If you are looking for a financial advisor or financial planner based in Boston then I suggest you look at the list of top financial advisor listed on barron online or the list of top financial advisor at Boston Magazine.
Top Financial Advisors By Barron Online
Barron has a ranking of top 100 financial advisors in the state of Massachusetts. The following five financial advisors and planners from Boston made it into the list.
Raj Sharma of Merrill Lynch Boston was ranked No. 1
Victor Livingstone of Morgan Stanley Smith Barney Boston was ranked no. 2
William Sullivan of UBS Financial Services Boston was ranked no. 6
James Odorczuk of J.P. Morgan Securities Boston was ranked no. 7
Ross Dolgoff of J.P. Morgan Securities Boston was ranked no. 8
20 Best financial advisors
On Boston magazine list of 20 Best Financial advisors around Boston the following made it into top five:-
Raj Sharma of Merrill Lynch Boston was ranked No. 1
Marc A. White Jr. of JPMorgan Private Bank, Boston was ranked no. 2
John D. Spooner of Citigroup Smith Barney, Boston was ranked no. 3
William J. Sullivan of UBS Financial Services, Boston was ranked no. 4
Andrew H. Zimmerman of Merrill Lynch, Boston was ranked no. 5
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ING bank has free tool that lets you calculate “your number” – how much you’ll need the day you retire to live the lifestyle you desire with a given income, retirement date and life expectancy.
The ING number calculator is based in six questions:-
- How old are you
- Are you married
- Whats your current household income
- At what age do you plan to retire
- How much annual income will you need during retirement
- Provide income through what age
To calculate how much money you will need for your retirement go to ING Website
How Much Money You Need To Retire ING
Like all other online calculators I dont think this ING retirement calculator should be taken seriously because the questions asked ignore other key factors such as social security and pension. But I think the ING tool is a fun thing and gives you a simple idea of how much money you will need for retirement and most importantly remind you the importance of saving for retirement.
written by Constantine Njeru
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If you are a follower of Ken Fisher you must be interested to listen to his latest forecast on what will happen in the next decade.
The next decade will be as good for investors as the 1990s, said Ken Fisher, the billionaire chief executive officer of Fisher Investments Inc.From Bloomberg
Fisher made this forecast at the Forbes Global CEO Conference in Sydney.
Don’t follow Fisher’s forecast blindly, the man might have made a ton of money from stocks before but keep in mind the man is human and he makes mistakes just like us mere mortals.Like in the case below:-
Fisher said in October 2008 that U.S. stocks were close to the bottom. The S&P 500 fell about 30 percent from October 2008 to a 12-year low in March 2009.
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I was reading CNET and they had an article that analysed the amount of money Apple Inc makes on each Iphone. The analysis was by T. Michael Walkley of investment firm Canaccord Genuity.
Apple sees a gross margin of 50 percent and operating margins of around 30 percent on its iPhone. That’s within an industry where most handset makers struggle to turn a profit, or reach operating margins of even 10 percent.
As a result, he said, Apple took home 39 percent of the mobile phone industry’s overall profits by selling around 17 million iPhones during the first half of 2010.From CNET article
Apple Analyst Revenue forecast for 2011 to 2012
Walkley is forecasting sales of $63 billion for Apple in fiscal 2010, $82 billion in 2011, and $93 billion in 2012. That compares with $42 billion in 2009.
written by Constantine Njeru
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If you consider that the life expectancy of an American is in the mid eighties it means the average American retiring at age 60 will need a substantial nest egg to survive for another 25 years.
Suze Orman writing for Oprah magazine shared the following ideas for retirement planning.
- Look at school as a big part of your financial plan: By upgrading your skills, you give a boost to your future earning power.
- Always have an emergency saving plan. Most experts recommend it to be at least equivalent to 8 months of your earning.
- Keep investing in a 401(k) if you get a company match.
- If you don’t have an emergency savings fund, or your employer doesn’t offer a matching contribution, skip the 401(k) and invest in a Roth IRA .
Source: Courtesy of Oprah Magazine
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Suze Orman was once asked in a blog interview what is the most commonly asked question that you receive? Her answer was, how do I best get out of credit card debt?
if you want to get out of credit card debt Suze Orman says the first thing you need to do is : Get a pair of scissors and cut up all credit cards! If you are not willing to do this right now, it’s a sign that you need some serious help. It means that you still don’t understand the implications of having debt of this kind – and that you are still being disrespectful to yourself and to your money. Suze Orman
After cutting up the credit cards the next step is the action part. From Suze Orman book The Road To Wealth.
