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.

Early Childhood Education Course for Teachers

Early childhood education is a concept that has been applied very effectively to children below the usual school age. It is based on the belief that children will learn through play, which is why the basics are integrated into play and taught to the children. The developer, Jean Piaget, believed those young children and even older ones learn more efficiently effectively through fun and play. Several activities are especially effective such as art, social games and dramatic play. These are supposed to awaken the interest and curiosity of the child and invoke the tendency for make believe and social thinking.

Teachers

Teachers who are educated and trained in early childhood education handle classes in preschool, which includes nursery and kindergarten classes. Children who attend these classes are usually around the ages of three to six years old. Parents are encouraged to be active teachers for their kids as well since they are considered to the first ones to teach while they are still at home. For the most part, some daycare centers recognize the need to integrate the basic lessons to the kids that they care for during the duration of their stay. Such is the importance of educational toys and an educational background for the caregiver. Teachers are taught, educated and trained to recognize the various ways and techniques that will capture the interest and curiosity of a child in order for him or her to want to learn more about the different toys and tools that are utilized. In many universities and schools, this course may reach up to the standard four year course for those teachers but in some, early childhood education may just take a couple of years to learn. Since this is a specialized course, administrators of schools that offer this to young children prefer their teachers to have a full educational background on preschool or elementary as well as have the requisite additional course.

The reality of it is that most of the toys and tools used for early childhood education can be common things that can be seen in the house or replicas of these. This actually encourages the kids to view things in the house in a different way as well as to make them familiar with these things and their uses in everyday life. Make believe and the use of their active imagination is highly encouraged in order for kids to be able to think out of the box and expand their minds and imaginations. Although there is no formal education for this course, some schools and daycare centers integrate formal lessons with play in order to give their children a leg up before they enter nursery or kindergarten. Parents are encouraged to make learning as much fun as they can without the pressure of formal teaching.

This is part of the background for early childhood education. It has become a trend for daycare centers and other places that take care of younger children to integrate basic lessons in their playtime and other activities in order to help kids learn early on.

Gift Ideas For the Many Summer Events

Although the summer is the best time of the year, it is also the most expensive time of the year between Christmas. There are weddings, bridal showers, graduations, Mother's Day, Father's Day, and other national holidays to celebrate. This means that you are not only forking out a lot of money for gifts, but you are also coming up with gift ideas that will be meaningful and thoughtful for the people receiving them. However, if you have all of these types of events to go to, you do not want to stress yourself out and ruin your summer with trying to come up with ideas. Here are just a few simple ideas that anyone would love to receive for their special day or holiday.

A beautiful flower bouquet is always a kind gesture for any occasion. If you need to go to a bridal shower, but have no idea what to get that bride to be, then get her a beautiful bouquet of flowers to brighten her home and her day. Flowers are also great gifts for Mom on Mother's Day, so think about sending her or handing her a beautiful arrangement of her favorite flowers to make her feel extra special.

If time is running short and you need a gift for the new happy couple at their wedding, then just giving some money will definitely please them. Money is a great gift because you do not really have to wrap it, and everyone loves receiving it. It's also a great gift idea for the new graduate. So, do not stress yourself out, and just go buy a card and fill it with money for one of the best gifts out there.

Gardening Ideas That Can Be Useful To Start

Herb Gardening For Beginners

The kits usually come with a variety of seedlings, a dome for greenhouse, pot for the herbs, peat moss and soil combination, and fertilizers. Each kit comes with step-by-step instructions on how to plant which herbs, and how to care for them from day 1 and onwards.

Nonetheless, for individuals who are bold enough to try the outdoor gardening, there are resources which provide helpful instructions on how to get started. Depending on the type of herbs cultured, there are varieties that are best suited for a particular purpose and require specific needs.

Herbs that grow for tea, mint herbs are among the easily planted in shady areas. Some of the best mint teas are peppermint, spearmint, and orange mint. They are best grown in pots as they tend to overpower other plants when grown on open beds.

For herbs grow for decorative purposes, among the best picks are the chamomile and wild thyme. They best thrive when planed between paving stones as their discharged leaves will leave fragrance on them.

There are also herbs that are specifically grown to attract bees. A few of these herbs are the sweet marjoram, bergamot and catmint.

Articles and discussions posted on the web also serve a good source of information on herb gardening for beginners. These community sites share information and anyone can post a question, then a lot will respond.

It can be done indoor. Since they require sunlight, they should be placed on windowsill. Hanging herb gardens are also a nice alternative especially if the plants planted are fragrant.

Chia Herb Garden

Not everyone is endowed with a gift of a green thumb. Worse, not all of us have outdoor space from which a garden can be built. But no need to fret; with the innovation of technology, one is possible to grow herbs right at the comfort of one's home. And if anyone has not tried to grow any plants at all, there is no need to worry as well. The Chia Herb Garden is exactly what everyone should need.

The Chia Herb garden is a starter's kit for everyone who sports all colors of a thumb. The kit comes with everything needed in order to grow healthily a variety of herbs-4 3-inch terra-cotta pots with 4 matching saucers and 4 matching plastic saucer liners, 4 Chia growing sponges, 6 plant marks, and 6 varieties of herbs namely Dill, Sweet Basil, Curled Parsley, Chives, Cilantro and Sweet Marjoram.

Some Chia Herb Garden kits only have 3 terra-cotta pots, but the number of herb seedling remains the same. This concept is to allow gardeners to choose which seedlings they would like to use and grow. If they decide to grow all 6, then the gardener will simply order additional terra-cotta pots.

The Chia sponges-especially made from peat moss, bark and sponge material-make it easier for everyone to germinate and grow plants from seeds. It is also quicker than the conventional methods of seed germination. The sponges are super absorbent and designed for better retention of moisture and air.

Of course, the Chia Herb Garden kits are not complete without a booklet of instructions, recipes and helpful tips on growing herb gardens. Many who have outdoor gardens take advantage of the Chia Herb Garden to grow herbs quickly from seed germination. When the herbs have reached a specific growth, they are transplanted outside.