How to find the best financial advisers

Financial advisers are professionals who offer a broad spectrum of services. Finding a trusted financial adviser is the first step to planning your finances for whole life. This can even include retirement and estate planning.

Financial Planners and Investment Advisers
Investment advisers consult with clients and guide them to create an investment portfolio that provides the result the client needs – capital growth, income streams, security of investments.

A Financial planner is a broad term. They can be an investment adviser, while the reverse isn’t always true. A financial planner offers advice on many different aspects of the financial affairs of the client.

Advisory or Fiduciary Services?
An investment adviser might act in just an advisory capacity, giving suggestions to the client on the best securities that suit the client’s aims.

They may also act in a fiduciary capacity, completely managing the client’s investment affairs making decisions about selling or buying securities, about long term investments etc, If you’re looking for fiduciary services, choose financial advisers who are also certified or registered. They should be governed by a regulatory authority to provide great service.

A fiduciary must put the client’s interests above their own. For instance, when providing investment advice, they must fully understand your requirements and pick the best investments for you instead of choosing investments that may pay themselves a higher commission.

Registered Professionals
Investment advisers who are registered with the Security Exchange Commission or the state securities board are the best people to act in a fiduciary capacity. They are governed by the Investment Advisers Act of 1940 and must operate to a set of standards.

For complete financial planning services, seek professionals who have a Certified Financial Planner (CFP) designation. To achieve the CFP designation, the financial consultant must have a bachelor’s degree from an accredited college and have a certain amount of experience in the financial advisory field.
They must also complete the required CFP educational program and pass an exam to get certified. A CFP is expected to conform to a code of ethics in their professional services.

A Financial Planner can offer comprehensive services to clients. This can range from personal budgeting to investment management and asset allocation, tax planning and tax preparation, retirement planning and estate planning.

When seeking the service of financial consultants, do some research. Read about their professional qualifications, their experience, and their reputation in the industry. If you’re looking for a good financial adviser, look at the top 100 or top 50 lists prepared by financial print publications or websites. You can pick the 10 best financial advisers across the country or the 10 best financial advisers in your state and choose one you think you’ll be comfortable with.

It’s never too late or too early to start financial planning. Find a good financial planner and manage your finances in such a way that you’ll be set for a comfortable life after retirement.


