If a Whale Flaps His Flippers in London, It Causes a Tiny Increase in McDonald’s CDS Spreads » So long, Spoutwhale; hello … um … this guy.
Comments (1)
Leave a comment
You can log in with your account or comment as a guest below.
- Use the Bloomberg command
NH BLG_DEALBREAKER <GO>
to access Dealbreaker -
You know what they say: You can’t choose your family, but you can choose your financial planner. Or something like that. One of the great things of being in charge of your money is choosing who (if anyone) will help you manage it. The choice isn’t always an easy one. How will you know that your planner is reputable and trustworthy?
These five red flags may be good indications of whether the financial planner sitting across from you is someone you should trust with your money. LearnVest Planning also provides an innovative 7-step program for your money where you work one-on-one with a financial planner. To see if this program is right for you, start with a free financial consultation.
1. She Isn’t Certified
“There are a lot of good planners out there who aren’t Certified Financial Panners™,” says Samantha Vient, CFP®, of LearnVest Planning Services. “However, CFPs® are required to adhere to the CFP® Board’s standards of professional conduct.We believe it’s always a good idea to work with someone who has the CFP® designation, which is issued after completing a CFP® Board-approved personal financial planning curriculum, passing a rigorous exam issued by the Certified Financial Planner Board of Standards, meeting experience requirements and passing an ethics and background check.
2. He Offers to Manage Your Money for “Free”
Financial planners are usually paid in one of two ways: Either through fee-only, which can be a set fee, hourly, retainer or a percentage of the assets they manage for you, or through commission, which means the planner is paid each time he buys or sells an investment.Fee-only payment structures can be more desirable to some clients, as there’s no financial incentive based on assets under management for a planner to buy or sell, whereas working on commission encourages planners to make trades, rather than solely look out for your best interest—called a “fiduciary” duty. (You want to be sure that the planner you choose is a fiduciary.)
LearnVest Planning Services provides the services of fee-only Certified Financial Planners™. Get started for free with a 15-minute financial consultation.
3. She Says She Outperforms the Market
“If a financial planner tells you that she can outperform the market, that’s a major red flag,” Vient explains. “In fact, due to government regulations, it’s illegal to advertise statements that promise a specific return.”Outperforming the market—that is, getting better investment returns than the market average—is extremely difficult to do consistently, and requires taking a lot of risks with your investments. It’s rare to find a financial planner who can consistently outperform the market—and results are never guaranteed. Either way, in the pursuit of these high returns, she’ll be exposing your investments to much higher risk than you may be comfortable with.
Instead, look for a CFP® who, when looking at your portfolio, can advise on proper asset allocation based on your risk tolerance and time horizon, as well as through economic ups and downs.
4. She Doesn’t Ask About Your Financial Goals
“Your planner isn’t just there to crunch the numbers,” Vient advises. “She’s helping you make a plan for your money and your life. You should be looking for someone who has similar values to you.”Ideally, you’ll likely want to work with someone who is in a similar life stage. Are you a parent? A planner with children may be better able to understand your need to save for college. Does your CFP® have a specialty? Some planners have an area of expertise, like insurance, estate planning, divorce or retirement—a fact you might want to consider if that’s a particular need of yours.
When meeting a potential planner, remember that you’re allowed to ask questions about their experience and priorities: “Do you think it’s more important to save for retirement or pay off debt? How do you feel about supporting kids through college? How do you mitigate investment risk as your clients get older?”
The choices you make with your money are intensely personal. The person who helps you make these choices should be able to understand and accept your financial priorities, and help you use your money to meet them.
5. His Management Style Makes You Uncomfortable
Financial planners can manage your money for you or manage your money with you. As different people have different needs when it comes to money management, there is no right way to work with a planner—it’s up to you to decide how hands-on you want him to be.
When you sign on with a financial planner, there will be a written agreement of how the two of you will manage your money. Read this carefully, and ask questions if you’re unsure about anything. Are you signing your accounts over to this planner? Will he check in with you before making a trade, or when rebalancing your accounts? If you’re uncomfortable with anything in the agreement, bring it up immediately.Learn more about LearnVest Planning and our financial planners by visiting learnvest.com. To book your free consultation today, email FA_Support@learnvest.com or complete your request online.
