Month: June 2018

Plan A Comfortable Future With Financial Planning

Financial blogger

Boca Raton is known for having a population of high average income and net worth. So does that mean that people of Boca Raton do not need financial planning? Certainly they do! Financial planning is not all about making big money, rather it is about making sure that your future will be financially comfortable and as per your goals and objectives.

At some level or the other, we all do financial planning. However, what remains to be seen is how efficient or effective our financial planning is and whether or not we have time to concentrate on our financial planning. Finance, is a world of great uncertainties and risk. It requires a high degree of knowledge and information about how finance sector works and few of us are actually trained to comprehend it. So it is better to let a Boca Raton Financial planner do the financial planning for you.

Financial planning stages

Calculating your worth
Establishing financial goals for future
Evaluating risks involved
Creating strategies to avoid investment risks
Make investments and monitor performance

What is your net worth?

The first step of financial planning Boca Raton is to evaluate your present financial status. It involves calculating the net worth of all your assets and analyzing all your cash flows. Analyzing cash flow means, calculating your net income sources and your total spending. Your net worth is the difference between your total assets and total liabilities.

What are your financial goals for future?

Once your net worth has been found out, the next task of the Financial planning Boca Raton is to establish your financial goals for future. This decision is dependent upon a number of factors like:

When do you plan to retire?
How will your income fluctuate in future?
What will be effect of Taxes and inflation on income?
How much income can you set aside per month/year?
How much do you want to spend per month after retirement?

Preparing a financial plan

Based upon your present worth, your cash flows in future and your long term financial goals, a Boca Raton Financial advisor can prepare a financial plan for you. It involves categorizing the future goals into various segments which can be individually managed. These categories are:-

Cash flow analysis
Investment strategy
Risk management
Estate planning
Retirement planning
Tax planning

Cash flow planning The basic and fundamental financial planning function is to analyze a persons present cash flows and take necessary steps to improve the cash flow stability and not let spending takeover earnings at any stage and lead to a situation of debt trap. A Boca Raton financial advisor can prevent your wasteful spending like high taxes, interest on borrowings like credit card etc and increase your cash flow by simple tricks like lowering EMIs or creating new sources of income like income from investments. Your financial planner also arranges cheapest possible borrowings for you if and when required.

Investment strategy A Boca Raton financial planner can create investment strategies which will add to your capital. Investment strategies depend upon your risk capabilities and funds flexibility. If you have greater liquidity and you are young, your financial planner can invest in short term high return investments like stocks and derivatives but if you are close to your retirement then investments are low risk based like government bonds or real estate. Usually low risk investments will give low ROI. A diligent financial planner can use investment tactics like hedging and arbitrage to minimize risks on your investments.

Estate planning Your estate is part of your net worth. To manage your estate is also a crucial part of estate planning attorney boca raton. Your estate includes your real estate, your wealth, financial assets etc. A financial planner protects your estate assets against any liability claims or legal suits by attaching them to Trusts or transferring the title to some other nominee while continuing to own the assets rights. The estate planning aspect of Boca Raton financial planning involves protection of your estate while you live and passing on the estate to nominated beneficiaries as per the prepared estate plan, Wills or Trusts.

Retirement planning

This is the most crucial component of Boca Raton financial planning. As long as you are young, you can survive a bad financial situation and work hard to come out of it. But at old age, it will not be possible to make amends to a bad financial planning. So your financial plannings real acid test is how effectively it helps you out in your post-retirement age. Retirement plan involves creating effective pension plans, income plans, contingency funds, healthcare insurance and special purpose funds etc apart from good amount of bank savings and low taxes.

Tax Planning

Tax planning is the ability to minimize taxes on income or assets by availing maximum benefits of tax exemptions, rebates, deductions etc. As money saved is money earned, tax saved by smart Boca Raton financial planning is equivalent to a source of cash flow. For individuals with high net worth and high incomes, this can mean saving a lot of funds. Tax planning is not tax evasion. It is only optimizing the benefits given by government or a tax authority to reduce the net tax payables. For example you can reduce your taxable income by contributing up to $17,500 yearly if you are younger than 50 years of age and $22,000 yearly if you are above 50 years of age, into 401 (k) retirement saving plan or into Roth 401(k) retirement plan. 401(K) plan will be taxable after retirement but Roth 401 (k) income wont be taxable. Another tax saving option is depositing up to $5,500 annually into IRA (Individual Retirement Account).

