Monthly Archives: June 2017

If You Think You Get Services, Then This Might Change Your Mind

Choosing the Chartered Accountant Career Path

There are many career paths that we can take, but if you are interested in becoming a chartered accountant, it is good to know the right and proper way of becoming one. People are encouraged to become chartered accountants because it is a job that enjoy flexible hours, high earnings, and the ability to make a difference.

Becoming a chartered accountant sounds like a really interesting and fulfilling career path. If you are somehow encouraged to take this path, you need to follow some steps to ensure that you will take the right path for your career success.

The most important thing about having a career is that you should be educated in the field that you are planning to enter before you do enter it.

The chartered accountant field consist of several different specialties that you can focus on. There is an accountant specializing in auditing. You can also specialize in chartered management accounting. Being a chartered public and finance accountant is another specialization of chartered accountants. You line of specialty will determine the type of education and training that you need to take.

If you really want to work as a chartered accountant, then you should earn your bachelor’ or associate degrees. If you are going to take a degree make sure that it is something connected or important to the industry and it should at least be connected to business, economics, or accounting. But if you have a different degree, then you can still take additional courses so that you will improve on your accountancy skills. So, you can take up courses being offered by local and online colleges including business, accounting, auditing, and finance.

So, when you have already earned your degree, the next step is to enroll in a training course specifically designed for chartered accounting. This training course is necessary to improve your skills in chartered accounting and it may be taken live or online. Part of this training course is preparation for your chartered accounting exams. You need to pass these exams in order to become a professional chartered accountant.

A three year working experience in a professional setting is necessary in order to become part of a chartered accounting program. In order to fulfill the requirement you can ask your university, college, or your local chartered accountant association to let you work as an intern.

Once you have finished everything, from getting a degree, training, and years of experience working in a professional setting, you can now take your qualifying exam. Testing can even last up to three days depending on where you are taking it. If you get a passing mark in your tests then you become a full-fledged chartered accountant.

Upon completion of your studies and test, you can then work in the real world as a certified chartered accountant. There is no problem looking for a place to practice your chartered accountancy career. Follow the guide above and you would soon be living out your career dreams.

What Do You Know About Options

Ways to Guarantee Business Growth

Any business person around the world knows that one of their main goals is to make their business grow bigger. This is actually one of the main goals for any business owner out there. Business growth is definitely easier said than done, but there are actually some ways which can help your business grow more and more. In this article, we are going to talk about the top 3 ways in which you can really make your business grow. Here are the top 3 ways.

Believing in yourself is one important way to help your business grow. Believing in oneself is really important if you want your business to really grow. The chances of failure will actually become more likely if you keep thinking and fearing about it all the time. Positivity thinking will actually help you succeed more. It is never a good idea to always bring yourself down and think that you cannot do it because it will certainly bring negativity. It is best to think about your goals and to think about yourself achieving it; this will really help you build trust in yourself.

Accepting challenges is another way in which you can help your business grow. Avoiding and fearing challenges is never a way to make your business grow. Accepting challenges, no matter how hard they are, is a great way to make your business prosperous. If you do not take challenges, then you will be stuck in the same place forever, not allowing you to improve your business. You need to push your limits to see what you can achieve for your business.

And finally, the last way to guaranteeing growth is to give back to your employees. Running a business cannot be done alone, and you know how valuable the people working for your are, and they are indispensable to your business. And since these employees are a great part of your business, then it is just right to give back to them too. If you focus on inspiring your team instead of always putting them down, your business will really experience a great boost in growth. If you want your business to keep on growing then you should realize the importance of employee happiness and a positive work culture.

These are the top 3 ways in which you can guarantee your business growth; however, these are not the only ways are there are so many more.

