Financial planners typically work in the insurance industry, the mortgage industry or real estate, but some are general practitioners. Discover the benefits of financial planners having a broad base of knowledge with help from a financial strategist and consultant in this free video on financial planner jobs.

Expert: Ted Schmidt
Contact: www.flgus.com
Bio: Ted Schmidt has spent the last 21 years as a financial strategist and consultant. He is active in the Hendersonville Chamber of Commerce and the Real Estate Investors of Nashville.
Filmmaker: Dimitri LaBarge

Duration : 0:2:41

http://iiagroup.biz Choosing the right investment advisor. Host Tami Simpson, president and founder of Insured Investments Advisors Group delivers sound investment advice for retirees. Trying to decide if annuities, 401K, IRA, the Stock Market, Mutual Funds, Real Estate or other investment plan or strategy is right for you is what an expert retirement financial planner will help you decide. Look for a retirement asset allocation planner who is a Fiduciary who will manage assets for your benefit rather than for their own profits. Tami talks about Stocks, Bonds, Mutual Funds, Annuities, Savings, Insurance, IRA’s, 401k’s, Pensions, Investment Real Estate, Second Homes and Businesses. Learn about minimizing tax liability and providing for Long Term Nursing Care costs. Contact Insured Investment Advisors Group for a free consultation and evaluation.

Duration : 0:5:38

The IRS requires proper records like a receipt, canceled check or investment statement for all cash donations under 250 dollars. Avoid an brutal IRS tax audit with proper book donation bookkeeping with tips from a financial planner in free personal-finance video.

Expert: Julie Asti, CFP
Bio: Julie Asti works as a financial planner for Asti Financial.
Filmmaker: Bing Hu

Duration : 0:2:56

Many times people think there is no way I can save enough money for retirement. They feel like I’m just going to have to work until I die. That is not the case. There are things that you can do to enhance you chances to retire at a decent age. You just have to be willing to get started. Here are some suggestions to get things started.
1. Pay bills on time but do not over pay. There are problems with paying bills late and with over paying. When you pay late you get hit with late charges and fees. This can increase your monthly payments by as much as 30% or more. This is a very high interest rate for a short term loan. The opposite is true if you pay too much and carry a credit balance. Most companies will not pay interest on credit balances. You would be better off depositing the extra amount into a savings account and earning interest even if it is very little.
2. Take advantage of savings plans at work. For some people it is easier to save money if you never see it. If your employer has some type of plan that allows you to deduct money directly from your check then that is the best way. This can be a thrift savings, credit union or 401K plan. This can be easier and more systematic than having to deposit your check and then moving the money into some form of savings. Once you have accumulated three to six months of your necessary bills or living expenses into an account, and then look for something with a higher return. Until that point, look for security not return on investment.
3. Take advantage of free money but contributing to an employer sponsored retirement plan. If you have a plan available at work that has an employer match, TAKE ADVANTAGE OF IT!! This is free money that is not available anywhere else. I would suggest that you contribute at least to the point that the matching stops. So for example if your employer matches %100 of your contribution up to the first 6% the put in 6%. Additional contributions will depend on your situation but take advantage of the free money.
4. Play games with yourself by setting up a reward schedule. We are a society of immediate gratification. When you look at the time to retirement that can seem a long time to wait for your reward no matter what your age is. A way to overcome this is to setup a schedule of rewarding yourself at specific intervals. You can say that when you have put aside “$ x” for “y” number of months then you will reward yourself with something. It can be a gift for yourself, a night out or a vacation. The opposite can work by penalizing yourself for not sticking to your plan. You can say that if you fail to meet your commitment you will contribute money to the politician you like the LEAST! That for some people is the trick.
5. Take advantage of small changes. For some people it is easier to make small lifestyle changes. Bring a lunch to work instead of eating fast food. This will create small savings amounts like $5, $10 or $15 per day. This can add up over time. Car pooling with others is another example of ways to save money.
6. Attack larger items of savings. For some people to get motivated it takes large savings. An example of this is when you pay off your car don’t buy a new one. Take the money that you were paying monthly as your note and put it into savings. You can use this money to purchase a used car when you need to buy something else. This strategy can save you thousands of dollars over time. You will have money to possibly pay cash for a used auto and maybe still have money left over.
These are ideas of ways to save money that can be moved into your retirement savings plan. The main thing is to get started. Time is going to be your biggest asset. The sooner you get started the longer your investments will have to accumulate returns.
By Sharon Denise Talbot

