When you are at a good position in the market, where finances are expanding, you need to control your money. It might seem easy, but the reality is a lot more than that.
As with any planning, you’d need accurate strategy to save, invest and grow. You may think you can do it, but complexities grow over time. A financial adviser would not only not allow your money to stagnate, they’d ensure that you know how to invest it.
Hiring a financial adviser can let you to be serious about your money. You won’t procrastinate when it comes to managing your assets. You can start your watch for good financial advisers by conducting a research first. Check the 10 best financial advisers that you can find near you and see if they work out.
You can start by browsing through the list of 10 best financial advisers in the country. By doing so, you can narrow down the possible characteristics each of them have. This lets you know what you’re looking for.
Once you’ve prepared a plan about what you need, you can start asking around your financial circles. You can approach other professionals and colleagues who’d know.
Other than that, here are few points to remember before hiring a financial adviser:
Look for Certification
A Certified Financial Planner should be on the top of your list before you hand over your finances. A certification adds credibility to a person, because they need to have top notch skills. These skills ensure that a financial adviser knows what they’re doing.
You can use the Certified Financial Planner Board’s information for accurate credentials. This step is important so you know a financial adviser isn’t involved in any unlawful activity.
Once you have a list of potential advisers, certifications can help. Other than that, you can make use of your local governing authority to get information.
Fees and Charges
Financial advisers have their own method of charging you. There are many costs and charges involved. You should be ready for all of this.
There are generally three ways in which financial advisers would charge you.
First would be flat rates/fixed charges, where they would cover a predetermined area. You would pay based on your needs.
Second is on commission basis, where they tell you what is best for you. They may push extra schemes too. It’s advisable to avoid commission based financial planners.
Third involves ascertaining the percentage of your assets the adviser would be managing.
So, you can opt for either a fixed rate or asset based financial management based on your needs. This lets you find someone who is not only affordable, but also ensures that you get the most for your money. They’ll help with investing your money and keeping it growing.
Secondhand smoke is actually one of the passive health effects of smoking; you might not do it, but you might get affected by someone who does. Moreover, if you smoke or know someone who does, you must have noticed the unpleasant smell and seen people wave off the smoke or cover their nose and mouth around you. But the unpleasantness of the smoke goes beyond the smell.
Secondhand smoke is the smoke released [exhaled] by a smoker or by the cigarette into the air. There are about 4000 chemicals in the secondhand smoke, 50 of which can cause cancer. In some, the carcinogenic products found are greater in secondhand smoke than the smoke inhaled by the smokers. There is also twice the amount of nicotine and tar in the secondhand smoke.
Cigarette smoke remains in the room for several hours. No amount of ventilation, air-filtration, or opening a window is effective in removing smoke from a building. The best way is to prevent secondhand smoking effects is to make it a rule to not smoke indoors.
The toxic chemicals found in cigarette smoke remains in the air much longer after you stub the cigarette. It settles on walls, fabrics, carpets, furniture, and toys. Anyone close to these objects may experience effects of secondhand smoke/passive smoking. If you are in a room or vehicle where people usually smoke, then you are exposed to secondhand smoke, even if no one smokes in your presence.
Effects of secondhand smoking on health
There are many secondhand smoking effects on the health. A slight exposure could cause serious problems. Children are the most affected as they breathe more rapidly and their immune system is vulnerable. Those exposed to secondhand smoke develop bronchitis, tonsillitis, asthma, and other respiratory problems.
Seniors, pregnant women and people who have cardiac or respiratory problems are at a greater risk.
Prominent secondhand smoking effects include irritation to the eyes, in the nose, and throat. It can also cause a headache, coughing, and nausea. It may increase the risk of asthma, lung infections, and even lung cancer. It can result in heart problems, damage reproduction system, and reduce fertility; it also leads to breast cancer, if exposed prior to menopause.
While redesigning or remodeling your house, the kitchen is perhaps the one place that can leave you flummoxed. This is because the kitchen has a lot of intricacies that are missing in the bedroom or the drawing room. For instance, all the pipe fittings and drainage layouts for the kitchen can be quite confusing to figure out. However, this never means that you will have to sacrifice your dream of getting a lovely kitchen straight out of those classic magazine covers.
