Dallas Financial Planners

Are you a resident of Dallas? Do you want to make profitable investments? Taking wise and informed investment decisions is no easy task, however. The financial markets are complex in their working mechanism, and a common investor might feel lost in here. The market movements cannot be predicted with certainty, and the risk of losses always remains. A professional Dallas financial planner can help you in your investment decision-making. Indeed, with the help and advice of an expert Dallas financial adviser, you can end up with considerable profit margins on your investment.

There are various types of financial planners who can guide you in your investment and wealth-making decisions. You need to be sure of your exact requirements, before you search and find a financial planner. The different financial advisers include:

a) Certified financial planner,
b) Chartered financial consultant,
c) Chartered financial analyst,
d) Personal financial analyst, and
e) Registered investment adviser.

All the above classes of financial planners have specific functions. You need to be sure of hiring the services of the professional who would be ideally suited to your requirements.

In Dallas, there are a number of financial advisers, and hence, finding an expert financial planner is not too tough a task. Some of the most popular Dallas financial planners are:

i) Merrill Lynch,
ii) LGT Financial Advisors,
iii) Northwestern Mutual Life Insurance,
iv) Pegasus Advisors,
v) Championship Financial Advisors,
vi) Financial Success Coaching,
vii) Palmer Financial Planning,
viii) Principal Financial Group,
ix) Northwestern Mutual Financial Network, and
x) Cessna Financial Corporation.

Hiring a suitable Dallas financial planner is immensely beneficial to clients on a number of counts. Some of the ways in which financial planners can help you in your investments are:

a) Convenience & Expertise: Most common investors have neither the time nor the requisite skill to deal in the various financial market instruments. An expert financial adviser helps them arrive at informed, profitable decisions,

b) Fulfillment of investment goals: You should ideally have a target rate of return from your investments. Your financial planner can then help you attain these investment targets via intelligent strategies,

c) Experience: Most financial consultants have a large pool of experience to draw upon, when serving their client investors. This experience holds them in good stead while deciding which investment projects need to be taken,

d) Variety of Services: Dallas financial planners can help in investment decision-making in two ways: they can either take all decisions on your behalf. Or, they can simply make suggestions regarding projects that might be undertaken. Clients are free to accept or reject such advice,

e) Learning: You can learn a great deal about investment techniques from interaction with a financial planner. Such knowledge is helpful in gauging the benefits and risks of any investment project.

Texas is unique in some of its rules regarding investments, savings, budgeting and retirement planning. In case a person dies intestate, the rules are stringent here, and extra hassles might await the family. The financial laws regarding annuities, insurance, IRAs and estate planning is also rather complex in Texas, and hiring a quality Dallas financial adviser is an absolute must for handling them effectively.

In general, any common investor needs to completely disclose his/her current financial positions, so that a financial planner can provide the maximum benefits. Apart, from this, if (s)he has clear investment goals in mind, Dallas investment advisers can help him/her attain these targeted profit levels.

Bad Debt Credit Card – Get Rid Of Your Debts

There are many people who have a lot of credit card debt and they do not know how to manage it. When they pay the minimum each month, it seems as if the loan amount is not going down at all. Some people even become frustrated and either file bankruptcy or stop making payments to the credit card company. Both options will stay on your credit report for at least seven to ten years. You won’t be able to purchase a home or a car while these debts are listed on your credit report.

You have another option that will benefit you more than bankruptcy or stopping payments. You can consolidate your bad credit card debt in a few years. If your goal is to get out of debt, so you can get your life back, then debt consolidation is the best option for you. Debt consolidation is the process of paying one payment to the debt consolidation company each month. You won’t have to worry about handling your credit card debt alone anymore. Debt consolidation specialists are available to help you to get out of your financial problems.

The specialist will gather all of your plastic debt and add up how much you owe in total. The specialist will contact all of your bill collectors to try to get a lower interest rate. Your bill collectors may even be nice enough to offer you a zero percent interest rate. The debt consolidation specialist will contact you to let you know what the outcome is.

The specialist will let you know how much you will have to pay each month to them and they will in return distribute it out to all of your bills each month. They will tell you how long it will take for you to pay all of your bills out. Once you agree to the terms, you will have to sign a contract and choose a payment option. You can have the money taken out of your bank account each month or come into the office to make a payment.

After you leave the office, cut up all of your credit cards. Those credit cards are the ones that got you in debt in the first place. If you need to use a credit card, purchase a prepaid one from any retail store. These cards are safer and won’t put you in debt any further.