LearnVest Planning Services is a registered investment adviser. The opinions expressed in this article are that of LearnVest Planning Services, a registered investment adviser. The advice provided may not be suitable for your individual situation and you should discuss your situation with a financial professional.
-
Posted in:
Sponsored Content
SoFi Answers the Call to Refinance Student Loans and Provides Unique Community Benefits
This is a guest post written by SoFi’s CEO, Mike Cagney.
CLICK HERE TO READ THE FULL ARTICLE
Recently, there’s been a lot of talk amongst leaders in Washington about how to improve the painful process of repaying student loans. At SoFi, we feel your pain and work hard to offer more flexible, more affordable options for our borrowers. One idea that’s getting a lot of attention is increasing the options for refinancing debt after graduation. The only lender currently focused on refinancing private and federal student loans is SoFi.
We recognized early on that borrowers who have made timely payments on their loans, graduated from school, and have a job should be able to refinance their student loans at a lower interest rate. This may be why, after resuming lending by invitation, the media became increasingly interested in what we are doing.
In a recent article posted on MainStreet.com SoFi General Counsel Rob Lavet had this to say about SoFi’s ReFi products:
“We can offer a better deal than the federal government in terms of rates […].We offer borrowers who meet our underwriting criteria a package that pays off their federal and existing private student loans at a rate as low as 5.49%. Some lenders will do a consolidation on private loans, but we’re the first lender to offer to refinance a federal loan at a lower rate.”
Journalists from the USA TODAY, The Chronicle for Higher Education, the American Banker among others, also found themselves reporting on how SoFi is “using social communities and offering refinancing of student loans.“ It is this social community aspect that makes refinancing with SoFi so valuable. By connecting borrowers with a community literally invested in their success, the benefits of a SoFi loan go beyond saving money.
How many student lenders do you know that will help unemployed borrowers find a new job? SoFi does just that – engaging with borrowers who are actively looking for new employment opportunities and leveraging the networks of all members eager to help these individuals achieve new heights in their career.
Our Entrepreneur Program is another example of SoFi’s community in action connecting like-minded borrowers and investors in support of new business creation. We combine mentoring sessions for participants with exclusive access to the venture capital community.
SoFi wants to help borrowers realize their goals beyond paying off student debt. Whether seeking employment opportunities, career advice, partners for entrepreneurial ventures, access to industry luminaries, or simply a like-minded network, our members benefit from a supportive community of people vested in one another’s success.
Learn more about SoFi’s refinancing programs and community benefits at www.SoFi.com
-
Posted in:
By WebOsPublisher
Illustration of Set of under construction icons,illustration vector art,clipart and stock vectors.. Image 9728013.
Set Of Under Construction Icons, Illustration Royalty Free Cliparts, Vectors, And Stock Illustration. Image 9728013.
0800 88 66 020
Live Help
English
16,733,102 ROYALTY FREE STOCK PHOTOS
Sign Up
Login
* html img.compImg { width: expression( this.clientWidth
Illustration – Set of under construction icons, illustration
Set of under construction icons, illustration
Add to Lightbox
Download comp
Similar Stock Photos
Image ID :
9728013
Image Type :
Illustration
Model Released : No Property Released : No
This Clipart can be obtained by:
Credit Purchase
Subscription
Illustrator
Dmitriy Shironosov
From Russian Federation Member since June 2007
.ellipsis {
width:170px;
white-space: nowrap;
overflow: hidden;
text-overflow: ellipsis;
-o-text-overflow: ellipsis;
}
Illustrator’s Profile & Portfolio
Similar Stock Photos
tools icon
Stickers illustration
Pattern traffic cones isolated on white background, vector illustration.