  • 4 of the Best Cell Phones Costing under $300
    Not many of us need or can afford the expensive Apple phones or its constant rival Samsung. To join the elite fray, big names such as Google, LG, Sony, and many others are always coming up with better phones. In midst of all this commotion are the common folk. Customers who just want to have a phone that will get them through the day without compromising on certain aspects. For these customers, we have listed out the best cell phones that you can get within $300. Let’s start out without further ado.
    Moto G Series
    G5S Plus: This is the best phone within this price range. With a beautiful metal design, the phone has a powerful Qualcomm Snapdragon processor and has 4GB RAM to back it up. It comes with a dual camera of 13MP rear-end camera and dual flash. The front-end has an 8 MP camera. With 64GB internal space expandable up to 128GB, you would not have to worry about running out of space. It has a fingerprint reader for security. The battery life is fantastic and it has a 3000mAH Lithium-ion battery with turbocharging. This phone is good for gaming and multitasking. With all this, it is among the best cell phones available under $300. G5 Plus: The other variant in the Moto G series is the Moto G5 Plus. The G5 Plus has almost the same features as G5S Plus but falls short in the size, camera, RAM, and storage. It is a 5.2-inch phone with 16GB storage and 3GB ram. You can also find the 4GB RAM variant of this phone with a slightly higher price. The camera has 12MP in the rear-end and 5MP in the front-end. Both the phones are splashproof and have Corning Gorilla Glass V3. The price is perfect for both the phones. With all this, they are the best cell phones right now under the $300 margin.
    Honor 7X 64 GB
    Honor has released some great models over the years in this price range. The only other phone that can add up to the features of the G5S and G5 Plus is the Honor 7X. With a metal body design, it beats the Moto phones in camera with a 16MP rear end camera and 8MP front camera. It has a better battery of 3340mAh. It does not have a turbo-charging option though, increasing your battery charge time. The processor is not as powerful as the Moto G Series, with HiSilicon Kirin 659, but it does have a 4GB RAM to support it. The storage space is 64GB and it is expandable. It does not have any kind of waterproof protection. The price is almost the same as the G5S plus. On the whole, this phone deserves the third place in the best cell phones category under $300.
    Samsung Galaxy J7
    Samsung is a big name as we mentioned before and it has good devices in all price ranges. In this price range, Samsung has their Galaxy J7. It can only compete with the G5S plus but it cannot surpass it. Let us tell you why. It does not have a metal finish and the processor is not as powerful as the G5S plus. It has an Exynos 7 Octa 7870 processor and it has a 3GB RAM to support it. It does come with a fingerprint scanner, 64GB storage expandable to 256GB and a powerful battery of 3600mAh. The camera is good with a 13MP back camera but does not have dual pixel autofocus like the G5S plus. However, it does have a powerful front camera at 13MP. It is not waterproof. Though it has fewer features than the Moto G Series, it is more expensive than them just because of the brand name. With all these pros and cons to the device, we place it at number 4 on the best cell phones available under $300. These are some of the best cell phones that you can buy without spending a lot of money and that do not compromise on your working ability. There are many electronics sales that happen. Check for good offers before buying a cell phone.
  • Here’s how to choose dinnerware sets
    Cooking is a passion for many people all over the world. When you've made the perfect meal, you want to serve them in the best dinner set. There are loads of choice when it comes to dinnerware sets, and they will be handy for years to come. Having these sets in the house is essential for regular use as well as for special occasions. Dinnerware sets come in several shapes and sizes. You can select a set based on your requirements. Here is everything you need to know about dinnerware sets. Quality over quantity Dinner sets can last for decades if you invest in good quality plates. They come in several materials like stone, porcelain, copper, stainless steel, brass, glass, and melamine. Go for a brand that is known for its quality even if it means shelling out a few extra bucks. Features You need to buy your dinnerware set based on your usage. If you use a microwave often, you need to buy a dinnerware set that is microwave friendly. Also, if you do your dishes in the dishwasher, the dinnerware set has to be dishwasher-safe. Items in the dinnerware set Dinnerware sets essentially have plates, bowls, spoons, forks, and a lot of other items. These extras vary with the set that you choose. You can choose a set with a casserole, serving tray, teapot, platter, among other items based on your needs. Some sets even come with drinking glasses. The number of items included Dinnerware comes in bundles. Based on the number of people in your house and the number of visitors you usually have, you can come up with a rough figure of the dishes you'll need. There is no harm in having a spare dinnerware set at home as well. Colors and patterns Dinnerware comes in exciting designs and patterns. You can pick one based on your style and personality. Some sets come with plain and simple designs while others come with varied prints and patterns. Color is another thing that you will have to choose. Since you will be using the same dinnerware set for a long time, it is best to look around and choose one that you fall in love with.
  • Guide to Choosing the Best Probiotic Yogurts
    Yogurt is a food produced when bacteria called “yogurt cultures” ferment lactose in milk and produce lactic acid, which in turn act on the milk protein that gives yogurt its texture and flavor. Yogurt is usually made out of milk obtained from cows, buffaloes, goats, sheep, camels, and yaks. Probiotic refers to a substance that stimulates the growth of beneficial microorganisms such as live yeast and bacteria which help keep our digestive tract healthy. Best probiotic yogurts are packed with a balanced source of protein, carbohydrates, fats, minerals, and vitamins.

    Health benefits of probiotic yogurts

    Probiotics can be found in certain supplements and foods. If you are having problems with your digestive system, your doctor is likely to suggest you probiotic supplements since it aids in healthy digestion. Probiotics help in maintaining a healthy balance between the ‘good’ and ‘bad’ bacteria in our body. It is also necessary for good blood sugar regulation. Best probiotic yogurts, being high in calcium content, play a vital role in preventing osteoporosis. It keeps bad cholesterol away. Best probiotic yogurts can help you maintain that perfect weight or even shed a few extra pounds. It also boosts the immune system by increasing the cytokine-producing cells in the intestine and it helps to protect the digestive system from harmful bacteria. Potassium, found in probiotic yogurt, helps in decreasing the reabsorption of sodium, thereby preventing high blood pressure.

    How does one choose the best probiotic yogurts?

