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Financial Advisor For Retirement

Aug
26

Your dad tells you to spend less money and save for your future life, or your mom scolds you for buying a new car or your aunt living next door suggesting you invest in BitcoinDon’t mistake the wrong people for a financial advisor.

People are happy to tell you where and how to spend your money. Don’t let their advice be a huge mistake. They are not what we call a real financial advisor.

Do you wonder what a real financial advisor is?

A financial advisor is a well-educated, certified professional who helps people and families figure out their taxes, retirement plan, or help them to stay in control their money. A good advisor doesn’t randomly invest your money anywhere. They research and depend on a professional analyst to help find the best options based on your risk tolerance level.

You work hard to earn money, and earning lots of money can be even harder, however finding a good financial advisor should not be as hard. To find someone to trust with your money with the skill to earn better returns requires a little research.

But don’t worry! We are here to make the tough task easy for you. Below are some tips that will help you figure out what a good financial advisor is for you.

Here are the things that you should look in for a good financial advisor:

Qualifications and Education: 

In the world where skills have overpowered degrees, judging someone on the basis of their qualifications looks old school, right? Well not always, because education does matter a lot. Therefore, it is important to check the records of the person you consider for the role of a financial advisor. Look for someone who holds the proper certifications and has worked with various clients you know. Get referrals!.

Such advisors should have a lot of exposure to multiple options. Even as complex as a 1031 exchange. Therefore, they often come up with the best solutions and plans.  Also, based on their qualifications and achievements, you will get an idea of how much expect to pay for such financial advisor. Although, not all advisors change based on the same criteria.

Pay structure of Financial Advisor

As a new bee, looking for a financial advisor, it is better to go for a financial advisor who charges on an hourly or fee basis. These planners can be the best fit for you because they do not operate on a commission. These advisors are client-centric and give you genuine reviews of your options. Unlike other financial advisors who operate on a commission basis and might direct you to buy products which may be a more profitable deal for them. Besides, they are highly experienced and take their clients seriously because they know someone is counting on them for hourly basis. 

Know the background of your advisor

Do you like investigate? To find an advisor, you need to become a detective. Learn how they treaded their previous clients or how they handled their money. Details are important to uncover because you don’t want to risk your money with the wrong person. You should also get a sense of how trustworthy they are, for this, you can seek information about then from some sources like friends or family.

Try asking for referrals

References are powerful and can make an uphill task easier. As you hunt to find a good financial advisor, you can ask for help from people you know. Ask your friends for a good referral. You can seek information about various financial advisors or financial advising companies on Google. Read reviews to know what other people say about them. After a little research and brainstorming, decide on the financial advisor that feel right to you. 

Interview various financial advisors

“Hard work is the key to success.” This idea proves to be true to find a good financial advisor. In the world full of smart speaking people who can fool you easily, you need to find someone you can trust with your money.

This is a big deal, right? So, you need to interview multiple advisors. Weed out the worst to find the best among them. When you talk to advisors, you can ask them about the work they have done for their clients. Their approach to investing, how do they measure success.

These are some tips that can help you find a good financial advisor. Don’t forget to remember to include these points in your hiring checklist. A good financial advisor can make your income and savings work for you.

The person who understands the value of money and the hard work required to earn money is someone who can give you good advice. We hope by following these tips you find the best financial advisor who will make your life happy well in to your 90’s!

What Is A Culinary School?

Aug
14

Culinary School

What is a culinary school?

A cooking school — an institution devoted to education in the art and science of cooking and food preparation

One thing to know is Everything about a professional kitchen, including an educational kitchen, is amazingly intense. The fact is the Knives are much sharper, stoves are a lot hotter, shared space is tighter than your kitchen. Professional kitchens run at a fast-moving pace and you’ll be expected to figure everything out very quickly.

Is Culinary School Hard?

More people than ever are chasing a dream of running a kitchen or become a famous chef. Culinary school enrollment has increased in recent years. Yes, culinary school is and should be hard. The real world of culinary arts is hard. Long hours for low pay is common in the early years. It’s important to think about why you want to go to culinary school.

How much is culinary school?

Tuition Rates for Culinary Schools

In addition to traditionally high tuition rates, the costs of culinary schools are also rapidly rising. Currently, culinary school tuition typically costs over $30,000. That’s a steep price for most students to consider, and one that will force many students to utilize financial aid.

When looking at culinary school tuition, pay close attention to whether the dollar amount covers the whole degree program or only a portion of the program. In many cases, it isn’t the same as a yearly tuition fee that you’ll find at a four-year college. Instead, culinary school tuition typically encompasses the cost of the entire degree program. For example, the Arizona Culinary Institute has a nine-month program that costs $25,990. Meanwhile, The Culinary Institute of America charges about $12,950 per semester for a nine-semester program. The difference in total cost is significant, so it’s important to look into these kinds of details when researching culinary schools.

