Never forget that when you have an initial consultation with a financial professional you are interviewing them and they are interviewing you. You want to walk away from the conversation confident that this is a person who understands your vision for your future and where you are right now with your finances. The financial professional should ask questions to get to know you. If they don’t understand who you are and where you’re trying to go, how will they appropriately construct a strategy for investing your money? You should come prepared with questions for them as well. You need to know and understand their investment and money management philosophies. Make sure you interview more than one professional advisor. Too many people hire the first person they speak with, out of discomfort with turning someone down or not realizing that they need to talk to multiple people. Would you walk onto a car lot, test drive one car, and then buy it at the sticker price? Shopping for a financial advisor is the same concept. You want to test drive a few people to ensure you’re getting the best manager for your finances available. When you invest your money there are many factors you cannot control, but the person you hire is the single thing you can. It’s vital to get the best match for your own goals and personality as possible. There is some information that a financial advisor will need to obtain from you in order to appropriately assist you in your financial endeavors. They will need to know what your plans are for the future. You might have very detailed plans, such as an upcoming car purchase that you are planning within a year or two. Or you might be thinking of a more general plan that includes traveling during your retirement years. Whatever the case may be, you have made the effort and sacrifices to ensure that your family is able to live in the manner that you live, and having a clear picture of what you want your future to be like, financially, and sharing that information with your financial advisor, will allow your advisor to help you maintain your accustomed lifestyle. Go in armed with questions you want to ask. Encourage the professional you’re interviewing to answer thoroughly. Take notes as they answer so that when you get home and are trying to evaluate and select, you can remember what was said. If you’re not sure what to ask, consider using some of these questions.

- What services do you offer?

- What are your qualifications? Do you have special licenses or training?

- What approach would you employ when planning my financial future?

- Once you have formulated my financial plan, what ongoing services will you provide?

- What is your typical client, and how is the performance of their portfolios conducted?

- How do you calculate your fees?

Once you get these questions answered, you will have a basis to compare one advisor to another. You want to work with someone you trust, and someone who understands your goals. A one-stop shop is nice in theory, but beware of offices that offer services you will never need. The more services an office provides, the more their fees tend to run. See also microstore financement

Planning a wedding can be a stressful experience, especially if you are the bride. You need to make sure that you cover all the details that will be needed for your wedding. A list of the things you will need should include wedding invitations, entourage and sponsors list, clothes for the wedding, church details, and budget to name a few.

As of the moment, I am helping my cousin plan her wedding. She has prepared a couple of things already, but there are lots more we need to take care of. Take for example, her need for wedding invitations.

Wedding invitation details should be accurate. Do not forget to include the date, time, and venue of the wedding. Of course, no wedding invitations are complete without the list of entourage and sponsors. In relation, it is important to make sure that names written on the wedding invitations should be checked. Another thing you should include in the invites is the contact details for the RSVP section. In this manner, your guests can confirm their presence on your special day. Lastly, always proofread your soft copy or draft before giving your supplier the go signal to print the wedding invitations when all the details are in place.

Motorbike insurance Australia should be a priority among motorbike enthusiasts. Getting your motorbike insured is a smart thing to do since you can never know when accidents might happen.

There are different ways to have motorbike insurance Australia. You can go around your region and look for one. Another easier option is to look at motorbike insurance Australia available online.

The internet is full of companies who can offer you the best motorcycle insurance deals. Note, however, that you have to study what they are offering before you decide to get a certain motorbike insurance Australia. It may take some time before you find the perfect deal, but it will be worth the wait. On a related note, here are some factors insurance agents consider when quoting giving you their insurance quotes.

Age – The younger you are, the higher rate you might get. As can be observed, youngsters are more likely to take risks than their older counterparts. Hence, younger people are more accident prone—so to speak.

Mileage – The less number of times you use your motorbike for a ride, the cheaper your motorbike insurance Australia will be. Lesser mileage is somehow synonymous to fewer accidents.