    Read the label on the pack carefully
    It is really simple to know if your yogurt contains probiotics. For a product to be called ‘yogurt’ the two bacteria -- lactobacillus bulgaricus and Streptococcus thermophilus -- should be present in it. Many more yogurt cultures may be listed in the ingredients. However, more cultures do not always mean better yogurt.
    Check for healthy bacteria
    Best probiotics yogurts contain healthy bacteria like the ones found in our digestive tract. These helpful bacteria help with digestion and overall digestive health. However, not all yogurt that is sold in the market contains "live and active cultures". To increase the shelf life of a probiotic yogurt, the yogurt company may heat-treat yogurt after culturing it. This kills off the good bacteria along with the bad ones. In such cases, the yogurt company needs to mention the same on the pack label.
    Calcium content
    Our body requires a good amount of calcium to maintain healthy bones. Best probiotic yogurts are a very good source of bone-building calcium. The amount of calcium in each brand may vary. Pick up a pack containing a minimum of 15 percent of the daily value of calcium needed by the human body.
    Check the sugar content
    Probiotic yogurt may contain a good amount of naturally occurring milk sugar or lactose. The amount of sugar mentioned on the label includes the natural as well as added sugars in the pack. While choosing the best probiotic yogurts, avoid any pack that has listed sugar as the main or secondary ingredient.
    Check for artificially flavored yogurts
    While checking the label for ingredients, the best probiotic yogurt will contain real fruit and not just artificial flavors and coloring agents mentioned as one of the ingredients. Alternatively, you can add your own favorite fruit to plain yogurt for a healthier option.
    Count the calories
    Many opt for low-fat yogurt, fearing the calories they will intake. However, remember that low-fat yogurt may not always be low in calories. Many low-fat yogurts may contain a lot of added sugars. The best probiotic yogurt gets its sweetness from real fruits. For a healthier version of probiotic yogurt, try adding a little of honey to the plain yogurt. Can you really miss out on your favorite pack of best probiotic yogurt after knowing how good it is for you and for your health? Go right ahead and grab your favorite probiotic yogurt today!
  • 3 Types of Power and Hand Tools You Must Use
    The tools that run on electricity and external; the power source and physical labor are known to be the power and hand tools. Often the devices are portable in nature for carrying anywhere as per people's needs. For executing the laborious tasks in the garden, kitchen, construction and around the houses the tools are used if you are cooking, cleaning, routing, cutting, drilling, sanding and polishing. There is no doubt that the drills serve a great to mankind and this is why one should know to get a detailed knowledge of the products available in the market. Chop sows If you are slicing steel rebar, you are left with two choices - either to use a chop saw or hacksaw. A chop sow does not have a saw blade but an abrasive disc. Hitachi CC14SFS The tub-cut time is 10 sec and costs only $140 which is affordable to anyone. The vise capacity is even of 11 ⅞ inches.
    • The local machine is not up to the mark which can be one of the drawbacks of the product.
    • For using easily and efficiently, the straight and comfortable handle can help people to execute tasks in a jiffy.
    Dewalt D28715 The sow only takes 11.14 sec to cut through the steel and execute the task you are looking for doing with it completely. It costs only $200 but each penny of it is worth it.
    • The six-foot power cord is not enough that can even cover a workbench. Hence, stretching across a metal shop is out of the question.
    • On the contrary, you can tool-free blade change that is not available in any of the product. For moving around with it easily, there is a vertical spring change behind the head of the chop saws.
    Nails guns For putting a great deal of pressure of nails into the oak, pine, lumber and other materials, the nail guns play a huge role.
    • Bosch FNH180K-16 Weighing only 7.6 lb and putting pressure into 713 nails, this product stands out from others. The price is affordable for everyone and even comes with the convenience of easy-to-use policy. In addition to the context, the nail gun can work miraculously on hard materials including red oak. However, the drawback is that there is no battery gauge and LED work light.
    • Ryobi P320 Ranging around $190, the product only weighs 6.8 lb. The affordable price refers to the fact that this is one of the most efficient products available on the market. No matter if you are working on trim projects of poplar or prime, save time efficiently by getting this gun. Built with dry-fire lockout, this one has the large battery running on 18-v/4-Ahr for offering an impeccable service. However, there is still room for improvement as it is not the ideal product for the toughest and most consistent materials.
    • Rigid R250AF18 For comfortable handling, reliability and high-speed, this nail gun offers 1,186 nails in every charge. The feature of unlatching a nose cover is done in a jiffy. You can easily control the device when it comes to the bump-fire sequence. However, the lack of longevity can be one of the drawbacks. Moreover, this large gun can even be overheated after just giving out thousands of nails in one sitting.