Finding Similarities Between Businesses and Life

Buy Life Insurance Without Medical Exam

There’s a huge difference between term life insurance and whole life insurance in which the former does not require any kind of medical exams and has a guaranteed acceptance while in the latter, it requires the applicant to pass some medical exams and questions before securing an eligibility. Even though there might not be no paramedic or physical examination needed in order to secure a term policy, still there is going to be underwriting process that should take place after applying coverage for most carrier.

Although numerous people assume that these polices aren’t requiring paramedic examinations are bought as in the same manner that you just buy an off-shelf product form retail stores, it is important to have a thorough understanding that insurance companies will run a series of double checks referred to as underwriting process before they issue a policy.

There are several cases that will be reviewed when planning to get a term life insurance.

Number 1. Driving record verification – with majority of the insurance providers, the application process includes consent to review the driving record activity of the interested client. Depending on the company selected, there is going to be requirements that should be meet to acquire eligibility. In most instances, there has to be no DUI cases within the past 7 years, no other major violations committed for the past 5 years, no driver’s license suspension in the last 5 years and no more than 2 standard moving violations.

Number 2. Prescription history check – when you are applying for a life insurance policy, the insurance carriers are going to review the applicant’s prescription history to be sure that there aren’t prescriptions that had been prescribed which are often reserved to those who have medical conditions that’ll make the applicant ineligible for coverage.

Number 3. M.I.B check – this is basically a reference to Medical Information Bureau that is reviewing the history of the applicant. They’re checking for any recently applied coverage or outstanding coverage. Even though some customers may see this review as being counterproductive and intrusive, it is essential that the life insurance provider perform their part in protecting the rates of those who’ve qualified for coverage and ensured that only the appropriate clients can get coverage from their policies.

These 3 are just some of the basic tests that life insurance companies will perform on their applicants however, expect more tests to be done if you want to get the best life insurance.

6 Facts About Services Everyone Thinks Are True

Guide To Fund Your Business In One Working Week

Most business people often have a lot of challenged when it comes to funding their business especially if a person is engaging in the business for the first time as they often do not have enough knowledge about the market and also the different ways on how to raise money to fund their business. In spite of the way that raising resources for a business inside one week is in every way to a great degree troublesome undertaking, there are different tips that can be executed to ensure that one gets sponsoring inside seven days so as to prevent their business from running a loss.

A business person should be able to focus on a single set of activities this is because when one decides to become a jack of all trades they usually lower their chances of getting funding from investors as the investors often view this type of trade as a loss hence it is very important for the business person to choose a single line of business according to the customer’s demands and this way they can be able to convince investors to invest into their business thus resulting toe funding.

One should also be able to find people who are willing to lend them money at a low interest rate as there are some people for example investors who offer business people huge sums of money then the business owner ends up repaying the loan over a decade and they may also end up having a bad debt, hence it is important to ensure that you find people who are willing to lend you money cheaply. One can in like manner come up with a social event promises by using the web to get financing from different sorts of people and thusly one can have the ability to attempt and beat their goal as opposed to the traditional ways where authorities used particular ways to deal with raise saves for their business which frequently suggested that one would surrender a couple offers of their business to get sponsoring for their business.

One can also be able to get funding from friends and family but at the same time ensure that they get to make it official this is because most of the time members of the family often take up loans from other members of the family then they become reluctant when it comes to time to repay the loan as they know that the lender is part of the family and cannot be able to sue hence they end up not repaying the loans within the agreed period of time.

Doing Options The Right Way

How you Can Generate Some Funds During Senior Years

Many of us hope to be financially stable in our senior years. With that, things like travelling or just being free from any kind of debt also comes to mind. In other words, many of us want to have a stress free life in our senior years.

Good for those who were able to achieve those dreams. On the other hand, there may be financial or health situations, later on, in life that can take us a step or plenty of steps away from those goals. However, you need not worry yet. There are still three things that you can do later in life to raise money.

