Financial Planning the Right Way: Mapping Your Future With a Professional Financial Advisor

Anyone can write a financial plan, or at least it looks that way. You can consult your banker, go to a brokerage firm, or hire someone who calls himself or herself a financial planner to prepare a plan for you. Financial planning simply is not that complicated, right?

Let's consider what's included in a comprehensive financial plan. There's a section on what happens if you died today. Will estate taxes be due? Does your estate have enough liquidity? Another section outlines what happens if you become disabled or need long-term care. Have you saved enough for retirement? And how will you pay for your kids 'or grandkids' college education? What about charitable giving, income tax savings, and investment allocation?

The first place to start is selecting the right person to develop a financial plan. Find someone with a fiduciary responsibility such as a Certified Financial Planner ™.

It is important to seek out someone who will listen to your objectives and design a plan to meet your goals. Be sure the person you choose to draft your initial financial plan is familiar with how the planning you do in one area affects exit in another. For example, what you do in the area of ​​investment planning can affect your tax planning. What you do to provide for asset protection can affect your estate planning, and so forth.

A sound financial plan should also address how you are expected to have when placed in a variety of scenarios. The only certainty in life is that the unexpected will always happen. When placed in an unexpected situation, most people will tend to make major decisions based on emotion, and then try to rationalize them, underlining their long-term planning. Therefore, a solid financial plan should be flexible enough to accommodate the unexpected. This is especially true in the investment-planning arena. It is important to have a written investment policy statement to help protect your portfolio from unplanned and impulsive revisions of sound long-term policy. Especially in times of market turmoil, investors without an investment policy statement are inclined to make investment decisions that are inconsistent with prudent investment management principles – and their best interest. Your investment policy provides an agreed-upon and well-thought-out framework from which sound investment decisions will be made.

Many people believe the process ends once the plan is written. But good financial planning means regularly monitoring and adapting strategies to ensure you're meeting your goals. Remember, you're not just trying to create an end product that will not ever need to change. You're developing a map that will help guide you toward financial stability. And regular comparisons of where you planned to be in the future with where you actually end up can generate important discussions about why you ended up where you are. Are you ahead of plan because your investment portfolio did better than expected, were taxes lower than expected, or maybe you spent less than expected? The reason you end up at a particular place is important to understand because that determinates what types of adjustments might be needed for your plan A financial plan that's developed with the help of a professional financial planner could be the right map to help you reach your financial destination.

Many people can help you prepare a financial plan, but the most successful plans are crafted by professional planners which allegiance is to you, the client. Professional planners have the credentials and understanding to know how the different areas of financial planning affect one another so they can help determine what is right for you. And professional financial planners will follow up with you after the plan is in place to assist in analyzing deviations from the plan in order to make competent adjustments to steer you away from failure.

Jewelry Making Or Perfume Making – What’s the Difference?

Very recently I've stumbled upon what proves to be another new hobby of mine, making perfumes using natural, essential oils. I've purchased several oils from the UK so far, and started combining them to make perfumes. Which does not seem to be so easy as I first thought. Most of the concoctions smell horrible, at best as a bad medicine.

I've searched a lot the internet for recipes on the subject, but it's hard anything out there. There are a couple of real life workshops that one should attend, at over $ 1000 a piece, and very few books on the subject, mostly touching the history of perfumery and the ingredients, but less the actual blends, mixes. So I broke down and purchased from Mandy Aftel the Level 1 Workbook, at a price of $ 375 (yep, you've read it right!) And shipping to Europe $ 80 (right again!), As this looks pretty much the only feasible avenue for somebody to really learn perfumery without spending a large amount of essential oils on trial and error, by not knowing what is one really doing in the process.

So now I'm waiting for it to arrive …

And in the meanime I'm musing …

Most probably since the time I started with wire wrapping, I did spend about this amount or even more on books and tutorials, however the difference between this workbook and the tutorials for wire wrapping, is that I've bought MANY tutorials, on all aspects of wire wrapping and jewelry making. I've learned a lot of skills in the process. I have now a new level of appreciation for all the wire wrappers who so freely share their knowledge in allowing the rest of us to learn their secrets, and to make their jewelry pieces. Without all these tutorials, and book out there, it would have been much more challenging to learn wire wrapping, even to the level I am right now (which is not that far). It is a completely different world between the two.

Perfumers guard their secrets as if with their lives, they will not share but the very basic of blends, which does not bring one very far, and wire wrappers, or jewelers in general are very generous, and share. Yes, for a price, but the prices are very reasonable, anything between $ 5 and $ 15 for learning how to make one pendant, a pair of earrings, a ring, any items from start up to completion. Plus there are also many free tutorials out there, which allow you to build on your existing knowledge and widen it too. Best example out there is Eni Oken, who has many tutorials for a veeeery reasonable price, but also many freebies to get you started.

