Financial Planning Services

Financial strategists and planners are specialists who work with individuals to create a financial plan which will help to generate more wealth. They are commonly used by people from all different walks of life, including people who are heading towards retirement, and people that are interested in learning how to invest and use their income to maximize their wealth. This article takes a look at a five step process which is offered by financial strategists, and it explains what each of the steps entail.

The five step process includes an initial consultation, a strategic planning preparation, a strategy presentation, strategy implementation, and ongoing service and review.

Initial Consultation

The first step involves a thorough consultation where you will meet face to face with your financial planner to discuss your current financial situation and your goals and objectives. During the consultation you are free to ask any questions about the service. The financial planner will be able to clearly advise you on all costs and fees, and provide you with detailed information on the types of services that they can offer. There will be no obligation to proceed with the service after the initial consultation. If you do wish to proceed you can ask your financial planner to prepare a financial plan for you.

Strategy Plan and Preparation

The next step involves finding out more detailed information about your current financial situation in order to make a financial plan which is tailor to your needs. This can include ascertaining you current assets and liabilities, identifying your income and expenditure and understanding your current tax structure, amongst other things. This information is then processed to streamline your current financial situation, and to identify appropriate wealth creation strategies which are best matched to your circumstances. Financial planners will also help to minimize taxes, consolidate debt and maximize government entitlements. During this process your privacy and confidentiality is assured.

Strategy Presentation

Another meeting is arranged in which the financial planner will present a full financial plan which has been tailor to your exact financial situation. They will be able to make minor adjustments to the plan if it is necessary and clarify any of the details for you. If you are happy with the plan you can give the authority to put it into action. They will have all of the necessary paperwork with them, and assist with the insurance underwriting process so that you can get the plan implemented as soon as possible.

Ongoing Service Review

It is possible to subscribe to a full client care package, which includes ongoing service and review of your financial plan. A financial planner will be able to review all aspects of your financial plan to ensure that it is performing well and meeting or exceeding your expectations. They will identify opportunities which can be used to update or modify your existing financial plan, and check that the plan fits in with any lifestyle changes. They will also advise you on updates to the world's economy so that your plan can be updated as required.

Do not Give Up on Hair Loss Treatments Yet - Here Are 6 of the Best Natural Hair Growth Remedies

Natural hair restoration remedies are in abundance for those of you who would prefer to achieve regrowth of hair naturally, and heal your body from the inside out. All of the ingredients are healthy, natural and cheap, readily available from your local market, health food stores. Cut out the expense of surgical procedures and try these herbal remedies for hair regrowth.

Aloe Vera

We all know that Aloe Vera contains properties that are great for healing our skin from cuts and burns. But did you know it contains enzymes that also promote hair growth? It is probably one of the best herbal remedies for hair regrowth and you can use it many different ways:

• Aloe Vera Gel or Lotion - this is easily available from your local health-food store. Make sure its purity is no less than 99.9%. You can apply it directly to your scalp daily. Leave on for between 30-45mins and rinse out
• Aloe Vera Shampoo - You can make your own shampoo, combining Aloe Vera gel with a small amount of wheat germ oil and coconut milk. This can be used daily as your staple shampoo
• In its natural state - you can also buy the plant for your home, which is reliably cheap! Instead of the gel, you can take a few leaves off, cut them open and massage the pulp and juice onto your scalp. Rinse off after 30 mins

Wild Yam Root

This one is just for you ladies! Wild Yam Root promotes hair growth in women ... and women only. The root produces Progesterone in your body, which not only balances the production of hormones, but also treats several menopausal symptoms, including hair loss. It makes a great natural hair restoration remedy and fortunately, it is available in many forms:

• Orally - via liquid extract, tablets or capsules. Normal doses of wild yam are 2 capsules three times a day or as a tincture, 40 - 120 drops, three times daily
• As a herbal tea - steep 1 to 2 teaspoons of dried root in 8 oz of boiling water for 3 to 5 minutes

Onions

For those of you that do not know already, onions are an excellent source for its cleansing, antibacterial and stimulating effects on the scalp. Containing a high number of important vitamins and minerals, onions are extremely effective in regenerating hair follicles, scalp circulation and stimulating hair growth. Here's how best to experience this herbal remedy for hair growth:

• Peel the skin off one large onion and place into a juicer. If you do not own a juicer, you can try a blender
• Massage the juice into the scalp and onto the roots of your hair, specifically in the thinning and balding area
• Leave there to sit for at least 1 hour
• Follow this with your regular shampoo and conditioner
• Repeat this twice a day and you should see the start of hair growth within two weeks

Garlic

Not only is it perfect for adding that bit of extra flavor to your spicy meals, but garlic is also brilliant in its ability to remove harmful toxins stimulate blood circulation, essential for hair growth and preventing hair from shedding. So how best to take it:

• Garlic Extract - odorless garlic extract supplements are available form any health-food store. It's advised to take 1-6 daily, preferably with meals
• In natural form - adding 1 garlic clove for added flavor in meals

Emu Oil

Emu oil is obtained from Emu fat and has been proven to regenerate inactive hair follicles. Studies have reported that Emu oil revitalizes skin cells on the scalp and produce up to 80% hair regrowth naturally. Emu oil can be applied topically to the balding / thinning area and deeply massaged into the scalp. Leave it on for 10-20mins and immediately follow up with your regular shampoo. You do not need to rinse the oil off first.