Motorbike model – The newer your motorbike, the higher rate you will get from your insurance agent. Newer models need newer parts, meaning more expensive costs to be paid by the insurance company in case of accidents.

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Human Hair Wigs: A Short History

Wigs can be made of wool, feathers, synthetic, and horsehair. There are also human hair wigs available. These can be used for aesthetic purposes like disguising balding hair or falling hair caused by chemotherapy. Today, I am in the mood to research about wigs since my favorite aunt has been shopping for one. By the way, she is a cancer survivor. I wouldn’t be as interested in wigs if I did not have any relatives in need of human hair wigs. Anyway, here are some things I learned.

Apparently, periwig is the longer term for “wig”. As mentioned earlier, these are made from various materials. For a cheaper alternative, you can use yak hair. I found out that yak hair closely resembles human hair wigs, but for a less expensive cost.

In the early years, Egyptians used to have shaved heads. In order for them to protect their heads, they used wigs. Later on, wigs are used in theatres so that actors can portray varying roles better.

Later on, the use of wigs was not put on hold—so to speak. However, time came that people from the early days had to use human hair wigs to hide their balding heads. Moreover, I discovered that shaving hair to avoid head lice was a reason people used wigs before.

Getting a lease for you a leasehold property requires that you get a lease. This is a legally binding contract with the owner of the said property. The owner of the property is called the “landlord”, and you being the 2nd party will be called the “tenant.” Moreover, it is important to study the lease before agreeing to its terms.

Commercial lawyers will come in handy if you need to analyse a lease. Consulting them should cause no trouble for you. Remember, they will give you legal counsel regarding the lease at hand. Moreover, they can even point out the obligations that your potential landlord needs to abide to. In relation, you also have obligations to your would-be-landlord.

Speaking of obligations, you must note that it is usually the tenants’ responsibility to take care of any in maintenance needed for the property that is being leased. In some instances, the tenants may also be responsible for the external repairs, especially if he is the only one residing in the leased property. In some other cases, the landlord is expected to take care of external maintenance. This is, especially, true if the property is leased to several occupants.

Going on camping trips is one of my favorite things in the world. I just love everything about camping:  the smell of roasted marshmallows; the sound of crackling bonfire; the scary stories; and most especially the stars in the skies.

I love stargazing so much so I looked for ways to make stars of my own for my room. No, I am not talking about glow in the darks.

Xerox machines. Apparently, they can be used to make for a starry starry room. Here are some guidelines if you wish to make your own starry ceiling.

Materials: Xerox machine; bond paper (lots of them); talc powder, and cleaning materials. The last materials are needed after doing your experiment. Make sure to clean your Xerox very well.


  1. Sprinkle talc powder on the glass surface. Note, however, that there is no need for the glass surface to be entirely covered.
  2. Once you have a pattern, press the “Start” button.
  3. Leave the cover of the Xerox machine open. This will give an effect of a night sky filled with stars.
  4. You may change the pattern of the talc on the glass surface if you wish.
  5. Clean the Xerox machine’s glass surface when you are done with the experiment.
  6. Tape the pieces of paper on your ceiling. You can even add some mobile planets hanging on your ceiling.

As mentioned earlier, I’ve been trying out several dip lately. Here’s another dip recipe that passed my palate. Let me know if it passes your standards. Happy dipping!

Smoked Salmon Dip

You will need:

- 8 ounces cream cheese, softened
- 2 tbsp fresh parsley (chopped)

- 1 tbsp lemon juice
- 1 tbsp grated onion
- 1 tsp horseradish

- 1/4 tsp salt

- 1 1/2 cups of smoked salmon (chopped or flaked)

- 1/2 cup of pecans (chopped)

- 3/4 cup sour cream


1. Mix very well the sour cream, lemon juice, horseradish, salt, cream cheese, and onion in a bowl. Add the salmon and mix again. Transfer to a large bowl.