Plan a risk-free future!

With Financial planning Boca Raton you can plan for a very secured financial future where you live an affluent or comfortable life as per your preset financial goals. Absence of financial planning is bound to lead to financial bottlenecks and borrowings leading to debt traps or reduction of net worth.

Boca Raton Financial advisors work diligently with highest fiduciary standards to assist their clients in preserving and growing their net worth and assets and also help them plan their financial goals and achieve them. Boca Raton financial advisors normally charge flat fees for their services though they may charge their fees as a percentage of volume of finances handled.

Linc Energy Limited (lncgy) – Financial And Strategic Swot Analysis Review

Financial blogger

July, 16, 2014 : Company Profiles and Conferences presents a Company Report on “Linc Energy Limited (LNCGY) – Financial and Strategic SWOT Analysis Review”, who helps you formulate strategies that augment your business by enabling you to understand your partners, customers and competitors better.

Linc Energy Limited (LNCGY) – Financial and Strategic SWOT Analysis Review provides you an in-depth strategic SWOT analysis of the companys businesses and operations. The profile has been compiled by GlobalData to bring to you a clear and an unbiased view of the companys key strengths and weaknesses and the potential opportunities and threats. The profile helps you formulate strategies that augment your business by enabling you to understand your partners, customers and competitors better.

The profile contains critical company information including:

– Business description A detailed description of the companys operations and business divisions.
– Corporate strategy Analysts summarization of the companys business strategy.
– SWOT Analysis A detailed analysis of the companys strengths, weakness, opportunities and threats.
– Company history Progression of key events associated with the company.
– Major products and services A list of major products, services and brands of the company.
– Key competitors A list of key competitors to the company.
– Key employees A list of the key executives of the company.
– Executive biographies A brief summary of the executives employment history.
– Key operational heads A list of personnel heading key departments/functions.
– Important locations and subsidiaries A list and contact details of key locations and subsidiaries of the company.
– Detailed financial ratios for the past five years The latest financial ratios derived from the annual financial statements published by the company with 5 years history.
– Interim ratios for the last five interim periods The latest financial ratios derived from the quarterly/semi-annual financial statements published by the company for 5 interims history.

Highlights

Linc Energy Limited (Linc Energy) is a diversified energy group, with focus on oil and gas; coal, and clean energy. It employs Enhanced Oil Recovery (EOR), Underground Coal Gasification (UCG), Fischer-Tropsch and Gas-to-Liquids (GTL) technology across its portfolio of oil, gas and coal assets. The group has constructed and commissioned a UCG to GTL demonstration facility for the production of synthetic diesel fuel, in Queensland, Australia. Besides, it owns and operates a UCG facility in Yerostigaz, Uzbekistan. It has offices in the US, the UK, and Australia. Linc Energy is headquartered in Brisbane, Australia

Fiinovation (Innovative Financial Advisors Pvt Ltd) Nuclear Energy Safe and Cheap

Financial blogger

Is nuclear energy safe is a question mostly asked by people of the developing nations and the answer to that is yes. Apart from small instances and the Fukushima incident in Japan there are no major mishaps that have occurred in the pursuit of nuclear energy for electricity generation which began soon after the discovery in the early 20th century that radioactive elements, such as radium, released immense amounts of energy, according to the principle of mass-energy equivalence. The Fukushima incident in Japan made mankind give a rethink on nuclear power and countries like Italy banned nuclear energy and Germany wants to close down all plants by 2022. Nuclear energy is much safer than other sources of energy especially when we compare with air pollution from coal, the largest supplier of electricity in India and the most dirtiest energy resource claims lives of more 1 lakh every year with almost 30 million people suffering from chronic bronchitis, chest discomforts and asthma attacks. However, nuclear energy which not only saves hydro and renewables but also doesn’t contribute to man-made climate change. >

