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<guid>https://www.financialservicedirectory.com/blog/the-ultimate-guide-to-cutting-it-costs-and-outpacing-your-rivals</guid>
<title><![CDATA[The Ultimate Guide to Cutting IT Costs and Outpacing Your Rivals]]></title>
<description> In today's fast-paced business world, companies are constantly looking for ways to cut costs and stay ahead of the competition. One area where businesses can achieve significant cost savings is IT. With technology playing an increasingly vital rol...</description>
<content:encoded><![CDATA[<p dir="ltr" style="line-height:1.3800000000000001;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:12pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">In today's fast-paced business world, companies are constantly looking for ways to cut costs and stay ahead of the competition. One area where businesses can achieve significant cost savings is IT.</span></p><p dir="ltr" style="line-height:1.3800000000000001;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:12pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">With technology playing an increasingly vital role in modern business operations, IT costs can quickly spiral out of control if not managed properly.</span></p><p><br></p><p dir="ltr" style="line-height:1.3800000000000001;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:12pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">In this blog post, we'll explore the ultimate guide to cutting IT costs and outpacing your rivals.</span></p><p><br></p><ul style="margin-top:0;margin-bottom:0;padding-inline-start:48px;"><li dir="ltr" style="list-style-type:disc;font-size:12pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;" aria-level="1"><p dir="ltr" style="line-height:1.3800000000000001;margin-top:0pt;margin-bottom:0pt;" role="presentation"><span style="font-size:12pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Embrace Cloud Computing</span></p></li></ul><p><br></p><p dir="ltr" style="line-height:1.3800000000000001;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:12pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">One of the most effective ways to cut IT costs is to embrace cloud computing. Cloud computing allows businesses to store and access data and applications remotely, rather than having to maintain expensive on-premise IT infrastructure.</span></p><p><br></p><p dir="ltr" style="line-height:1.3800000000000001;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:12pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Cloud-based services can be significantly cheaper than traditional IT solutions, and they often offer greater scalability and flexibility.</span></p><p><br></p><ul style="margin-top:0;margin-bottom:0;padding-inline-start:48px;"><li dir="ltr" style="list-style-type:disc;font-size:12pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;" aria-level="1"><p dir="ltr" style="line-height:1.3800000000000001;margin-top:0pt;margin-bottom:0pt;" role="presentation"><span style="font-size:12pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Use Open-Source Software</span></p></li></ul><p><br></p><p dir="ltr" style="line-height:1.3800000000000001;margin-top:0pt;margin-bottom:0pt;"><a href="https://www.businessinsider.com/guides/tech/what-is-open-source-software" style="text-decoration:none;"><span style="font-size:12pt;font-family:Calibri,sans-serif;color:#1155cc;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:underline;-webkit-text-decoration-skip:none;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Open-source software</span></a><span style="font-size:12pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">is typically free to use and can provide similar functionality to proprietary software. It is created and maintained by a community of developers who work collaboratively to ensure that the software remains up-to-date and secure.</span></p><p><br></p><p dir="ltr" style="line-height:1.3800000000000001;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:12pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Open-source software can be used for a wide range of business functions, including operating systems, productivity tools, database management, and web development. By using open-source software, businesses can save significant amounts of money on software licensing fees, which can be reinvested in other areas of the business.</span></p><p><br></p><ul style="margin-top:0;margin-bottom:0;padding-inline-start:48px;"><li dir="ltr" style="list-style-type:disc;font-size:12pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;" aria-level="1"><p dir="ltr" style="line-height:1.3800000000000001;margin-top:0pt;margin-bottom:0pt;" role="presentation"><span style="font-size:12pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Implement IT Asset Management</span></p></li></ul><p><br></p><p dir="ltr" style="line-height:1.3800000000000001;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:12pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Implementing IT asset management can help businesses to better manage their IT equipment and reduce costs. For instance, if youve equipped your IT team with iphones and Macs, make sure to have a proper maintenance system to avoid basic glitches like</span><a href="https://setapp.com/how-to/iphone-wont-turn-on" style="text-decoration:none;"><span style="font-size:12pt;font-family:Calibri,sans-serif;color:#1155cc;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:underline;-webkit-text-decoration-skip:none;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">iPhone screen go black and won't turn on</span></a><span style="font-size:12pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">. These basic glitches not only hampers the workflow, but also kills employees time.</span></p><p><br></p><p dir="ltr" style="line-height:1.3800000000000001;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:12pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">By keeping track of all IT assets, businesses can identify equipment that is no longer needed, reduce over-provisioning, and ensure that all equipment is being used efficiently. This can help to reduce maintenance costs, energy costs, and the need for costly upgrades.</span></p><p><br></p><ul style="margin-top:0;margin-bottom:0;padding-inline-start:48px;"><li dir="ltr" style="list-style-type:disc;font-size:12pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;" aria-level="1"><p dir="ltr" style="line-height:1.3800000000000001;margin-top:0pt;margin-bottom:0pt;" role="presentation"><span style="font-size:12pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Consolidate Your IT Infrastructure</span></p></li></ul><p><br></p><p dir="ltr" style="line-height:1.3800000000000001;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:12pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Consolidating your IT infrastructure can also help to cut costs. By reducing the number of servers, storage devices, and other IT equipment, businesses can reduce maintenance and upgrade costs.</span></p><p><br></p><p dir="ltr" style="line-height:1.3800000000000001;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:12pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Consolidation can also improve efficiency and reduce the amount of physical space required to house IT equipment.</span></p><p><br></p><ul style="margin-top:0;margin-bottom:0;padding-inline-start:48px;"><li dir="ltr" style="list-style-type:disc;font-size:12pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;" aria-level="1"><p dir="ltr" style="line-height:1.3800000000000001;margin-top:0pt;margin-bottom:0pt;" role="presentation"><span style="font-size:12pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Consider Outsourcing IT Services</span></p></li></ul><p><br></p><p dir="ltr" style="line-height:1.3800000000000001;margin-top:0pt;margin-bottom:0pt;"><a href="https://www.forbes.com/sites/forbestechcouncil/2021/05/14/six-reasons-outsourcing-could-benefit-your-business/" style="text-decoration:none;"><span style="font-size:12pt;font-family:Calibri,sans-serif;color:#1155cc;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:underline;-webkit-text-decoration-skip:none;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Outsourcing IT services</span></a><span style="font-size:12pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">is another way to cut costs. Outsourcing can be significantly cheaper than hiring full-time IT staff, and it can provide access to a wider range of expertise and resources.</span></p><p><br></p><p dir="ltr" style="line-height:1.3800000000000001;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:12pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Outsourcing can also help businesses to better manage IT costs by providing predictable monthly fees rather than unpredictable and potentially large</span><a href="https://futureinquantum.com/category/business/" style="text-decoration:none;"><span style="font-size:12pt;font-family:Calibri,sans-serif;color:#1155cc;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:underline;-webkit-text-decoration-skip:none;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">capital expenditures</span></a><span style="font-size:12pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">.</span></p><p><br></p><p dir="ltr" style="line-height:1.3800000000000001;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:12pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">To Wrap It All Up</span></p><p><br></p><p dir="ltr" style="line-height:1.3800000000000001;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:12pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Cutting IT costs is not only about saving money, but it is also about improving efficiency. Businesses need to ensure that they do not compromise on quality or security while reducing costs. By taking a holistic approach to IT cost management, companies can achieve significant cost savings while also improving their overall efficiency and competitiveness.</span></p><p><br></p><p dir="ltr" style="line-height:1.3800000000000001;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:12pt;font-family:Calibri,sans-serif;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Moreover, it is crucial for businesses to remain vigilant and stay informed of emerging technologies to outpace their rivals in today's competitive business landscape.</span></p><p><br></p>]]></content:encoded>
<link>https://www.financialservicedirectory.com/blog/the-ultimate-guide-to-cutting-it-costs-and-outpacing-your-rivals</link>
<pubDate>Mon, 08 May 2023 10:10:00 -0500</pubDate>
<category>Financial Planning</category>
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<guid>https://www.financialservicedirectory.com/blog/mastering-debt-a-2023-guide-to-prioritizing-and-eliminating-high-interest-debt</guid>
<title><![CDATA[Mastering Debt: A 2023 Guide to Prioritizing and Eliminating High-Interest Debt]]></title>
<description>Do you often struggle not to indulge in a delicious chocolate cake on your designated non-cheat day? You know that you don't need to have it to stay alive and it is not actually good for your health. Still, it's difficult to keep without roaming arou...</description>
<content:encoded><![CDATA[<p id="isPasted">Do you often struggle not to indulge in a delicious chocolate cake on your designated non-cheat day?</p><p>You know that you don't need to have it to stay alive and it is not actually good for your health. Still, it's difficult to keep without roaming around the fridge and sneakily gulping in a piece.</p><p>It is similar to when you purchase things you don't necessarily need and then run your brain for ways to lose the weight of the accumulated high-interest debt.</p><p>Indulging in momentary gratification like this may bring temporary pleasure, but it can lead to a multitude of regrets in the future.</p><p>The root cause of accumulating high-interest debt is the lack of self-discipline and reaching out for that chocolate cake of temporary satisfaction. Without discipline, nothing can be of help to you. However, with proper discipline, utilizing a few strategies can aid in eliminating your accumulated high-interest debt.</p><h3 id="isPasted"><strong>How To Prioritize High-Interest Debt?</strong></h3><p id="isPasted">Prioritizing accumulated high-interest debt is the first step in reducing it. If you don't address it early and make the goal of reducing it a priority, it can get overwhelming before you even know it. Here are a few steps to help you to prioritize high-interest debt:</p><h4 id="isPasted"><strong>Assess your current debt situation</strong></h4><p id="isPasted">The first thing you should do is gather all the necessary information about all your accumulated debts, including interest rates.</p><h4 id="isPasted"><strong>Create a list of your high-interest debts</strong></h4><p id="isPasted">Once you get the information about your accumulated debts, create a list from highest to lowest. This will give you a clear idea of your debts and help you decide which one to focus on first.</p><h4 id="isPasted"><strong>Prioritize the most critical high-interest debt</strong></h4><p id="isPasted">Prioritize paying off the most critical high-interest debt (such as credit card debt) first, and try to make at least the minimum payments on others. You will need to re-evaluate your budget and adjust it in order to make room for the payments.</p><h4 id="isPasted"><strong>Decide on a debt repayment strategy</strong></h4><p id="isPasted">There are various debt repayment strategies, but you should remember that not all methods suit everyone. If you are not sure which strategy would be right for you, consult an expert.</p><h4 id="isPasted"><strong>Stick to the plan</strong></h4><p id="isPasted"><img src="https://www.financialservicedirectory.com/images/member_uploads/member_0cf1afa0e237903ebd3eea14f199ec12/f5f469ae9eec9773bf50c8744787feaf7a0ec354.jpg" class="fr-fic fr-dib fr-fir" style="width: 450px;">Remember to stay persistent with your strategy. High-interest debts usually take a long time to pay off, so you should be prepared for the journey.</p><h4 id="isPasted"><strong>How To Tackle High-Interest Debt?</strong></h4><p id="isPasted">Tackling high-interest debt is a daunting task. However, it can be done with discipline and proper strategy. Here are a few steps to tackle high-interest debt:</p><h4 id="isPasted"><strong>Debt Consolidation</strong></h4><p id="isPasted">One of the best ways to tackle multiple high-interest debts is to <a href="https://www.ovlg.com/debt-consolidation/" title="" target="_blank" rel="noopener noreferrer">consolidate debts</a> into one single loan with a lower interest rate. The process of debt consolidation can be done by taking out a personal loan or a balance transfer credit card. If you are considering debt consolidation, make sure to do your research and consult an expert.</p><p>Obtaining a debt consolidation loan is difficult without a good credit score. To boost your chances of being approved, you should pay off as much accumulated debt as possible before applying to increase your credit score and consolidate the rest you cannot pay off. The following two methods can help to pay off most of your debts.</p><h4 id="isPasted"><strong>The "</strong><a href="https://www.ramseysolutions.com/debt/how-the-debt-snowball-method-works" title="" target="_blank" rel="noopener noreferrer"><strong>Snowball Method</strong></a><strong>"</strong></h4><p id="isPasted">In this method, you pay off the smallest of all your high-interest loans first as quickly as possible. Once it is paid, you take the cash you were putting toward that payment and shift it onto the next smallest high-interest debt you owe. Since progress is seen quickly in this method, it is quite motivating. If you're motivated by a quick win, then the snowball method is better.</p><h4 id="isPasted"><strong>The "</strong><a href="https://www.forbes.com/advisor/debt-relief/debt-avalanche-method-how-it-works/" title="" target="_blank" rel="noopener noreferrer"><strong>Avalanche Method</strong></a><strong>"</strong></h4><p id="isPasted">In contrast, this method focuses on paying the loan with the highest interest rate first. You put that cash toward the account with the next highest interest rate when it is paid off. The process goes on until you are done with all your debt. If you are analytical and patient, this method may be for you. It may take a little longer to roll over to your following account, but if you stick to the plan, you should save money in the long run.</p><h4 id="isPasted"><strong>Credit Counseling</strong></h4><p id="isPasted">If you have no idea how to use these strategies or where to start, credit counseling will be your thing. Your credit counselor will work with you to create a budget, teach you to manage your finances better, and even negotiate lower interest rates and monthly payments with your creditor.</p><h4 id="isPasted"><strong>Keep Future Debt in Check</strong></h4><p id="isPasted">Keeping possible future debts in mind should also be part of your consideration. If you don't take care of it properly, you will again get into the same loop of accumulating high-interest debt and paying it off.</p><p>By determining what led to the debt in the first place, you can get to the root of the problem and come up with a solution. If it was overspending because you're struggling to live within your means, it might be time to revisit your expenses and commit to a budget.</p><p>After all, you're doing the hard work of paying down debt so it's important to know how not to build it back up again.</p><h4 id="isPasted"><strong>Conclusion</strong></h4><p id="isPasted">You must remember that taking action on high-interest debt is crucial for managing and reducing overall debt. The longer high-interest debt is left unpaid, the more it will accumulate and the harder it will become to pay off.</p><p>With the new year, 2023, presenting an opportunity for a fresh start, it is the perfect time for you to take the first step toward getting out of debt.</p><p>Whatever the first step, it is crucial to start taking action now to work towards a debt-free future. Don't let high-interest debt hold you back any longer; take control of your finances and make a plan to pay off your debt.</p><p id="isPasted"><strong>About The Author:</strong></p><p><span style="font-size: 10px;">Lyle Solomon has extensive legal experience, in-depth knowledge, and experience in consumer finance and writing. He has been a member of the California State Bar since 2003. He graduated from the University of the Pacifics McGeorge School of Law in Sacramento, California, in 1998 and currently works for the</span><span style="font-size: 10px;"><a href="https://www.ovlg.com" title="" target="_blank" rel="noopener noreferrer">Oak View Law Group</a></span><span style="font-size: 10px;">in California as a principal attorney.</span></p><p><br></p>]]></content:encoded>
<link>https://www.financialservicedirectory.com/blog/mastering-debt-a-2023-guide-to-prioritizing-and-eliminating-high-interest-debt</link>
<pubDate>Fri, 14 Apr 2023 09:11:00 -0500</pubDate>
<category>Financial Planning</category>
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<guid>https://www.financialservicedirectory.com/blog/10-digital-marketing-trends-for-banks</guid>
<title><![CDATA[10 Digital Marketing Trends for Banks]]></title>
<description> Banks face stiff competition from non-banking financial institutions, digital banks, and fintech startups in today's digital age. To stay ahead of the competition, banks must embrace digital marketing trends to reach customers where they are: onlin...</description>