I have $170,000 to be used for all my expenses during 5 years of school and am looking for a safe, hands-free place to invest it. I have worked out my budget for the next 5 years and this money should be enough to cover my expenses if it grows above inflation. I am not interested in purchasing real estate, owning a business, or managing a large stock portfolio, so I would be grateful for any ideas regarding the best way to invest this money for the next 5 years. I will need to be able to withdraw 20% of the money each year to cover my expenses. Money-market savings accounts and certificates of deposit do not appear to have high enough interest rates to be viable options. The only option that I have found so far are Treasury Inflation-Protected Securities (TIPS) and Vanguard Inflation-Protected Securities (VIPSX) looks to be the best TIPS, but I don’t know enough about inflation, diversification or investing to know if putting the entire $170,000 in a TIPS for 5 years is the best option. I would greatly appreciate any financial planning advice regarding my situation. If you could map out the specific investment vehicles or sketch a composite portfolio for the $170,000 I would be very thankful. This would be easier for me if I was investing for the long term, but my 5 year window, expense requirements, and the current inflation outlook and bear market make my situation very confusing. Thanks for your help.

8% CD. insured. Europe

But to my mind the best way to invest money is to invest in business. It’s more profitable – up to 40% per year.
You may contact me for a good advice.

NOTE: I don’t need your money.
I wish you success in your investments!

No income tax is due on the interest earned in some types of investments. You deposit $35,000 into an account. Which of the following plans is better?
A. (tax free) the account pays 6.25 compounded annually. There is no income tax due on the interest earned.
B. (tax deferred) the account pays 7% compounded annually. At maturity, the earned interest is taxable at the rate of 40%.

Answer: By all means, Option A is better—much, much better than Option B.

When preparing a cash flow statement, make sure that the statement shows whether cash is flowing up or down. Discover how cash flow statements can inform future business decisions, such as the reduction of expenses, with help from a registered financial consultant in this free video on cash flow statements.

Expert: Patrick Munro
Contact: www.northstarnavigator.com
Bio: Patrick Munro is a registered financial consultant (RFC) with outstanding sales volume of progressive financial products and solutions to the senior and boomer marketplace.
Filmmaker: Reel Media LLC

Duration : 0:1:12

Investment outlook Q4 2010 — 2011: Covering stock market analysis, technical analysis, and asset allocation. Money manager, Chris Ciovacco, discusses investment opportunities based on key stock market levels and possible quantitative easing by the Federal Reserve. Mr. Ciovacco, of Ciovacco Capital Management, discusses inflation-friendly, deflation-friendly, and conservative growth assets with respect to key levels and ranges on the S&P 500 Index. Topics also include the odds of a double-dip recession, deflationary spirals, and investment allocation contingency planning. Video covers investment strategies for year-end 2010 and 2011, including investment opportunities in gold, silver, copper, and global stocks.

Duration : 0:10:2

Chapter 17b – Energy Budgeting (2 of 2): Petroleum has supplied the surplus energy that has allowed for social complexity, industrialization, and the modern conveniences that we enjoy. In this chapter, Dr. Chris Martenson explains that in the future our supply of surplus energy will decline due to the fact that increasing amounts of energy will be required to produce new energy. When poor net energy (ERoEI) returns are paired with peak oil production, it points to a return to a less complex society.

http://www.chrismartenson.com/

Duration : 0:5:35

Chapter 17b – Energy Budgeting (1 of 2): Petroleum has supplied the surplus energy that has allowed for social complexity, industrialization, and the modern conveniences that we enjoy. In this chapter, Dr. Chris Martenson explains that in the future our supply of surplus energy will decline due to the fact that increasing amounts of energy will be required to produce new energy. When poor net energy (ERoEI) returns are paired with peak oil production, it points to a return to a less complex society.

http://www.chrismartenson.com

Duration : 0:6:48