First, you might want to release some cash to make your daily living more at ease. You then ask yourself how much you can possibly get if I sell my annuity This is probably the best option that you can take to raise money regardless of your reasons for doing so. This is seen as a reverse mortgage. This is where the lender pays me money if I sell my annuity. There are plenty of reason sthat make this a good move. You don’t have to pay the lender monthly right away and that may be the main reason. The time you sell the house or move out will be the only time you will pay the lender.

If to sell my annuity is something that I do not want to do, I can delay my retirement. This sounds unappealing to most of us, but the truth is that when you delay your retirement to 70 years old, you will be receiving higher allowance than when you take your retirement at 50 or so. Whether that difference is small or significant, it can definitely bring a positive impact to your daily or monthly living. By the way, you can still return to work even if you are already retired. And that is possible through different options, as well.

And last but not the least is that you can come to your family and ask for help. This is last on the list because this may hurt our pride. However, in times of financial struggle our family is the best place to go to and we might just get the help we need. This is likely the case if later on our kids become more affluent than us. They will likely to never turn their backs on us should we be in urgent need for medical bills or other important needs.

So if you do not want to go the sell my annuity route, you have this and another option when it comes to raising money. Nonetheless, consult the right people first before going with any option. If you have been asking yourself a lot of question “how I can sell my annuity” or raise some money, go here.

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Options: 10 Mistakes that Most People Make

Vital Tips for Successful Investment

You occasionally make errors; nevertheless, there are specific mistakes that you should entirely prevent if you like to arise like a successful buyer while you commit. Like for instance, a massive mistake that you can ever make is not making any investment at all! Or simply postponing your decision to invest at a later date. Only make you your funds work weekly, even if you could simply sacrifice just $50.

Though not making any expenditure or delaying any investment in a later time is a large mistake, but making investments before you’re capable of doing is a still bigger mistake. You then must begin producing any opportunities and have to make an effort to bring your finances about the individual entrance so as. Like cleanup, your credit, pay off your credit card loans for residing in your savings you might have obtained, after which playground at least four weeks of the costs. You’re simply all set after you have completed this.

Keep in mind that you ought not to create investment to get immediately wealthy. This can be many hazardous investments, and you can find odds that you could drop your wages. Everybody could have been, if this was so easy then that was a richer person! Create assets that are smart for a long lasting and invite your finances to develop. Make short term opportunities knowing that you might need funds in between on your desires and stick with fully protected devices like CDs (Certificate of Deposits).

Never place-all your eggs in a-one container. Allow it to be a place to spread them in numerous type of assets for good results around the long-term schedule. You also mustn’t move your money around a lot of as it may be lost by you in certain poor investments. Let your cash trip instead. Pick your ventures after and very carefully expenditure let your money increase. Do not start getting frightened once rates are dropped in by your inventory. It’ll bounce back when the stock within your collection is a one that is secure.

Lots of people devote error in convinced that they will be given big results at their expense within the memorabilia. If this factor might have been proper, then every individual might have completed it. You shouldn’t rely on your book or coke series to fund during your pension years! Only rely on the investments achieved with the income.

Errors are made by everybody, but that doesn’t imply you’ve also. Mistakes occur because buyers don’t usually have the time and knowledge to make the proper choice. Some mistakes are missteps of the buyer and also other situations it’s a random affair brought on by the movement of the market.

Phillip James Financial Announces Move to New Plymouth, MN Office


(Plymouth, MN) After a long buildout process, Phillip James Financial is proud to announce their new location in Plymouth, MN. Across the street from the Plymouth Lifetime Fitness, the move is to the thriving central business district of the city. “This is a big change from when we first started,” stated company co-founder James Sexton, CPA. “We were really bootstrapping back in 2010, most of the work was done from the living room of my personal residence or a local coffee shop.”

