Financial Planner, Certified Financial Planner

All our life, we earn and are always consumed with the worries of how to best invest or manage our income. But we seldom succeed due to lack of proper planning knowledge. In absence of this knowledge we use our money sources in an extremely improper way and later find it hard to make both ends meet, let alone the want to save or invest. We must understand that proper channelization of our income is a must for providing for our future needs. But it’s not always possible for us to know all the available options , what we need is help from a financial planner, who is an expert in his field and would not only take us through the month, but would also help us properly invest and channelize our income.

A certified financial planner keeps himself updated with all the current trends, inflation rates and all other factors that can immensely affect your earnings. The financial planner can easily predict if there is going to be any changes in the inflation rates through his knowledge and experience as these reduce your spending capacity. The inflation rates when high denotes more money chasing fewer goods or say the value of money reduces. A financial planner has the farsightedness to make you aware of such fluctuations and help you plan your money in a way that you are least affected by any changes in the money market.

A financial planner or rather say a certified financial planner, not only helps us manage our income is an expert way but also explains the various details so as to why each step is being taken and what will be the consequences of planning your income in a certain manner; after all its your money they are dealing with.

A certified financial planner also helps you plan the various events in your life such as ensuring adequate saving as a part of your retirement plan. They help you plan insurance out of the definite income you have and also guide you through the nuances of dealing in the matters of income tax management so that you can smartly manage and allocate your income in a way that you get maximum relief from income tax payment.

A certified financial planner, in short brings all the loose pieces together concerning your money management. They bind each end together in a way that you end up profiting probably from wherever you put your money.

Home Loan in Delhi, Loan for Business

We work for our betterment. We move ahead to excel in life and we struggle to achieve something that makes our life easy and rewarding. Once we move ahead in life with those dreams in our eyes to soar and to touch the sky, no obstacle should be colossal enough to be able to break our speed and shatter our dreams in an ugly way.

What we always need to turn our dreams into reality is, adequate and enough money that can be wisely invested. We were not all born fortunate and rather say with a golden spoon in our mouths, but that should never be the reason that can stop us from striving and achieving what we want and finally making it big one day. The solution to overcome this dearth of money is loan for business.

Starting or expanding a business requires a lot of money that can be easily gained through the loan for business that can be easily repaid when due, or on previously decided time period. Overall, the loan for business provides you with a convenience and grants you with the power of money that can change the permutation and combinations of your destiny in your favour.

The other important thing in life is a dwelling which you can call yours; where you can be yourself and live happily with your loved ones and spend quality time with them. Again, in the dearth of adequate money your dreams should not be shattered, you should not be left with that pang in your heart that you are unable to provide for your loved ones and let them have their own home. If living in Delhi, this dream ceases to be easy due to soaring property prices that can break your back easily. The solution to this is inquiring about Home loan in Delhi.

You just need to choose a property that best suits your needs and rest can be taken care of by the Home loan in Delhi providers who will make sure of all details that will be required in your being accessible to the amount required.Home loans Delhi are the best way out of the sticky situation that leaves you helpless in dearth of money.
Whether it is Home Loans Delhi or Loan for business, choose carefully a loan provider who, keeps your best of interests in mind and is not just interested in profiteering on your cost.

NYC Bookkeepers Helping Small Businesses Relieve Accounting Burden

A small business owner has so many things to worry about when they’re starting their new company. Most want to focus on their business and not on dry subjects like taxes and financial preparation. Even those that do can simply assume that NYC bookkeepers are interchangeable and that can lead to problems. But with many well run companies out there, all of which are battling for the same customers, it’s critical to get the small details right. In the very competitive, tri-state area this is even more of an important issue when dealing with astronomical start-up costs.

The importance of good tax preparation by experience NYC bookkeepers can be explained by the fact that new businesses see more audits and higher tax rates because they’re more likely to make simple mistakes. Having competent representation can truly be the difference between a business that can keep its head above water and one that thrives. For that reason, having a good NYC bookkeeper that has experience working with similar businesses is a necessity because there a lot of unique issues faced by new businesses that existing companies don’t always have to deal with.

One problem that a lot of people find is that they choose to work with a friend or family member who is a bookkeeper even if they aren’t the best fit for what they are doing. Finding a good bookkeeper in NYC is extremely difficult and it’s rare that someone’s cousin or uncle is that good fit. While hurting the egos of family members can be hard, having the wrong bookkeeper that leads to a tax audit can be much harder.