Discover the Secrets and Possible Solutions To Money Problems

It is sometimes pitiful how many projects are never born
or die simply because of the flimsy excuse : “We don’t
have enough money !”

There are many possible solutions to money problems.

When a practical, inspirational, exceptional idea raise
from your mind, don’t ask the question : “How much will
it cost ?” until the concept is fully discussed,
considered and examined.

First ask opportunity spotting questions like :

1. Is this a need filling idea ?

2. Would it be a great idea for the society ?

If it appears that the idea would fill a need or solve
a problem or create opportunities or contribute to
growth or bring about fruitful improvements, then ask
the question : “How can I raise the needed funds ?”

If the idea meets all the tests and you want it to be
launched, you will be able to find a way to finance
your dream.

Here are 10 secrets to solve your money problems :

1. You can begin with nothing.

Dreams cost nothing. Do you have a dream ? Are you
facing money problems ?
Then remember this : “All great projects begin with a
Projects can be started without a single cent.
If you have a need filling, glorifying, inspiring,
imaginative idea, share it with trusting, positive
thinkers and you will at least give your dream a chance
to come alive.
The most valuable product in the world is an idea and
good ideas magnetically attract support from unexpected

2. You can do a lot with a little.

You can organize a corporation with very little. It
doesn’t cost too much to have letterheads and calling
cards printed. So you can begin almost anything for
very little cash.

A little bit of money can go a long way to get a
project on the road. If there is a corporation or
organisation dedicated to the fulfillment of a
practical and beautiful dream, you can be sure that the
human instinct to preserve a positive idea will surely
move the project forward.

When dedicated leaders invest their best time, energy
and money in a project, they inspire other investors to
come their way. Investors are attracted to imaginative,
daring and honest leaders. A young man or woman with
big dreams and a little money, putting all that he has
into his idea, will find support coming from the kinds
of people who can lead him or here to success.

3. You can earn more money than you think you can.

Money should not stop you, for there is more money
floating around than you realize. Just because you
don’t have it doesn’t mean you can’t get it.
You are bearers of good news, for you tell people about
some wonderful product, service or opportunity people
might never have heard about. Many customers will
listen , love what they see and buy enthusiastically and
thank you for taking their money away in exchange for
something they joyfully purchase. You make people happy
when you help them spend their money.
The profit motive is a good motive if you look upon
money as a means of improving your society, your
family, your church or your own mind and body. The love
of money is the root of evil only if money becomes an
end in itself instead of a means to greater service.
So, get all the money you need.
The man who gets the money is the man who believes that
he can.

4. You can build your fortune on borrowed money.

There are millions of dollars waiting to be loaned out
to worthy enterprises and to responsible and would be
businessmen or -woman.
All money acquired in the banks and savings and loan
institutions must be invested.
If you can’t borrow from commercial institutions, you
can often borrow from private individuals.
Somehow, some way, you can borrow money to get started.
And remember that debt is not necessarily a disgrace.
Often debt is material evidence of a man’s courage and
Just consider all the possible benefits that accrue
when a responsible and honest person goes into debt.
Often you may never succeed unless you have faith enough
to dare to go out and borrow money.

5. You must understand what real debt really is.

What, after all, is debt ?
When you borrow money for food or the light bill or the
water bill, you are spending money that is gone
forever. This is a real debt.

When you want to borrow money to buy a car or a house
then you are not going into debt; you are going into
the investment business.

If you can’t pay off your house loan, you can sell the
house, pay the debt and any money you may have left is
your return from your investment. Then you have a
profit from you investment.

6. You will attract money when you fill a vital need.

It always pays to serve. Improve and expand your
business and people will come, income will automatically
increase and principal indebtedness will very naturally
take care of itself.

Provide unsurpassed service and you can be a success.
It is not a disgrace to borrow money to provide a
needed service. It is a disgrace not to give a good
idea a chance to be born.

7. You can get the money if you dare to ask for it.

The Bible says : “Ask and you will receive.” “You have
not because you ask not.”

Jesus Christ said : “Ask and you shall receive, seek
and you shall find, knock and it shall be opened to

Be positive , have a constructive cause. Let it be
creative and inspiring and people will be attracted.
Sell a wonderful new idea. Offer people an exciting
opportunity to share in building something wonderful.
Every person wants to be creative, important and
useful. The need to be needed is one of the deepest
hungers in the human heart and everyone want to spend
his money.
Give people a dynamic program and they will love to
give to it.