Till today nuclear energy supplies are about 13% of global electricity and dozens of new reactors are being built in big economies like China, India and Russia. While US and much of the Developed world is in retreat with nuclear energy with new reactors not being developed or are in hold and the old ones are being retired. There is clear role of radioactivity and fear of nuclear accidents for the decline in demand of nuclear energy. The cost is even a bigger factor as the present nuclear reactors that produce inexpensive electricity get stalled due to billions of dollars going over budget in the construction if new plants forcing some utilities to abandon projects in midconstruction. Nuclear plants which have been made with designs from the cold war era actually become more expensive as they scale up. Larger plants require bigger and stronger containment domes that used expensive concrete and steel. Most of the plants outside France is not standardized which meant every reactor was produced made to order. In Fukushima meltdown no one was killed by the cost of accident was $100 billion and you have very expensive way to produce electricity. Cheap natural gas use in US and renewables preferred in much of Europe nuclear remain in decline in the first world countries until it gets cheaper.

However the question remains that can nuclear energy is cheap? Answer to that is yes it can be cheap after the development of entirely new reactor designs which can employ modular, mass-produced components with inherent safety characteristics that eliminate the need for the expensive backup systems that have helped inflate the costs of new plants in the past. Reactors with passive safety systems are likely to much cheaper as well as safer as there is no need to worry if power couldn’t be restored to the plant quickly in the event of disaster.

For more information visit: fiinovation

M&g Poliester Sa (rhds3) – Financial And Strategic Swot Analysis Review

Financial blogger

May, 22, 2014 : Company Profiles and Conferences presents a Company Report on “M&G Poliester SA (RHDS3) – Financial and Strategic SWOT Analysis Review”, who helps you formulate strategies that augment your business by enabling you to understand your partners, customers and competitors better.

Summary

M&G Poliester SA (M&G Poliester), formerly Rhodia – Ster SA, is a Brazil-based chemical manufacturing company. It is a part of Mossi & Ghisolfi Group. The company carries out the developing, manufacturing, and selling of a variety of polyester fibers for the textile industry and resins for polyethylene terephthalate (PET) packaging. The polyester fibers produced by the company are used in pillows, toys, upholstered furniture and cushions. The company manufactures polymers that are used in several applications such as engineering plastics and non-textile films. M&G Poliester operates through two division, namely, Resins for Pet Packaging and and Fibers for the textile industry. The company operates its PET Packaging resin division through two major brands, namely, Cleartuf Max and Cleartuf Turbo. M&G Poliester is headquartered in Sao Paulo, Brazil.

This comprehensive SWOT profile of M&G Poliester SA provides you an in-depth strategic analysis of the companys businesses and operations. The profile is bring to you a clear and an unbiased view of the companys key strengths and weaknesses and the potential opportunities and threats. The profile helps you formulate strategies that augment your business by enabling you to understand your partners, customers and competitors better.

This company report forms is the part of Profile on Demand service, covering over 50,000 of the worlds leading companies. Once purchased the highly qualified team of company analysts will comprehensively research and author a full financial and strategic analysis of M&G Poliester SA including a detailed SWOT analysis, and deliver this direct to you in pdf format within two business days. (excluding weekends).

The profile contains critical company information including,

– Business description A detailed description of the companys operations and business divisions.
– Corporate strategy Analysts summarization of the companys business strategy.
– SWOT Analysis A detailed analysis of the companys strengths, weakness, opportunities and threats.
– Company history Progression of key events associated with the company.
– Major products and services A list of major products, services and brands of the company.
– Key competitors A list of key competitors to the company.
– Key employees A list of the key executives of the company.
– Executive biographies A brief summary of the executives employment history.
– Key operational heads A list of personnel heading key departments/functions.
– Important locations and subsidiaries A list and contact details of key locations and subsidiaries of the company.
– Detailed financial ratios for the past five years The latest financial ratios derived from the annual financial statements published by the company with 5 years history.
– Interim ratios for the last five interim periods The latest financial ratios derived from the quarterly/semi-annual financial statements published by the company for 5 interims history.

Key benefits of buying this profile include,

You get detailed information about the company and its operations to identify potential customers and suppliers.
– The profile analyzes the companys business structure, operations, major products and services, prospects, locations and subsidiaries, key executives and their biographies and key competitors.