<content:encoded><![CDATA[<p dir="ltr" style="line-height:1.38;margin-top:0pt;margin-bottom:0pt;" id="isPasted"><span style="font-size:11pt;font-family:Arial;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;"><img src="https://www.financialservicedirectory.com/images/member_uploads/member_733eb27205335934f327e5661d900844/86cf28a05f1aec418b54b07b3f06eaedaed6257a.jpg" class="fr-fic fr-dib">Banks face stiff competition from non-banking financial institutions, digital banks, and fintech startups in today's digital age. To stay ahead of the competition, banks must embrace digital marketing trends to reach customers where they are: online. In this blog post, we'll explore ten digital marketing trends for banks that can help them increase their online presence and grow their customer base.</span></p><p><br></p><ol style="margin-top:0;margin-bottom:0;padding-inline-start:48px;"><li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Arial;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;" aria-level="1"><p dir="ltr" style="line-height:1.38;margin-top:0pt;margin-bottom:0pt;" role="presentation"><span style="font-size:11pt;font-family:Arial;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Video Marketing</span></p></li></ol><p dir="ltr" style="line-height:1.38;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Arial;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">A video is a powerful tool for banks to engage with customers and communicate complex financial information. Videos can be used for product demos, tutorials, educational content, and promotional messages. By 2022, the video will make up 82% of all internet traffic, making it a crucial part of any digital marketing strategy.</span></p><p><br></p><ol style="margin-top:0;margin-bottom:0;padding-inline-start:48px;" start="2"><li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Arial;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;" aria-level="1"><p dir="ltr" style="line-height:1.38;margin-top:0pt;margin-bottom:0pt;" role="presentation"><span style="font-size:11pt;font-family:Arial;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Personalization</span></p></li></ol><p dir="ltr" style="line-height:1.38;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Arial;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Personalization is key to building customer loyalty and increasing engagement. Banks can use data analytics and customer insights to deliver personalized content and offers relevant to individual customers. Personalization can include targeted emails, SMS messages, and social media ads.</span></p><p><br></p><ol style="margin-top:0;margin-bottom:0;padding-inline-start:48px;" start="3"><li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Arial;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;" aria-level="1"><p dir="ltr" style="line-height:1.38;margin-top:0pt;margin-bottom:0pt;" role="presentation"><span style="font-size:11pt;font-family:Arial;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Mobile-first strategy </span></p></li></ol><p dir="ltr" style="line-height:1.38;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Arial;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">With more than 3.8 billion smartphone users worldwide, a mobile-first strategy is essential for banks to reach customers on the go. A mobile-first strategy involves designing websites, apps, and marketing campaigns with mobile devices in mind.</span></p><p><br></p><ol style="margin-top:0;margin-bottom:0;padding-inline-start:48px;" start="4"><li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Arial;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;" aria-level="1"><p dir="ltr" style="line-height:1.38;margin-top:0pt;margin-bottom:0pt;" role="presentation"><span style="font-size:11pt;font-family:Arial;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Voice search optimization</span></p></li></ol><p dir="ltr" style="line-height:1.38;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Arial;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">With the rise of voice assistants like Amazon Alexa and Google Assistant, banks need to optimize their content for voice searches. This includes using conversational language, optimizing for long-tail keywords, and creating FAQs to answer common questions quickly.</span></p><p><br></p><ol style="margin-top:0;margin-bottom:0;padding-inline-start:48px;" start="5"><li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Arial;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;" aria-level="1"><p dir="ltr" style="line-height:1.38;margin-top:0pt;margin-bottom:0pt;" role="presentation"><span style="font-size:11pt;font-family:Arial;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Chatbots and AI</span></p></li></ol><p dir="ltr" style="line-height:1.38;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Arial;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Chatbots and AI-powered customer service can help banks provide 24/7 support, answer customer queries, and provide personalized recommendations. Chatbots can also be used for lead generation, customer onboarding, and account management.</span></p><p><br></p><ol style="margin-top:0;margin-bottom:0;padding-inline-start:48px;" start="6"><li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Arial;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;" aria-level="1"><p dir="ltr" style="line-height:1.38;margin-top:0pt;margin-bottom:0pt;" role="presentation"><span style="font-size:11pt;font-family:Arial;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Influencer marketing</span></p></li></ol><p dir="ltr" style="line-height:1.38;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Arial;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Influencer marketing involves partnering with influencers with a large social media following to promote bank products and services. Influencer marketing can help banks reach a wider audience and build customer trust.</span></p><p><br></p><ol style="margin-top:0;margin-bottom:0;padding-inline-start:48px;" start="7"><li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Arial;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;" aria-level="1"><p dir="ltr" style="line-height:1.38;margin-top:0pt;margin-bottom:0pt;" role="presentation"><span style="font-size:11pt;font-family:Arial;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Social media marketing</span></p></li></ol><p dir="ltr" style="line-height:1.38;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Arial;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Social media platforms like Facebook, Twitter, LinkedIn, and Instagram are powerful tools for banks to engage with customers, build brand awareness, and drive website traffic. Banks can use social media to share informative content, promote products and services, and run targeted ad campaigns.</span></p><p><br></p><ol style="margin-top:0;margin-bottom:0;padding-inline-start:48px;" start="8"><li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Arial;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;" aria-level="1"><p dir="ltr" style="line-height:1.38;margin-top:0pt;margin-bottom:0pt;" role="presentation"><span style="font-size:11pt;font-family:Arial;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Search engine optimization (SEO)</span></p></li></ol><p dir="ltr" style="line-height:1.38;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Arial;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">SEO is optimizing a website to rank higher in search engine results pages (SERPs). Banks can use SEO to increase website traffic, generate leads, and improve their online visibility. This involves optimizing website content, building backlinks, and using relevant keywords.</span></p><p><br></p><ol style="margin-top:0;margin-bottom:0;padding-inline-start:48px;" start="9"><li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Arial;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;" aria-level="1"><p dir="ltr" style="line-height:1.38;margin-top:0pt;margin-bottom:0pt;" role="presentation"><span style="font-size:11pt;font-family:Arial;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Content marketing</span></p></li></ol><p dir="ltr" style="line-height:1.38;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Arial;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Content marketing involves creating and sharing informative content to attract and retain customers. Banks can use content marketing to provide financial advice, showcase their expertise, and promote their products and services. Content marketing can include blog posts, infographics, videos, and social media posts.</span></p><p><br></p><ol style="margin-top:0;margin-bottom:0;padding-inline-start:48px;" start="10"><li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Arial;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;" aria-level="1"><p dir="ltr" style="line-height:1.38;margin-top:0pt;margin-bottom:0pt;" role="presentation"><span style="font-size:11pt;font-family:Arial;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Data Analytics</span></p></li></ol><p dir="ltr" style="line-height:1.38;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:11pt;font-family:Arial;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Data analytics is essential for measuring the effectiveness of digital marketing campaigns and making data-driven decisions. Banks can use data analytics to track website traffic, social media engagement, lead generation, and customer behavior. This can help banks optimize their marketing strategies and improve their ROI.</span></p><p><br></p><p dir="ltr" style="line-height:1.38;margin-top:0pt;margin-bottom:0pt;"><span style="font-size:13pt;font-family:Arial;color:#000000;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Hiring a</span><a href="https://www.rizenmetrics.com/finance-banks/" style="text-decoration:none;"><span style="font-size:13pt;font-family:Arial;color:#1155cc;background-color:transparent;font-weight:700;font-style:normal;font-variant:normal;text-decoration:underline;-webkit-text-decoration-skip:none;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">Digital Marketing Agency for Banks</span></a></p><p><span style="font-size:11pt;font-family:Arial;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">In conclusion, banks must embrace digital marketing trends to remain competitive in today's digital age. Hiring a digital marketing agency can help banks implement these trends and create effective marketing campaigns that drive results. By using a combination of video marketing, personalization, mobile-first strategies, chatbots and AI, social media marketing, SEO, content marketing, influencer marketing, voice search optimization, and data analytics, banks can increase their online presence and grow their customer base.</span><a href="https://www.rizenmetrics.com/finance-banks/" style="text-decoration:none;"><span style="font-size:11pt;font-family:Arial;color:#1155cc;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:underline;-webkit-text-decoration-skip:none;text-decoration-skip-ink:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">RiZen Metrics</span></a><span style="font-size:11pt;font-family:Arial;color:#000000;background-color:transparent;font-weight:400;font-style:normal;font-variant:normal;text-decoration:none;vertical-align:baseline;white-space:pre;white-space:pre-wrap;">is a digital marketing agency specializing in the banking and financial industry.</span></p><p><a data-fr-linked="true" href="https://us05web.zoom.us/j/84697784701?pwd=bDJMVTRBNlFZWmZOUTU4U0l0SWE2UT09" id="isPasted"></a><br></p>]]></content:encoded>
<link>https://www.financialservicedirectory.com/blog/10-digital-marketing-trends-for-banks</link>
<pubDate>Sat, 01 Apr 2023 06:47:00 -0500</pubDate>
<category>Financial Planning</category>
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<guid>https://www.financialservicedirectory.com/blog/investing-during-an-economic-downturn-why-it-s-important-and-how-to-do-it</guid>
<title><![CDATA[Investing During an Economic Downturn: Why It's Important and How to Do It]]></title>
<description>Investing during an economic downturn might sound like a counterintuitive idea to many people. When the economy is in a slump, people often shy away from investing, fearing the risks of losing money. However, investing during a downturn can be a smar...</description>
<content:encoded><![CDATA[<p id="isPasted">Investing during an economic downturn might sound like a counterintuitive idea to many people. When the economy is in a slump, people often shy away from investing, fearing the risks of losing money. However, investing during a downturn can be a smart move, and there are several reasons for that. In this article, we will discuss why it's important to invest during an economic downturn, and how you can do it effectively.</p><h3><strong>The Importance of Investing During an Economic Downturn:</strong></h3><h4 style="margin-left: 20px;"><strong>1. Lower Prices:</strong></h4><p style="margin-left: 20px;">During an economic downturn, the prices of stocks, real estate, and other investments often go down. This can be an excellent opportunity for investors to buy assets at a lower price than they would in a booming economy. For example, during the 2008 financial crisis, the S&P 500 fell by 56%, and many companies' stocks were heavily discounted. However, those who invested during that period reaped substantial returns when the economy recovered.</p><h4 style="margin-left: 20px;"><strong>2. Higher Returns:</strong></h4><p style="margin-left: 20px;">When prices are low, the potential for returns is higher. Suppose you buy a stock for $50 during an economic downturn, and it rises to $100 when the economy recovers. In that case, you have made a 100% return on your investment. This is why many investors refer to economic downturns as "buying opportunities."</p><h4 style="margin-left: 20px;"><strong>3. Diversification:</strong></h4><p style="margin-left: 20px;">Investing during an economic downturn can also help diversify your investment portfolio. When you invest in a variety of assets, you spread the risk and reduce the impact of any single asset's poor performance. This can help protect your investments during times of economic uncertainty.</p><h4 style="margin-left: 20px;"><strong>4. Long-term Growth:</strong></h4><p style="margin-left: 20px;">Investing during an economic downturn can also be a smart long-term strategy. The economy goes through cycles of boom and bust, and while downturns can be painful, they are an essential part of the economic cycle. Those who invest during the downturns often reap the benefits of growth when the economy recovers.</p><h3><strong>How to Invest During an Economic Downturn:</strong></h3><h4 style="margin-left: 20px;"><strong>1. Evaluate Your Risk Tolerance:</strong></h4><p style="margin-left: 20px;">Investing during an economic downturn carries risks, so it's essential to evaluate your risk tolerance before investing. If you are risk-averse, you may want to invest in assets that are less volatile, such as bonds or index funds. However, if you have a higher risk tolerance, you may want to invest in individual stocks that have a higher potential for returns.</p><h4 style="margin-left: 20px;"><strong>2. Do Your Research:</strong></h4><p style="margin-left: 20px;">Investing in individual stocks during an economic downturn requires research. You want to invest in companies that are likely to survive the economic downturn and emerge stronger when the economy recovers. Look for companies with a strong balance sheet, a good track record, and a competitive advantage in their industry.</p><h4 style="margin-left: 20px;"><strong>3. Consider Real Estate:</strong></h4><p style="margin-left: 20px;">Real estate can be an excellent investment during an economic downturn. When the economy is in a slump, home prices often fall, and you may be able to buy properties at a discount. You can then rent out the property and generate income, or hold onto the property until the economy recovers and sell it for a profit.</p><h4 style="margin-left: 20px;"><strong>4. Invest in Index Funds:</strong></h4><p style="margin-left: 20px;">Investing in index funds can be a smart move during an economic downturn. Index funds track the performance of a specific market index, such as the S&P 500. When the economy is in a slump, the index funds will go down, but they will also recover when the economy bounces back. This can be a low-risk way to invest during an economic downturn.</p><h4 style="margin-left: 20px;"><strong>5. Invest in Precious Metals:</strong></h4><p style="margin-left: 20px;">Investing in precious metals such as gold and silver can also be a good strategy during an economic downturn. When the economy is in a slump, investors often flock to precious metals as a safe haven, driving up their prices. This can provide a hedge against inflation and a way to diversify your portfolio.</p><h4><strong>Statistics:</strong></h4><p>There are several examples of how investing during an economic downturn can be a smart move. For example, during the 2008 financial crisis, the S&P 500 fell by 56% between October 2007 and March 2009. However, investors who held onto their investments during that period made significant gains when the market recovered. By August 2020, the S&P 500 had surpassed its pre-crisis peak, growing by over 225% since March 2009.</p><p>Similarly, during the COVID-19 pandemic, the stock market experienced a sharp decline in March 2020, with the S&P 500 dropping by 34%. However, those who invested during that period have seen substantial gains, with the market recovering by over 85% as of March 2023.</p><p>Real estate is another area where investing during an economic downturn can pay off. During the 2008 financial crisis, home prices dropped by 30%, and many investors were able to buy properties at a discount. By 2020, home prices had recovered and were up by 66% from their 2012 low, according to the S&P CoreLogic Case-Shiller Home Price Indices</p><p>Investing during an economic downturn can be a smart move, as it can provide opportunities for lower-priced assets, higher returns, diversification, and long-term growth. However, it's essential to evaluate your risk tolerance and do your research before investing. You may want to consider investing in individual stocks, real estate, index funds, or precious metals. Investing during an economic downturn carries risks, but those who do their due diligence can reap the rewards when the economy recovers.</p><p>In summary, the key takeaway is that economic downturns are a natural part of the economic cycle and provide opportunities for investors who are willing to take risks. By investing wisely during an economic downturn, you can diversify your portfolio, potentially generate higher returns, and position yourself for long-term growth.</p>]]></content:encoded>
<link>https://www.financialservicedirectory.com/blog/investing-during-an-economic-downturn-why-it-s-important-and-how-to-do-it</link>
<pubDate>Tue, 28 Mar 2023 07:39:00 -0500</pubDate>
<category>Financial Planning</category>
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<guid>https://www.financialservicedirectory.com/blog/why-working-with-a-certified-financial-planner-is-better-than-using-a-robo-advisor</guid>
<title><![CDATA[Why Working With a Certified Financial Planner is Better Than Using a Robo Advisor]]></title>
<description>When it comes to managing your finances, there are a variety of options available to you. From online robo advisors to traditional financial planners, it can be difficult to decide which approach is best for your specific needs. While robo advisors o...</description>
<content:encoded><![CDATA[<p id="isPasted">When it comes to managing your finances, there are a variety of options available to you. From online robo advisors to traditional financial planners, it can be difficult to decide which approach is best for your specific needs. While robo advisors offer a simple and convenient way to invest, working with a certified financial planner (CFP) can provide a more personalized and comprehensive approach to financial planning. In this blog post, we will explore why working with a CFP is better than using a robo advisor.</p><h4><strong>What is a Certified Financial Planner?</strong></h4><p>A Certified Financial Planner (CFP) is a professional who has completed a rigorous training program and has passed a comprehensive exam covering all aspects of financial planning. CFPs must also adhere to a strict code of ethics and continuing education requirements. As a result, they are well-equipped to provide comprehensive financial planning services to their clients.</p><h4><strong>What is a Robo Advisor?</strong></h4><p>A robo advisor is an online platform that uses algorithms to provide automated investment advice. They typically use low-cost exchange-traded funds (ETFs) to build and manage portfolios. They require little to no human interaction, making them a convenient option for those who prefer a hands-off approach to investing.</p><h4><strong>Why Work with a CFP?</strong></h4><p id="isPasted" style="margin-left: 20px;"><strong>1. Personalized Approach to Financial Planning</strong></p><p id="isPasted" style="margin-left: 40px;">One of the biggest advantages of working with a CFP is the personalized approach they bring to financial planning. Unlike robo advisors, CFPs take a holistic view of their clients' financial situations, taking into account their unique circumstances, goals, and risk tolerance. They can provide personalized advice and recommendations tailored to each client's specific needs.</p><p id="isPasted" style="margin-left: 20px;"><strong>2. Comprehensive Financial Planning</strong></p><p id="isPasted" style="margin-left: 40px;">CFPs provide comprehensive financial planning services that go beyond just investing. They can help clients with budgeting, tax planning, retirement planning, estate planning, and more. This holistic approach ensures that all aspects of a client's financial situation are taken into account when creating a plan.</p><p id="isPasted" style="margin-left: 20px;"><strong>3. Human Interaction and Emotional Support</strong></p><p id="isPasted" style="margin-left: 40px;">While robo advisors provide a convenient and low-cost option for investing, they lack the human interaction that many clients need. CFPs provide emotional support and guidance, helping clients navigate difficult financial decisions and providing reassurance during market downturns.</p><p id="isPasted" style="margin-left: 20px;"><strong>4. Fiduciary Responsibility</strong></p><p id="isPasted" style="margin-left: 40px;">CFPs have a fiduciary responsibility to act in their clients' best interests. This means that they must put their clients' interests ahead of their own and provide unbiased advice. Robo advisors, on the other hand, are not held to the same fiduciary standard.</p><p id="isPasted" style="margin-left: 20px;"><strong>5. Higher Returns</strong></p><p id="isPasted" style="margin-left: 40px;">Studies have shown that working with a CFP can result in higher returns on investment compared to using a robo advisor. According to a study by Vanguard, working with a financial advisor can add up to 3% in net returns over time. This is due to the personalized advice and guidance that CFPs provide.</p><p id="isPasted" style="margin-left: 20px;"><strong>6. Better Risk Management</strong></p><p id="isPasted" style="margin-left: 40px;">CFPs are trained to help clients manage risk and create a diversified portfolio that aligns with their risk tolerance. They can provide guidance on when to adjust a portfolio based on market conditions and help clients avoid making emotional decisions during market downturns. Robo advisors, on the other hand, may not be able to provide the same level of personalized risk management.</p><p>While robo advisors offer a convenient and low-cost option for investing, working with a CFP provides a more personalized and comprehensive approach to financial planning. CFPs can help clients with all aspects of their financial situation, provide emotional support, and act in their clients' best interests. They also have a proven track record of providing higher returns and better risk management compared to robo advisors. If you're looking for a personalized approach to financial planning, working with a CFP is the way to go.</p>]]></content:encoded>