Source: https://www.campusexplorer.com

Is going to culinary school a good idea?

Quiz: https://www.thebalancecareers.com/should-you-become-a-chef-4100305

This is a question I hear often, between my educator hat and my columnist hat. Adding to the confusion is that if you look up the answer, you get a flurry of advice, much of it from culinary schools who have a horse in the race and argue that either:

  1. A degree is a waste of money—you just need to learn the cooking skills as efficiently as possible.
  2. A degree will better prepare you for long-term success and adaptability.

 

As usual with these questions, there is no single answer that will work for everyone.

My advice is to ask yourself a series of questions that may help you decide on the program to meet your needs.

First: What is the goal? If your goal is simply to get a job in a restaurant kitchen, consider learning on the job with a good mentor. I know that may seem like surprising advice from a culinary educator, but employers are desperate for talent, culinary school is expensive, and a popular misconception is that you need a degree to get a foot in the door. While that may be true for top kitchens, you can learn a lot from working full time in the right environment and supplementing your work with reading and classes.

 

Is Culinary a good career?

In the recent years, more and more people are gaining interest in culinary arts. Whether they want to be executive chef of the fanciest restaurant in town or own their own business catering to locals, lots of people are researching, learning, and consuming more fine food than ever before.

For those who want to make a career out of the culinary arts, this profession requires one to be highly educated. An individual has to know how to cook, but also how to manage a kitchen, restaurant, and about the food industry to keep up with trends and demand. Working in the culinary arts field is much more than preparing a tasty meal.

Let’s take a look at how to become a part of this exciting and fast-paced field. From your first day in culinary school to the day you are promoted to head chef, what does it take to make your mark in the field of culinary arts?

Can you go to culinary school with no experience?

How do I become a chef without culinary school?

Speaking from experience, you do not need any previous experience to get in to a culinary school. Like many schools, if you claim to have the passion, and are willing to pay the bills, you can get into a culinary school. I had no professional kitchen experience before attending Le Cordon Bleu, a few years ago. It is not easy to succeed, since many individuals will have previous experience and more knowledge. This should not not keep you from following your passion in the kitchen. Culinary school can either be a place to hone your skills in preparation for becoming a chef or it can be a place to start your journey in working in the food industry.Do I need to go to culinary school to be a chef?

You can also get a job in a restaurant kitchen or even a fast food restaurant with little or no experience so you can practice your newly acquired skills. All you need is a willingness to work hard and learn, as well as a passion for food. The first answer above is correct in the fact that it is not always glamorous. You’ll have to do a lot of things you don’t enjoy, and may not seem related to what you want to do in your career, but it is all important. If you really want to be a chef, and have a love for all things food related, it is worth it, because in the end, if you’re doing what you love, it doesn’t feel like you’re working. I still can’t believe I get paid to play in the kitchen every day.

How many years does it take to become a chef?

It usually takes only two years to complete and is offered by a variety of institutions, such as community colleges and culinary schools. During the two years of education, students should expect to gain an extensive array of culinary skills and knowledge that will provide the foundation for a career as a chef.What’s the difference between a cook and a chef?

 

The following are some schools to consider:

 

The Culinary Institute of America (CIA)
The world-renowned Institute of Culinary Education (ICE)
Kendall is the Accelerated Associate of Applied Science degree in Culinary Arts,
New England Culinary Institute (NECI) The International Culinary School at the Art Institute of Washington
San Diego Culinary Institute (SDCI)
Schoolcraft College Detroit Culinary Arts (Detroit)
St. Louis Community College (SLCC)
Delgado Community College (DCC)

 

Where Are Americans Moving? What You Need To know

Mar
26

A Prepared State of Moving

Moving long distances, like state to state or (gasp!) coast to coast can be quite the headache. However, if you stay calm and organized, what for some is often a colossal disaster for you can be a perfectly orchestrated adventure.

Your first task is finding the right moving company, particularly in the case of long-distance moves. Is the company big enough to get the job done? Small enough to understand your needs and pay attention to your individual details? These are the big questions you must ponder in order to get this done the right way.

Why, you ask, would anyone want to make such a move? Well, according to several travel bureaus here are some of the leading reasons people choose to move long distances:   

New Job: Most survey’s suggest work is the number one reason people move out of state. In many cases where a new job is involved moves often remain in-state, but often they are initiated in the hopes of landing a job that has yet to materialize. 

Education: Another popular motivation for people moving across state lines is higher education. College students off to school make up the largest demographic in this category, but it also includes students transferring from one university to another as well as families hoping to move their kids into a better school district.

Retirement: Ahh, the promised land of post work life! Warm weather for many is more than just a pleasure, as it can be vital to personal health, and many seek warmer climates for that reason alone. Many relocate to the northern climes as well, but that’s not a very sexy story. A lower cost of living and greater access to healthcare work also appears to make some states more attractive to retirees.

