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There is a simple but undeniable truth in the financial consulting and wealth planning industry that Wall Street has kept as a “dirty little secret” for years. That dirty little, and nearly always overlooked secret is THE WAY YOUR FINANCIAL ADVISOR IS PAID DIRECTLY AFFECTS THEIR FINANCIAL ADVICE TO YOU! You want, and deserve (and consequently SHOULD EXPECT) unbiased financial advice in your best interests. But the fact is 99% of the general investing public has no idea how their financial advisor is compensated for the advice they provide. This is a tragic oversight, yet an all too common one. There are three basic compensation models for financial advisors – commissions based, fee-based, and fee-only. Commission Based Financial Advisor – These advisors sell “loaded” or commission paying products like insurance, annuities, and loaded mutual funds. The commission your financial advisor is earning on your transaction may or may not be disclosed to you. I say “transaction” because that’s what commission based financial advisors do – they facilitate TRANSACTIONS. Once the transaction is over, you may be lucky to hear from them again because they’ve already earned the bulk of whatever commission they were going to earn. Since these advisors are […]

Investors have long discussed, argued and debated whether single family homes or multi-units are better for your real estate investing portfolio. There are advantages and disadvantages for each and I will briefly highlight some of these below. Let’s start with single family homes. Single family homes are typically easier to finance, easier to find long term tenants for and easier to sell. They are easier to finance because you can go to just about any bank and get a non-owner occupant loan, often with very little down payment. (But note, at the time this is being written, May of 2008, lending requirements have gotten significantly stiffer.) Single family homes are easier to find long term tenants for because many tenants prefer living in a detached home rather than sharing a wall and/or ceiling with multiple neighbors in a multiplex unit. Tenants also tend to stay longer because those who rent houses instead of apartments tend to have more stuff and they don’t like to move it as much. Since you can sell your single family home either to another investor or to any family looking for a home, you have a very large market for liquidating your property. Another advantage […]

Survival China Travel Tips and Tricks These China Travel Tips, Survival Techniques, will help you get around and make your trip to China easier, so you will be able to experience the real China with a little less stress. China is an odd beast that needs to be respected; the major cities, Beijing, Shanghai, and Xian, all have their own personalities. Some complex situations that you think would be an organizational disaster turn out to be great and you wonder afterward what all the fuss and worry was about. Then the simplest of tasks can turn out to be a major calamity. This is when you have what we call here a “China day”. These days come and go and are part of the experience of everyday travel in China. One needs to have an open mind when travelling China. It is a place with thousands of years of history and culture that is trying overnight to adapt to Western ways of living. You need to have a very open mind when you Travel in China. I have listed below a few China Travel Tips that will make life that wee bit more bearable on your Travel China experience. China […]

Home interior decorations is one all about making your house into a home. With colors, style, theme, furnishings and different decor elements a house gets its character. Starting with the living room right to the bathroom, home interior decorations looks into all the aspects of the house. The main goal for interior decoration of any room of the house is to give it an individual personality. Interior decor generally concentrates on finishes like wallpapers, wall paint, window coverings and furnishings. Along with it comes the balance of the various decoration items like wall hangings, showpieces etc. So let’s take a quick look for home interior decoration ideas for different rooms in a house. Big Spacious Rooms There are many ways to make a room look spacious and large. The first most important element is the room lighting. Go for soft and even lighting so that shadows don’t divide your room into smaller sections. Avoid putting ceiling lights as they make the ceiling look lower. By having a diffused and ambient lighting the room will look large. The next thing to keep in mind is the texture used in the room. Smooth surfaces tend to reflect more light as compared to […]

Explore Paros beaches, sites and attractions. The Port of Paros is in Parikia (the capital) which is situated on the western part of the island. Parikia is a well-developed tourism infrastructure town offering lots of accommodation units, beaches and archaeological sites to visit. There are also daily flights from Athens to Paros (4 flights per day – 45 minutes flight), with Olympic Air. Paros is the third in size island in Cyclades, after Andros and Naxos, with a total area of 195 sq. km and 120 kilometers of shore and beautiful sandy beaches. Apart Parikia which is the commercial center of the island, the most beautiful village in Paros is Naoussa, which is much more picturesque and has a lot of beaches and attractions to offer. The center point of interest is around the small fishing harbour of Naoussa where are situated some of the best restaurants, fish taverns, cafés and bars of the island. Near Naoussa are some of the best beaches of Paros, awarded with the “blue flag” sign. In this article we will talk about things to do in Naoussa Paros during the day. Get up early in the morning, have a rich breakfast at your hotel […]