The founders’ relationship goes all the way back to grade school. James Sexton, CPA and Phillip Christenson, CFA went to local schools St. Vincent De Paul and Totino Grace before parting ways to go to rival universities. “After graduation, we both knew we didn’t want to work the standard 9-5 jobs,” continued Sexton. “We both had an interest in finance and the stock market so a wealth management firm was a natural fit. And with my background in tax we added tax preparation and planning as a complementary service.”

The small company quickly grew out of the home-startup phase as demand for their brand of financial planning took hold. They spent the early years at downtown virtual office and then a smaller physical office, both of which they quickly outgrew. “There are not a lot of other financial advisors that do what we do,” states Phillip Christenson, CFA. “We are a Fiduciary for every one of our clients and our financial planning process is very comprehensive. Other firms can’t replicate this.” The move provides enough room for the two co-founders and their two employees with plenty of room for future growth.

The company’s services include financial planning with a focus on retirement income as well as tax preparation and planning. By combining these disciplines into the core of what Phillip James offers, clients are able to get investment and tax advice all in one place not only providing convenience but a better wealth management service. Christenson elaborated, “Our motto is Investing with Purpose. This is because we build our clients’ investment portfolios around their goals and specific situation. We aren’t just trying to get the best return possible but trying to give our clients the best chance of achieving their goals.”

Regardless if a client needs retirement planning or the other financial services, Phillip James Financial offers, the new office is touted as being the only fee-only wealth management company in the city of Plymouth and made the move due to the large amount of growth experienced in 2016. They recently celebrated this milestone with a ribbon cutting at their new office with the Mayor of Plymouth, Kelli Slavik, as well as other prominent Plymouth Officials. Family and friends were also in attendance.


Phillip James Financial is an independent financial advisor. They provide fee-only financial planning and investment management company in Plymouth Minnesota.  They provide comprehensive financial planning, investment management, and tax preparation services all in one place. They are a Fiduciary, always acting in the client’s best interest. Phillip James Financial has been named “Best Fee-Only Financial Planner – MN” in 2016 and 2017 by Wealth & Finance International. The financial advisors at Phillip James Financial are paid based on a percentage of the assets that are managed by the company and are as low as 0.25%.

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Figuring Out Loans

How to Take Advantage of Doors to Opportunities

There are a lot of opportunities everywhere and most people just let them slip away because of lack of awareness of its signals that life throws away. Often times, we may see the opportunities life has to offer by we are afraid to take advantage of them because of their risks, letting us think that they just pose bigger problems. As the saying goes, “as one door closes, another door opens”, and so as with opportunities, but we must learn to study if we need to hold on and work on the opportunity presented to us or just let it slip away. An opportunity is a situation, event or anything that can provide us a good chance to change our lives for the better. One thing you should realize is that opportunities may come as a form of problems or hardships, so it is important to deal with them that turning yourself around.

In life, there are a lot of opportunities that come along our way such as an opportunity to achieve our career goals, an opportunity to travel and gain experience, an opportunity to help other people and be a blessing to them, and an opportunity to grow emotionally, mentally and spiritually. It is hard if you don’t really have an unlimited money and resources to pursue your career goals, starting with your education, but you can take advantage of student loans and Obama student loan forgiveness to ensure you are not turning down any opportunity that comes along your way. Why not turn the door handle, instead of waiting it to open directly for you? We rely on our comfort zones, and we do not want to risk anything because we are uncertain. Studies would show that successful people are those who were risk takers, flexible, not afraid to be alone or excluded from the majority, not afraid of changes, always ready to face any life’s challenges and simply take what has life to offer in order to make things happen. That’s why we learn from Chinese businessmen, because they make great sales with small profits, and see how successful they are when it comes to business.

We have known famous people who have made well in their lives, and if you look at their background, you’ll be able to see that they have their own humble beginnings, and they are usually rooted in patience, integrity, hard work, perseverance, and faith. Life is a commitment to be an asset not just to our families but also to our community and to the world we live in. Opportunities are everywhere, and what you have to do is to work hard for it, wait for the proper timing to open and it, and when you’re there, enter with passion, bravery, patience and wholeheartedly. Believe in yourself, in your talents and in your capabilities. Because if there is someone who needs to believe in yourself, that is you.

