Financial Planning

Technically speaking, a Financial Planner is a skilled investment professional that helps businesses and individuals and corporations meet their economic goals by examining their status and setting agendas to attain those goals. Financial Planners concentrate in asset allocation, tax planning, risk management, estate planning, and/or retirement.

Australian Money

Wow.  Financial Planning sounds really complicated, highly sophisticated, and reserved only for the wealthy, right?  Wrong.

It’s easy to complicate the concept of Financial Planning with fancy words.  Just substitute a couple of simple words and the meaning gets clearer.  A Financial Planner is an experienced, smart person that looks at a businesses’ and a person’s finances and helps them make the most out of what they got. There.  That wasn’t that hard, now was it?

It gets complicated, however, when the actual work is discussed and that icky, awful subject, you know the one…math…is reviewed.  That’s when it all gets complicated, irritating, and, well, boring.  Sure, there are some out there that think math is glorious and fascinating, but to us right-brained people, it’s evil.  It either puts us to sleep or gives us a splitting headache.

All joking aside, Financial Planning, however, is vital.  Developing a financial plan helps you set long and short-term goals, both of which are critical for your future. Once you have a Financial Plan, it’s much easier to make decisions.  Those without Financial Plans easily find themselves in trouble and oftentimes have nothing when it’s most important.   A skilled, experienced Financial Planner can help you set a Financial Plan with goals, such as saving to buy a house or setting up a fund for a child’s college tuition.  Financial Planners also offer advice on how to save and invest.  Some planners also specialize in areas such as estate planning or retirement.

Also, Financial Planners aren’t stockbrokers.  That’s a completely different profession.

How to Choose A Financial Planner

Most Financial Planners have at least a Bachelor’s Degree in financial planning, finance, accounting, economics, business, law or, (ick) mathematics.

Here are some tips when selecting a Financial Planner:

  • Select a Certified Financial Planner (CFP). The certification indicates credibility (though it doesn’t necessarily guarantee it).
  • Ask friends, relatives, and/or colleagues for recommendations. Those in a similar situation might also have suggestions.
  • Study the Financial Planner’s pay structure. You normally want to sidestep commission-based advisers.  When they’re advocating for certain mutual funds or insurance packages, they’re getting a cut of the revenue, so you can never be sure of their incentives.

Fee-based advisers take in one percent of your assets, so they might be reluctant to advise you sell investments or buy a house, even if such was a right move for you because their fee would decrease.

If you’re just starting out and don’t have a lot of assets, a Financial Planner that charges an hourly rate might be best.  Such a planner is probably establishing their practice, so handling your account accurately will earn them a positive recommendation. As well, some experienced advisers will work hourly with new clients as such is the only way said clients can afford them.

  • Seek out a fiduciary. Such means that the Financial Planner has promised to always act in the client’s best interests. This means that anything they sell must suit you.
  • Do a background check. Ask your potential Financial Planner these two questions:  Have you ever been convicted of a crime? Has any regulatory agency or investment-industry faction ever put you under investigation, even if you weren’t found guilty or accountable? Then ask for references of existing clients whose objectives and finances equal yours.
  • Check the potential Financial Planner’s credentials. Research their name on Google.  Research them on CFP at:

http://www.cfp.net/about-cfp-board/ethics-enforcement/disciplined-individuals-by-state

  • Be careful of those who claim to have outperformed market averages. There aren’t many people like Warren Buffet.

Most importantly, you should be able to connect with and build a quality relationship with your Financial Planner.  It is a relationship that should last and be profitable for both of you.

Lawn Bowl Shoes

How to buy Lawn Bowl Shoes- A Buying Guide


 

If you are an avid bowling enthusiast and looking for ways to improve your game, a pair of good quality lawn bowl shoes can help. Even if you are a novice and might have thought about renting shoes, it’s always better to purchase a pair of inexpensive lawn bowl shoes and save up the money you have to pay for the rent.

Why buy lawn bowl shoes

The following are a few reasons why you should invest in a pair of lawn bowl shoes.

  • Lawn bowl shoes can help improve performance.
  • It provides proper balance and offer the necessary support
  • It provides the right grip which can actually allow bowlers to slip right up to the line

Things to keep in mind when buying lawn bowl shoes

Buying lawn bowl shoes might seem like a great deal of hassle. You might be wondering how you could buy a pair which is affordable yet allows you to play your best as well. There are always a few things you should keep in mind.

  • When buying lawn bowl shoe always make sure you buy good quality ones, though they might cost more but they definitely last longer and give good value for money.
  • Another thing to keep in mind is comfort. If you are buying a new pair, it’s better to try out a size bigger or smaller as well. The sizes may differ from company to company and you should wear a pair which provide you with maximum comfort and support.
  • When buying lawn bowl shoes online, make sure you check out the customer reviews. These can help you find a right pair. That’s because if a customer is satisfied with the quality and the fit of those shoes, they are bound to give it a good star rating.
  • If you are an avid bowler you may need to wear your shoes time and again, in that case you can go ahead and splurge on an expensive pair. However, if you are just starting out and may play once in a while, a pair of inexpensive shoes would suffice as well. Just make sure you never compromise on comfort.
  • Some features which you need to look out for when buying a pair of lawn bowl shoes is the added durability and support. This would allow you to play your best without compromising on comfort.
  • As your foot transitions into different position during the gait cycle, the shoes must be such to absorb any undue pressure. It reduces the unnecessary impact on the toes and the mid foot.
  • The mid sole of the shoes should offer complete traction support and allow you to move and glide easily from one position to the other without creating any tension in the muscles and tendons of your feet.