Aside from working with family members, it’s also very easy to get seduced by bookkeepers that have really low fees, but may not have the best fit overall. It’s important to only work with accounting firms that have a good deal of experience because saving a couple bucks is not worth a bigger tax bill on the back end. A bookkeeper must be evaluated like any long-term relationship and one or two small points can’t be the sole determining factor. It is recommended that people find bookkeepers that have at least many years of experience to help with start ups. Working with start-ups is important because working with new business owners can be different and present more problems for an unprepared accountant.

Finding a good reference for a bookkeeper can save a lot of headaches down the road. A reference from a company within a similar industry or can be doubly important. Obviously different industries have different needs, so what may work for a Fortune 500 company may not work for a two man operation. The best bookkeepers in NYC can provide a very valuable service to their clients, but no two clients are the same so a good bookkeeper for one may not be for another. They can often be the difference between success and failure during the most difficult first year. So it’s not a decision that should be taken lightly or made cavalierly.


The BEST way to manage your finances is to construct a REALISTIC budget. A budget can be used to determine your actual savings, anticipate future investments and other financial plan therefore EVERYONE should try and prepare a budget because it is a true guide on how to spend your MONEY.

In today’s world most of our societies are financial slaves to satisfying there WANTS instead of their NEEDS. People are so easily distracted by newest technology, apparels, fashion trends, high profile lifestyles and entertainment that they forget ALL about their NEEDS. Whenever your wants exceeds your needs then you will find yourself in a financial CRISIS. Never put your hat where you cannot reach it. Sadly this is happening all around us; its no wonder why there are so many financial crimes especially white collar crimes being committed in our privately owned financial institutions and government run institution alike.

Most people fail to plan therefore they plan to fail. Most persons who are considered RICH were not born that way at first, surprisingly they had to struggle to make ends meet with strong determination and a prayer in order to keep their faith alive with a clear vision of their goal for ahead. Later on they call on these same values to promote themselves to a much higher level in life. Don’t forget that GOD must be at the center of it all.

People don’t allow ADVERTISEMENTS, PARTIES, APPARELS, GAMING, CREDIT CARDS, EXPENSIVE FRIENDS, etc. to cram your best judgment on how to live your life, remember that when your money is finished then you will find that you were always ALONE. When you are broke all but your true friend will dessert you.

Most men are pound wise and penny foolish that’s why most men are always broke. They believe in the BIG money and NOT the SMALL ones. In other word they only knows how to spend the big money they do not know how to spend the small money. On the other hand women in the past weren’t used to getting big monies so they could only budget smaller amounts, but it make them into excellent savers and money spenders.

Most women are hardly ever broke because they don’t have to worry about getting big monies they know how to spend the little that they have. There is a saying that goes like this, ” It is not how much that you earn but it is want you do with it that count”.

Most banks are extremely wealthy from only the coins which they receive as interest and not from the big paper notes that they lend. The same can be said with stocks and bonds. If you knew how to manage your coins you would never have to spend your dollars.

Presently, most countries are spending more than what they can afford to all because of this so call technological advancement era that sends the world now into a financial frenzy for no reason. Every country now wants to out do each other and in doing so, they are seriously destroying much needed resources for its own survival. It like cutting off your nose to spite your face. LEADERS you need to WAKE UP. Let us reason, If your country cannot afford a certain type of much needed technology then you will have to either pray about it , work towards it, ask for a donation or device an income generating project in order to acquire it. They do not have to accept bribes or meddle into corrupt practices in order to acquire it. It just share nonsense. Is it worth it, while your people suffer.

The great King Salomon once said and I quote, ” A leader that accepts bribes will be overthrown but a leader that stands up for law and order will be established”. A virtuous woman once told me that , she could have gone astray like all those other women; by their own selfish lust have committed all manner of sex crimes against their marriage vow, all in the name of VANITY. She however beg to differ because she went on saying that the reason why her marriage is still strong and prosperous is because she learn how to SATISFY with the little that her husband gave her. She actually multiplied it and in turn gave back some of what she was given.

Women you must learn to satisfy with the little that you have been given and try and multiply it that you can give a little to someone else in return and Men you should try to be more penny wise and more pound foolish.