Step One to get out of credit card debt
Make a complete list of everything you owe
Step Two to get out of credit card debt
Calculate all your expenses and estimate how much money you can afford to pay toward reducing credit card debt each month.
Step Three of Getting out of credit card debt
Add $10 to each minimum monthly payment for each credit card that you have.
Step Four To Getting out of credit card debt
Compare the figures you get from step 2(largest amount you can afford to pay) and step 3(minimum payments). If you are lucky the figure from step 2 is larger than the figure in step 3. If it is not, you might want to look again at things you can do to save money in step 2 to get this figure up.
Step Five of Getting out of credit card debt.
The difference you have in step four should be used in paying off first the debt with the highest interest rate.
Step Six and Final step
Once the first card is paid off you will proceed to the next card with the highest interest rate.
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Lynnette Khalfani-Cox is well known financial expert by avid viewers of Oprah Winfrey,Tyra banks, Fox Business, Dr. Phil and CNN.
Personal Finance Books By Lynnette Khalfani-Cox
She’s written seven books on personal finance, including
- Zero Debt: The Ultimate Guide to Financial Freedom,
- Perfect Credit: 7 Steps to a Great Credit Rating
- Zero Debt for college grads
- The money coach guide to your first million
- Investing Success How to Conquer 30 costly mistakes
- Your first home ; How to get get and keep it
- Perfect credit : 7 steps to a great credit rating
In an article published in Yahoo Finance written by creditcard.com She shares some of her ideas with on how to reduce debt and how to avoid getting into debt.
Lynette Khalfani-Cox Debt Management Tips
1. Avoid overspending – one reason people get into a debt problem is spending too much money on frequent travel, expensive travel and expensive tuition for kids.
2. Cut off the frivolous expenses, slash spending on unnecessary travel, eating out and treating friends.
3. Any windfall that comes your way, tax refund, lottery, stimulus etc, should go towards servicing your debt. One of my favorite quotes from Lynnette is “You’ll never regret using a windfall to pay off a debt, but you’ll regret spending it.”
4. Opt out getting extra credit card offers.
5. High income wont protect you from running into debt.
6. For those already in trouble, Keep faith.
written by Constantine Njeru
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In the book Age of Turbulence by Allan Greenspan. The former Fed Chief made some interesting economic predictions of US economy and Chinese economy.
The rise of Chinese wages.
The rural urban migration of Chinese workers from farms into factories, will slow, leading to stronger wage pressures and prices, he says. This is already happening as we have seen Foxconn the largest factory in China increase wages of its factory workers.
American Economy and Inflation
The impact of rise in Chinese wages will impact on the US economy. High prices of Chinese goods coming into the US will cause inflation.
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The key to selecting a good financial advisor or financial planner around Las Vegas area is to go by the reviews and recommendation of others. People who have used the services of a certain financial advisor are likely to give you an honest opinion.
There are several places online where Las Vegas financial advisors / Las Vegas financial planners are reviewed.
Barron Ranking of Las Vegas Financial Advisors.
Barron has an annual ranking of top financial advisors. The following las vegas financial advisors were ranked in top 5 among top Nevada Financial advisors.
1 Randy Garcia of The Investment Counsel Company
2 Brian Buckley of Morgan Stanley Smith Barney
3 Deborah Danielson Danielson Financial
Another place to find Las Vegas Financial Advisors / Las Vegas Financial planners is at Yelp. The good thing about Yelp is that the site is reviewed by users like you.Some of financial advisor from Las Vegas at Yelp Financial Services are:
Leornard Bensons Company
Hiey Insurance Agency.
Another online resource for Las Vegas financial advisors is the Yellow pages. Although these are purely Ads, the one advantage is that they have a large resource of listed Las Vegas financial advisors and Financial planners. See Yellow Pages
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Taking a mortgage to buy a home can come with tax advantages that mortgage owners can take advantage off to lower their tax bill.
1. Interest on a mortgage is usually tax deductible. You can deduct the mortgage interest from your income taxes.
2. You’ll get a tax break on capital gains–if any–when you sell.
3. These tax breaks means taking that mortgage will costs you less, often a lot less, than renting.
For more information consult a tax attorney or accountant for specific details.
written by Constantine Njeru
\\ tags: Capital Gains, Income Taxes, Mortgage Interest, Mortgage Tax, Tax Accountant, Tax Advantages, Tax Attorney, Tax Benefit, Tax Break, Tax Breaks, Tax Deductible
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