When buying lawn bowls shoes is easy if you keep the above mentioned things in mind. While some people are happy renting out shoes, but owning a par allows you to grow into them. For the best pair of reasonable shoes make sure you check out the variety available at all online stores.

Karting Accountants

If you own a business, hiring an accountant should be on your list of important business moves. Every dollar counts for a business owner, so making sure you keep track of it could mean the difference between staying on top of your game, and employee paychecks bouncing. If you are looking for a Hervey Bay accountant, you are in luck There are a lot of accountants to choose from, so you are guaranteed to find someone with the expertise your business needs.

While hiring an accountant may seem like just another expense, you will be surprised at how many situations a business accountant can be of assistance to you as a business owner.

Karting Accountants

           Hiring a Hervey Bay Accountant

Hiring an account is about more than crunching numbers for your business. They can also provide you with advice on making purchases, financing business equipment and developing a financial plan to help grow your business. An accountant can also advise you on improving your business credit, and the recommended budget for your company to advertise to bring in new clients.

An experienced accountant will also be able to handle your taxes. Since they develop hands-on knowledge of your business’ situation throughout the year, and since they are knowledgeable about how your tax rate is affected by the way your business functions,  you could save a lot of money by having them prepare your business taxes.

  • Do-It-Yourself Software Just Won’t Cut It

Many business owners try to keep track of their finances using a do-it-yourself software. This software is helpful when it comes to calculating operation costs, assets, bills, and accounts due. They cannot provide the human touch it takes to evaluate the financial future of a business, and whether changes need to be made to protect it financially.

The advice of an outside party can help you avoid making impulsive purchases, or financing a piece of equipment that will cause your business to owe more than it is worth. The last thing you need is to develop more debt than you currently have assets. Customers do not like to work with businesses that are upside-down financially.

  • An Accountant Could Become Your Business’ Best Friend

A good accountant is an asset that cannot be replaced. If you hire the right one to represent your company’s finances, they could easily become your business’ best friend. Over time, you will be able to trust them with knowledge about your company’s inter-workings. You will not only trust them with business finance matters, you will learn to trust them with personal finance matters.

An accountant could provide you valuable finance advice that you were not previously aware of. For example, where to get a finance loan to buy a new piece of equipment your business desperately needs. Accountants are charged with staying up to date with finance interest rates in your area that affects businesses. They can tell you who has the lowest interest rates in the area, and who is most likely to finance the purchase your business is about to make.

If you are wondering if hiring an accountant is right for your business, the answer is is pretty simple. Why does your business not have one already? The advice of someone who is well-trained in business finance can help you properly budget for your business’ future, and a number of other financial decisions that must be made every day as a business owner. Ensure you speak with a Hervey Bay accountant to ensure you have the best possible advice.

Child Care in Rockhampton

The Benefits of Enrolling your Child at a Child Care Centre near the Race Track


It is not uncommon to find families stressed about finding it increasingly difficult to give quality time to their children. A child who attends a child care centre in their childhood stands a better chance of succeeding in the future. Since both parents work, it would be difficult to give the child the kind of quality care and education that they deserve. Home schooling is simply not an option any more.

Each year parents make the major decision of enrolling their child at a child care centre in Rockhampton. The following are the few benefits of early childhood education, these include

  • A brighter future for our children. Children who undergo early learning are more successful at their schooling. This increases the child’s confidence and allows them to compete with their peers without feeling left out.
  • Children who start their early childhood education at a younger age are sometimes 40% ahead of their peers at school.
  • Also amongst the children who attempt their GCSE’s, it was observed that those who had access to early learning scored better in their Math and English GCSE’s.
  • Children who are vulnerable and come from lower income groups face the biggest challenge when enrolling in school. However research has proved that children who did enroll for early learning among the lower income group were just as successful as their peers when graduating high school

A child who is confident is an asset to the society. Early learning not only focuses on educational development but can actually help shape a child’s personality.

Children are curious individuals and their minds are like a sponge, absorbing everything which is taught them at an early age. Not only do children learn academics they also learn to nurture and care for their peers. They understand the concept of sharing and empathy. All these are character traits which are important to help them become caring and successful individuals.

Children learn the art of socialising. Time and again research has proved that children can benefit a great deal by socialising with their peers who come from different walks of life. This teaches them tolerance and understanding. The ability to decipher situations and be sensitive to nuances around them helps them become socially intelligent. A child who is socially intelligent has better chances of growing up as a happier and well established person.

Child Care Centre

Child care also focuses on teaching the child the importance of team work. They listen and cooperate with their peers. All children are taught this very early in their pre schools. Such individuals always have a better chance of being more likeable as they progress into adulthood thus allowing them easier access to securing employment.

Ability to concentrate is another key feature taught to all children at a child care centre. This is done in such a way that the child is not forced but in turn develops that interest on their own within him or herself. Later on this concentration helps students become academically smarter.

With so many benefits which early learning can offer, make sure you give your child the best possible future by enrolling them at a child care centre in Rockhampton.

Briel Karting

Karting is a premier supplier of all things go karts and automotive parts. Targeting this specific niche and a wider spectrum of all this auto, Briel is the only supplier you need on your books.

We are also looking into targeting the fleet management sector with further products going through the research and development phases. This cluster of products can also include mining vehicles, trucking fleets and customised utility vehicles.

Further to the above, with the mining sector being such a large part of the Australian market we are also further developing mining safety equipment and underground lighting products to assist you when you need it most.

Along with entire catalogue of current karting and automotive products to choose from, the new additions will entice new and experienced clients in the automotive industry to start partnering with us and we will expand the Australian operation.