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A certified financial planner seems like something to assist wealthy people in keeping track of their significant incomes, extensive investments, and multiple bank accounts. That’s not the case, however. If you’ve got debt, if you’re saving for retirement or if you only have general questions on your finances, you would possibly consider a certified financial planner.

Your CFP­ will study your income, taxes, investments, debts, and every one the other elements of your financial picture. From there, you’ll find out the way to achieve your goals. Your CFP will be there every step of the way to assist you in identifying your goals, find and evaluate financial strategies, and come up with a plan. After you start, your certified financial planner will check in with you frequently to assist you to stay track.

All financial planners aren’t created equal, however. Anybody can say that he or she is a financial planner. But a licensed Financial Planner (CFP) is a formal recognition of experience within the areas of financial planning, taxes, insurance, estate planning, and retirement (such as 401ks). Owned and awarded by the Certified Financial Planner Board of Standards, Inc., the designation is awarded to individuals who complete the CFP Board’s initial exams, then continue ongoing annual education programs to sustain their skills and certification.

Earning the certified financial planner designation involves meeting requirements in four areas: formal education, performance on the CFP exam, relevant work experience, and demonstrated professional ethics.

The education requirements comprise two major components. The candidate must verify that he or she holds a bachelor’s or higher degree from an accredited university or college recognized by the U.S. Department of Education. Second, he or she must complete a list of specific courses in financial planning, as specified by the CFP Board. Much of this second requirement is usually waived if the candidate holds specific accepted commercial designations, like CFA, or CPA, or has a higher degree in business, like an MBA.

The CFP exam comprises 170 multiple-choice questions that encompass over 100 topics associated with financial planning. The scope includes professional conduct and regulations, financial planning principles, education planning, risk management, insurance, investments, tax planning, retirement planning, and estate planning. The varied topic areas are weighted, and therefore the most up-to-date weighting is accessible on the CFP Board website. Further questions test the candidate’s expertise in establishing client-planner relationships and gathering relevant information. Their ability to analyze, develop, communicate, implement, and monitor the recommendations they make to their clients.

As for the professional experience, candidates must prove they have a minimum of three years (or 6,000 hours) of full-time professional experience within the industry, or two years (4,000 hours) in an apprenticeship role, which is then subject to further individualized requirements.

Lastly, candidates and CFP holders must adhere to the CFP Board’s standards of professional conduct. They have to also regularly disclose information about their involvement during a variety of areas, like criminal activity, inquiries by government agencies, bankruptcies, customer complaints, or terminations by employers. The CFP Board also conducts an in-depth background check on all candidates before granting the certification.

Even successful completion of the above steps doesn’t guarantee receipt of the CFP designation. The CFP Board has final discretion on whether or not to award the designation to an individual.…

Choosing the right office chair might be more important than you think. The wrong office chair could cause lower back pain and even injury over time. The right office chair, however, can ensure that you stay comfortable and productive all day. Here are a few things to keep in mind when you head to your favorite Indianapolis office furniture store to find a new office chair.

Proper Lumbar Support Is Key

Poor lumbar support can put unnecessary stress on your spine. A good office chair should have enough lower back support to conform to the curve of your spine. This will encourage appropriate posture and keep your lower back from hurting after a long day at the office.

You Should Be Able To Easily Adjust the Height and Backrest

A suitable office chair will have levers that allow you to adjust the height of the chair and the angle of the backrest. Modify the height of the chair until you can sit close to your desk with your lower arms flat on the top of the desk. Also, your feet should be flat on the floor, and your knees should not be angled upward or downward.

The backrest needs to be adjustable as well so that you are not leaning too far forward or backward while you work.

Choose the Right Chair for Your Height

When you sit in your office chair, there should be a few inches between the chair and the back of your knees, and you need to be able to sit all the way back in the chair against the backrest.

You need an office chair that allows you to be comfortable all day. Keep your lower back pain-free by selecting a chair that you can adjust to fit you and only you. Your spine will thank you for it!…

A house is the largest single purchase most people will make in their lifetime. Few people have the cash on hand to purchase a home without some type of financing. Consider these three types of financing for your next home purchase.

1. Fixed-rate Mortgage

A fixed mortgage from a mortgage lender Hoboken NJ is the most commonly used financing option for home purchases. These loans are usually for a term of 15 or 30 years. The interest rate and payment stay the same for the life of the loan.

This option is a good choice for people who prefer to know what their payment will be for the lifetime of the loan and do not plan to sell in the near future. These loans usually require a down payment, so they are best suited to buyers who have sufficient cash on hand.