<link>https://www.financialservicedirectory.com/blog/why-working-with-a-certified-financial-planner-is-better-than-using-a-robo-advisor</link>
<pubDate>Mon, 27 Mar 2023 07:51:00 -0500</pubDate>
<category>Financial Planning</category>
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<guid>https://www.financialservicedirectory.com/blog/important-things-to-keep-in-mind-when-lending-money</guid>
<title><![CDATA[Important Things to Keep in Mind When Lending Money]]></title>
<description>When it comes to lending money, it can be difficult to know where to turn. There are several important things to keep in mind before committing to any type of lending. These include Interest rates, the Contract between the lender and borrower, the le...</description>
<content:encoded><![CDATA[<p style='margin-top:0cm;margin-right:0cm;margin-bottom:8.0pt;margin-left:0cm;line-height:107%;font-size:15px;font-family:"Calibri",sans-serif;'>When it comes to lending money, it can be difficult to know where to turn. There are several important things to keep in mind before committing to any type of lending. These include Interest rates, the Contract between the lender and borrower, the legalities of <span style="color:#0563C1;text-decoration:underline;"><strong><span style='font-size:15px;line-height:107%;font-family:"Segoe UI Historic",sans-serif;background:#E4E6EB;text-decoration:none;'><a href="https://cdrates.lendingmoney.com/"><span style="text-decoration:none;">Lending Money</span></a></span></strong></span><span style='font-size:15px;line-height:107%;font-family:"Segoe UI Historic",sans-serif;color:#050505;background:#E4E6EB;'></span>to a family member, and the consequences of defaulting on a loan. In addition, it's important to be precise about how much money you need, how you plan to use it, and your repayment strategy.</p><h1 style='margin-top:12.0pt;margin-right:0cm;margin-bottom:.0001pt;margin-left:0cm;line-height:107%;font-size:21px;font-family:"Calibri Light",sans-serif;color:#2F5496;font-weight:normal;'>Interest rates</h1><p><br></p><p style='margin-top:0cm;margin-right:0cm;margin-bottom:8.0pt;margin-left:0cm;line-height:107%;font-size:15px;font-family:"Calibri",sans-serif;'>Interest rates are the price we pay to borrow money. They vary widely depending on the type of loan. You might pay 3.5% on an auto loan, 13.5% on a credit card, or 4% on a mortgage. You may also earn a small amount of interest on your savings. These rates are important in our financial life, and should not be ignored.</p><p style='margin-top:0cm;margin-right:0cm;margin-bottom:8.0pt;margin-left:0cm;line-height:107%;font-size:15px;font-family:"Calibri",sans-serif;'>Interest rates are based on several factors, including your credit score, your income, and how long you will be repaying the loan. In addition, these rates can change based on economic trends. This is especially true of home mortgages. Therefore, it is important to understand interest rates before you accept a loan.</p><h1 style='margin-top:12.0pt;margin-right:0cm;margin-bottom:.0001pt;margin-left:0cm;line-height:107%;font-size:21px;font-family:"Calibri Light",sans-serif;color:#2F5496;font-weight:normal;'>Contracts between lender and borrower</h1><p><br></p><p style='margin-top:0cm;margin-right:0cm;margin-bottom:8.0pt;margin-left:0cm;line-height:107%;font-size:15px;font-family:"Calibri",sans-serif;'>A loan agreement is a written contract between a lender and borrower defining the responsibilities of both parties. It should comply with federal and state regulations to protect both parties. Depending on the type of loan, the contract may include various covenants and representations by the borrower. Here are a few examples of loan agreements. If you are considering borrowing money from a friend or family member, it is important to understand your obligations before signing a loan agreement.</p><p style='margin-top:0cm;margin-right:0cm;margin-bottom:8.0pt;margin-left:0cm;line-height:107%;font-size:15px;font-family:"Calibri",sans-serif;'>A loan agreement is essential when lending money, and it should include the names and contact information of both parties. Borrower's and lender's personal information, including their legal names, addresses, social security numbers, and telephone numbers, must be included. The contract must also have a severability clause. This clause states that if one condition is unenforceable, the rest of the Terms remain in effect. Another important clause is the entire agreement clause, which defines the final agreement, superseding any previous agreement.</p><h1 style='margin-top:12.0pt;margin-right:0cm;margin-bottom:.0001pt;margin-left:0cm;line-height:107%;font-size:21px;font-family:"Calibri Light",sans-serif;color:#2F5496;font-weight:normal;'>The legality of lending money to loved ones</h1><h1 style='margin-top:12.0pt;margin-right:0cm;margin-bottom:.0001pt;margin-left:0cm;line-height:107%;font-size:21px;font-family:"Calibri Light",sans-serif;color:#2F5496;font-weight:normal;'><br></h1><p style='margin-top:0cm;margin-right:0cm;margin-bottom:8.0pt;margin-left:0cm;line-height:107%;font-size:15px;font-family:"Calibri",sans-serif;'>The legality of lending money to loved ones must be considered before you do so. You should treat this type of loan as if you were taking out a loan from a bank. This means you should be prepared to sign a legal document outlining your obligations to the lender. This document is called a promissory note.</p><p style='margin-top:0cm;margin-right:0cm;margin-bottom:8.0pt;margin-left:0cm;line-height:107%;font-size:15px;font-family:"Calibri",sans-serif;'><img src="https://www.financialservicedirectory.com/images/member_uploads/member_733eb27205335934f327e5661d900844/d67a219d75b5cef9e24793e421b3bbc5ba0b25bc.jpeg" class="fr-fic fr-dib"></p><p style='margin-top:0cm;margin-right:0cm;margin-bottom:8.0pt;margin-left:0cm;line-height:107%;font-size:15px;font-family:"Calibri",sans-serif;'>When lending money to family members, you must set clear terms and conditions for the transaction. Although many people think that family loans are interest-free, you should be careful. The law presumes that you expect the person to repay the money. If the loan is for a long period (more than 18 months), then it may be subject to interest.</p><h1 style='margin-top:12.0pt;margin-right:0cm;margin-bottom:.0001pt;margin-left:0cm;line-height:107%;font-size:21px;font-family:"Calibri Light",sans-serif;color:#2F5496;font-weight:normal;'>Legal consequences of defaulting on a loan</h1><p><br></p><p style='margin-top:0cm;margin-right:0cm;margin-bottom:8.0pt;margin-left:0cm;line-height:107%;font-size:15px;font-family:"Calibri",sans-serif;'>Defaulting on a loan can have several legal consequences. First and foremost, it can lower your credit score, which can lead to highly high-interest rates. In addition, a lender that has lent you money may be forced to seize your assets. In some cases, this can include your home or car. For this reason, it is important to contact your lender and learn more about the consequences of defaulting on a loan.</p><p style='margin-top:0cm;margin-right:0cm;margin-bottom:8.0pt;margin-left:0cm;line-height:107%;font-size:15px;font-family:"Calibri",sans-serif;'>Although defaulting on a loan can be an uncomfortable experience, there are several steps you can take to minimize the financial damage. If you're applying for a personal loan, you should first determine whether you'll be able to afford it. If you're applying for a loan to purchase a car, you may be able to avoid the most severe consequences by paying off the loan in full.</p><h1 style='margin-top:12.0pt;margin-right:0cm;margin-bottom:.0001pt;margin-left:0cm;line-height:107%;font-size:21px;font-family:"Calibri Light",sans-serif;color:#2F5496;font-weight:normal;'>Checking your finances before making a loan</h1><p><br></p><p style='margin-top:0cm;margin-right:0cm;margin-bottom:8.0pt;margin-left:0cm;line-height:107%;font-size:15px;font-family:"Calibri",sans-serif;'>When considering a loan, it is vital to check your finances first. Your payment history on your credit cards and loans, including any missed payments or accounts in collections, should be analyzed. You also need to check how much debt you owe compared to your available credit line and original loan balance. The length of time you've been borrowing money also matters. You also need to consider new lines of credit, as well as accounts that you've opened in the past six to twelve months.</p>]]></content:encoded>
<link>https://www.financialservicedirectory.com/blog/important-things-to-keep-in-mind-when-lending-money</link>
<pubDate>Mon, 31 Oct 2022 03:29:00 -0500</pubDate>
<category>Financial Planning</category>
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<guid>https://www.financialservicedirectory.com/blog/what-is-a-fixed-indexed-annuity</guid>
<title><![CDATA[What is a Fixed Indexed Annuity?]]></title>
<description>People are always looking for the perfect investment. Clients want to earn the highest interest possible without putting any of their money at risk. These sorts of investments have never existed until now. A Fixed Indexed Annuity (FIA) is a guarante...</description>
<content:encoded><![CDATA[<p id="isPasted">People are always looking for the perfect investment. Clients want to earn the highest interest possible without putting any of their money at risk. These sorts of investments have never existed until now. A Fixed Indexed Annuity (FIA) is a guaranteed insurance product that offers above average returns with no market risk to principal and no management fees ever.</p><p>In this historically low interest rate environment, many clients are reconsidering where to park their hard earned cash for the long haul. Certificates of deposit, savings accounts and money markets are literally paying next to nothing and the stock market is at the highest levels in recorded history. So where can clients position their money and earn superior returns without worrying about losing a penny? FIAs offer real double digit returns in up markets without any risk to principal in down markets. Folks everywhere are not only taking notice, but investors are flocking to FIAs.</p><p>So how does a FIA actually work? The annuitant buys a traditional guaranteed fixed annuity that also allows him or her to participate in an external index via the carriers trading desk. The carrier purchases options against the index either monthly or annually. When the index is up, the options are exercised and the annuitant earns interest, usually subject to a cap or a spread. When the index is down during the same time period, the options are allowed to expire and the annuitant is credited the contracts minimum guarantee of 0%.</p><p>So lets review, when the market index goes up, the annuitant has the ability to earn superior interest and when the market index goes down, the annuitant loses nothing. Further, since the carrier is only tracking the index on a 12 month basis, annuitants do not need to worry about current market levels or volume. Policies are only capturing gains in the next 12 month period. There is never any risk of principal or of losing any prior year credits which are all automatically reset into the policy accumulation value on the policy anniversary.</p><h4 id="isPasted"><strong>Fixed Indexed Annuities offer clients the following 12 guarantees:<img src="https://www.financialservicedirectory.com/images/member_uploads/member_9a9c00a258597b739d28a2e2b6c53db5/777fe739d310dcd155590657987c2037b20b5412.jpg" class="fr-fic fr-dib fr-fir"></strong></h4><ol><li id="isPasted">100% Principal Guarantee</li><li>100% Participation in S&P 500 Daily Risk Control Index</li><li>100% Guaranteed Fixed Interest Rate Option</li><li>Minimum Annual Guarantee</li><li>No Sales Charges</li><li>No Asset Management Fees ever</li><li>No Taxes are due until distributions are taken</li><li>Annual Reset Feature credits all interest into principal annually</li><li>Access to 10% of your principal annually</li><li>Loans available up to $50,000 in non-qualified accounts</li><li>Death Benefits bypass probate</li><li>Income options you cannot outlive2</li></ol><p id="isPasted">Over the last 20 years, we have seen scores of clients earn double digit returns in bull markets, while losing nothing during down markets. Time and time again, clients are astounded by how they can earn so much interest with no principal risk. In 2021 many of our clients earned over 17% in their FIAs.3 There are few products that offer returns like this with a 100% principal guarantee. FIAs can be purchased with funds inside an existing IRA or when money is rolled over from a qualified plan at retirement.</p><h4 id="isPasted"><strong>Do you own a Fixed Indexed Annuity?</strong></h4><p id="isPasted">For more information about Fixed Indexed Annuities, please call Andrew J. Cavaliere, CLTC at 914-682-2190 or toll free at 877-676-9900. Andrew is certified in Long-Term Care (CLTC) from the Corporation for Long-Term Care Certification, Inc. Andrew is a member in good standing of the Million Dollar Round Table (MDRT), which is the premier Association of financial professionals nationally. Andrews offices are located at 50 Main Street, White Plains, NY 10606 and at 263 Tresser Blvd, 9th Floor, Stanford, CT 06901.</p><p id="isPasted"><span style="font-size: 10px;">Surrender charges may apply if withdrawals are taken in excess of the annual free withdrawal schedule.</span></p><p><span style="font-size: 10px;">2. Lincoln National Life, Fixed Indexed Annuity 2021.</span></p><p><span style="font-size: 10px;">3. Keystone Financial Associates client statements. </span> </p>]]></content:encoded>
<link>https://www.financialservicedirectory.com/blog/what-is-a-fixed-indexed-annuity</link>
<pubDate>Tue, 21 Dec 2021 17:05:00 -0500</pubDate>
<category>Insurance</category>
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<guid>https://www.financialservicedirectory.com/blog/ways-for-immigrants-to-support-family-back-home</guid>
<title><![CDATA[Ways for Immigrants to Support Family Back Home]]></title>
<description>If youve immigrated to the US and have loved ones living in Vietnam or somewhere else, maintaining a connection with them is probably always on your mind. While nothing can replace the feeling of spending time with family, there are ways to keep your...</description>
<content:encoded><![CDATA[<p id="isPasted">If youve immigrated to the US and have loved ones living in Vietnam or somewhere else, maintaining a connection with them is probably always on your mind. While nothing can replace the feeling of spending time with family, there are ways to keep your bond strong.</p><p>The Financial Service Directory welcomes you, and we invite you to read on for several great ways to support your family, wherever they are.</p><h4><strong>Financial support</strong></h4><p id="isPasted">If you provide financial support to your community or family, youll want to consider the most economical way to do so. With the rise of internet banking, apps, and easy transfers, there is no shortage of options. However, not all of these are good long-term solutions especially if they have hefty service fees or unfavorable exchange rates. Be sure to research your options ahead of time to find the best fit.</p><p>In addition to the type of banking service you use, youll need to consider timing. Keep an eye on international exchange rates so that you can take advantage of fluctuations. Even a small change in a favorable direction will mean that your family receives more funds. Depending on your situation, it may be more economical to send over larger sums of money than frequent, smaller ones. Through a site like Remitly, you also have the option to send a secure deposit directly to a loved ones Visa debit card number, and you can always count on competitive exchange rates.</p><p>Finally, in order to have more funds to send back to your family and community, you may want to consider starting a business or side hustle. Whether you get started as a freelancer or start your own small business, doing so can be a great way to increase your income so that you can provide even more support to overseas families and communities.</p><h4 id="isPasted"><strong>Technical support</strong></h4><p id="isPasted">If your relatives are not tech-savvy, keeping in touch can be a challenge. It can drive you further apart if you arent able to overcome technological barriers. If this is the case for you, consider giving your loved ones a tutorial in video calling, internet banking, social media, or emailing. While some older adults may show resistance, being able to stay connected with you could help them overcome their dislike of new technology.</p><p>If a reliable internet connection is a barrier to staying in touch, you can show your support by suggesting possible solutions. Research mobile and internet service providers in their area to see if there are alternatives. Other options to boost their internet access include creating an internet hotspot, setting up a mesh Wifi network, or getting a stronger antenna. If your family lives in a rural area with limited coverage, suggest places where they can get Wifi coverage easily (like when they make trips to a bigger town) such as a cafe, library, or friends house.</p><h4 id="isPasted"><strong>Emotional support</strong></h4><p id="isPasted">Moving abroad is an emotional roller coaster. Staying in touch with your family via video chat through a free or low-cost platform like Skype or Facebook Messenger is a great way to give and receive emotional support. Consider adding activities such as a shared meal or game during your calls to give you a more relaxed and organic way to connect. Families strengthen their bond by spending unstructured time together, so calls that mimic what you would do together in person can recreate that feeling.</p><p>Consider sending small, physical gifts as a way to provide a more palpable connection. Things that your loved ones can smell and touch will go a long way in making you feel closer. For example, instead of sending an electronic gift, mail an item of clothing, a book, or a meaningful object that you handpicked. Including a handwritten letter will make it feel more like a part of you has arrived in the post. Ask your family to send items from back home or from your childhood.</p><p>Although its never easy to be apart from loved ones or adjust to a new country, there are ways to make the world feel smaller. By showing financial, technical, and emotional support, youll put both you and your family in a great position to maintain your relationship. This will also make it easier for your family and community to support you in the ways you need it.</p>]]></content:encoded>
<link>https://www.financialservicedirectory.com/blog/ways-for-immigrants-to-support-family-back-home</link>
<pubDate>Fri, 14 Jan 2022 10:22:00 -0500</pubDate>