Why is having health or medical insurance so important? There is certainly a misconception that medical insurance is only for the elderly and older folks. Many young adults and even some middle aged adults have this misconception that since they are still healthy and without any illness, they do not need this security blanket that a health insurance policy provides. Their argument is that the premiums are high and that they are not getting anything in return if they do not make use of the policy. Perhaps, these people are ignorant or have not heard or read of young and healthy people who without any warning, suffer a health attack or succumb to cancer. This is not surprising considering the hectic lifestyle and the regular intake of unhealthy food in this fast moving world that we live in. In addition, unforeseen accidents, minor or major can happen anytime. Breaking an arm or a leg can happen anytime while playing basketball or football. In the tropics, many people young and old falls victims to dengue due to mosquito bites. Considering the rising cost of medical care, hospitalization, surgery and medicines, a visit to the hospitals for treatment can indeed set back […]

Have you wondered how your favorite athletes do their workout? Or what kind of exercises they perform, what kind of food they eat or how do they manage to relax under pressure situations? Probably you don’t care about all this because what matters for you is their performance in the sport. But it doesn’t mean that they don’t take care of themselves like we do. In fact, athletes need to monitor their lifestyle very closely and keep their health conditions at par with their competitors; not just by eating right food items but also by consuming supplements. Supplements are an integral part of athletes’ diet. It is required to have an enhancement of their endurance, and also to increase or, if not increase, at least maintain the appropriate muscle mass to be able to improve size and strength. One of the most important parts of any sports nutrition is protein supplements. Without these supplements, athletes would not be the way they are at present. However, contrary to what most people think, diets jam-packed with protein do not necessarily build up muscle strength. Building up muscle strength would be the job of regular physical activity. So if you want those big […]

Furniture, especially wooden furniture, plays a very important role in emanating a pleasant and peaceful atmosphere in your home. However, while everybody wants to have wooden furniture to deck up their homes, not many are aware about what furniture to buy. It is very important to know several aspects involved in the buying of furniture. These include the type of wood you’re looking for, the place where you want to place your furniture, the color of the furniture that would be ideal for you etc. These are some of the basic questions that one has to answer ahead of buying wooden furniture. If you’re a person who is intending to buy some quality wooden furniture and also appreciate quality then you have to spend some time on determining the type of furniture you want to buy. Your budget, of course, would be the most important factor while buying wooden furniture. There’s no denying of the fact that quality wooden furniture is expensive. Wood has become dearer these days because of the strict tree felling norms imposed by governments worldwide and the move to conserve forests and balance the ecology. This has led to the emergence of alternative materials like metal […]

The continent of Asia is home to unequaled exotic cultural influences and temples built in times past, white blazing beaches, and tastefully unique cuisines. This should be a tour that any cruise fan must indulge. Cruise lines are an ideal way to tour this lovely continent. During the extent of your cruise, there will be plentiful stops at some of the best tourist destinations that Asian culture has to offer. Gorgeous landscapes and unmistakably delightful food draws more tourists than the typical tour of the Bahamas. For those of you who seek new and different climates to satisfy that touring urge, this is the place to go. The entertainment is available at every stop. Tourist cruising routes began to frequent South East Asia because the regions there respond to visitors with such an appeal that it is irresistible. Thailand, Hong Kong, the Philippines, and Singapore are certain stops along the South East Asia shores. The sights are amazing and these countries offer such friendly hospitality to those who come from distant lands. Enter the region of Wat Pho in Bangkok, Thailand and experience the splendor of the Reclining Buddha, a famous tourist attraction. Hong Kong´s bustling retail environment is overwhelming […]

Though vineyards exist in almost every U.S. state, California outranks all of the others by a great deal and its production can even be ranked on a global scale. In fact, California ranks # 4 in the world in volume production among wine producers with a total of 2 billion liters per year, following only Italy, France, and Spain. It also ranks as one of the most diverse wine regions in the world due to its ability to produce almost 100 separate high-quality grape varietals. Some of the most popular wines include: * Merlot * Pinot Noir * Cabernet Sauvignon * Shiraz * Zinfandel * Chardonnay * Sauvignon Blanc Within the state, there are approximate 4,500 wine grape growers; a testament to the size and importance of the wine industry in California. In 2006, the California wine industry had a $51.8 billion dollar economic impact on its own state and a $125.3 billion dollar impact on the entire United States. The wine industry in California is easily the most profitable of any other area in the Unites States and its wine’s are among the top in quality around the world. Due to different growing conditions within the state, the California […]