2. Mix the parsley and chopped pecans. Sprinkle over the salmon mixture done earlier.

3. Serve the dip with crackers. Makes 3 cups.

I do not in anyway consider myself a “techie”. My brother used to teach me about computer parts and computer software, but to no avail. Eventually, he gave up on me. I don’t blame him.

However, there are several things I love about computers and some types of software. Today, I’m marveling at the efficiency of project management software. I’m a workaholic—busy as a bee. I immediately asked my brother to tell me about project management software when I heard that it can help make my workload easier. This time, my brother indulged me. I am proud to say that I did not fail him.

Project management software benefits include the following:

-  Schedules. The software will help its users schedule and assign tasks to members of a certain team. This way, users can see who is doing what task for a project. The progress of the project can also be determined using the software.

-  Budget. Allocating resources for certain projects can also be implemented. Through the management software, expenses will be transparent.

-  History. Users will be able to keep track of the project from conception until such time the project is done.

I was down with the flu a week ago and decided to read one of the old books stored on my shelf. My eyes rested on V.C. Andrews’ Flowers in the Attic. Without any hesitation, I grabbed it and read it again.

I’ve had this book since I was 13 or 14. I remember almost all the girls in class had their own copy, too. I also remember that most, if not all, of us tried to hide this book whenever we wanted to read it. Looking back, I honestly think that I shouldn’t have had read this at that age. The plot was a little to mature for a young girl of 13.

Flowers in the Attic is a story about a family that once had a healthy and fun relationship. However, their fairytale story has an end. One night, their father died from an accident on his 36th birthday. The mother, who now has to take care of her 4 children, has decided to ask help from her parents. Everything would have been alright; except that the parents have disowned their daughter. The plot goes on to show that the mother, Corrine, had to keep the existence of her 4 children a secret from her dying father. This she had to do so that she can inherit the family fortune when the old man dies. The children stay locked up in the attic for a period of more than three years.

In the attic, the children have learned to be dependent on each other. In relation, their adolescent years were spent with each other. At some point in the story, Chris and Cathy end up having sex with each other.

Incest is a main theme in Flowers in the Attic. Chris, Cathy, Cory, and Carrie’s parents are apparently half-uncle and niece. It just goes to show that incest was to be part of the family “tradition”.

As stated above, this book is a little too much for an adolescent. Now that I am in my early 30’s, I have no qualms about having sex. I do, however, have issues about having sex with a relative. How much more if I were to do it with a brother or a sister? Another thing I didn’t like about this story is that Corrine (the mother) was able to abandon her own children and lock them up in the attic. My goodness! What kind of a mother could do that, right?

V.C Andrews has written quite a nasty novel. However, I must admit that I liked this book despite some of the issues I had. This story is so riveting I couldn’t really put the book down even if I wanted to.

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Paulo Coelho is one of the best writers out there. In relation, he tops my list of favorite authors. Reading his novels surely makes me reflect on my own life. The Devil and Miss Prym is one such story.

The Devil and Miss Prym shows a man carrying 11 bars of gold to the town of Viscos. He talks to Chantal Prym in a secluded area. In the forest, the strange man tells Chantal that she and the rest of the village will earn the gold bars if anyone will commit murder in the next seven days. However, the stranger will leave Viscos if no murder is committed. The stranger proposed such a scenario to Chantal because he wanted to know if men were essentially good or evil.

I’m not going to say more details about the story, except for the fact that I loved how Paulo Coelho was able to show Chantal Prym’s unease to the proposition. Her dilemma choosing between good and evil was clearly emphasized in the story.

The Devil and Ms. Prym made me think. What would I have done if I were in Chantal’s shoes? Would I have the heart to plot murder? Would one life be worth sacrificing in exchange for gold bars? Would I not feel sorry for myself if I didn’t commit the murder? A gold bar is a gold bar. For sure, it’s going to take you places for quite a long time, right? These are but few of the questions I had while reading this novel. I may never know the answer, and I definitely would not want to be in Chantal’s place.

However, what I do know is that The Devil and Miss Prym is a great read. It’s thought-provoking and realistic at the same time.