Essential Oils

There are many essential oils that promote natural hair regrowth by stimulating the hair follicles. The following recipe contains the most effective herbal oils for hair growth

Hair Oil Recipe

• 3 drops of essential oil of thyme, lavender, rosemary, cedarwood, 20ml of grapeseed oil and 20ml of jojoba oil
• Mix the ingredients together and massage 6-15 drops into your scalp and hair for 3-5 minutes every night, paying particular attention to the balding / thinning area
• Cover your hair in either a warm towel or plastic shower cap for at least 45mins for your scalp to generate heat and absorb the oils. If applying at night, you can sleep with the oils on overnight
• Wash out with your regular shampoo

Clearing the Clutter Fast: Helpful Tips

If you take a minute and stand in the middle of your den or living area you can get a good feel for the room. You want to imagine wonderful things, but instead your thoughts are interrupted by the alarmingly growing amounts of clutter that seem to be piling up rather quickly. On the left side of the room you have a pile of books. Some you've read, some you're reading, and some you just do not know how old they are or where they came from. You may have put them on your coffee table with the other pile of magazines. You probably put them there so you would have something for your guests to look at. But now, it just looks like the place to put all your magazines because you do not know what else to do with them.

Now glance to your right and all you can see are your children's toys scattered around all over the place. Maybe there is even an empty pizza box from movie night. There are probably candy wrappers on the tables and empty cups and most likely some random items of clothing on the floor somewhere in there too. Now you look for a place to sit down all the stuff and realize there are only 2 available places to sit because the couch is covered with a pile of unfolded laundry.

You may be wondering where to start. Set the house on fire? Hold your head in you hands and cry? I know you wish you could be like Marry Poppins and snap your fingers and it would all be cleaned and organized for you, but, sadly there is no easy way out of this one. It's like we tell our kids ... you made the mess, now you have to clean it up.

It may seem like a daunting task, but really it is not that tough of a job. First things first. Stay focused. If at all possible, send the kids to a friend's house or to their room to play so you can work in peace and have no distractions or interruptions.

Next, make a list of all the clutter that is visible to you and prioritize them from most important to least. Where is the majority of the clutter? Where is the least amount? Before you know it you will have much of it cleared. Just put your mind to it and stay on task.

After you're finished with your list, take everything out. Place the items that you no longer desire to keep into large bags or bins for sale, donation, or trash. Then gather all of your cleaning materials. Once the area is clear of clutter, sweep and or vacuum the floor, dust the cabinets or shelving and clean any glass or mirrors.

Clearing the clutter from your home may be a tough practice, but it's a good one. Once you've experienced the wonderful results of an organized, clean and tidy home, you will feel better about spending time in that room, your home and with yourself. Enjoy it because cleaning up the clutter was a job well done!

Using Joint Ventures to Promote Your Salon Or Spa Business

A joint venture is where one service business works in partnership with another so they can both benefit mutually from the other's clients. Joint Venture Marketing is one of the most powerful, effective and inexpensive ways you can use to fill your appointment book.

Here's how it works: You want to build a larger clientele so you look at what other businesses your clients and potential clients go to. The best kind of business to enter into a joint venture with, naturally, is going to be one that complements your own business.

For example, hairdressing clients often get their nails done professionally, have beauty treatments, visit a tanning salon, buy jewelery, get their groceries from somewhere - and on and on.

So why not do a joint promotion with one of these businesses? They have a clientele. You have a clientele. It only makes sense that cross promoting to each other's business will build both client bases!

Finding a joint venture partner I've always found the best businesses to 'joint venture' with are businesses you know and you are comfortable with. Do you, your friends, your staff (or any of their friends) know anyone in these local businesses?

Generally business owners are protective of their clients, and if they do not know you or your business, no matter how attractive you try to make the joint venture for them, they may declare your offer. Or worse, take it on, but only promote it in a half hearted manner. You need to be fussy too. You will be recommending this business to your clients, so you need to make sure you're sending them somewhere you know they will be treated well.

What will you offer? Each business produces a card or leaflet with a special offer or other incentive on it. For example a tanning salon can do a special 'Buy a course of 6 sessions, get 2 sessions Free', a hairdresser can offer half price color on a certain day when it's queter, the beauty salon can offer a free skin analysis - you get the picture.

You can get really creative with this. In the past we have run very successful joint venture promotions with a florist, a photographer, a make-up studio and a financial planner. If I hear any salon professional telling me that they have not gotten enough clients I always recommend this one. It's very inexpensive to do and the rewards are great.

If your salon or spa is quiet at the moment, you are probably sitting there doing nothing. Instead use this quiet time as an opportunity to put a joint venture promotion together with another business. Do this one right and you'll be amazed at the results. Let me know how you get on!

