To create a stable financial foundation, it is important to review your past remembering your restraining opinions and worries around money. Reviewing your financial history and thinking patterns will help you identify the blockages to your financial security. Being mindful of your financial obstacles gives you the opportunity figure out when you accepted these thoughts. It will also help you eventually reconfigure your financial plan to be financially secure. It’s astonishing that people are repressed by restricting anxieties and views about money. This understanding of money has been rooted in us from our experiences, environment and what we were told about money.

I use a three step process to help my clients understand their money attitude. The three steps are realization, perception and remodeling. The first step is to become conscious of your money mental blocks. The next step is to comprehend when and where these beliefs started. After you have determined what the limits are and their origin, the final step is restructuring that specific thought to an affirmative view.

Below is an outline of three steps to uncover past experiences that may be replaying in your sub consciousness.
Familiarize yourself with your money background: Working with clients, I request straightforward explanations to intriguing questions regarding money in their childhood and how money has come to them in the present. Ask yourself the questions below to help pinpoint contrary beliefs that may be hindering your progress.
What is the money history from your childhood? What did you observe, experience or listen to regarding money?
Who taught you about money? Who was the significant person that affected your thinking about money?

Comprehend the effect your money history has on you currently: After classifying your past experiences and observations about money, you will next review the way this story influence your money actions and decisions. Ask the next questions below.
In what ways did past money experiences and observations appear in your current behavior? This includes, monetarily, your feelings, materially, faith or religion. It also includes any other affects these moments have had on your present life.
What is the bottom-line idea in the money story? Some examples are:
I dont manage money well.
Too much money will decrease my faith.
I dislike people that have lots of money.
Doing work you enjoy will not make you wealthy.

Recondition your behavior: After becoming knowledgeable of your money history and its affect on your current actions, you are now ready to reorganize your thinking. One of the best methods to re-program your thinking is by placing a rubber band on your wrist and snapping yourself for every negative thought that surfaces in your mind regarding money. This works because you become upset and sore from this action. In case you want a milder path, keep a journal to record of every negative thought and prove why its false. Write down the instances, where your life has demonstrated the opposite.Being completely honest, I went through this process a few times discovering deterring beliefs about money that I have accepted subconsciously through life. My parents gave me excellent money management knowledge and also implanted that financial security derives from money earned and perks. Basically, being an employee provides financial security – but this belief is not supportive for a business owner. I changed my thoughts to believe that I could depend on myself.

This practice of analyzing your money beliefs can be more significant than creating a financial plan or knowing your current financial position to decrease debts and accumulate wealth. You need a strong financial foundation which is your conscious and sub conscious state of mind.

For most investors we have to depend on financial statements issued by companies, although over the years we have seen many companies falter even when reporting massive profits in prior years.

Veteran Investor, Warren Buffet of Berkshire Hathaway has more to say on this topic. In this year’s letter to shareholders, Mr. Buffet stated “never trust the financial statements of companies, and don’t just focus on profit figures….research and focus on broader financial figures”, as reported by The Daily Telegraph March 7, 2011, Vol.1, No 2274.

So, can we rely on financial statements? Yes and No!

As Investors, we should understand that companies cannot give us a more detail picture of the company and this is mainly due to competitive reasons and revealing their strengths and weaknesses.

If that is the case, then we should then ask if the financial statements issued can be used to assist us in making a reasonable decision about the company?

The figures in financial statements are mainly collated to show how much profits are made by the company.

To arrive at a profit, companies have to abide by rules set by the taxation department of countries as to what can be claimed as expenses, to arrive at a profit.

In essence, it is a document that shows at the end of the day what taxes are to be paid from profits. This suits the requirement of taxation departments.

Profit figures are also used to show various ratios like price earnings, dividend growth and yield. These are the main figures investment brokers tend to use.

It is difficult to establish that this profit route is a good indicator of the viability of the company. Especially when we consider that it is the unilateral rules of taxation authorities that ascertain what should be included in the calculation of profits and net assets.

An investment analysis should be conducted on each aspect of the financial data that is allowed to be given to us.

Analysis of other financial information such as assets, inventory turnover, and liabilities should be conducted.

One of the more pertinent information is in the Notes to Financial Statements. This gives us more information on the composition of each financial data.

The Notes also provide us with historical information and the structure and policies that had an effect on the financial data.

However, we should still keep in mind that the financial statements are mainly written up to show taxable income.

So, as Investors, what can we do to assess companies?

One of the main areas is assessing the financial viability of the company. An investment analysis needs to be carried out in this area to appreciate any viability of the company.

By knowing this, we can at least have an idea of how vulnerable the company may be in different market conditions, so that you can invest wisely, and according to your risk levels.

Financial viability studies and work are mainly conducted by investment analysts. Some of the reports are contracted to the broking community.

Trusting Financial Statements have its limitation, and looking further into the figures and having an understanding of the ” how” and the “why” these figures are given will provide us with a clearer insight into the company.

Relying on bottom line figures such as Profits and figures on face value as stated in Financial Statements is not a good option.

The current perception that annual reports, broker reports etc are a good indicator of a company cannot be taken wholeheartedly without a further breakdown of that information.

