Credit and Finance
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The f-word. Finances. Combining love and money may be the biggest stumbling block on the path of true love, creating more rifts in relationships than in-laws, drug and alcohol addiction, or infidelity.
Protect Your Assets and Your Financial Future
It's been said that, in this litigious society we live in, it's better to be rich and guilty than poor and innocent. Justice, and access to the legal system, seem to be reserved only for the wealthy. So what are the 'little people' supposed to do? What about us 'average Joe's'? We have legal concerns, too, and because we're not among the wealthy, one lawsuit could wipe us out financially. Can we protect our relatively meager assets the way the rich do and still afford to eat?
Publicly owned companies must report earnings per share (EPS) below the net income line in their income statements. This is mandated by generally accepted accounting practices (GAAP). The EPS gives investors a means of determining the amount the business earned on its stock share investments. In other words, EPS tells investors how much net income the business earned for each stock share they own. It's calculated by dividing net income by the total number of capital stock share. It's important to the stockholders who want the net income of the business to be communicated to them on a per share basis so they can compare it with the market price of their shares.
Choosing A Financial Planner
Choosing a financial planner is a very important decision. Who will you trust to handle your life savings and plan your financial future? The fact that someone claims to be a financial planner does not qualify him or her to handle your money. They must have the proper certification, experience and knowledge.
The Four Cs of choosing a financial planner
1. Credentials
*What certifications, college /university degrees and experience does he/she have?
*How many clients or how much money does he/she handle?
*Make sure the planner is registered with the Investment Dealers Association in your area or Certified by a Government body
2.Compensation
*How are you compensated? Flat fees, salary or commission? (Beware of those who earn big commissions for placing you in high risk funds)
*Are there any hidden underwriting fees with my investment fund?
*Will you explain all the cost involved with each investment?
*What is the cost of liquidating or canceling my account with your firm? (Good to know, if you decide to switch funds or investment companies)
3.Characteristics
*What is your investment philosophy?
*Do you focus on domestic markets, foreign market or both? (Answer should be both)
*What is your specialty? Your strongest area? (Global portfolio management, no load mutual funds, stocks, bonds etc)
*How do you view risk and how does your philosophy fit my risk tolerance?
4.Customer service
*What services does your firm offer?
*How accessible will you (the agent) be?
*Will you review the funds last 5 to 10year performance in the prospectus?
*What has been your year-to-year investment performance?
*What was you worst year? Best year? And why? (Look for defensiveness or humility after raising this question, it reveals personality type)
*Do you offer financial planning, money management or both?
In conclusion, a financial planner works for you, and should be compatible with your personality, risk tolerance and financial goals. Make sure that your hard earn money is in good hands. Interview potential planners, ask for references and call at least 3 of those references.
Richmond Acheampong
Web Editor,Co-founder
Parent Tree
Online Family Resource
Richmond Acheampong is one of the co-founders of Parent Tree online family resource. A web site devoted to providing resources for families thru relevant articles, the Parent talk advice panel, products and links.
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