London Business Hotels

With London's global position as one of the most significant cities in the world in terms of business and industry, it's very important that London has a good level of quality accommodations for the many corporate visitors who travel to the capital on business trips through the year. Particularly with the City of London still maintaining its position as the center of World finance, there are an abundance of overseas and domestic visitors requiring the comfort and facilities of first class hotels in the city.

Since the days of the 70s when sometimes the Park Lane Hilton was seen as the place to stay when on a business trip to London, all the major international hotels have build hotels aimed at the business traveler in the city, in fact most hotel chains have numerous properties through the capital (Hilton Hotels now number 34 in total including the airports and the London outskirts!). Holiday Inn, Accor Hotels, Marriott Hotels and Thistle Hotels but to name a few, all have business hotels through London with a high level of comfort and a large range of facilities aimed mainly at the corporate traveler. New players to the London market also boast very good business hotels - H10 for example and the Park Plaza Hotel chain have gone out of their way to provide rooms suited for business people - the Park Plaza Westminster, for example, is an all suite hotel featuring rooms with a small lounge and kitchenette in addition to a generous sized bedroom and fabulous location close to Westminster Bridge. Privately owned up market hotels are also designed with corporate in mind - the Cadogan Hotel near Harrods department store and the Ritz Hotel in London's Piccadilly street both provides not just good facilities and first class quality but also a discerning service for the more upmarket level of clients associated with such grand business hotels.

Rooms in all these types of hotels have the typical facilities you would expect in a room like this, as well as the rooms and suites. power showers (or 'rain' showers). Internet connectivity generally via Wifi is also a must now with more and more hotels finding themselves forced through competition (and negative comments from guests) to providing this service free of charge. The business hotels provide the guests with excellent dining facilities - generally a full English breakfast and a choice of restaurants within the hotel for dinner at surprisingly reasonable prices. After a busy days doing business in the city, sometimes a good rewarding drink is required and the hotels accommodate well with their welcoming cocktail bars which, particularly during the happy hour period from 5 - 7pm, can be the place to be if you're in the right hotel!

Property Asset Management

Property asset management is part of asset management and includes property selection, the implementation of policies and performance standards for the said property, and the proper monitoring of the property's performance to meet the owner's objectives. In order to properly manage one's property assets, several factors are considered prior to acquiring properties.

Since acquiring property requires investing money and finances, asset managers work closely with their clients in planning as to which properties must be acquired. Careful planning that includes brainstorming, comparing the characteristics and prices of the items to be acquired, and checking on their importance to the client in meeting his / her or the company's objectives are done carefully. These steps are taken to ensure that the company is making the most out of their investments, acquiring properties which are not only useful and functional but are also reasonably priced. After proper planning, property procurement coming next. The process of procurement includes ordering the items needed and receiving, checking and making sure that the items ordered are in good working condition.

Property asset management also takes into account the operating costs of the properties that a company has. Operating costs include the daily costs which companies have to shell out for which enable machines and technology to run. Ensuring that machines and technology are in good working condition would maximize productivity and increase the company's earnings.

Property asset management also employs proper financial management. This involves accurate taxes, close depreciation estimates, and other costs. Because of depreciation or in the event of bankruptcy, companies may dispose of properties as well. Once machines and technology are disposed, these are required by law to be removed from the company's asset statements that asset management takes care of.

Property asset management is slowly becoming an efficient tool which enables companies to maximize production as it manages the properties and may be customized to fit the needs and the goals of the companies which they render service to.

Realty Vs Real Estate Vs Real Property

Realty and personal property terms have often been confused as to what they exactly mean. Here we will clear that right up for you. We will look at the terms personal property, realty, land, real estate, and lastly real property.

Let's begin with personal property. Personal property also known as chattel is everything that is not real property. Example couches, TVs things of this nature. Emblements pronounced (M-blee-ments) are things like crops, apples, oranges, and berries. Emblements are also personal property. So when you go to sell your house, flip, or wholesale deal, you sell or transfer ownership by a bill of sale with personal property.

Realty.





Realty is the broad definition for land, real estate, and real property.

Land





Land is everything mother nature gave to us like whats below the ground, above the ground and the airspace. Also called subsurface (underground), surface (the dirt) and airspace. So when you buy land that's what you get, keep in mind our government owns a lot of our air space.

Real Estate





Real estate is defined as land plus its man made improvements added to it. You know things like fences, houses, and driveways. So when you buy real estate this is what you can expect to be getting.

Real property





Real property is land, real estate, and what's call the bundle of rights. The bundle of rights consist of five rights, the right to possess, control, enjoy, exclude, and lastly dispose. So basically you can possess, take control, enjoy, exclude others, and then dispose of your real property as you wish as long as you do not break state and federal laws.

Lastly there are two other types of property we should mention.

Fixture





Fixture is personal property which has been attached realty and by that now is considered real property. So you would ask yourself upon selling to determine value "did you attach it to make it permanent?" The exceptions to this rule are the garage door opener and door key, these are not considered fixtures.

Trade Fixtures





Trade fixtures are those fixtures installed by say a commercial tenant or can be the property of the commercial tenant.

I hope this clears up some misconceptions about personal property, realty, land and real estate and now fixtures and trade fixtures!