<category>Financial Planning</category>
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<guid>https://www.financialservicedirectory.com/blog/tax-advice-in-raleigh-nc</guid>
<title><![CDATA[Tax Advice in Raleigh NC]]></title>
<description> Fortress Financial Partners Specialized Knowledge For Tax Planning Complying with the tax code is far easier than proactively applying the code in the most efficient manner possible. For high-net-worth families, some tax professionals may lack the ...</description>
<content:encoded><![CDATA[<h3><strong>Fortress Financial Partners Specialized Knowledge For Tax Planning</strong></h3><p>Complying with the tax code is far easier than proactively applying the code in the most efficient manner possible. For high-net-worth families, some tax professionals may lack the extensive training needed to guide them through this byzantine tax system. Did you know that the CPA exam consists of four sections and only one of those sections is about taxes? Well over half of the exam is about auditing, business, and financial reporting.</p><p>When it comes to tax planning, specialized knowledge is critical. For this reason, Fortress formed a strategic partnership with a local tax and accounting firm. Drawing on the knowledge of not only CPAs, but also IRS Enrolled Agents and Certified Tax Coaches (CTCs), this partnership enables Fortress to deliver a unique perspective to their clients. How unique is this perspective? While there are over 650,000 accountants practicing today, there are only 500 Certified Tax Coaches in the countryand Fortress clients now have access to one of them. According to the American Institute of Certified Tax Planners, CTCs are trained in proactive tax planning, specializing in finding deductions, credits, loopholes and strategies to help clients pay less in taxes.1</p><p><img src="https://www.financialservicedirectory.com/images/member_uploads/member_c9988c17a3fb0f31e3b985d5d4100e9b/49fbf1ebd636bbda8ab17abf78df71f6ff23a86c.jpg" style="width: 700px;" class="fr-fic fr-dib">While many firms focus their services on the preparation and filing of returns, Fortress focuses on the proper actions to take during the calendar year to optimize the outcome in April. We havent done our job unless weve explored every legal avenue to reduce the tax burden on our clients, explains Joe Grabar, MSFS, CMT, CFP, Founder and Managing Principal of Fortress Financial Partners.</p><p>Headquartered in Raleigh, N.C., Fortress Financial Partners is a boutique firm led by a team of specialists who focus exclusively on the needs of entrepreneurs, affluent families, and institutions. Together, the team has over 100 years of experience, with special expertise in sophisticated tax strategies.</p><p>Fortress has attracted a group of independent-minded professionals who will not be limited by artificial rules. If something is legal and its advantageous for our client, well recommend it, even though it usually takes a lot more effort on our part, says Chris Gure, RFC, PPC.</p><p>Some firms may limit their tax planning strategies to a narrow group of options. After all, looking outside familiar territory is a painstaking job, says Grabar. The analogy at work here goes to football. We always want to stay in bounds, but we always want to use the entire field, too. Surprisingly, many other professionals are only comfortable operating in the middle of the field, and thats a travesty for their clients. Think three yards and a cloud of dust versus a pro-style offense - which do you choose?</p><h4><strong>Excellent FundamentalsGreat Creative Plays</strong></h4><p><span class="fr-video fr-deletable fr-fvc fr-dvb fr-fvr" contenteditable="false" draggable="true"><iframe src="https://www.youtube.com/embed/uGktYrUJ3eM?&wmode=opaque" frameborder="0" allowfullscreen="" style="width: 400px; height: 225px;"></iframe></span>One of the many underutilized structures Fortress Financial Partners implements for clients is the Backdoor Roth IRA. A Backdoor Roth IRA is a complicated and IRS-sanctioned approach that allows high-earners to circumvent the income limits that would otherwise prohibit them from opening or contributing to a Roth IRA, says Grabar. Its amazing how many times we hear clients say, my accountant said I make too much money and cant do a Roth. That simply isnt true. The power of tax-free growth for clients in the highest tax brackets can be unbelievable.</p><p>Another example of customized tax planning relates to owners exiting their business and selling for cash. Such a transaction is subject to capital gains tax which can easily approach a 30% combined federal and state tax rate. Fortress recently assisted two clients in deferring this tax for 30 years under section 453 of the code. For a business owner, walking away with more money at closing versus incurring the tax liability can make a big difference. These clients cant thank us enough, says Gure.</p><p>More recently, Fortress aligned with Jill Homan, LEED AP and President of Javelin 19 which provides customized solutions to investors, developers, and real estate companies seeking to participate in Opportunity Zones2. Created as part of the 2017 tax law changes, this new incentive provides clients with significant tax savings through investing in properly structured Opportunity Zone investments in real estate. Clients have the potential to earn substantially higher after-tax returns by investing in an Opportunity Zone (OZ) project compared to a non-OZ project. We source OZ investment opportunities and advise clients on these specialized programs, says Homan.</p><p>Client outcomes may be enhanced further when coupling alternative investments such as private equity, private debt, mezzanine financing, hedge funds, structured products, bitcoin or other digital currencies, alongside advanced tax strategies. We take considerable time to determine the most efficient place to warehouse certain investments from a tax standpoint. By sheltering gains and dividends and interest earned, it compounds the growth rate when we can remove the tax drag, says Gure. Historically, a 60/40 blend of securities and fixed income helped insulate investors from big swings in the market. De-emphasizing fixed income and adding new alternative asset classes have the potential to improve returns without exposing too much to market losses.</p><p>We are committed to helping our clients reduce their tax burden and achieve the best outcome for their family and businesses, concludes Grabar. The Honorable Judge Learned Hand once said, Anyone may so arrange his affairs that his taxes shall be as low as possiblethere is not even a patriotic duty to increase one's taxes. Thats an axiom we live by.</p><p><br></p><h4><strong>Fortress Financial Partners</strong></h4><h4><strong>3110 Edwards Mill Road, Suite 200</strong></h4><h4><strong>Raleigh, NC 27612 | (919) 322-2761</strong></h4><h4><strong>info@fortressfp.com | <a href="//fortressfinancialpartners.com">fortressfinancialpartners.com</a></strong></h4><p><br></p><p><span style="font-size: 10px;">Securities offered through Fortress Private Ledger, LLC. Member FINRA/SIPC. Investing involves risks, and investment decisions should be based on your own goals, time horizon, and tolerance for risk. The return and principal value of investments will fluctuate as market conditions change. When sold, investments may be worth more or less than their original cost.</span></p><p><span style="font-size: 10px;">No investment is risk free; loss of principal is possible. Alternative investments involve specific risks that may be greater than those associated with traditional investments. Nothing in this article should be construed as investment advice or any recommendation or solicitation for any specific security or investment.</span></p><p><span style="font-size: 10px;">The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. The opinions expressed and material provided are for general information, and they should not be considered a solicitation for the purchase or sale of any security.</span></p><p><span style="font-size: 10px;">1 <a href="https://certifiedtaxcoach.com/why-choosectc/about/#:~:text=About Certified Tax Coaches&text=There are fewer than 500,have achieved this specialized designation">https://certifiedtaxcoach.com/why-choosectc/about/#:~:text=About Certified Tax Coaches&text=There are fewer than 500,have achieved this specialized designation</a></span></p><p><span style="font-size: 10px;">2 Opportunity Zones include speculative and illiquid investment risks. These risks include development completion and lack of liquidity, as well as regulation uncertainty, non-conforming territories, and investor mass exit, to name a few.</span></p>]]></content:encoded>
<link>https://www.financialservicedirectory.com/blog/tax-advice-in-raleigh-nc</link>
<pubDate>Mon, 05 Jul 2021 14:55:00 -0500</pubDate>
<category>Tax Planning</category>
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<guid>https://www.financialservicedirectory.com/blog/auto-insurance-comparison-shopping-in-des-moines-ia</guid>
<title><![CDATA[Auto Insurance Comparison Shopping in Des Moines, IA]]></title>
<description>Trying to find the best auto insurance can be a little like trying to solve a puzzle. You need to find a policy that fits your risks and a premium that fits your budget. You want everything to come together, but if a piece is missing, you might not g...</description>
<content:encoded><![CDATA[<p>Trying to find the best auto insurance can be a little like trying to solve a puzzle. You need to find a policy that fits your risks and a premium that fits your budget. You want everything to come together, but if a piece is missing, you might not get the coverage you need.</p><p>Even worse, you might not realize you dont have the right auto insurance coverage until something goes wrong. Every Auto Insurance company says they have a great deal but is it really the best deal for you? You wont know unless you compare multiple coverage offers. That may be easier said than done. There are so many variables that go into coverage that comparing insurance quotes can be like comparing apples and oranges.</p><p>Before you start auto insurance comparison shopping, take a moment to learn about the factors that impact your rates.</p><h4><strong>Insurance Coverage Type and Limits</strong></h4><p>Each state sets minimum requirements for Auto Insurance, but you dont really need to worry about this because an auto insurance company wont sell you a policy that doesnt satisfy your states minimum. Instead, you should focus on getting enough coverage for your needs. </p><p>If you want more coverage, youll have to pay more. This might seem like a bad thing when you pay your insurance premium. However, if you ever have to file a claim, you might be happy to have higher limits and more robust coverage. In the end, its a balancing act between how much you can pay now versus how much risk you want to take in the future.</p><h4><strong>Here are three things to consider when you</strong><a href="https://midwinsurance.com/insurance/personal-lines/car-insurance/" rel="noopener noreferrer" target="_blank" title=""><strong>compare Iowa auto insurance quotes</strong></a><strong>:</strong></h4><ul><li><strong>Coverage Types:</strong> Liability coverage will pay for injuries and damages to third parties if you cause a crash. If you want to protect your vehicle, youll need collision and comprehensive coverages.</li><li><strong>Policy Limits:</strong> Your policy limit is the maximum your insurer will pay for a liability claim. If the damages exceed the limit, you could be personally responsible for the difference. For this reason, it can be smart to go with higher limits, especially if you have personal assets to protect, like your retirement savings or home.</li><li><strong>Deductible:</strong> The deductible is the amount you pay out of pocket when you file a claim when your car is damaged. Choosing a higher deductible can lower your insurance premiums, but you need to be able to afford the deductible in case anything happens.</li></ul><h4><strong>Where and What You Drive</strong></h4><p><span class="fr-video fr-deletable fr-fvc fr-dvb fr-fvr" contenteditable="false" draggable="true"><iframe src="https://www.youtube.com/embed/hhiXg7phB-E?&wmode=opaque" frameborder="0" allowfullscreen="" style="width: 400px; height: 225px;"></iframe></span>The make and model of vehicle you drive can have a big impact on your Iowa Auto Insurance rates. More expensive cars typically require more coverage, because they are generally more expensive to repair. Safety matters as well, and certain safety and anti-theft features may result in a discount.</p><p>Your zip code is another issue. Some areas in Iowa are more prone to theft than others, and traffic and weather risks can also vary from place to place. How much you expect to drive every week can also make a difference. Greater mileage results in greater risk, and your rates can reflect this.</p><h4><strong>Your Driving History</strong></h4><p>Your driving history is an important factor determining your Iowa Auto Insurance rates. Insurance carriers may look back a few years to see if your driving history have included any of the following:</p><p>The number of tickets you have for speeding and other moving violations.</p><p>Any crashes youve been found responsible for.</p><p>Any DUIs or other serious violations.</p><p>Any insurance claims youve made. If a friend crashed your car and a claim is filed on your insurance policy, for example, your rates can go up.</p><h4><strong>Your Personal Information</strong></h4><p>When you apply for insurance, the insurance carrier will want to know a few things about you. This information can be used to determine your rates, although Iowa law may prevent some types of information from being used. Here are some of the things insurance carriers often look at:</p><ul><li><strong>Age:</strong> Younger drivers often have higher rates. Rates may increase again after around age 65 or 70.</li><li><strong>Gender:</strong> Women tend to have lower premiums than men.</li><li><strong>Credit Score:</strong> Some insurers may use your credit score to help calculate rates.</li><li><strong>Marital Status:</strong> Whether or not youre single can also impact your rates.</li><li><strong>Education:</strong> Some insurers use our level of education as part of their calculation.</li></ul><h4><strong>Your Potential Insurance Discounts</strong></h4><p>You may qualify for Auto Insurance discounts that bring your premium down. Discounts for safe drivers, good students, and anti-theft devices are common. Its also common to get a discount when you pay the full premium in advance, instead of paying month-to-month, or if you insure multiple cars on one policy. Your insurance carrier may have other discounts, as well, so we will make sure youre not missing out on anything.</p><h4><strong>Putting It All Together</strong></h4><p><img src="https://www.financialservicedirectory.com/images/member_uploads/member_9840eea7faee9a2935666a909c35c1ae/5349cdabe2c4b837a069b24ed8660e3e32ec5c4b.jpg" style="width: 400px;" class="fr-fic fr-dib fr-fir">Every insurance company does things a bit differently. Although they tend to look at the same basic factors, more or less, the weight they give to those factors may vary significantly. Right now, one insurance company might give you the best rates. If your situation changes, a different insurer might give you better rates.</p><p>Does all this sound overwhelming? It doesnt have to be.</p><p>Its true that theres a lot to consider when selecting the car insurance policy that best fits your needs but no one expects you to be an insurance expert. Thats what Independent Insurance Agents are for.</p><p>Captive agents work for a single insurance carrier. These are often the big recognizable names like State Farm, Farmers, or American Family. Agents from these companies can only show you options from their own company, even if those options are not ideal for you.</p><h4><strong>Let Us Help</strong></h4><p>We are an Independent Insurance agency that contracts with multiple insurance companies. This allows us to shop around for the most suitable coverage for your needs and budget.</p><p>When you work with us, youll answer a few basic questions. Our agent will guide you through the process and help you with anything youre not sure about. Then, we will do the heavy lifting of getting Iowa auto insurance quotes from a number of different insurance companies. Youll be presented with the options, and your agent can help you identify the one thats right for you.</p><p>Want to see how much you can save on car insurance? Contact us. Were here to help!</p><p></p><h4><strong>Midwest Insurance Solutions</strong></h4><h4><strong>815 Office Park Rd STE 4</strong></h4><h4><strong>West Des Moines, IA 50265</strong></h4><h4><strong>(515) 612-8436</strong></h4>]]></content:encoded>
<link>https://www.financialservicedirectory.com/blog/auto-insurance-comparison-shopping-in-des-moines-ia</link>
<pubDate>Thu, 01 Jul 2021 13:36:00 -0500</pubDate>
<category>Insurance</category>
</item>
<item>
<guid>https://www.financialservicedirectory.com/articles/irs-payment-plan</guid>
<title><![CDATA[IRS Payment Plan]]></title>
<description>Sometimes, despite your most optimistic assumptions and your accountants tax plans, you end up owing the IRS when you file your taxes. Managing your tax payments can be easy if you can simply write a check to cover the amount. But if your moneys tied...</description>
<content:encoded><![CDATA[<p data-uw-styling-context="true" id="isPasted" style="background: 0px 0px rgb(255, 255, 255) border: 0px; margin: 0px 0px 16px; padding: 0px; vertical-align: baseline; outline: 0px; font-size: 15px; line-height: 24px; color: rgb(68, 68, 68) font-family: Roboto; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;">Sometimes, despite your most optimistic assumptions and your accountants tax plans, <strong data-uw-styling-context="true" style="background: 0px 0px; border: 0px; margin: 0px; padding: 0px; vertical-align: baseline; outline: 0px;">you end up owing the IRS when you file your taxes</strong>. Managing your tax payments can be easy if you can simply write a check to cover the amount. But if your moneys tied up or youre experiencing cash flow issues, you may not be able to pay it all off at once. Therefore you might need to setup an IRS payment plan.</p><blockquote class="mkd-blockquote-shortcode" data-uw-styling-context="true" style="background: 0px 0px rgb(255, 255, 255) border-width: 1px 0px; border-top-style: solid; border-right-style: initial; border-bottom-style: solid; border-left-style: initial; border-top-color: rgb(193, 143, 89) border-right-color: initial; border-bottom-color: rgb(193, 143, 89) border-left-color: initial; border-image: initial; margin: 30px; padding: 0px; vertical-align: baseline; outline: 0px; quotes: none; position: relative; display: table; color: rgb(68, 68, 68) font-family: Roboto; font-size: 13px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; width: 859.5px;"><h3 class="mkd-blockquote-text" data-uw-styling-context="true" style="color: rgb(106, 106, 106) background: 0px 0px; border: 0px; margin: 13px 0px; padding: 28px 0px; vertical-align: middle; outline: 0px; font-size: 18px; line-height: 1.4em; font-weight: 400; display: table-cell; clear: both;"><span data-uw-styling-context="true" style="background: 0px 0px; border: 0px; margin: 0px; padding: 0px; vertical-align: baseline; outline: 0px;">If youre looking at a large tax bill wondering how to pay it, you can get help directly from the IRS in the form of a payment plan. Miller & Company LLP, NY Certified Public Accountants, a top rated CPA New York firm.