tools icon
construction icon set
tools icon
A set of icons for various building designs on a white background
Web and Internet Icons for your website, internet, presentation and application project. web 2.0 style, clean and professional. see more icons in my portfolio. – total 7 Set in Novica Icons Series
road signs for website buttons
tools icon
tools iconisolated black traffic sign icons set on white backgroundtools iconBright website and interface icons. Vector illustrationtools iconReal estate
Standard License
Extended License
Additional Multi-seat License
Illustration Keywords
Find similar stock images by selecting any combination of the following keywords. Click on any keyword to search on a single keyword.
yellow
worker
warning
truck
tool
symbol
stop
site
shovel
set
security
safety
radiation
pollution
paint
objects
mechanic
machine
lorry
instrument
industry
industrial
illustration
icons
helmet
hardhat
graphic
equipment
development
design
danger
construction
collection
clip art
building
bucket
block
attention
artwork
art
alert
pollution art
flower clip art
clip art people
clip art
Photos
Vectors
Footage
PRICING
–
All Images
All Images
Photography
Vector Illustration
Footage
123RF Stock Photos
About
Business Opportunity
Career
FAQ
EVO FAQ
Editorial FAQ
Video Footage FAQ
Features
Hear It!
Blog
Tutorials
Corporate Social Responsibility
Stock Photo Services
Corporate+
123RF Partners Program
Buy Stock Photos
Subscribe
Buy Credits
Lightboxes
Download History
Rewards
More
For Photographers
Sell Images
Upload
History
Earnings
Referral
More
International
English
Deutsch
Español
Français
Italiano
简体中文
繁體中文
Mobile 123RF
Dutch
Česky
Język polski
Русский язык
Portuguкs
日本語
한국어
Policies
Legal
Licensing
Privacy Policy
Terms of Use
Support
Need help? Contact your dedicated Account Manager
@ 0800 88 66 020
Contact
Live Help
Skype
Connect with Us
Twitter
Facebook
Google+
Pinterest
YouTube
All rights reserved. © 12/08/2012 123RF Limited 2006-2012.
.popup_me li {margin:0 0 3px 0;padding:0;}
USA / Canada: 1 866 655 3733 (Toll Free / 24hrs daily)
UK: 0808 222 3388 (Toll Free / 24hrs daily)
Europe
Austria: 0800 886 6020 (Toll Free)
Belgium: 003228087089
Bulgaria: +359 2 9631552
Czech: 800 606060
France: 0 153 435 187
Finland: 0 40 060 7645
Germany: 0800 886 6020 (Toll Free)
Greece: +30 210 6007925
Hungary: 06 30 844 0761
Luxembourg: 0035227860314
Netherlands: 0031208081224
Poland: 794 986 424
Romania: +40751472717
Russia & CIS: +7 495 988 2024
Spain: 91 710 3796
Slovakia: +420 226 238 691
Switzerland: 0800 886 6020 (Toll Free)
Turkey: 0 212 258 7058
Europe (Non-listed): +44 20 3286 9998 (24hrs daily)
Portugal: +351 210 307 840
Italy: 342 8012781
Central / South America
Colombia: 743 9070
Mexico: +52 55 5559 2373
Brazil: +55 11 2385 7600
Asia
China: 010-84874844
Hong Kong: 8226 0220 (24hrs daily)
India: 093 9420 9216
Japan: 03-5530-9250
Korea, Republic of: 02 1544 7043
Malaysia: 1300 88 88 98 (Toll Free / 24hrs daily)
Middle East: +971 50 6901 200
Singapore: 6423 9693 (24hrs daily)
Taiwan: +886 2 8758 2371
Thailand: 02 636 7800
Asia (Non-listed): +603 7809 0903
Philippines : +639286962707
Australasia
Australia: 1300 82 81 88 (Toll Free / 24hrs daily)
New Zealand: 09 889 8808 (24hrs daily)
Northern / Southern Africa
Morocco: +212 6 64 78 45 33
South Africa: 0861 777 260
Email: info@123rf.com
Complete contact information »
English
Deutsch
Español
Français
Italiano
简体中文
繁體中文
Dutch
Česky
Język polski
Русский язык
Portuguкs
日本語
한국어