8. You can harness the pyramiding power of time.

Let time solve your money problems. Harness the
calender and let it harvest the crop of money that is
raised each year from the fertile fields of free
It’s quite possible that money is not your problem
after all. Your problem may be a lack of patience. So
learn how to harness time to let time make money for

9. Make God your partner.

This is the key which may unlock your door to success.
This does not mean that if you team up with God, you
will naturally be rich. But it is true that if you do
enter into a sacred agreement to make God your partner,
you will receive insights, inspirations, bright ideas
and courage to move ahead when and as you should.

10. You can start over again.

If you have suffered financial failure remember this :
“Fear is more disgraceful than failure.”
It is a greater disgrace not to dare to try again than
it is to try and fail.

Read the story of most millionaires and you will find
that many have been bankrupt at least once.
Don’t let that old cry : “We don’t have enough money
!”, keep you from accomplishing worthwhile projects.
There will be a way.

“When you need an expert, hire one. Don’t try to be

© 2003

Money Transfer Companies Fees Compared

Here is a money transfer comparison of the different methods to transfer money and some of the main companies offering such services. The three main methods for transferring money overseas are: cash transfers, money orders and bank transfers.

Cash Transfers

These are done by specialist companies that are able to transfer money around the world quickly and efficiently. Here are some of the main money transfer companies and also there fee for a $300 US money transfer from America to the Philippines.

Western Union are one of the leading companies in this field. They have a huge network of over 245,000 agents in over 200 countries all over the world and can boast a revenue of over $4 billion US. Besides money transfers they also offer a messaging service.

Transfer fee: $16 for the money in minutes service.

Moneygram has over 125,000 locations worldwide. There online service allows anyone to transfer money around the world within minutes. They also offer services to pay utility bills in the US from abroad.

Transfer fee: $9.99 for the ten minute money transfer service.

Xoom, another growing money transfer company whilst not being as established as the leading brands yet offers very competitive low money transfer fees. You can make payments online via PayPal, any major credit card or alternatively you can have money withdrawn straight from your bank account.

The recipient can choose to receive the money in either US dollars or local currency.

The slight limitation with Xoom currently is that they only services to the following 30 countries. They are:

Argentina, Australia, Bangladesh, Bolivia, Brazil, Canada, Chile, Colombia, Dominican Republic, Ecuador, El Salvador, Germany, Guatemala, Honduras, India, Jamaica, Mexico, Morocco, Nepal, Nicaragua, Panama, Paraguay, Peru, Philippines, Poland, Sri Lanka, United Kingdom, United States, Uruguay, and Vietnam.

Transfer Fee: $14, however a value service for 7.99 is available whereby Xoom makes an electronic withdrawal from your bank account, which has to be based in the US. The transfer may take up to four days to go through for new customers due to several set-up procedures that have to be completed. Xoom also offer a money delivery service whereby recipients can have the money physically taken to their house or business.

Money Orders

In America it is possible to get a money order issued from the US Postal Service.

The normal limit for a money transfer is $700 for each money order although you may buy multiple money orders per day totaling up to $10,000. The fee per money order is variable from between $3 to $9. A money order from the US can be converted to money at most major banks and financial institutions around the world. Each money order is traceable via its unique money transfer reference number. Most banks are able to issue money orders of up to around $1000 they will also have a fee of approximately $10 pre money order.

Bank Transfers

Banks usually offer several ways to transfer money. However all banks are different so you would have to check locally to find out what services are available.

One method would be to simply send a cheque overseas. However the bank where the recipient tries to cash the cheque may well hit them with a large fee possibly around $50 and they may also have to pay a fee for the money to be converted into the local currency. Checks can also take up to six weeks to cash

Another method is to do a wire transfer. You can do one of these even if you do not have an account with a bank but the recipient must have access to a corresponding bank where they can collect the money transfer. Wire transfers can be done almost immediately but you would need to pay in cash when you do it. The fee varies from bank to bank but usually they cost around $65 for non-account holders and approximately $40 for existing account holders.

So those are the main methods of money transfer outlined and some of money transfer companies fees compared. Prices may also be different depending on both which country you are sending from and also which country the money will be collected in. Please make sure you are clear on exactly what exchange rate you are paying as this can add greatly to the real cost of the transfer.

One final option that you may wish to pursue is that of finding a credit card that has low transaction fees for making withdrawals abroad. You could open a joint account and let the recipient take the card with them abroad and you simply foot the bill in your country. Of course a high degree of trust is required for this method but it is worth looking into.

There are many money transfer options and the lowest costing service is not always the best option so shop around and find which company offers the best and most convenient service for you.