Understand and respond to your competitors business structure and strategies, and capitalize on their weaknesses. Stay up to date on the major developments affecting the company.
– The companys core strengths and weaknesses and areas of development or decline are analyzed and presented in the profile objectively. Recent developments in the company covered in the profile help you track important events.

Equip yourself with information that enables you to sharpen your strategies and transform your operations profitably.
– Opportunities that the company can explore and exploit are sized up and its growth potential assessed in the profile. Competitive and/or technological threats are highlighted.

Scout for potential investments and acquisition targets, with detailed insight into the companies strategic, financial and operational performance.
– Financial ratio presented for major public companies in the profile include the revenue trends, profitability, growth, margins and returns, liquidity and leverage, financial position and efficiency ratios.

Gain key insights into the company for academic or business research.
– Key elements such as SWOT analysis, corporate strategy and financial ratios and charts are incorporated in the profile to assist your academic or business research needs.

Brain Entrainment What’s Your Financial Thermostat

Financial blogger

Before you start brain entrainment, the neural reconditioning process designed to program your brain with the right information, there are two systems you must master and command if you truly want to achieve business success.

One is called your psycho-cybernetic trigger or mechanism and the other is known as you reticular activation system. Both are critical to your financial success.

Let’s start with your psycho-cybernetic trigger. Let’s assume you have your thermostat at home set to a comfortable 70 degrees. Now, if someone was to open the door and very cold air came in, your thermostat sensor would pick up a deviation from the 70-degree setting and it would send a message via the electrical system to the furnace and command it to turn up the heat right?

The opposite would be true if hotter air came in, and the temperature got unbearably hot. The air conditioning would kick in because of the same process.

You and I have a cybernetic trigger mechanism that does exactly the same thing as the thermostat and furnace. ANY deviation from your current income level plus or minus a few grand, will cause your internal system to force you to revert back to your current-Financial Comfort Zone.

It’s not what you want, but it’s what the system is conditioned to expect and accept whether you like it or not! It happens faster than your electrical system at home.

Just as you have a better month or week, you’ll start to make excuses, you’ll sleep in, you’ll start to rationalize why you can’t or why you don’t want to do this or that.

This all happens at a non-conscious level behind the surface, and it will ALWAYS win unless you recondition your mind at the right level and set up the right neurological systems so they work for you, not against you. It’s the self-talk that never ends that can be your best friend or your worst nightmare.

The next system makes Google’s search engine seem slow like molasses. It’s an incredible part of you that is pure magic. It’s called your reticular activation system.

Think of how Google’s search engines search the Internet for whatever you ask it to. You enter a subject, a name, a topic and wham in seconds you have hundreds if not thousands of options to choose from on the topic you entered.

Well, that’s pretty impressive right? I don’t think so.

Your reticular activation system is a network-like group of non-conscious brain cells that that can pick up the information you want and need at speeds that are 800 times faster that what you can consciously see or hear. These non-conscious impulses travel at over 100,000 mph. That is mind-boggling!

You have more than 100 billion brain cells and these in particular, can be trained to do work for you like a slave, 24/7 without you even knowing about it. Once they know what you deem important, your non-conscious will send you a message to look left or to pick up on a conversation someone 20 feet away is having about the thing that’s important to you. We’re not talking science fiction here, we are talking about the latest and greatest brain research.

When you learn how to “upload” your “most important goals and desires” into this part of your brain, get out of the way and watch what it finds for you and how fast. It will absolutely amaze you how this works and you’ll wonder why they don’t teach this to every human alive. Very few people have really studied this whole neurological process and its effects until recently.

That is why I created my Neural Reconditioning Process. It works on the very areas of the brain that require true understanding and immediate retraining. Some people are “programmed” or “conditioned” with great information while they are growing up and they are what we call “unconsciously competent”.They do not know why they do what they do or why they get their results. They just do it.
I on the other hand, had to go from being

“consciously incompetent” (didn’t know what I didn’t know) to

“consciously competent” (trying hard) to

unconsciously being competent at making money. (it’s now part of my nature)

If you want to master success in your business and financial life, it all begins with brain entrainment and the neural reconditioning process. To learn more, go to the product section and pick up the Having it All CD program. It will change your life.