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Why Money Aren’t As Bad As You Think

Budgeting-Here Are Helpful And Effective Budgeting Tips

Do you want to live a life free of debt? This may sound impossible but it can actually be done. When you know how to properly manage your money then you can have a life free of debt.

below are helpful budgeting tips:

A. Setting A Budget

The first thing that you need to do is to set a budget, so you will not over spend. When you are organize then you can have financial freedom.

B. Say goodbye to your debt

Having debt is really stressful. This is the reason why you should do things that will help you be free of debt. Try to pay all of your debts and even avoid having debts again.

C. Think of your future

You also need to think about your future. You need to make sure that you can enjoy your money when you get older. You should start filling up your pension account while you are still young. You need to ask your employer about your pension contribution plan.

D. You need to lockdown your savings

If you can easily access and withdraw in your bank account, then your savings will be useless. Example; since you can easily transfer money from your savings account to your other account when you over spend. It is good if your savings account cannot be easily accessed. You can actually choose an account that when you need to withdraw from it you will need the signature of another person. You should only choose a person that will only allow you to withdraw unless it is an emergency.

E. Buy things at a much cheaper price

There are a lot of online shops where you can buy branded things at a much cheaper price. They also offer promotional codes, that you can apply on top of the sale price. It is better if you only go shopping when there is a sale. A lot of people are couponing nowadays since they are saving so much money with this. It is best if you try to avoid paying for full price.

F. Always check your accounts

You have the time to check your social media accounts, then you should also check your bank accounts. Today, there is now mobile banking, where you can easily check your bank account.

With mobile banking you can easily monitor your account and you can see the money that comes in and out. There are apps that helps in setting up your budget. If you know your account then you can make better decisions. Try to avoid buying things that you cannot afford. You can actually save up for these things.

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The Best Advice About Vehicles I’ve Ever Written

Guide To Making Your Faithful Car Last Longer

Your first car is always your baby and a person would make sure that they do everything to make sure that their car is well taken care of so that it can be able to last much longer this is because a car is a very expensive investment. All together for a vehicle to keep going for a drawn out stretch of time it is imperative to mull over a couple tips, for example, guaranteeing that you treat the car right this is on the grounds that in the event that you don’t treat the car right then it won’t have the capacity to last longer for instance pushing the car too hard may make it destroy quick and consequently it won’t be of much help to the proprietor of the car.

One should in like manner assurance that their car is often checked and kept up this is because of it is principal for the car to get ordinary checks and support as opposed to holding up until the car isolates with the objective that it can be taken to the repairman for repair as this will be exorbitant as time goes on thorn standard checks ensure that the proprietor of the car does not have to worry over achieving an extreme measure of expenses. One ought to likewise guarantee that in the event of any breakdown or any wear one ought to have the capacity to take the car to the technician at the earliest opportunity in order to maintain a strategic distance from the circumstance from ending up noticeably more terrible, this is on account of when parts of the car destroy then his influences the working of the car and this thus diminishes the life expectancy of the vehicle.

One ought to likewise guarantee that they clean the car as frequently as conceivable to guarantee that that the vehicle glimpses slick both inside and outside this is on account of when the car is presented to various conditions, for example, snow when it dissolves then it is left for a more drawn out time without cleaning it then this influences the shade of the vehicle, henceforth general cleaning of the car guarantees that the car remains in a decent condition.

Another tip to guarantee that the car keeps going longer is to guarantee that you drive painstakingly this is on the grounds that there are diverse landscapes and one ought to guarantee that they drive well inside the distinctive territories to stay away from the car particularly the feels worn out on the car from destroying this is on the grounds that when they are presented to antagonistic conditions they tend to destroy effectively and this makes the car not to last more.