</span></h3></blockquote><p data-uw-styling-context="true" style="background: 0px 0px rgb(255, 255, 255) border: 0px; margin: 0px 0px 16px; padding: 0px; vertical-align: baseline; outline: 0px; font-size: 15px; line-height: 24px; color: rgb(68, 68, 68) font-family: Roboto; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;">Dont worry; <strong data-uw-styling-context="true" style="background: 0px 0px; border: 0px; margin: 0px; padding: 0px; vertical-align: baseline; outline: 0px;">you can get help in the form of <a data-uw-styling-context="true" href="https://www.cpafirmnyc.com/tax-resolution-services/" style="color: rgb(165, 87, 4) !important; background: 0px 0px; border: 0px; margin: 0px; padding: 0px; vertical-align: baseline; outline: 0px; text-decoration: underline !important; cursor: pointer; transition: color 0.15s ease-out 0s;"><u data-uw-styling-context="true" style="background: 0px 0px; border: 0px; margin: 0px; padding: 0px; vertical-align: baseline; outline: 0px;">tax resolution services</u></a></strong>, which can lead to positive outcomes, such as:</p><ul data-uw-styling-context="true" style="background: 0px 0px rgb(255, 255, 255) border: 0px; margin: 0px 0px 20px 40px; padding: 0px; vertical-align: baseline; outline: 0px; list-style: outside none disc; font-size: 15px; color: rgb(68, 68, 68) font-family: Roboto; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;"><li data-uw-styling-context="true" style="background: 0px 0px; border: 0px; margin: 0px; padding: 0px; vertical-align: baseline; outline: 0px; line-height: 23px;">An <a href="https://www.cpafirmnyc.com/irs-payment-plan/" title="IRS payment plan"><strong data-uw-styling-context="true" style="background: 0px 0px; border: 0px; margin: 0px; padding: 0px; vertical-align: baseline; outline: 0px;">IRS payment plan</strong></a>, which is like an IRS installment agreement</li><li data-uw-styling-context="true" style="background: 0px 0px; border: 0px; margin: 0px; padding: 0px; vertical-align: baseline; outline: 0px; line-height: 23px;"><strong data-uw-styling-context="true" style="background: 0px 0px; border: 0px; margin: 0px; padding: 0px; vertical-align: baseline; outline: 0px;">Tax representation</strong>, to stand up to the IRS for you</li><li data-uw-styling-context="true" style="background: 0px 0px; border: 0px; margin: 0px; padding: 0px; vertical-align: baseline; outline: 0px; line-height: 23px;"><strong data-uw-styling-context="true" style="background: 0px 0px; border: 0px; margin: 0px; padding: 0px; vertical-align: baseline; outline: 0px;">Offer in Compromise</strong>, which, if you qualify, lets you settle your debt by paying a percentage</li></ul><p data-uw-styling-context="true" style="background: 0px 0px rgb(255, 255, 255) border: 0px; margin: 0px 0px 16px; padding: 0px; vertical-align: baseline; outline: 0px; font-size: 15px; line-height: 24px; color: rgb(68, 68, 68) font-family: Roboto; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;">For more information about the best way to handle a tax balance with the IRS and how to set up an IRS Payment Plan, contact the tax accountants at Miller & Company with locations in NYC and Queens.</p><h2 data-uw-styling-context="true" style="line-height: 20px; color: rgb(34, 34, 34) text-transform: uppercase; background: 0px 0px rgb(255, 255, 255) border: 0px; margin: 13px 0px; padding: 10px 0px; vertical-align: baseline; outline: 0px; font-size: 16px; font-weight: 900; clear: both; font-family: Roboto; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; letter-spacing: normal; orphans: 2; text-align: start; text-indent: 0px; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;">THE PREREQUISITES</h2><p data-uw-styling-context="true" style="background: 0px 0px rgb(255, 255, 255) border: 0px; margin: 0px 0px 16px; padding: 0px; vertical-align: baseline; outline: 0px; font-size: 15px; line-height: 24px; color: rgb(68, 68, 68) font-family: Roboto; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;">Before you can file an application to request a payment plan with the IRS, you have to<strong data-uw-styling-context="true" style="background: 0px 0px; border: 0px; margin: 0px; padding: 0px; vertical-align: baseline; outline: 0px;">make sure all your other tax returns are complete</strong> and current. Having past due tax returns automatically disqualifies you from setting up a monthly installment plan. You must satisfy other conditions as well. For instance:</p><ul data-uw-styling-context="true" style="background: 0px 0px rgb(255, 255, 255) border: 0px; margin: 0px 0px 20px 40px; padding: 0px; vertical-align: baseline; outline: 0px; list-style: outside none disc; font-size: 15px; color: rgb(68, 68, 68) font-family: Roboto; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;"><li data-uw-styling-context="true" style="background: 0px 0px; border: 0px; margin: 0px; padding: 0px; vertical-align: baseline; outline: 0px; line-height: 23px;"><strong data-uw-styling-context="true" style="background: 0px 0px; border: 0px; margin: 0px; padding: 0px; vertical-align: baseline; outline: 0px;">Individuals</strong> <strong data-uw-styling-context="true" style="background: 0px 0px; border: 0px; margin: 0px; padding: 0px; vertical-align: baseline; outline: 0px;">cannot owe more than $50,000</strong>, including past due income tax, late fees and penalties. If youre considered self-employed, you must be up-to-date on all your quarterly estimated tax payments for the year.</li><li data-uw-styling-context="true" style="background: 0px 0px; border: 0px; margin: 0px; padding: 0px; vertical-align: baseline; outline: 0px; line-height: 23px;"><strong data-uw-styling-context="true" style="background: 0px 0px; border: 0px; margin: 0px; padding: 0px; vertical-align: baseline; outline: 0px;">Businesses</strong> <strong data-uw-styling-context="true" style="background: 0px 0px; border: 0px; margin: 0px; padding: 0px; vertical-align: baseline; outline: 0px;">cannot owe more than $25,000</strong> in payroll taxes and must be current on filing income tax returns.</li></ul><h2 data-uw-styling-context="true" style="line-height: 20px; color: rgb(34, 34, 34) text-transform: uppercase; background: 0px 0px rgb(255, 255, 255) border: 0px; margin: 13px 0px; padding: 10px 0px; vertical-align: baseline; outline: 0px; font-size: 16px; font-weight: 900; clear: both; font-family: Roboto; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; letter-spacing: normal; orphans: 2; text-align: start; text-indent: 0px; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;">SETTING UP YOUR ACCOUNT</h2><p data-uw-styling-context="true" style="background: 0px 0px rgb(255, 255, 255) border: 0px; margin: 0px 0px 16px; padding: 0px; vertical-align: baseline; outline: 0px; font-size: 15px; line-height: 24px; color: rgb(68, 68, 68) font-family: Roboto; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;">Requesting<strong data-uw-styling-context="true" style="background: 0px 0px; border: 0px; margin: 0px; padding: 0px; vertical-align: baseline; outline: 0px;">an online agreement with the IRS is the simplest</strong> and fastest way to get the ball rolling. The IRS has put the forms you need Form 9465 and Form 433-F on their website. All you do is present your current financial situation on the forms, and the IRS decides if the monthly payment amount youve requested is acceptable.</p><p data-uw-styling-context="true" style="background: 0px 0px rgb(255, 255, 255) border: 0px; margin: 0px 0px 16px; padding: 0px; vertical-align: baseline; outline: 0px; font-size: 15px; line-height: 24px; color: rgb(68, 68, 68) font-family: Roboto; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;">If you owe more than $50,000, you may find it more challenging to get an installment plan accepted. You have to have a complete financial statement, as well as submit supporting documents, to account for all of your income, expenses and assets. Call the phone number on your IRS bill or contact the<a data-uw-styling-context="true" href="https://www.cpafirmnyc.com/" style="color: rgb(165, 87, 4) !important; background: 0px 0px; border: 0px; margin: 0px; padding: 0px; vertical-align: baseline; outline: 0px; text-decoration: underline !important; cursor: pointer; transition: color 0.15s ease-out 0s;">top NYC CPA</a>,Miller & Company to lead you through<strong data-uw-styling-context="true" style="background: 0px 0px; border: 0px; margin: 0px; padding: 0px; vertical-align: baseline; outline: 0px;">the maze of paperwork and requirements to get your IRS monthly installment plan</strong> set up. Some additional advice includes:</p><ul data-uw-styling-context="true" style="background: 0px 0px rgb(255, 255, 255) border: 0px; margin: 0px 0px 20px 40px; padding: 0px; vertical-align: baseline; outline: 0px; list-style: outside none disc; font-size: 15px; color: rgb(68, 68, 68) font-family: Roboto; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;"><li data-uw-styling-context="true" style="background: 0px 0px; border: 0px; margin: 0px; padding: 0px; vertical-align: baseline; outline: 0px; line-height: 23px;"><strong data-uw-styling-context="true" style="background: 0px 0px; border: 0px; margin: 0px; padding: 0px; vertical-align: baseline; outline: 0px;">Dont offer to pay more than you can reasonably afford.</strong> Once the IRS takes you up on your offer, you cant renegotiate your agreement easily. So leave a cushion in your budget every month beyond the payment to the IRS for unforeseen expenses and emergencies.</li><li data-uw-styling-context="true" style="background: 0px 0px; border: 0px; margin: 0px; padding: 0px; vertical-align: baseline; outline: 0px; line-height: 23px;">At the time you turn in your paperwork, <strong data-uw-styling-context="true" style="background: 0px 0px; border: 0px; margin: 0px; padding: 0px; vertical-align: baseline; outline: 0px;">offer to make a payment right then</strong>. The IRS typically takes a few months to get you all the paperwork detailing your IRS monthly installment plan, so making payments before the plan is finalized shows you can make the payments proposed. This may encourage the IRS to more readily accept your proposal.</li></ul><h2 data-uw-styling-context="true" id="isPasted" style="line-height: 20px; color: rgb(34, 34, 34) text-transform: uppercase; background: 0px 0px rgb(255, 255, 255) border: 0px; margin: 13px 0px; padding: 10px 0px; vertical-align: baseline; outline: 0px; font-size: 16px; font-weight: 900; clear: both; font-family: Roboto; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; letter-spacing: normal; orphans: 2; text-align: start; text-indent: 0px; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;">KNOW WHAT IT COSTS</h2><p data-uw-styling-context="true" style="background: 0px 0px rgb(255, 255, 255) border: 0px; margin: 0px 0px 16px; padding: 0px; vertical-align: baseline; outline: 0px; font-size: 15px; line-height: 24px; color: rgb(68, 68, 68) font-family: Roboto; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;">An IRS installment agreement to pay your taxes over time may not be the perfect solution for you or your business.<strong data-uw-styling-context="true" style="background: 0px 0px; border: 0px; margin: 0px; padding: 0px; vertical-align: baseline; outline: 0px;">You can have up to 72 months to pay the money you owe</strong>, but you have to pay about 10 percent interest over the life of the plan in fees and penalties, which continue to accrue while youre making payments. The interest alone can really add up in six years.</p><p data-uw-styling-context="true" style="background: 0px 0px rgb(255, 255, 255) border: 0px; margin: 0px 0px 16px; padding: 0px; vertical-align: baseline; outline: 0px; font-size: 15px; line-height: 24px; color: rgb(68, 68, 68) font-family: Roboto; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;">Additionally, <strong data-uw-styling-context="true" style="background: 0px 0px; border: 0px; margin: 0px; padding: 0px; vertical-align: baseline; outline: 0px;">the IRS charges you for setting up the IRS payment plan</strong>. The fee ranges from $31 to $225, depending on the amount of your debt, whether youre an individual or a business and where your financial circumstances currently stand.</p><p data-uw-styling-context="true" style="background: 0px 0px rgb(255, 255, 255) border: 0px; margin: 0px 0px 16px; padding: 0px; vertical-align: baseline; outline: 0px; font-size: 15px; line-height: 24px; color: rgb(68, 68, 68) font-family: Roboto; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;"><br></p><p id="isPasted" style='box-sizing: border-box; margin: 0px 0px 15px; font-family: "Open Sans"; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; color: rgb(127, 127, 127) line-height: 26px; overflow-wrap: break-word; font-size: 15px; background-color: rgb(255, 255, 255)'><strong style="box-sizing: border-box; font-weight: 600;"><span style="color: rgb(71, 85, 119)">Miller & Company LLP</span></strong></p><p style='box-sizing: border-box; margin: 0px 0px 15px; font-family: "Open Sans"; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; color: rgb(127, 127, 127) line-height: 26px; overflow-wrap: break-word; font-size: 15px; background-color: rgb(255, 255, 255)'><span style="color: rgb(71, 85, 119)">Queens, NYC</span></p><p style='box-sizing: border-box; margin: 0px 0px 15px; font-family: "Open Sans"; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; color: rgb(127, 127, 127) line-height: 26px; overflow-wrap: break-word; font-size: 15px; background-color: rgb(255, 255, 255)'><span style="color: rgb(71, 85, 119)">141-07 20th Ave, Suite 101,</span></p><p style='box-sizing: border-box; margin: 0px 0px 15px; font-family: "Open Sans"; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; color: rgb(127, 127, 127) line-height: 26px; overflow-wrap: break-word; font-size: 15px; background-color: rgb(255, 255, 255)'><span style="color: rgb(71, 85, 119)">Whitestone, NY 11357</span></p><p style='box-sizing: border-box; margin: 0px 0px 15px; font-family: "Open Sans"; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; color: rgb(127, 127, 127) line-height: 26px; overflow-wrap: break-word; font-size: 15px; background-color: rgb(255, 255, 255)'><span style="color: rgb(71, 85, 119)">718-767-0737</span></p><p style='box-sizing: border-box; margin: 0px 0px 15px; font-family: "Open Sans"; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; color: rgb(127, 127, 127) line-height: 26px; overflow-wrap: break-word; font-size: 15px; background-color: rgb(255, 255, 255)'><a href="https://g.page/accountant-queens-cpa-firm-nyc?share" rel="nofollow" style="box-sizing: border-box; background-color: transparent; color: rgb(51, 122, 183) text-decoration: none;">https://g.page/accountant-queens-cpa-firm-nyc?share</a></p><p style='box-sizing: border-box; margin: 0px 0px 15px; font-family: "Open Sans"; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; color: rgb(127, 127, 127) line-height: 26px; overflow-wrap: break-word; font-size: 15px; background-color: rgb(255, 255, 255)'><a href="https://www.cpafirmnyc.com/" id="isPasted" rel="nofollow" style='box-sizing: border-box; background-color: transparent; color: rgb(51, 122, 183) text-decoration: none; font-family: "Open Sans"; font-size: 15px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px;'>https://www.cpafirmnyc.com</a> </p>]]></content:encoded>
<link>https://www.financialservicedirectory.com/articles/irs-payment-plan</link>
<pubDate>Thu, 14 Apr 2022 07:27:18 -0500</pubDate>
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<guid>https://www.financialservicedirectory.com/articles/best-bookkeeping-software-for-travel-agency</guid>
<title><![CDATA[Best Bookkeeping Software for Travel Agency]]></title>
<description>You have a business, and it has grown to a point where you need help managing the organization. You're looking for something that will make your life easier. A way to organize all of your information in one place so that things can be tracked and man...</description>
<content:encoded><![CDATA[<p lang="zxx" style="text-align: justify;">You have a business, and it has grown to a point where you need help managing the organization. You're looking for something that will make your life easier. A way to organize all of your information in one place so that things can be tracked and managed more efficiently. You want an easy-to-use system with powerful features that will meet your needs now and in the future as you grow.</p><p lang="zxx" style="text-align: justify;">Many people have a dream of starting their own travel agency. With the internet and more advanced technology, it is easier than ever to start your own business. And with the right system in place, its possible to run an efficient company from anywhere in the world!<br><br>The blog post will cover everything you need to know about finding and selecting a travel agency software that is right for you. We'll also get into how easy it is to set up your new business on your computer or mobile device - so let's dive in!</p><h2 lang="zxx" style="text-align: justify;"><span style="font-size: 14pt;"><strong>Best Travel Agency Software</strong></span></h2><h2 style="text-align: justify;"><span style="font-size: 18pt;"><strong>QuickBooks:</strong></span></h2><p lang="zxx" style="text-align: justify;">The travel industry is one of the most competitive industries out there. When you're dealing with a company that deals with people who are looking to spend money on experiences, it's no surprise that competition is fierce.</p><p lang="zxx" style="text-align: justify;">With so many options available when booking your next vacation or business trip, how can you be sure that you're getting the best price?</p><p lang="zxx" style="text-align: justify;"><strong><a href="https://www.myaccountsconsultant.com/bookkeeping-for-travel-agency/" title="QuickBooks for travel agencies">QuickBooks for travel agencies</a></strong> provides all of the tools necessary to help them manage their business in an efficient way - from generating quotes and invoices to managing payroll and expenses. With QuickBooks, they know exactly what they have coming in at any given time - enabling them to make better decisions about which clients deserve more attention than others and which trips need special attention.</p><h3 style="text-align: justify;"><span style="font-size: 18pt;"><strong>Xero<br></strong></span></h3><p lang="zxx" style="text-align: justify;">Xero is a cloud accounting software that helps small businesses manage their finances. The travel accounting software offers a comprehensive set of financial management tools, such as invoicing and inventory tracking, to help your business run more smoothly. With Xero's intuitive interface, you can quickly create new records or edit existing ones so you don't have to worry about keeping up with the books.</p><h3 style="text-align: justify;"><span style="font-size: 18pt;"><strong>Travefy<br></strong></span></h3><p lang="zxx" style="text-align: justify;">Travefy is a travel agency that offers affordable and convenient trips. The company was founded with the goal to reduce the hassle of booking flights, hotels, and car rentals. Travefy does not charge any fees or commissions and gives users access to an extensive database of cheap flight deals.</p><p lang="zxx" style="text-align: justify;">For any travel agency, the most important part of their business is booking flights and hotels for clients. No matter how beautiful a picture or well written an itinerary is, if they can't get there to see it themselves, then it doesn't really matter. Travefy aims to help agencies provide travellers with the best possible experience by making sure that everything goes according to plan.</p><h3 style="text-align: justify;"><span style="font-size: 18pt;"><strong>Best Bookkeeping Software for Travel Agency</strong></span></h3><p lang="zxx" style="text-align: justify;">If you are a travel agency, it is important to find the right software that can suit your needs. It is better to look for a bookkeeping system that can provide all of the necessary features and functions as well as be tailored specifically for your industry.</p>]]></content:encoded>
<link>https://www.financialservicedirectory.com/articles/best-bookkeeping-software-for-travel-agency</link>
<pubDate>Fri, 21 May 2021 02:00:37 -0500</pubDate>
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<guid>https://www.financialservicedirectory.com/articles/quickbooks-for-rental-property-what-you-should-you-expect-from</guid>
<title><![CDATA[QuickBooks for Rental Property: What you should you expect from?]]></title>
<description>As a landlord, you are constantly on the go. QuickBooks for Rental Property is an accounting software that helps you keep up with your rental property management by giving you access to all the information you need in one place. In the United States,...</description>