    Vacuums The role of vacuums in people’s lives is beyond valuable and this call for the occasion of finding the best heavy-duty vacuum that can clean minute sawdust in a blink of an eye. If you are looking for a vacuum, then Craftsman 9-17761 can be an ideal choice. Ranging from $90 to $110, the product has a tank of 16 gallons. The affordable, quiet and powerful, the vacuum cleaner is not only a good choice for the contractors but also for the household works. Moreover, it comes with a 20-feet long power cord along with dismounting and mounting feature for the head of the motor.
  • 8 skincare do’s and dont’s for men
    Skincare usually doesn't feature anywhere in men's health, but it is an equally important part of it. While men don't need to clock hours in front of the mirror and dab facial products, they certainly need to follow some skin care regimes that will leave them with a fresher, better-looking skin. They are listed below.
    • Clean your face: Splashing cold water and cleansing first thing in the morning helps wash away dead skin. Use an exfoliating scrub occasionally for a deeper cleanse. Avoid scrubbing if the skin gets red, itchy and irritated.
    • Moisturize: Moisturizing should automatically follow cleansing, since it helps seal the moisture. Since most facial lotions are oil-based and work for normal skin, they're a boon for flaky, dry skin. Men should look for a water-based product if they have oily skin.
    • Stay hydrated: The skin needs water more than anything else, and drinking 6-8 glasses of water every day does the trick for your skin. Men should also monitor how much caffeine, tea and alcohol they're consuming, because they can dehydrate the body, and one needs to take that into account. However, consuming coffee, tea and alcohol with food and water can counter the effects.
    • Don't consume too much sugar: Overindulging in sugar and sugary foods can lead to breakouts, with soft drinks, donuts, cake and cookies being obvious offenders. However, don't forget to check sugar in other not-so-obvious foods such as protein bars, sauces, flavored yogurt, etc.
    • Don't stay out in the sun for long: You might be longing for that tan, but nothing weathers the skin more than the sun. Sun rays are responsible for faster aging by slowing down cell growth and collagen production, thus robbing the skin of its elasticity. Choose a good sunscreen lotion with an SPF of 15+, which will help block harmful rays and provide you protection.
    • Sleep well: It's age-old advice, yes, but it's proven to be true. A good night's sleep of 7-8 hours gives the cells time to repair and heal itself, including getting rid of breakouts, fine lines and wrinkles. Also, 7-8 hours of consistent sleep is needed every day and prolonged sleep that will make up for the entire week in one single day.
    • Eat fruits and vegetables: Pack in a good variety of fruits and vegetables which will definitely improve skin tone by fighting off effects of aging, skin damage and other atmospheric damage.
    • Quit smoking: Smoking has been known to decreases collagen production and circulation, causing the skin to lose its natural color and end up looking pale and sallow, and even undergo premature aging.
    Follow the above regime for better-looking skin.
  • Causes of heart diseases
    Heart disease is one of the widespread health concerns all over the world. It is erratic in nature and that it why we must take timely precautions to prevent it. But do you have any idea what triggers them. Here are some of the common causes that can severely affect the health of your heart. You must know them so that you can take the required preventive actions to nurture your cardiovascular health. Unhealthy food 'You are what you eat.' Period. Nothing can deny this fact. Constantly binging on unhealthy food can increase weight and cholesterol levels. This can slow down physical activities, and create a damaging pressure on the heart. Obesity and diabetes are some of the defining factors for heart diseases. Stress Chronic stress can cause extreme variations in blood pressure. This can immediately trigger a heart stroke. Stress is usually the result of factors like long working hours, erratic eating habits, inadequate sleep and inappropriate management of demanding situations. This can frequently cause heart issues in young individuals as they deal with stress on a daily basis. Family history Your genetics also play an important role in determining your susceptibility to heart disease. If your family has a history of cardiac diseases, you should start paying attention to yourself. It will be a smart move to consult a doctor to evaluate your overall health condition. Smoking Smoking is not just harmful to your heart but also for your entire body. When it comes to the heart, it steadily diminishes its ability to deliver and purify blood. It can cause plaque and block arteries by hardening them. Even occasional or secondhand smoking can cause a considerable amount of damage to the heart. It also causes breathing problems and a diminished level of stamina. Lack of physical movement The absence of any significant physical movement can affect the circulation of the blood, and cause an unhealthy growth of fats in the body. This leads to increased weight, which can cause obesity and an increased level of bad cholesterol. Alcohol Alcohol is not harmful if it is consumed within limits, but it is still a risk. High amount of alcohol intake increases the blood pressure and leads to irregular heartbeats. If you already suffer from a heart disease it will be smart to let of go of the drinking habit completely. For instance, people with diabetes, high blood pressure, existing heart disease, and obesity should avoid alcohol at all costs.
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