Tips for designing kitchen cabinets
The first factor to keep in mind while designing a kitchen is to have the right amount of storage space. When it comes to storage, the perfect options would be kitchen cabinets. Designing a kitchen cabinet will require precision, understanding of your storage needs, and finally a proper budget. You will have to decide where exactly to position your kitchen cabinet. This is because your kitchen cabinet cannot be removed once it is built. It is better to avoid any experimentation and affix the same to an area of your choice. Decide on what material you will be employing in your kitchen cabinets. You will also have to make sure that it is waterproof and heat resistant. Make an inventory of all your kitchen wares and see how much would fit in the cabinet, with the planned dimensions of your kitchen cabinet. Even though you have picked the design from a magazine or a TV show, you have to make sure that proper customizations are in place for the kitchen cabinet at home. This is because what could be suitable in one kitchen will not be perfect for yours. Moving on, you will have to decide what kind of finish would you like to render to the kitchen cabinet. From polish to plywood to even sheet pasting, there are a lot of options available in the market today.
Budget with care
Formulate a perfect budget for your kitchen cabinet and discuss the possibilities with your woodwork contractor. Many things, which you would want to go forward with, might be difficult to afford. There’s no need to feel bad about it since the design is an endless stream of ideas; the best of what you originally have in mind and can afford. Designing kitchen cabinets must also be based on the kind of ideas that are not harmful to the environment. Materials that are certified green and safe for use are best to be used for making kitchen cabinets.
One thing to keep in mind is not to employ a very light colored material for your kitchen cabinet. You could be doing this only when you are very much prepared to put in long hours of maintenance. Kitchen cabinets can make or break the entire look of the kitchen. Make sure you put in some time in the design with options open for innovation as well as classic designs. The bottom line is that designing kitchen cabinets need a little bit of understanding and a lot of planning. Choose a design that does not have too many corners and nooks as this eases up the maintenance process. Remember, prices of kitchen cabinets are high, and it is not very often that you can change them.
Google’s latest offering, Pixel, is making the right noise. Say goodbye to complicated phones that make you miserable with unnecessary apps and say hello to Google Pixel.
Interesting features
Pixel has its own personal assistant that can be engaged with the words “OK Google.” Google Assistant is at your service when it comes to performing any task on your phone. One thing is assured with the Google Pixel; you will never run out of space as it offers unlimited cloud storage for videos and photos, unlike other smartphones. Pixel comes with a The SmartBurst camera feature that enhances the images and gives clear and crisp photos any time of the day, under any light conditions. What’s more, even video calling is made simpler with the new Google Duo app.
Network compatibility
Google Pixel is equipped with CDMA technology. So Verizon is the official carrier of Pixel and Pixel XL. It is available at Verizon or the Google Store. If the buyer is already on the Verizon network, they may get some credit when purchasing from the Verizon store in exchange for the old phone. However, if the buyer is not on Verizon, then they may buy an unlocked Google Pixel from Google store or online retail sites, and choose the carrier of his choice, like AT&T, T-Mobile, or Sprint.
Best place to buy it from
Buyers are especially curious as to which is the right place to purchase the Pixel. Google has released Pixel and Pixel XL. So what are the best bets for a better deal? Since it is a Google phone, the best and first choice would be to grab it from the official Google store. One advantage of purchasing from the Google store is the easy finance option, which may not be available elsewhere.
Pricing and payment options
The Pixel starts at USD 650 for 32GB. Both Google and Verizon offer financing at USD 24 per month for 24 months. Google has a special promotional offer for pre-ordering the Pixel. The buyer gets Daydream View Virtual reality headset worth $79 for free. Pixel 32GB is available in silver, black, and blue color, while the 128GB model is available in silver and black only.
The availability of unlocked Google Pixels may vary from one retailer to another. Before making a decision about buying the Pixel, it is always better to check out any deals or promotional offer available online or in stores.