<content:encoded><![CDATA[<p lang="zxx" style="text-align: justify;">As a landlord, you are constantly on the go. QuickBooks for Rental Property is an accounting software that helps you keep up with your rental property management by giving you access to all the information you need in one place.</p><p lang="zxx" style="text-align: justify;">In the United States, there are about 2.1 million rental properties that generate over $400 billion in annual revenue. In order to maintain these investments and ensure they are generating as much money as possible, many landlords contract with property management companies to handle their day-to-day operations for them. But what if you're a landlord who prefers to take care of your own business? So when you are looking for the accounting software for real estate business then QuickBooks is the best and one place solution for all.</p><h2 style="text-align: justify;"><span style="font-size: 24px;"><strong>Tracking Global Cash Flow</strong></span></h2><p lang="zxx" style="text-align: justify;">The world is shrinking in a big way. With the explosion of social media, we are able to see what's happening around the globe and feel connected with people on opposite sides of the planet. We can also track global cash flow from one country to another at an unprecedented level of detail. <strong><a href="https://www.myaccountsconsultant.com/cash-flow-management-services/" title="Cash Flow management">Cash Flow management</a></strong> helps in understand of business health and hows business working and about the prediction of business financial future.</p><h3 style="text-align: justify;"><span style="font-size: 24px;"><strong>Tracking Global Debt Service<br></strong></span></h3><p lang="zxx" style="text-align: justify;">The global debt service ratio is the percentage of a country's total exports that are paid to foreign creditors as interest and principal payments on external debt.</p><p lang="zxx" style="text-align: justify;">In 2017, the average global debt service ratio was 14%. This number varies by region with Asia-Pacific countries averaging 10% while Latin America averages 17%, Europe averages 16%, Africa 15%, Middle East 13%.</p><p lang="zxx" style="text-align: justify;">When you are working with the QuickBooks then its helps you in track everything of your real estate. with the <strong><a href="https://www.myaccountsconsultant.com/real-estate-bookkeeping-services/" title="real estate bookkeeping services">Real Estate Bookkeeping Services</a></strong> you can manage QuickBooks for Rental Property.</p><h3 style="text-align: justify;"><span style="font-size: 18pt;"><strong>Tracking Leases<br></strong></span></h3><p lang="zxx" style="text-align: justify;">Do you own or lease your business property? If so, it's important to keep detailed records of the transaction in order to accurately report your income and expenses on your tax return.</p><h3 style="text-align: justify;"><span style="font-size: 18pt;"><strong>Tracking Investors</strong></span></h3><p lang="zxx" style="text-align: justify;">Business owners need to know who is investing in their company. I don't care what type of business you are running, whether it is a clothing store or restaurant - if someone invests money into your company they should be kept up-to-date on the progress and how much they have earned from their investment.</p><h3 style="text-align: justify;"><span style="font-size: 18pt;"><strong>Tracking Work Orders</strong></span></h3><p lang="zxx" style="text-align: justify;">There are a lot of benefits to utilizing work orders when it comes to bookkeeping. Work order tracking is essential for small business owners and professionals, as well as larger companies who need to keep tabs on how their employees are spending time. Tracking workplace hours with the help of work orders can be an excellent way for any company or organization to ensure that they're being productive and making the most out of every hour spent at work.</p><h3 style="text-align: justify;"><span style="font-size: 18pt;"><strong>No Need to Leave QuickBooks</strong></span></h3><p lang="zxx" style="text-align: justify;">QuickBooks is the best accounting software for small business owners, entrepreneurs and freelancers. It's easy to use, giving you access to your financial information in one place.</p><p lang="zxx" style="text-align: justify;">It also has features that make it easier to manage your expenses and income because everything is categorized by purpose so reporting on what went well or didn't go as planned are simple.</p><p lang="zxx" style="text-align: justify;">You can also automate tasks like sending invoices and tracking payments with QuickBooks Connector for Outlook which saves time managing the process of sending out an invoice each month!</p>]]></content:encoded>
<link>https://www.financialservicedirectory.com/articles/quickbooks-for-rental-property-what-you-should-you-expect-from</link>
<pubDate>Wed, 05 May 2021 02:27:09 -0500</pubDate>
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<guid>https://www.financialservicedirectory.com/articles/the-basics-of-bar-restaurant-accounting</guid>
<title><![CDATA[The Basics of Bar & Restaurant Accounting]]></title>
<description>For accounting and bookkeeping professionals, the most important part of their job is to make sure that their clients are always in compliance with all governmental regulations. This means that they need to be able to explain how a company's finances...</description>
<content:encoded><![CDATA[<p style="text-align: justify;">For accounting and bookkeeping professionals, the most important part of their job is to make sure that their clients are always in compliance with all governmental regulations. This means that they need to be able to explain how a company's finances work, whether it has an income statement or balance sheet. In this post we're going to cover the basics of <strong><a href="https://www.myaccountsconsultant.com/restaurant-accounting-services/" title="restaurant accounting">restaurant accounting</a></strong> and why it's so important for your business.</p><h2 style="text-align: justify;"><span style="font-size: 14pt;"><strong>How Does Restaurant Accounting Differ from Other Industries?</strong></span></h2><p lang="zxx" style="text-align: justify;">As a restaurant owner, you likely have to take care of the accounting yourself. You'll need to make sure that your employees are paid correctly and on time, keep track of how much food costs so you know what money is coming in from catering or other events at your restaurant, and ensure that all the taxes are being filed properly.</p><p lang="zxx" style="text-align: justify;">The main difference between restaurant accounting and accounting for other industries is that there are more aspects involved with running a successful business. For example, if you own a retail store like Walmart or Target, it's only necessary to account for sales tax because those businesses don't serve food or provide any services beyond selling clothing items.</p><h3 style="text-align: justify;"><span style="font-size: 18pt;"><strong>Common Restaurant Accounting Challenges</strong></span></h3><p lang="zxx" style="text-align: justify;">The restaurant industry is a competitive field, and it's not easy to stay afloat. However, the owners of restaurants often face many challenges that are unique to their business model. These challenges can include everything from payroll and receiving inventory, to food safety compliance and taxes.</p><p lang="zxx" style="text-align: justify;">There are several accounting challenges that restaurants face on a daily basis: processing transactions in a timely manner; managing inventory levels; balancing cash flow between both the business side and the personal side; tracking expenses accurately so they don't get overlooked or forgotten about. This list doesn't even include taxes! Tax laws change constantly, but one thing remains constant: accounting.</p><h3 style="text-align: justify;"><span style="font-size: 18pt;"><strong>Restaurant Accounting & Bookkeeping Tips</strong></span></h3><p lang="zxx" style="text-align: justify;">The restaurant industry is booming, and the accounting challenges are vast. You may have to deal with a high volume of transactions that need to be processed in a short amount of time. In addition, you're also dealing with inventory management, which can lead to errors when counting and recording food items. How do you handle all these challenges?</p><p lang="zxx" style="text-align: justify;">The restaurant industry is a booming one, with more than 1.3 million restaurants in the United States alone! The food service industry employs over 14 million people, according to the National Restaurant Association, and this number continues to grow as our population increases. With so many restaurants opening up all around us every day it can be difficult for owners of these businesses to keep up with their accounting practices.</p><p lang="zxx" style="text-align: justify;">Running a restaurant is hard work. There are so many moving parts to keep up with - employees, inventory, food distribution, and of course accounting and bookkeeping. Nobody wants to spend their time working on the day-to-day details that running a business requires; it's much easier (and more enjoyable) to focus on strategy and innovation. That time the <strong><a href="https://www.myaccountsconsultant.com/quickbooks-bookkeeping-services/" title="Quickbooks Bookkeeping Services">Quickbooks Bookkeeping Services</a></strong> comes into the focus to manage your entire restaurant business.</p>]]></content:encoded>
<link>https://www.financialservicedirectory.com/articles/the-basics-of-bar-restaurant-accounting</link>
<pubDate>Wed, 28 Apr 2021 01:15:08 -0500</pubDate>
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<guid>https://www.financialservicedirectory.com/articles/wave-vs-quickbooks-online-an-overview</guid>
<title><![CDATA[Wave vs. QuickBooks Online: An overview]]></title>
<description>Have you researched about the best accounting software for your business but still arent sure which accounting software product is right for your business? To make things a bit easier, were taking a look at both Wave vs QuickBooks Online, providing y...</description>
<content:encoded><![CDATA[<p style="text-align: justify;">Have you researched about the best accounting software for your business but still arent sure which accounting software product is right for your business? To make things a bit easier, were taking a look at both Wave vs QuickBooks Online, providing you with a side-by-side comparison of the two software which is helping you to understand the best accounting software for your business.</p><h3><strong>Who is Wave for?</strong></h3><p lang="zxx">Designed for small businesses and sole proprietors, Wave makes it easy to keep track of your finances data. While the $0 price tag is particularly appealing to those just starting out, Wave offers solid accounting capability, and if you want to accept online payments, youll only have to pay the normal transaction fees you would pay using any other application.</p><p lang="zxx">For those who see themselves working solo for the foreseeable future, Wave offers all kinds of perks. However, if you envision your business growing and expanding, you may want to consider a product that can grow along with you.</p><h3>Who is QuickBooks for?</h3><p lang="zxx">Since its beginning, QuickBooks products have been designed with the small to medium business owner in mind, and QuickBooks is no different. QuickBooks works for small businesses, sole proprietors, and growing businesses, offering a single-user plan, but it can also scale up to a plan suitable for up to 25 users perfect for growing businesses. Quickbooks is the fastest growing accounting software business solution provider who offer multiple accounting solution as per your business requirement and type.</p><h3><span style="font-size: 14pt;"><strong>Main Differences Between Wave vs Quickbooks</strong></span></h3><p><strong>The main differences between Wave vs Quickbooks are:<br></strong></p><ul><li>Quickbooks offers an Android and iOS app, whereas Wave just offers an iOS app<br><br></li><li>Quickbooks always includes a monthly bookkeeping charge, whereas Wave has a free basic pricing plan for accounting and makes money on transaction fees<br><br></li><li>Quickbooks offers inventory management features, whereas Wave does not have inventory tracking</li></ul><h3><span style="font-size: 14pt;"><strong>Final Conclusion ? Wave or QuickBooks ?</strong><strong><br><br></strong></span></h3><p lang="zxx">Deciding between QuickBooks and Wave as your accounting Accounting software depends on your business size,type, industry, and the features that matter most to you. And whats your business planing because of as per your business planning your business requirement is change and when your business requirement is changes then your accounting software change or upgrade. Wave is fantastic for early-stage businesses and freelancers, while QuickBooks scales beautifully and most accountants love it.</p><p lang="zxx">However, one thing you need to make sure of regardless of your software choice is that it integrates with the rest of your tech stack.</p><p lang="zxx">MAC also offer <strong><a href="https://www.myaccountsconsultant.com/wave-to-quickbooks/" title="Wave to Quickbooks Conversion">Wave to Quickbooks Conversion</a></strong> solution which is help you in migrate your accounting data without falling any business step or without effect of current business financial data.</p><p lang="zxx">When you are choosing the right accounting software for your business, then its brainstorming process and before the reach out any conclusion about the right accounting software you need to ask to the expert who can help you in choosing the right accounting software for your business.</p>]]></content:encoded>
<link>https://www.financialservicedirectory.com/articles/wave-vs-quickbooks-online-an-overview</link>
<pubDate>Wed, 21 Apr 2021 01:41:55 -0500</pubDate>
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<guid>https://www.financialservicedirectory.com/articles/signs-of-an-excellent-bookkeeping-service-875</guid>
<title><![CDATA[Signs of an Excellent Bookkeeping Service]]></title>
<description>When it comes to Bookkeeping Services, you need to make sure that you are using the one service that is excellent and that is offering a great Bookkeeping service. However, the one thing that people are wondering about, is how do you know that you ar...</description>
<content:encoded><![CDATA[<p>When it comes to Bookkeeping Services, you need to make sure that you are using the one service that is excellent and that is offering a great Bookkeeping service. However, the one thing that people are wondering about, is how do you know that you are about to hire an excellent <strong><a href="https://www.myaccountsconsultant.com/" title="Bookkeeping Services">Bookkeeping Services</a></strong> and not just any service that you might regret later on.</p><h2><span style="font-size: 24px;"><strong>Signs that you are Hiring Excellent Bookkeeping Services:</strong></span></h2><h3><span style="font-size: 14pt;"><strong>They come to you</strong></span></h3><p lang="zxx" style="text-align: justify;">The first sign that you are going to <strong><a href="https://www.myaccountsconsultant.com/find-quickbooks-accountant/" title="hire a QuickBooks bookkeeper">hire a QuickBooks bookkeeper</a></strong> is if she is coming to you and your business. Yes, there are some of the bookkeepers that you need to go to in order to get up to date about your business. However, this is normally a sign of not using the best service.</p><p lang="zxx" style="text-align: justify;">They are willing to come to your business every month for updates and to ensure that the books are in order. Dont hire them if they arent prepared to do this for you.</p><h3><span style="font-size: 14pt;"><strong>The service has the Right Amount of Experience</strong></span></h3><p lang="zxx" style="text-align: justify;">It is important that the service has the right amount of experience. This means that you should make sure that you are going to hire someone that have years of experience and that have good reviews.</p><p lang="zxx" style="text-align: justify;">The longer the bookkeeper has been doing this service, the more experience they will have. Then, you will know that your business is in good hands. Something that you will not know when the bookkeeper service is still new.</p><h3><span style="font-size: 14pt;"><strong>They have good communication skills</strong></span></h3><p lang="zxx" style="text-align: justify;">Another thing that you need to look at is to make sure that you have hired a great bookkeeper as if they are communicating with you in a professional matter. It doesnt matter if you have a problem with the service that they deliver, or if you have any inquiries about their service.</p><p lang="zxx" style="text-align: justify;">They are always communicating with you in a professional matter. And, you are feeling comfortable to contact them anytime.</p><h3><span style="font-size: 14pt;"><strong>Their fees are reasonable</strong></span></h3><p lang="zxx" style="text-align: justify;">When a bookkeeper is delivering high-quality service, they dont need to ask high fees. They know that they have a couple of clients that are satisfied and they know that reasonable prices are just going to make them even better.</p><p lang="zxx" style="text-align: justify;">However, this doesnt mean that you should go for the cheapest bookkeeper service that you can find. This doesnt mean that they are the best. This only says that you dont need to hire the most expensive bookkeeper service to get a high-quality service from them.</p><p lang="zxx">When it comes to bookkeepers, you need to know when one of these services are known as the best bookkeeping service in your area. These are some of the signs that you need to look for if you want to make sure that you have hired the best service for your business. There are many businesses that regret using bookkeeping services that arent recommended. The only way to make sure that they are recommended is if you know the signs of an excellent bookkeeper.</p>]]></content:encoded>
<link>https://www.financialservicedirectory.com/articles/signs-of-an-excellent-bookkeeping-service-875</link>
<pubDate>Fri, 02 Apr 2021 02:17:56 -0500</pubDate>
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<guid>https://www.financialservicedirectory.com/articles/signs-of-an-excellent-bookkeeping-service</guid>
<title><![CDATA[Signs of an Excellent Bookkeeping Service]]></title>
<description>When it comes to Bookkeeping Services, you need to make sure that you are using the one service that is excellent and that is offering a great Bookkeeping service. However, the one thing that people are wondering about, is how do you know that you ar...</description>
<content:encoded><![CDATA[<p>When it comes to Bookkeeping Services, you need to make sure that you are using the one service that is excellent and that is offering a great Bookkeeping service. However, the one thing that people are wondering about, is how do you know that you are about to hire an excellent <strong><a href="https://www.myaccountsconsultant.com/" title="Bookkeeping Services">Bookkeeping Services</a></strong> and not just any service that you might regret later on.</p><h2><span style="font-size: 14pt;"><strong>Signs that you are Hiring Excellent Bookkeeping Services:</strong></span></h2><h3><span style="font-size: 14pt;"><strong>They come to you</strong></span></h3><p lang="zxx" style="text-align: justify;">The first sign that you are going to <strong><a href="https://www.myaccountsconsultant.com/find-quickbooks-accountant/" title="hire a QuickBooks bookkeeper">hire a QuickBooks bookkeeper</a></strong> is if she is coming to you and your business. Yes, there are some of the bookkeepers that you need to go to in order to get up to date about your business. However, this is normally a sign of not using the best service.</p><p lang="zxx" style="text-align: justify;">They are willing to come to your business every month for updates and to ensure that the books are in order. Dont hire them if they arent prepared to do this for you.</p><h3><span style="font-size: 14pt;"><strong>The service has the Right Amount of Experience</strong></span></h3><p lang="zxx" style="text-align: justify;">It is important that the service has the right amount of experience. This means that you should make sure that you are going to hire someone that have years of experience and that have good reviews.</p><p lang="zxx" style="text-align: justify;">The longer the bookkeeper has been doing this service, the more experience they will have. Then, you will know that your business is in good hands. Something that you will not know when the bookkeeper service is still new.</p><h3><span style="font-size: 14pt;"><strong>They have good communication skills</strong></span></h3><p lang="zxx" style="text-align: justify;">Another thing that you need to look at is to make sure that you have hired a great bookkeeper as if they are communicating with you in a professional matter. It doesnt matter if you have a problem with the service that they deliver, or if you have any inquiries about their service.</p><p lang="zxx" style="text-align: justify;">They are always communicating with you in a professional matter. And, you are feeling comfortable to contact them anytime.</p><h3><span style="font-size: 14pt;"><strong>Their fees are reasonable</strong></span></h3><p lang="zxx" style="text-align: justify;">When a bookkeeper is delivering high-quality service, they dont need to ask high fees. They know that they have a couple of clients that are satisfied and they know that reasonable prices are just going to make them even better.</p><p lang="zxx" style="text-align: justify;">However, this doesnt mean that you should go for the cheapest bookkeeper service that you can find. This doesnt mean that they are the best. This only says that you dont need to hire the most expensive bookkeeper service to get a high-quality service from them.</p><p lang="zxx">When it comes to bookkeepers, you need to know when one of these services are known as the best bookkeeping service in your area. These are some of the signs that you need to look for if you want to make sure that you have hired the best service for your business. There are many businesses that regret using bookkeeping services that arent recommended. The only way to make sure that they are recommended is if you know the signs of an excellent bookkeeper.</p>]]></content:encoded>