Find a Professional Graphic Designer

The condition of graphic design can advert to an array of artistic and professional corrects which centre on optical communication and display. Various methods are used to create and combine symbols, images and words to create a visual representation of ideas and messages. A designer can use typography, visual arts and technical layout to produce the final result. Graphic design frequently adverts to both the action by which the communication is created and the harvest fathered.

Common uses of graphic design are magazines, advertising and packaging. For example, a product that includes for a logo or other artwork, organized text and pure design elements such as shape and color as one piece. The composition is one of the key elements of graphic design especially when using existing equipment or parts.

A design project may include graphic style and format of existing text or photographs or images developed by graphic designers. For example, from a newspaper with reporters and photographers and then becomes the graphic designer responsible for organizing this to be a reasonable layout and determine if other graphic elements should be mandatory. In a magazine article or advertisement, often a designer or art director for the Commission, photographers and illustrators to create original pieces just to be part of system design. The contemporary exercise of design accepts equaled covered to latest computers, specified the use of WYSIWYG exploiter ports, often adverted to as synergistic design, multimedia or graphic design.

In addition to important content, the type of presentation in May is also important for graphic design. The exterior design is manufactured according to traditional editing tool or digital imaging. Choosing the proper development and presentation of each project is fundamental to how the project will be perceived by the public.

In the mid-1980s brought the advent of desktop publishing and graphics software to a generation of designers, computer art of image manipulation and creation that has been done manually. Computer graphics enabled designers to instantly see the effects of the typographical arrangement and simulate the effects of traditional media, but a lot of space. But are traditional tools such as pencils or markers are often used to develop ideas even when computers are used for finishing. Some of these drawings, you can get a single customer for approval early stage before they develop the idea of using a computer and software for graphic design.

New ideas can come through experimentation with tools and methods. Some designers explore ideas with pen and paper to avoid the limits of what computer fonts, clip art, photos, or rendering filters are available in a given configuration. Others use many different brands making tools and resources from computers to sticks and mud as a means of inspiring creativity. One key feature of the graphic design is a tool for selecting appropriate images to convey meaning.

Jewelry Making Kit Ideas for Kids

These jewelry making kit ideas include projects for both girls and boys. You may consider creating and selling kits like these as a business, or giving them as gifts, or using them to offer beading parties for kids.

Popular Projects for Teen / Kids Jewelry Making Kit

Children and teens love to make and wear jewelry. And a trendy jewelry project with a cool name can make a lot of sales!

These are some popular jewelry projects for kids of all ages to make. They are great designs to teach at a jewelry workshop or beading party, or to offer as kits.

1) Friendship Bracelet – for boys or girls. This has been a hot jewelry item for the past several years, with no sign oflining. Nice made with either "natural" beads, or colored glass / plastic ones, and strung on leather or hemp cord.

2) Friendship Anklet – similar to the bracelet above, except made ankle-size. (Less likely to be worn by boys.)

3) Surfer Dude / Surfer Chick Necklace – for boys or girls. A rustic choker-length necklace featuring a few beads and sometimes a small pendant. You can offer a variety of rugged, "natural" beads like clay, bone, horn, wood, recycled glass, etc. The beads and pendant are strung onto leather cord or rubber tubing, fastened with either sliding leather knots or a basemetal clasp. This is an especially popular teen / older kids jewelry making kit.

4) Princess Bracelet – an extremely popular jewelry making kit for girls. Possible components: large-hole beads to string on a pretty ribbon that ties onto the princess' wrist with a bow; beads to string on heavy-duty stretch cord; beads to string on beading wire and fastened with a basemetal toggle clasp. Pink and purple are a must in these designs.

5) Dragon-Bone Necklace – a popular jewelry making kit for boys. Simply provide a variety of bone beads and a few interesting spacer beads to string on leather cord and fasten off with sliding, adjustable knots.

6) Magic Bracelet – for boys or girls. An assortment of small magnetic hematite beads in a variety of shapes makes an endlessly fascinating toy as well as a piece of jewelry.

Tips for Creating a Jewelry Making Kit

Many of the commercially-made jewelry kits are disappointingly junky. They have a skimpy assortment of cheap components, flimsy tools, and poorly written instructions – packaged in a deceptively large box. It's very easy to create something that's vastly better than these!

When I create a jewelry making kit for workshops or for sale, I put myself in the customer's shoes – what would be excited to find in the kit? Here's an example of how I created some bead bracelet kits:

Each kit contained beads in a popular color scheme, with some nice contrast accent beads and at least one cool focal bead. I included an inspiring mix of bead colors, shapes, etc., and used a beadboard to measure how many inches of beads I was putting into each kit.

Then I tossed in a few extra inches of beads, so the recipient would have a good selection to design with, plus some leftover beads for other projects. I added a coil of leather stringing cord (cut a few inches longer than even the largest wrist would need), and instructions for good design, a comfortable fit, and making sliding knots.

I packaged it all in a transparent jewelry zip-close bag, stapled my product card to the top – and had a nice jewelry making kit.