2. Adjustable-rate Mortgage

The main benefit of an adjustable-rate mortgage is that the interest rate is usually lower than what you would get with a fixed-rate loan. However, the tradeoff is that the interest rate can go up, resulting in higher mortgage payments over time. The initial interest rate is usually locked in for five or 10 years, after that the rates can change.

This option is best suited for people with lower credit scores, because they usually can not get favorable rates, if they can get approved at all, on a fixed-rate loan. It is also a good option for people who plan to sell their home before the initial fixed interest rate period expires.

3. FHA Loan

The main draw of an FHA loan is that it requires as little as a 3.5% downpayment. This makes an FHA loan an attractive option for buyers with little money to put down.

There are many financing options available for home buyers. A mortgage professional in your area should be able to help you pick the best one for your needs.…

Some ladies shy away from carrying a concealed handgun because they don’t want to have a bulky holster strapped around their chest or waist. However, there are some great choices in CCW that are designed to appeal to ladies. If you aren’t familiar with the carry options available now, you may be pleasantly surprised at how many choices women have for discreetly carrying a concealed weapon.

1. Think Below the Waist

Why not take a cue from the guys and think below the waist when deciding how to carry your handgun?  A concealed thigh holster offers a very private concealed carry option, placing your firearm where no one will think to look. Of course, shorts and above-the-knee skirts make this less than concealed, so be careful what outfit you choose to wear a thigh holster with.

2. Add an Accessory

The right accessory can make your look, and help keep you safe in a dangerous situation. No matter the occasion, you can find a suitable CCW accessory to meet your needs. A few examples include:

• Purses
• Backpack
• Briefcases and laptop bags

3. Reach for Your Toes

While an ankle holster won’t have you quite stretching for your toes, it can give you an easy and comfortable way to carry a smaller handgun. Keep in mind that you will need to have appropriate pants to disguise the bulge at your ankle and that boots will negate this option.

4. Use Your Cleavage

Ladies, you have a distinct advantage on this one. Women are increasingly using their cleavage as a discreet place to hide a handgun. Don’t just stuff it inside your bra, however, since that can be both unsafe and uncomfortable. An in-bra holster lets you safely tuck a firearm where no one should be looking.

Carrying a concealed handgun can add to your confidence and feeling of safety. Whether you choose to use an accessory or you opt for an ankle, thigh or bra holster, always follow proper firearm safety guidelines when carrying.…

Delivery-based businesses thrive by meeting customer expectations. Orders that arrive on time in good condition reflect positively on an operation and lead to more business. Here are five tips to drive up delivery efficiency.

1. Plan a Route

Planning is essential for timely delivery. Supervisors and drivers should factor in the location of a business relative to each customer. Advances in mapping technology have transformed the route planning process by providing real-time data about potential slowdowns such as road hazards and high traffic.

2. Sort Delivery Orders

Preparing orders also calls for planning. An organized system at a delivery-based business can help to ensure that orders are kept track of from the business location to vehicles and end up at the destination on time and in good condition. Automation with operational management software can also be beneficial at this stage.

3. Use Route Software

Routing software facilitates every aspect of making deliveries, from selecting the best route to maximizing fuel efficiency. Industry-specific solutions such as dry cleaning route software can be integrated with a point-of-sale system.

4. Carry Contact Information

Open lines of communication between a dry cleaning business and customers can be beneficial. An integrated platform with customer and order data can make it easy to provide order status notifications and enable customers to call, text or email about orders.

5. Provide Receipts

The best delivery services provide customers with physical or digital receipts and maintain detailed records for all deliveries and transactions. A business may want to invest in a management system with robust point of sale software to integrate customer data and financial records.

All of these measures can make deliveries more efficient. Delivery driver performance depends on an organized base of operations. Business owners should consider using innovative software solutions to empower drivers to make timely deliveries.…

One thing that can dictate the success of small businesses is search engine optimization (SEO). Even though a small business owner has a day packed to the brim, they should try as much as possible to prioritize this. Most of them even believe that investing in paid advertising is better than having customers access their business through organic links. Contrary to this, statistics show that the customers are nine times more likely to obtain information about a company through an organic link than following the paid advertisement. For this reason, the business owner should set up a strategy that will ensure that the business ranks well even when competing with much larger businesses.

For one to benefit from SEO, they do not have to invest heavily, just a simple strategy and they are good to go. Here are some of the tips and tactics that one can adopt.