<link>https://www.financialservicedirectory.com/articles/signs-of-an-excellent-bookkeeping-service</link>
<pubDate>Tue, 30 Mar 2021 00:53:19 -0500</pubDate>
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<guid>https://www.financialservicedirectory.com/articles/netsuite-vs-quickbooks-select-the-best-accounting-software</guid>
<title><![CDATA[NetSuite vs. QuickBooks : Select the best accounting software]]></title>
<description>As your Enterprise grows and accounting services becomes more complex, youll find that entry-level accounting software has clear limits. Handling mature business challenges using spreadsheets and clusters of disparate applications just doesnt workwhi...</description>
<content:encoded><![CDATA[<p lang="zxx" style="text-align: justify;">As your Enterprise grows and accounting services becomes more complex, youll find that entry-level accounting software has clear limits. Handling mature business challenges using spreadsheets and clusters of disparate applications just doesnt workwhich is why companies often <strong><a href="https://www.myaccountsconsultant.com/netsuite-to-quickbooks/" title="convert from Netsuite to QuickBooks">convert from Netsuite to QuickBooks</a></strong>.</p><p lang="zxx" style="text-align: justify;">If youre interested in upgrading your accounting software, you need to understand how both QuickBooks and NetSuite meet your business financial requirements. If you want to lower operational costs, automate key business processes and boost productivity, both now and in the future, you should consider which features and functionality will both increase efficiency and scale with your business and you need to keep of your business future requirement.</p><h2><span style="font-size: 14pt;"><strong>NetSuite Overview</strong></span></h2><p lang="zxx" style="text-align: justify;">NetSuites financial management solution supports businesses at every stage of growth with a cloud-based, unified platform that provides real-time data with customizable fields and role-based dashboards. NetSuite software offers an entire suite of business solutions beyond accounting to serve companies looking to increase operational efficiency throughout the business: CRM, ecommerce, HR management software (HRMS), professional services automation and more. And because it is built for the cloud, it provides business data in real-time and requires no added IT infrastructure.</p><h2><span style="font-size: 14pt;"><strong>QuickBooks Online Overview</strong></span></h2><p lang="zxx" style="text-align: justify;">QuickBooks Online is the starting point for many small businesses in need of bookkeeping software, thanks in part to its low price point. Users can track income and expenses, connect bank and credit card accounts, and create financial reports like income statements and balance sheet reports.</p><h3><span style="font-size: 14pt;"><strong>NetSuite vs. QuickBooks : Best Accounting software for Business</strong></span></h3><p lang="zxx" style="text-align: justify;">QuickBooks suits some small businesses because it accommodates bookkeeping: managing invoices, paying bills, accounts payable & receivable, cash flow management, bankre conciliation and very basic cash flow tracking. When bookkeeping is all that is needed and accounting demands are minimal, generating month and year-end reports and helping with annual business taxes is enough.</p><p lang="zxx" style="text-align: justify;">QuickBooks may check off many boxes when it comes to standard bookkeeping, but NetSuite offers a complete financial solution that increases efficiency and reduces the need to add to headcount as the business financial needs become more varied and complex. More than just a collection of accounting information, NetSuite comes with pre-configured KPIs, workflows, reminders and customizable dashboards that show exactly how operations and accounting processes align and what needs to get done.</p><p lang="zxx" style="text-align: justify;">Overall, businesses look to a comprehensive system like NetSuite when they are seeking synergy between departments. However, functionality needs, expectations, and budgets will vary from business to business, especially between newly established businesses and maturing businesses ready to expand.</p>]]></content:encoded>
<link>https://www.financialservicedirectory.com/articles/netsuite-vs-quickbooks-select-the-best-accounting-software</link>
<pubDate>Fri, 19 Mar 2021 00:42:58 -0500</pubDate>
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<guid>https://www.financialservicedirectory.com/articles/best-accounting-software-for-small-business-of-2021</guid>
<title><![CDATA[Best Accounting Software for Small Business of 2021]]></title>
<description>Small business owners benefit from accounting software because it helps them track accounts receivable and accounts payable, have a clear understanding of their profitability, and be prepared for tax season. In the world of accounting software, a sma...</description>
<content:encoded><![CDATA[<p style="text-align: justify;">Small business owners benefit from accounting software because it helps them track accounts receivable and accounts payable, have a clear understanding of their profitability, and be prepared for tax season. In the world of accounting software, a small business is one that can use out-of-the-box software without requiring extensive customization as well as easy to understand for the business owner. As a business grows, its accounting needs become more complex, and a custom enterprise resource planning (ERP) system is often needed. The accounting software for small business is the mainly needed for the <strong><a href="https://www.myaccountsconsultant.com/" title="bookkeeping services">bookkeeping services</a></strong>.</p><p style="text-align: justify;">There are many different types of accounting software available for small businesses, with varying capabilities and price tags as well as they offer the specialty as per the particular industry, so with this software you are not leave any single gap in your financial health. Generally, the type of industry and number of employees are two factors that can help a small business owner begin to choose the accounting software that is appropriate. For example, a freelancer would not need the same features in accounting software as a restaurant owner.</p><h2><strong><span style="font-size: 18px;">Best Accounting Software for Small Business of 2021</span><br></strong></h2><ul><li>QuickBooks Online: Best Overall</li><li>Xero: Best for Micro-Business Owners</li><li>FreshBooks: Best for Service-Based Businesses</li><li>QuickBooks Self-Employed: Best for Part-time Freelancers</li><li>Wave: Best Free Software</li></ul><p lang="zxx" style="font-variant: normal; letter-spacing: normal; font-style: normal;"><span style="color: #111111;"><span style="font-family: Times New Roman, serif;"><span style="font-size: large;"><strong>Bottom Line:</strong></span></span></span></p><p lang="zxx" style="text-align: justify;">Finding the best accounting package for your small business can seriously transform your working life. With less time spent on data entry, you have more time for the things you like most about small-business ownership, whether that's getting to know customers or making products you're proud of.<span style="font-variant: normal;"><span style="color: #111111;"><span style="letter-spacing: normal;"><span style="font-style: normal;"></span></span></span></span><br><br>These all are the top and popular business accounting software in their category so you can choose from one of them as per your business needs.</p>]]></content:encoded>
<link>https://www.financialservicedirectory.com/articles/best-accounting-software-for-small-business-of-2021</link>
<pubDate>Wed, 24 Feb 2021 06:14:27 -0500</pubDate>
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<guid>https://www.financialservicedirectory.com/articles/best-accounting-software-for-manufacturing-small-business</guid>
<title><![CDATA[Best Accounting Software for Manufacturing Small Business]]></title>
<description>Manufacturing and wholesale businesses work together to deliver products and services to customers everywhere and they follow B2B and B2C business model. The complexities of their tasks, however, lead to serious accounting challenges. But with the ri...</description>
<content:encoded><![CDATA[<p lang="zxx" style="text-align: justify;">Manufacturing and wholesale businesses work together to deliver products and services to customers everywhere and they follow B2B and B2C business model. The complexities of their tasks, however, lead to serious accounting challenges. But with the right accounting software for manufacturing small business, these producers and distributors can improve their financial flows and overall business operations as well as its help into the goal setup for future.</p><p lang="zxx" style="text-align: justify;">In this blog, we compiled the best accounting software for manufacturing small business and wholesale to help you pick the best one for your business and increase business performance.</p><p lang="zxx" style="text-align: justify;">Manufacturers must always be on top of their raw materials and processing costs. However, they must also properly price their finished items, which must also consider numerous existing and upcoming market factors. So with so many operational, financial, and market components to make allowance for, the emergence of accounting problems can be inevitable. So the right <strong><a href="https://www.myaccountsconsultant.com/accounting-for-manufacturing/" title="Accounting for Manufacturing Business">Accounting for Manufacturing Business</a></strong> is the always success key for manufacturing business.</p><h2><strong>Why is accounting in manufacturing companies more complicated?</strong></h2><p>Unlike other businesses, manufacturers must deal with a more complex type of accounting and manage the number of task at same time like Raw material management, cash flow management, production and distribution and much more. This is because they must closely monitor their manufacturing expenses until their products are sold into the market. And for this, they need specialized systems like cost and management accounting. And when they need to all thease task at single place then accounting software become more important and crucial.</p><p><strong><strong><span style="font-size: 14pt;"><strong>1. FreshBooks:</strong></span></strong></strong></p><p lang="zxx" style="text-align: justify;"><strong><a href="https://www.freshbooks.com/" title="Freshbooks">Freshbooks</a></strong> is a robust accounting software that empowers manufacturers like you to spend less time on bookkeeping and more time doing what matters most in your business. It is designed to help you keep your books in check and watch your profits grow.<br><br>With FreshBooks accounting software for manufacturing companies, accounting becomes quicker and easier than ever. Because with a few simple inputs, this powerful accounting software can send invoices, track your expenses automatically, and help you stay up-to-date with your customers. Likewise, you can secure your data in the FreshBooks Cloud and access your account from any device you choose. So whether youre on the go or working remotely, your businesss information is just a few clicks away.</p><p lang="zxx" style="text-align: justify;"><strong><span style="font-size: 14pt;">2. Netsuite ERP:</span></strong></p><p lang="zxx" style="text-align: justify;">At its core, NetSuite ERP is a robust accounting solution for manufacturers and wholesalers. Its a comprehensive platform with features for supply chain management, shop floor control, procurement, production control, order management, etc. In addition, it is built to help manufacturers eliminate the use of error-prone and time-consuming spreadsheets. Further, it helps accelerate financial close processes and lower resource, and IT costs.</p><p><strong><strong><span style="font-size: 18pt;"><strong>3. Sage Business Cloud Accounting</strong></span>:</strong></strong></p><p><strong><strong><strong><a href="https://www.sage.com/en-us/sage-business-cloud/accounting/" title="Sage Business Cloud Accounting">Sage Business Cloud Accounting</a></strong></strong></strong>is a popular manufacturing accounting software created to help businesses to stay on top of their manufacturing operations and manage their operation efficiently. It gives users a complete view right from procurement and scheduling to financials, inventory, production cost and sales. This tool also is ideal for mid-sized businesses and enterprises, particularly multi-site and multi-company firms. Its built-in industry-specific solution streamlines manufacturing and distribution processes for better operations.</p><p><span style="font-size: 18pt;"><span style="font-size: 14pt;"><strong>Tips to Choose the Right Accounting Software for your Business</strong></span></span></p><p lang="zxx">There you have itour list of top accounting software for manufacturing and wholesale businesses to help you with <strong><a href="https://www.myaccountsconsultant.com/" title="accounting services">accounting services</a></strong>. However, with so many options available, finding the right accounting software for your business can be difficult.</p><p lang="zxx">Here are some tips to help you find the software that will best serve the needs of your enterprise.</p><ul><li>Consider both your needs and your accounting skills</li><li>Look at cloud applications</li><li>Keep your budget in mind</li><li>Pay attention to add-on features</li><li>Make the decision with the help of your accountant</li></ul><p lang="zxx" style="text-align: justify;">Whichever business accounting software you choose, remember that you arent committed to it for life since most software allow for some form of conversion. Still, the decision shouldnt be made lightly. You definitely dont want to make a commitment to one application and begin investing time into it, only to discover that you have to switch to another one just a few months later.</p>]]></content:encoded>
<link>https://www.financialservicedirectory.com/articles/best-accounting-software-for-manufacturing-small-business</link>
<pubDate>Wed, 17 Feb 2021 00:17:02 -0500</pubDate>
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<guid>https://www.financialservicedirectory.com/videos/the-secure-act-has-killed-the-stretch-ira-bruce-hosler-sonoran-living</guid>
<title><![CDATA[The Secure Act Has Killed The Stretch IRA | Bruce Hosler | Sonoran Living]]></title>
<description> Bruce Hosler EA, CFP, CPWA, AIF, CEPA, Founder and Principal of Hosler Wealth Managment LLC., explains to viewers how the "Secure Act" has done away with the "Stretch IRA". The "Secure Act" killed the ability of IRA beneficiaries to take required mi...</description>
<content:encoded><![CDATA[<p><span style="color: rgb(13, 13, 13) font-family: Roboto, Noto, sans-serif; font-size: 15px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; white-space: pre-wrap; background-color: rgb(255, 255, 255) text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; display: inline !important; float: none;" id="isPasted">Bruce Hosler EA, CFP, CPWA, AIF, CEPA, Founder and Principal of Hosler Wealth Managment LLC., explains to viewers how the "Secure Act" has done away with the "Stretch IRA". The "Secure Act" killed the ability of IRA beneficiaries to take required minimum distributions over their remaining life expectancy period. The "Stretch IRA" allowed the beneficiary to only take a small RMD (Required Minimum Distribution) amount every year. That ended in 2019 when Congress passed the "Secure Act".</span></p>]]></content:encoded>
<link>https://www.financialservicedirectory.com/videos/the-secure-act-has-killed-the-stretch-ira-bruce-hosler-sonoran-living</link>
<pubDate>Mon, 31 Jul 2023 14:12:04 -0500</pubDate>
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<guid>https://www.financialservicedirectory.com/videos/financial-advisors-in-scottsdale-az-hosler-wealth-management</guid>
<title><![CDATA[Financial Advisors in Scottsdale, AZ | Hosler Wealth Management]]></title>
<description> Financial planning and wealth management services in Scottsdale, Arizona, Hosler Wealth Management, LLC. Serving Scottsdale and the Greater Phoenix metro communities for over 25 years.Visit Our Website ...</description>
<content:encoded><![CDATA[<p><span style="color: rgb(13, 13, 13) font-family: Roboto, Noto, sans-serif; font-size: 15px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; white-space: pre-wrap; background-color: rgb(255, 255, 255) text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; display: inline !important; float: none;" id="isPasted">Financial planning and wealth management services in Scottsdale, Arizona, Hosler Wealth Management, LLC.</span><span style="color: rgb(13, 13, 13) font-family: Roboto, Noto, sans-serif; font-size: 15px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; white-space: pre-wrap; background-color: rgb(255, 255, 255) text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; display: inline !important; float: none;">Serving Scottsdale and the Greater Phoenix metro communities for over 25 years.<a href="https://www.hoslerwm.com/scottsdale-financial-advisors/" title="" target="_blank" rel="noopener noreferrer" class="btn btn-primary">Visit Our Website</a></span></p>]]></content:encoded>
<link>https://www.financialservicedirectory.com/videos/financial-advisors-in-scottsdale-az-hosler-wealth-management</link>
<pubDate>Mon, 31 Jul 2023 13:50:03 -0500</pubDate>
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<guid>https://www.financialservicedirectory.com/videos/annuities-in-st-louis-st-louis-annuities</guid>
<title><![CDATA[Annuities in St. Louis - St. Louis Annuities]]></title>
<description> Annuities in St. Louis are contracts issued and distributed (or sold) by financial institutions where the funds are invested with the goal of paying out a fixed income stream later on. Annuities are mainly used for retirement purposes and help indiv...</description>
<content:encoded><![CDATA[<p><a href="https://www.financialservicedirectory.com/missouri/st-louis/investment-advisor/annuities-in-st-louis" rel="noopener noreferrer" target="_blank" title="">Annuities in St. Louis</a> are contracts issued and distributed (or sold) by financial institutions where the funds are invested with the goal of paying out a fixed income stream later on. Annuities are mainly used for retirement purposes and help individuals address the risk of outliving their savings. Upon annuitization, the holding institution will issue a stream of payments at a later point in time.</p>]]></content:encoded>
<link>https://www.financialservicedirectory.com/videos/annuities-in-st-louis-st-louis-annuities</link>
<pubDate>Tue, 05 Oct 2021 07:56:47 -0500</pubDate>
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<guid>https://www.financialservicedirectory.com/videos/kansas-city-annuities-annuities-in-kansas-city</guid>
<title><![CDATA[Kansas City Annuities - Annuities in Kansas City]]></title>
<description> Kansas City Annuities are contracts issued and distributed (or sold) by financial institutions where the funds are invested with the goal of paying out a fixed income stream later on. Annuities are mainly used for retirement purposes and help indivi...</description>
<content:encoded><![CDATA[<p><a href="https://www.financialservicedirectory.com/missouri/kansas-city/investment-advisor/annuities-in-kansas-city" rel="noopener noreferrer" target="_blank" title="">Kansas City Annuities</a> are contracts issued and distributed (or sold) by financial institutions where the funds are invested with the goal of paying out a fixed income stream later on. Annuities are mainly used for retirement purposes and help individuals address the risk of outliving their savings. Upon annuitization, the holding institution will issue a stream of payments at a later point in time.</p>]]></content:encoded>
<link>https://www.financialservicedirectory.com/videos/kansas-city-annuities-annuities-in-kansas-city</link>
<pubDate>Tue, 05 Oct 2021 07:33:11 -0500</pubDate>
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<guid>https://www.financialservicedirectory.com/videos/annuities-in-minneapolis-minneapolis-annuities</guid>
<title><![CDATA[Annuities in Minneapolis - Minneapolis Annuities]]></title>
<description> Minneapolis Annuities are contracts issued and distributed (or sold) by financial institutions where the funds are invested with the goal of paying out a fixed income stream later on. Annuities are mainly used for retirement purposes and help indivi...</description>