Amenity Access: All areas have something different to offer and moving closer to those you like can be a huge advantage. Access to healthcare (particularly research hospitals) is perhaps the biggest reason people move to another state. Better schools, more public park space and lower tax rates can all contribute to the decision to relocate to another state (although not likely at the same time!).

Needed Change of Pace: Not everyone has a solid financial or personal reason for relocating to another state. Often moving has less to do with needs and more to do with wants. When life gets a bit stale a change of pace or scenery can make all the difference. 

So just where are Americans moving to these days? Here is as short list of places recently deemed desirable in the 21st Century:

Rochester, Minnesota

Population: 110,275

Rochester’s rise to the top of many Best Places listings has been steady but not surprising. Praise for Rochester’s schools, civil engagement, available health-care and, most notably, its diverse range of affordable housing has given this northern midwest city quite an advantage. Home to the renowned Mayo Clinic, Rochester is experiencing an economic boom that is bringing in thousands of new residents and new businesses and giving those who live there an expanding assortment of entertainment options.

Bellevue, Washington

Population: 134,630

moving to minnesota

Lakes and mountains surround Bellevue, a Seattle suburb of more than 120,000, while a tapestry of lush parks provide residents with abundant outdoor recreation options. Bike paths and sidewalks make getting to and from the city’s many festivals, museums, restaurants and music venues easy. A population that is 40 percent minority provides a diverse range of lifestyles and ideas and Bellevue schools have been recognized to be among the top in the nation.

Madison, Wisconsin

Madison Capitol Building, Madison, USA

Population: 243,122

Not only does Madison have one of the top rated health-care systems in the country, it also has a high performing school system and strong economy. The University of Wisconsin (and a handful of other schools) gives Madison a large student population, but being the state capital also means this city offers some serious culture

Santa Barbara, California

Santa Barbara, California

Population: 90,401

A collection of beaches, mountain views and resorts help make Santa Barbara a popular tourist destination. Great schools, a highly ranked health-care system and strong economy make living in this California city feel like a dream come true. An abundance of farm-to-table restaurants, unique shopping experiences, plenty of outdoor recreation and fantastic weather keep Santa Barbara a top choice for relocation.

Boulder, Colorado

colorado

Population: 103,919

Known as one of the best cities in middle America, Boulder spoils its residents with pristine natural surroundings, a strong farm-to-table restaurant scene and dynamic arts and cultural attractions. Each season features plenty to do in Boulder. Many of the city’s highly active residents plan their days around hikes, rock climbing, mountain biking and fishing. Public Schools, too, are very highly regarded in this mile high city. 

Palo Alto, California

Population: 66,478

Those fortunate enough to live in Palo Alto enjoy a city that surpasses most quality of life standards. A long list of amenities starts with a 31-mile dark fiber ring around the city that provides ultra high-speed Internet. There are many things to do in Palo Alto, like playing in one if its many parks or dining in one of many unique restaurants. Palo Alto’s residents are politically active, socially minded and strongly support the city’s highly rated schools.

Bismarck, North Dakota

Population: 66,980

Located on the east bank of the Missouri River, Bismarck offers residents a large park system with walking and biking trails, a growing economy and attractions like the Dakota Zoo and the Kirkwood Mall in the downtown area. Newcomers find much to like in Bismarck’s affordable housing market and access to excellent hhealthcaresuch as Sanford Health, Bismarck’s largest employer.

Ann Arbor, Michigan

Ann Arbor

Population: 116,194

Local schools are a high point when it comes to the quality of life factors that make Ann Arbor among the top cities in the nation. The University of Michigan, with nearly 50,000 students, makes Ann Arbor a perennial candidate for top college town in the nation and plays a big role in the city’s economy and culture. More than 150 parks, the Huron River, a large assortment of restaurants and shops give those who live in Ann Arbor numerous options when it comes to available entertainment.

Iowa City, Iowa

Population: 71,832

Highly ranked schools and a strong health-care system have helped Iowa City become a highly desirable place to live. But to get the full story take a look at the University of Iowa, which helps set the cultural tone. The city’s large assortment of arts and entertainment options draw in new residents and affordable home prices keep them there.

Sioux Falls, South Dakota

 South Dakota

Population: 164,341

A range of neighborhoods, great schools and entertainment offerings routinely draw newcomers to a city that ranks high in health care and amenities. The city is defined by its spectacular Falls Park, the local economy is led by hospitals, banks and telecom companies and Empire Mall, a 1.3 million-square-foot shopping center, draws millions annually from across the Midwest.

As you can see, desirable locations abound all across the United States and the only obstacle keeping you from them is your desire to relocate. But be sure you plan well; choose your moving company carefully and be ready to reap the full benefit of a wise choice.