Researching on keywords

The entrepreneur has to research and learn the words, phrases, and terms that customers mostly key in search engines. They can even make a further step and figure out some information on a topic that can be related to the business. After doing this, they can now create content that will be useful by creating a page on their website or creating a blog. The content should always be targeting the keywords.

There are different ways that an entrepreneur can use to know what to write. First, they can find out what their ideal customer searches for. If they manage to answer the question adequately, SERPs will recognize them as a top choice when displaying results.

They can also analyze Google’s autocomplete suggestions. These suggestions are the most searched phrases on the internet. They can be used as content ideas.

For a keyword strategy to work correctly, the keywords have to be updated occasionally, since the trends keep on changing.

Focusing on local SEO

The most crucial part of applying this tip is by setting up a Google My Business Profile. Creating them is free and maintaining them is very easy. Of all the mobile searches on the internet, 30% of them are location-based searches, for example, Jacksonville SEO companies. Even if *Jacksonville* term is omitted, the Google algorithm will automatically prioritize the local options around. The My Business profile comes into play here, capitalizing on this opportunity.

Another essential feature of the profile is the question and answer section. Here the entrepreneur can answer the questions and issues that are most likely to be raised, making the customer experience as smoother and easier as it would ever be.

Using links to establish authority

According to Google, quality (and quantity as well) backlinks are a good sign that the website is worth a visit. Therefore, when a website has links from other sites on it, the chances of being at the top of search results are high since it has a higher SERP ranking.

For a site to have local links, a strategy has to be laid. The entrepreneur can create a spreadsheet that contains names and emails of their contacts; they can even include positive media mentions such as bloggers and magazines.

Streamlining the contents marketing

Since this requires more resources (which small businesses might be short of), it takes hard work and energy. It is also time-consuming. However, the business owner can still get the most out of it by

Using templates

Sharing the business content on different social media platforms

Creating visual contents such as videos.

Some companies, such as the Jacksonville SEO companies, have great SEO strategies to use. When the policy is successful, the business will be able to raise its website traffic, which will, in turn, increase brand visibility. The growth will be better, and the opportunities will increase.…

It’s not always easy to know how to plan for success in the business world. It’s a common concern even among people who’ve been in their industry for decades. But there’s certain stress which often comes with new beginnings. And it’s just as true for people new to business in general as it is for people just jumping into a new type of business plan. Such is often the case with local SEO.

SEO, or search engine optimization, is a process by which people adapt web services to search engines. It’s best understood by thinking about how computers work with language. People tend to think of computers as capable of understanding their native language. It’s better to say that computers are capable of reading text within that language. The sticking point is that computers don’t actually understand language. Computers essentially read webpages for search engine placement by running a complex pattern matching solutions. Search engine optimization is a process by which people adapt web services so that it’s easier for search engines to work with.

Local SEO takes this process one step further. It’s primarily targeted to people within a specific area in which one is doing business. For example, consider a company in Arlington. They’d want to start by looking through the best SEO companies in Arlington.

But what will the best SEO companies in Arlington actually do? First, they’ll begin by considering what information is already out there.

It’s inevitable that a webpage will have some presence within search engines. However, it’s typically not going to be very well organized. This is where proper local SEO can begin. They’ll look at where one’s brand is showing up and where it isn’t. And from there they’ll also consider how the brand might be better represented within those spaces. Proper targeting for points one wants to provide the public is just one example of this process.

Next, they’ll try to help with issues involving the search engine’s less than an optimal competitive model. It’s easy for a company in the know to unfairly leverage search engines to provide their own company with an advantage online. This can have an even heavier toll when one considers local SEO options. When hundreds of companies are battling it out they’ll all tend to rise and fall on a consistent basis. This creates some built-in leverage for new competitors. However, local business is typically competing in a smaller market. One company getting an unfair advantage in a small market is a big deal. Good local SEO will ensure that one’s company can properly combat this trend and stand up to unfair practices.

The best SEO companies will also help one navigate the often confusing world of new technologies. Search engines are constantly trying to compete for a lager user base. This is in large part because search engines are usually another name for advertising profits. The companies behind search engines want to build their own brand because it makes them a more attractive platform for advertising. They’ll often do this by adding creative new features to their system on a regular basis. This also means that new avenues for local SEO show up all the time.

A great SEO company will leverage new local SEO options. But they won’t stop there. They’ll also take this often confusing new world of online development and explain it to clients. This can help one better understand new options he might have for his company. And at the same time, it will help him consider what his competitors might be planning.

However, the most important part of local SEO is simply that one is keeping up with a moving target. Local markets and online representations are both changing at a rapid pace. Good SEO helps one to keep moving forward with those trends rather than stagnating.

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