spend using the card. When the card is used on JetBlue flights, restaurants, movie theaters, gym memberships, event tickets, and golf green fees, the cardholder earns Two Award Dollars for each dollar they spend.When you redeem the Award Dollars, keep in mind that 200 Award Dollars are equivalent to one TrueBlue point, and it takes 100 TrueBlue points for a round trip flight. After the first purchase, cardholders receive 5,000 Bonus Award Dollars, the equivalent of 25 TrueBlue points, toward a free round trip ticket. Though there is no limit to the amount of Award Dollars a cardholder can earn, but TrueBlue points are only good for one year after they are earned and one year after they are issued.The card carries an annual fee of $40 with a 3.99% introductory rate that is good for six months and applies to any balance transfers that are submitted with the application. At the end of the introductory period, the interest rate for purchases and balance transfers will be 17.99% variable rate and 22.99% variable rate for cash advances.Because of the higher than average interest rate, those who are likely to benefit the most with this card are those who can afford to pay t
1. What experience do you have?
Find out how long the planner has been in practice and the number and types of companies with which they have been associated. Ask the planner to briefly describe past work experience and how it relates to their current practice. If your financial planner will be offering you investment advice, it is advisable to work with someone who has been through a recession or down stock market.
2. What are your qualifications?
The term "financial planner" is used by many financial professionals. Ask what qualifies him to offer financial planning advice and whether he holds a designation such as the Certified Financial Planner or Chartered Financial Analyst marks. These professional des
A travel rewards credit card can be the perfect way to get something back for your travel purchases, but to get the most of the rewards; you need to know how to choose the right card for you.1. Determine the main useOne of the first tips for finding the travel rewards credit card that will suit your needs is to determine what those needs are. Will you be using the card to charge for your transportation costs? Are you using the card for hotels for family trips? Think about the main uses for the travel rewards credit card and then you can narrow the selection choices.2. Determine the rewards that you would likeMany times a prospective cardholder will choose a travel rewards credit card because it sounds like it offers tremendous rewards. And while it might, if you’re not going to use those rewards, the card will not be advantageous. Think about the kinds of rewards that you might like to have: frequent flyer miles, hotel discounts, and free upgrades. When you’ve chosen rewards that you’ll actually use, you’re getting the most from your card.3. Are you loyal to one company?You will also want to consider if you have patterns in your travel that might aid in choosing a travel rewards credit card that meets your needs. That is, if you tend to fly with one airline, you may want to consider that airline’s travel rewards credit card. This choice may end up paying you more in rewards
1. What experience do you have?
Find out how long the planner has been in practice and the number and types of companies with which they have been associated. Ask the planner to briefly describe past work experience and how it relates to their current practice. If your financial planner will be offering you investment advice, it is advisable to work with someone who has been through a recession or down stock market.
2. What are your qualifications?
The term "financial planner" is used by many financial professionals. Ask what qualifies him to offer financial planning advice and whether he holds a designation such as the Certified Financial Planner or Chartered Financial Analyst marks. These professional de
What really does not change in the world is the need for change. It is this bug in you or the environment around you which is constantly after you for a change. If one changes her career 3-4 times in her life time, that much she needs to carefully manage her career change. Mind you, career change is synonymous to changing boats in the middle of a storm.Managing Your Career ChangeYou have to evaluate your need for a change pragmatically. This way, you can stop yourself from falling prey to impulsive actions. Being pragmatic or practical means thinking in the way that both you and your detractor think about you. This gives you the advantage of multidirectional thinking.1. Develop Career Goals Early In Life: Broadly speaking, this is deciding where you want to be at each key stage in your life (making goals measurable). Your first step more or less decides most of your career path. You must also commit yourself to your goals.2. Prepare The Ground: You have to acquire new skills and education. Knowing exactly what the employer is looking for should guide you here. Make the right connections. What organizations you belong to tells a new employer a lot about who you are and what your future potential is. Keep your network and resume updated.3. Assess Where You Stand: At this stage you will understand where you stand with respect to your career goals. How do you know that you are lagging behind,
2. What are your qualifications?
The term "financial planner" is used by many financial professionals. Ask what qualifies him to offer financial planning advice and whether he holds a designation such as the Certified Financial Planner or Chartered Financial Analyst marks. These professional de
Leadership development requires many levels of effort and commitment. There needs to be accountability, a structure of effort on self-development, and a commitment from senior management that is more than simply spending training dollars.Training is not an event. It is a continuous improvement process that will distinguish between those looking to build a career and those waiting on the company to provide one. Getting the best ROI on your leadership development requires the following steps:Step 1: Establish a Training ProcessMost companies make training decisions based on budget and available training dollars. Can you imagine a doctor saying you need open heart surgery and you reply, “I don’t have that in the budget. Can you just give me some medication and hopefully next year I’ll have the budget to do it?”If your leadership hasn’t been getting training all along, then your leadership is on life support. An ongoing training process needs to be established. Not one all-day seminar you paid $99 per person to attend. Not a seminar every once in a while. For the best results, create a multi-year plan not only to develop the managerial ranks both in their development but to set the tone of how important it is for your managers to step up as leaders. This plan sets an expectation that this is how we do business, not this is what’s left in the budget.Step 2: Expect Self-driven Development
2. What are your qualifications?
The term "financial planner" is used by many financial professionals. Ask what qualifies him to offer financial planning advice and whether he holds a designation such as the Certified Financial Planner or Chartered Financial Analyst marks. These professional de
In the case of a new business the amount will be written in the cash column if the cash is introduced and in the bank column if it is directly deposited in the bank with the words, "To Capital Account" on the debit-side of the cash book. In the case of a continuing business the opening balances are written as "To Balance b/d" Receipt side of the cash book. (Dr. Side)It is used to record all receipts both in cash and by cheques as also to record the discount allowed to our debtors while receiving the payment. Cash receipts are entered in the cash column whereas amounts received by cheques are entered in the bank column; (It is always advisable to follow the practice of crossing all cheques received as "Payees A/c only" and to be sent to bank for collection. This provides safeguard against possible embezzlement) and discount allowed in the discount column.Posting from the debit side of the cash bookIt is to the credit of the respective accounts-in case if personal account credit is to be given for cash or cheque received plus discount allowed. At periodical intervals cash and bank columns will be balanced and the balance will be carried down to the next period whereas discount column will be to totaled and posted to the debit side of "Discount Allowed" account to be maintained in the ledger.Payment side of the cash book (Cr. Side) is used to record all payments both in cash and th
3. What services do you offer?
The services a financial planner offers will depend on a number of factors including credentials, licenses and areas of expertise. Financial planners cannot offer insurance or securities products such as mutual funds or stocks without the proper licenses, or give investment advice unless registered with state or Federal authorities. There are some planners who offer financial planning advice on a rang
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