<content:encoded><![CDATA[<p><a href="https://www.financialservicedirectory.com/minnesota/minneapolis/financial-advisor/annuities-in-minneapolis" rel="noopener noreferrer" target="_blank" title="">Minneapolis Annuities</a> are contracts issued and distributed (or sold) by financial institutions where the funds are invested with the goal of paying out a fixed income stream later on. Annuities are mainly used for retirement purposes and help individuals address the risk of outliving their savings. Upon annuitization, the holding institution will issue a stream of payments at a later point in time.</p>]]></content:encoded>
<link>https://www.financialservicedirectory.com/videos/annuities-in-minneapolis-minneapolis-annuities</link>
<pubDate>Mon, 04 Oct 2021 15:35:49 -0500</pubDate>
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<guid>https://www.financialservicedirectory.com/videos/credit-union-in-south-florida-south-florida-credit-union</guid>
<title><![CDATA[Credit Union in South Florida - South Florida Credit Union]]></title>
<description>South Floridians find credit unions in South Florida offer more than traditional banks. What makes Tropical Financial CU a better option is its value proposition. Credit unions are not-for-profit and governed by a volunteer Board of Directors who liv...</description>
<content:encoded><![CDATA[<p>South Floridians find <a href="https://www.financialservicedirectory.com/credit-union-in-south-florida" rel="noopener noreferrer" target="_blank" title="">credit unions in South Florida</a> offer more than traditional banks. What makes Tropical Financial CU a better option is its value proposition. Credit unions are not-for-profit and governed by a volunteer Board of Directors who live and work in southern Florida. With no stockholders to pay, more earnings are available to put back into the pockets of members in the form better interest rates, lower fees, and state-of-the-art technology.</p>]]></content:encoded>
<link>https://www.financialservicedirectory.com/videos/credit-union-in-south-florida-south-florida-credit-union</link>
<pubDate>Fri, 01 Oct 2021 16:08:47 -0500</pubDate>
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<guid>https://www.financialservicedirectory.com/videos/annuities-in-tampa-tampa-annuities</guid>
<title><![CDATA[Annuities in Tampa - Tampa Annuities]]></title>
<description>Do you need help with annuities in Orlando? Annuities are contracts issued and distributed (or sold) by financial institutions where the funds are invested with the goal of paying out a fixed income stream later on. Annuities are mainly used for reti...</description>
<content:encoded><![CDATA[<p>Do you need help with <a href="https://www.financialservicedirectory.com/florida/tampa/investment-advisor/annuities-in-tampa" rel="noopener noreferrer" target="_blank" title="">annuities in Orlando</a>? Annuities are contracts issued and distributed (or sold) by financial institutions where the funds are invested with the goal of paying out a fixed income stream later on. Annuities are mainly used for retirement purposes and help individuals address the risk of outliving their savings. Upon annuitization, the holding institution will issue a stream of payments at a later point in time.</p>]]></content:encoded>
<link>https://www.financialservicedirectory.com/videos/annuities-in-tampa-tampa-annuities</link>
<pubDate>Thu, 30 Sep 2021 08:03:22 -0500</pubDate>
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<guid>https://www.financialservicedirectory.com/videos/annuities-in-san-jose-san-jose-annuities</guid>
<title><![CDATA[Annuities in San Jose - San Jose Annuities]]></title>
<description> San Jose annuities are contracts issued and distributed (or sold) by financial institutions where the funds are invested with the goal of paying out a fixed income stream later on. Annuities are mainly used for retirement purposes and help individua...</description>
<content:encoded><![CDATA[<p><a href="https://www.financialservicedirectory.com/california/san-jose/financial-advisor/annuities-in-san-jose" rel="noopener noreferrer" target="_blank" title="">San Jose annuities</a> are contracts issued and distributed (or sold) by financial institutions where the funds are invested with the goal of paying out a fixed income stream later on. Annuities are mainly used for retirement purposes and help individuals address the risk of outliving their savings. Upon annuitization, the holding institution will issue a stream of payments at a later point in time.</p><p><br></p>]]></content:encoded>
<link>https://www.financialservicedirectory.com/videos/annuities-in-san-jose-san-jose-annuities</link>
<pubDate>Wed, 29 Sep 2021 17:06:57 -0500</pubDate>
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<guid>https://www.financialservicedirectory.com/videos/annuities-in-phoenix-phoenix-annuities</guid>
<title><![CDATA[Annuities in Phoenix - Phoenix Annuities]]></title>
<description> Phoenix annuities are contracts issued and distributed (or sold) by financial institutions where the funds are invested with the goal of paying out a fixed income stream later on. Annuities are mainly used for retirement purposes and help individual...</description>
<content:encoded><![CDATA[<p><a href="https://www.financialservicedirectory.com/arizona/phoenix/financial-advisor/annuities-in-phoenix" rel="noopener noreferrer" target="_blank" title="">Phoenix annuities</a> are contracts issued and distributed (or sold) by financial institutions where the funds are invested with the goal of paying out a fixed income stream later on. Annuities are mainly used for retirement purposes and help individuals address the risk of outliving their savings. Upon annuitization, the holding institution will issue a stream of payments at a later point in time.</p>]]></content:encoded>
<link>https://www.financialservicedirectory.com/videos/annuities-in-phoenix-phoenix-annuities</link>
<pubDate>Wed, 29 Sep 2021 16:51:08 -0500</pubDate>
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<guid>https://www.financialservicedirectory.com/videos/annuities-in-spokane-spokane-annuities</guid>
<title><![CDATA[Annuities in Spokane - Spokane Annuities]]></title>
<description> Annuities in Spokane are contracts issued and distributed (or sold) by financial institutions where the funds are invested with the goal of paying out a fixed income stream later on. Annuities are mainly used for retirement purposes and help individ...</description>
<content:encoded><![CDATA[<p><a href="https://www.financialservicedirectory.com/washington/spokane/financial-advisor/annuities-in-spokane" rel="noopener noreferrer" target="_blank" title="">Annuities in Spokane</a> are contracts issued and distributed (or sold) by financial institutions where the funds are invested with the goal of paying out a fixed income stream later on. Annuities are mainly used for retirement purposes and help individuals address the risk of outliving their savings. Upon annuitization, the holding institution will issue a stream of payments at a later point in time.</p>]]></content:encoded>
<link>https://www.financialservicedirectory.com/videos/annuities-in-spokane-spokane-annuities</link>
<pubDate>Wed, 29 Sep 2021 16:29:27 -0500</pubDate>
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<title><![CDATA[Office Interior]]></title>
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<pubDate>Mon, 24 May 2021 11:02:23 -0500</pubDate>
<category>Business</category>
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<guid>https://www.financialservicedirectory.com/photo-albums/strategic-wealth-designers-financial-planning-offices-indianapolis-indiana</guid>
<title><![CDATA[Strategic Wealth Designers Financial Planning Offices Indianapolis Indiana]]></title>
<description>Strategic Wealth Designers financial planning offices in Plainfield and Indianapolis Indiana.</description>
<content:encoded><![CDATA[<p>Strategic Wealth Designers financial planning offices in Plainfield and Indianapolis Indiana.</p>]]></content:encoded>
<link>https://www.financialservicedirectory.com/photo-albums/strategic-wealth-designers-financial-planning-offices-indianapolis-indiana</link>
<pubDate>Thu, 25 Jun 2020 16:13:47 -0500</pubDate>
<category>Business</category>
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<guid>https://www.financialservicedirectory.com/photo-albums/fiduciary-financial-planning-firm-strategic-wealth-designers-louisville-kentucky</guid>
<title><![CDATA[Fiduciary Financial Planning Firm Strategic Wealth Designers Louisville Kentucky]]></title>
<description>Offices and company photos of Fiduciary Financial services firm Strategic Wealth Designers Louisville Kentucky</description>
<content:encoded><![CDATA[<p>Offices and company photos of Fiduciary Financial services firm Strategic Wealth Designers Louisville Kentucky</p>]]></content:encoded>
<link>https://www.financialservicedirectory.com/photo-albums/fiduciary-financial-planning-firm-strategic-wealth-designers-louisville-kentucky</link>
<pubDate>Thu, 25 Jun 2020 15:36:01 -0500</pubDate>
<category>Business</category>
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<guid>https://www.financialservicedirectory.com/photo-albums/lexington-kentucky-fiduciary-financial-planning-firm-offices</guid>
<title><![CDATA[Lexington Kentucky Fiduciary Financial Planning Firm Offices]]></title>
<description>Lexington, Kentucky offices of Independent Fiduciary Financial Planning firm Strategic Wealth Designers located on the northwest side of town.</description>
<content:encoded><![CDATA[<p>Lexington, Kentucky offices of Independent Fiduciary Financial Planning firm Strategic Wealth Designers located on the northwest side of town.</p>]]></content:encoded>
<link>https://www.financialservicedirectory.com/photo-albums/lexington-kentucky-fiduciary-financial-planning-firm-offices</link>
<pubDate>Thu, 25 Jun 2020 14:36:24 -0500</pubDate>
<category>Business</category>
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<guid>https://www.financialservicedirectory.com/photo-albums/strategic-wealth-designers-denver</guid>
<title><![CDATA[Strategic Wealth Designers Denver]]></title>
<description>Fiduciary Financial Planning Firm Strategic Wealth Designers Denver Office</description>
<content:encoded><![CDATA[<p>Fiduciary Financial Planning Firm Strategic Wealth Designers Denver Office</p>]]></content:encoded>
<link>https://www.financialservicedirectory.com/photo-albums/strategic-wealth-designers-denver</link>
<pubDate>Thu, 25 Jun 2020 13:53:22 -0500</pubDate>
<category>Business</category>
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<guid>https://www.financialservicedirectory.com/photo-albums/strategic-wealth-designers-cincinnati</guid>
<title><![CDATA[Strategic Wealth Designers Cincinnati]]></title>
<description>Fiduciary Financial Planning offices of Strategic Wealth Designers in Cincinnati, Ohio</description>
<content:encoded><![CDATA[<p>Fiduciary Financial Planning offices of Strategic Wealth Designers in Cincinnati, Ohio</p>]]></content:encoded>
<link>https://www.financialservicedirectory.com/photo-albums/strategic-wealth-designers-cincinnati</link>
<pubDate>Thu, 25 Jun 2020 13:44:18 -0500</pubDate>
<category>Business</category>
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<guid>https://www.financialservicedirectory.com/photo-albums/lansdowne-wealth-management-llc</guid>
<title><![CDATA[Lansdowne Wealth Management, LLC]]></title>
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<content:encoded><![CDATA[]]></content:encoded>
<link>https://www.financialservicedirectory.com/photo-albums/lansdowne-wealth-management-llc</link>
<pubDate>Fri, 10 Apr 2020 12:42:16 -0500</pubDate>
<category>Business</category>
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<guid>https://www.financialservicedirectory.com/photo-albums/the-victory-wealth-services-family-1</guid>
<title><![CDATA[The Victory Wealth Services Family]]></title>
<description>A few photos of the team and client events.</description>
<content:encoded><![CDATA[<p>A few photos of the team and client events.</p>]]></content:encoded>
<link>https://www.financialservicedirectory.com/photo-albums/the-victory-wealth-services-family-1</link>
<pubDate>Tue, 05 Mar 2019 15:48:57 -0500</pubDate>
<category>Business</category>
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<guid>https://www.financialservicedirectory.com/products/retireshield</guid>
<title><![CDATA[RetireSHIELD]]></title>
<description>Our top-rated advisory team will expertly craft a personalized 5-Point RetireSHIELD plan so you can spend less time worrying about your money and spend more time enjoying your life. ...</description>
<content:encoded><![CDATA[<h2 style="margin: 0px; padding: 0px; border: 0px; outline: 0px; vertical-align: baseline; background: transparent; pointer-events: auto; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-size: 22px; line-height: 1.5; color: rgb(var(--color_15)) letter-spacing: normal; orphans: 2; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; text-align: center;">Our top-rated advisory team will expertly craft a personalized 5-Point RetireSHIELD plan so you can spend less time worrying about your money and spend more time enjoying your life.</h2><p><br></p><p><br></p>]]></content:encoded>
<link>https://www.financialservicedirectory.com/products/retireshield</link>
<pubDate>Mon, 24 May 2021 12:29:00 -0500</pubDate>
<category>Business</category>
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<guid>https://www.financialservicedirectory.com/digital-products/paystubs-planet</guid>
<title><![CDATA[PayStubs Planet]]></title>
<description> Easily generate detailed pay stubs with our intuitive online paystub maker . Create professional documentation quickly and accurately for your financial needs. ...</description>
<content:encoded><![CDATA[<p style="text-align: justify;"><span style="font-size: 19px; color: rgb(0, 0, 0) font-weight: normal; text-decoration: none; font-family: docs-Calibri; font-style: normal; text-decoration-skip-ink: none;" id="isPasted">Easily generate detailed </span><span style="font-size: 19px; color: rgb(0, 0, 0) font-weight: normal; text-decoration: none; font-family: docs-Calibri; font-style: normal; text-decoration-skip-ink: none;" id="isPasted"><a href="https://paystubsplanet.com/" title="" target="_blank" rel="noopener noreferrer"><strong>pay stubs</strong></a></span><span style="font-size: 19px; color: rgb(0, 0, 0) font-weight: normal; text-decoration: none; font-family: docs-Calibri; font-style: normal; text-decoration-skip-ink: none;" id="isPasted"> with our intuitive online </span><span style="font-size: 19px; color: rgb(0, 0, 0) font-weight: normal; text-decoration: none; font-family: docs-Calibri; font-style: normal; text-decoration-skip-ink: none;" id="isPasted"><a href="https://paystubsplanet.com/" title="" target="_blank" rel="noopener noreferrer"><strong>paystub maker</strong></a></span><span style="font-size: 19px; color: rgb(0, 0, 0) font-weight: normal; text-decoration: none; font-family: docs-Calibri; font-style: normal; text-decoration-skip-ink: none;" id="isPasted">. Create professional documentation quickly and accurately for your financial needs.</span><span style="font-size: 19px;"><br></span><br></p>]]></content:encoded>
<link>https://www.financialservicedirectory.com/digital-products/paystubs-planet</link>
<pubDate>Thu, 17 Oct 2024 03:00:49 -0500</pubDate>
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<guid>https://www.financialservicedirectory.com/digital-products/costa-rica-marriage</guid>
<title><![CDATA[Costa Rica Marriage]]></title>
<description> Planning a wedding in some place other than your home can be stressful. Costa Rica Marriage Law Firm provides Costa Rica beach weddings and will also take care of your all wedding needs. Contact us today! ...</description>
<content:encoded><![CDATA[<p style="text-align: justify;"><span style="font-size: 19px; color: rgb(0, 0, 0) font-weight: normal; text-decoration: none; font-family: docs-Calibri; font-style: normal; text-decoration-skip-ink: none;" id="isPasted">Planning a wedding in some place other than your home can be stressful. </span><span style="font-size: 19px; color: rgb(0, 0, 0) font-weight: normal; text-decoration: none; font-family: docs-Calibri; font-style: normal; text-decoration-skip-ink: none;" id="isPasted"><a href="https://www.costaricamarriage.com/marragereq.html" title="" target="_blank" rel="noopener noreferrer"><strong>Costa Rica Marriage</strong></a></span><span style="font-size: 19px; color: rgb(0, 0, 0) font-weight: normal; text-decoration: none; font-family: docs-Calibri; font-style: normal; text-decoration-skip-ink: none;" id="isPasted"> Law Firm provides </span><span style="font-size: 19px; color: rgb(0, 0, 0) font-weight: normal; text-decoration: none; font-family: docs-Calibri; font-style: normal; text-decoration-skip-ink: none;" id="isPasted"><a href="https://www.costaricamarriage.com/beachwedding.html" title="" target="_blank" rel="noopener noreferrer"><strong><em>Costa Rica beach weddings</em></strong></a></span><span style="font-size: 19px; color: rgb(0, 0, 0) font-weight: normal; text-decoration: none; font-family: docs-Calibri; font-style: normal; text-decoration-skip-ink: none;" id="isPasted"> and will also take care of your all wedding needs. Contact us today!</span><span style="font-size: 19px;"><br></span><br></p>]]></content:encoded>
<link>https://www.financialservicedirectory.com/digital-products/costa-rica-marriage</link>
<pubDate>Tue, 10 Sep 2024 03:59:59 -0500</pubDate>
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<guid>https://www.financialservicedirectory.com/digital-products/melt</guid>
<title><![CDATA[Melt]]></title>
<description> Looking for top-notch HHC disposable vape ? Look no further! Melt is your go-to source for HHC disposable vape in LA and Southern California, with easy online ordering. We deliver premium products, from live resin to exotic strains, right...</description>
<content:encoded><![CDATA[<p style="text-align: justify;"><span style="font-size: 19px; color: rgb(0, 0, 0) font-weight: normal; text-decoration: none; font-family: docs-Calibri; font-style: normal; text-decoration-skip-ink: none;" id="isPasted">Looking for top-notch </span><span style="font-size: 19px; color: rgb(0, 0, 0) font-weight: normal; text-decoration: none; font-family: docs-Calibri; font-style: normal; text-decoration-skip-ink: none;" id="isPasted"><a href="https://meltofficial.com/" title="" target="_blank" rel="noopener noreferrer"><strong>HHC disposable vape</strong></a></span><span style="font-size: 19px; color: rgb(0, 0, 0) font-weight: normal; text-decoration: none; font-family: docs-Calibri; font-style: normal; text-decoration-skip-ink: none;" id="isPasted">? Look no further! Melt is your go-to source for </span><span style="font-size: 19px; color: rgb(0, 0, 0) font-weight: normal; text-decoration: none; font-family: docs-Calibri; font-style: normal; text-decoration-skip-ink: none;" id="isPasted"><a href="https://meltofficial.com/" title="" target="_blank" rel="noopener noreferrer"><strong>HHC disposable vape</strong></a></span><span style="font-size: 19px; color: rgb(0, 0, 0) font-weight: normal; text-decoration: none; font-family: docs-Calibri; font-style: normal; text-decoration-skip-ink: none;" id="isPasted"> in LA and Southern California, with easy online ordering. We deliver premium products, from live resin to exotic strains, right to your doorstep. Order today!</span><span style="font-size: 19px;"><br></span><br></p>]]></content:encoded>
<link>https://www.financialservicedirectory.com/digital-products/melt</link>
<pubDate>Mon, 09 Sep 2024 06:45:09 -0500</pubDate>
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<guid>https://www.financialservicedirectory.com/digital-products/nam-wellness-products</guid>
<title><![CDATA[NAM Wellness Products]]></title>
<description> Buy guava gelato A Premium Strain from NAM Wellness Products at best price. High-quality. Helps in relieving pain and anxiety. Shop today! ...</description>
<content:encoded><![CDATA[<p style="text-align: justify;"><span style="font-size: 19px; color: rgb(0, 0, 0) font-weight: normal; text-decoration: none; font-family: docs-Calibri; font-style: normal; text-decoration-skip-ink: none;" id="isPasted">Buy </span><span style="font-size: 19px; color: rgb(0, 0, 0) font-weight: normal; text-decoration: none; font-family: docs-Calibri; font-style: normal; text-decoration-skip-ink: none;" id="isPasted"><a href="https://www.namwellnessproducts.com/products/guava-gelato" title="" target="_blank" rel="noopener noreferrer"><strong><em>guava gelato</em></strong></a></span><span style="font-size: 19px; color: rgb(0, 0, 0) font-weight: normal; text-decoration: none; font-family: docs-Calibri; font-style: normal; text-decoration-skip-ink: none;" id="isPasted"> A Premium Strain from NAM Wellness Products at best price. High-quality. Helps in relieving pain and anxiety. Shop today!</span><span style="font-size: 19px;"><br></span><br></p>]]></content:encoded>
<link>https://www.financialservicedirectory.com/digital-products/nam-wellness-products</link>
<pubDate>Mon, 09 Sep 2024 05:58:48 -0500</pubDate>
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