By conducting an investment analysis of all publically available information, will further strengthen your decision making skills.

Broadband speed, mobile devices and web 2.0 technologies have transformed how we communicate and interact online. In the wake of the largest transfer of offline to online users in history, financial firms have been largely detached from leveraging social media to their benefit. The lingering effects of the global recession have also contributed to continued erosion of investor confidence. This has left sophisticated and high net-worth investors hungry for positive news amid negative general sentiment.

Today’s internet users are constantly shifting from at-work to at-home states of minds. Mobile phones and tablets are a major reason for the permanent change in users behavior. Financial marketers have an opportunity to repair tarnished images through meaningful social media marketing campaigns. In addition, smaller, more nimble financial firms have a window of opportunity to establish highly competitive social media presences.

Offer thought leadership.
Whether you’re looking to communicate to clients or solicit advisors or prospective investors, it’s essential to profile your audience for the information they will respond to the most. By using a well-prepared communication profile, you can create relevant content designed to attract and bolster your corporate profile. Content can also be prepared for financial websites and distributed on social media sites like LinkedIn. For more information on using LinkedIn, read our previous article.

Connect with sophisticated investors.
Financial firms and financial advisors have done little to connect and maintain relationships with prospective clients on social media sites. By offering compelling updates and expanding your online network, you can improve your online reputation. Responding to daily events and market changes through tools like Twitter can further strengthen your online relevancy beyond your financial website.

Reduce costs.
Reduce your traditional advertising costs by implementing a social media plan to reach your key demographics. Traditional advertising, such as television and print, relies heavily on long-term, impression-based awareness. Well-crafted social media plans with paid search integration can deliver prospects specifically interested in your services. Financial institutions can significantly reduce cost per acquisition and allow chief marketing officers to deliver more specific return on investment (ROI) comparisons.

Improve confidence.
Your target demographic isn’t immune to the generally poor sentiment resonating around large financial brands. Help improve investor confidence by providing direct and ancillary evidence of the role your institution is playing in the recovery. Ultimately, you will promote your financial institutions ease of use online and access to financial tools.

Promote corporate social responsibility.
Financial marketers have long benefited from nonprofit and cause-based partnerships. As donors and sponsors share similar profiles, social media sites like Facebook offer ideal platforms to highlight corporate social responsibility (CSR) programs. The secret behind raising your financial brand’s CSR awareness is through external references that ultimately benefit the organization. These mentions and updates optimally will link back to the CSR portion of your website or social media site, allowing visitors to learn more and ultimately leave contact information. Facebook ‘likes,’ for example, are an effective way for individuals to become fans of your CSR activities. As a fan of your financial organization, they are engaged and interested in your brand and will receive all future updates and news items.

Alliance Interactive financial web design services helps financial organizations of all sizes market online effectively, with tools and resources specifically designed to engage users at work and home. Founded in 2003, and headquartered in Washington DC, Alliance Interactive offers interactive marketing, consulting, integration and web design services on the latest technologies available. We help brands engage users, maximize their presence and communicate effectively online. To learn more, contact Alliance Interactive at 888.222.9056 or visit us here for more information.

When it comes to investments and various financial services, London continues to be a world class financial centre.. The finance industry as a whole comprises of many different institutions. This wide variety of businesses with different specialism means that people are often spoilt for choice – and Richmond is no different. When it comes to independent financial planning, Richmond is a great place to begin searching for help. Many cities around the world can boast a large amount of financial companies to choose from when it comes to getting help from an investment advisor. London, in particular, continues to be a very important financial hub worldwide – with a good mix of very experienced, highly qualified people and fresh ideas.

The main purpose of financial planners and helpers is to guide people into making proper decisions for their long term financial health. A good advisor will take the time to get to know you, discuss where you are now and where see yourself over the next few years, when you plan to retire and how you wish to spend your retirement. It is important that you are clear about the standard of living you hope to have once retired. He or she will also look at what assets you currently have, your income levels and your current and expected outgoings. Your income and outgoings will change over the years – you might be able to pay off your mortgage, your children will finish full time education and you might perhaps be planning to buy that longed for second home abroad. Both short term and long term financial goals should be considered, before developing a strategy. A good financial plan will include investment planning, retirement planning and pensions, tax planning and ensuring that there is adequate insurance cover.

Developing a good investment strategy to achieve someone’s long term goals is a highly specialist area and often best left to the experts. A good financial advisor, who is likely to be highly qualified in the area of financial planning, will develop a plan that has an appropriate level of risk and return that is consistent with the agreed aims and objectives. An effective investment plan should consider how your assets will be allocated – this will cover how well diversified is the portfolio of investments is across a range of industries and geographical regions. The key of objective of your financial advisor is to try and maximize the return on your investment portfolio while minimising the level of risk to which you might be exposed. He or she will know the best methods of investing your money in a variety of financial vehicles, making sure that your investments are also tax efficient. Your specialist investment advisor should take the time to regularly evaluate your investment portfolio and check that your financial planning strategy is still on track. This will involve reviewing your portfolio of investments and ensuring that it is still consistent with the current aims. The financial planning specialist can provide ongoing management of your investment portfolio.

When selecting your investment advisor, do check that there will be regular reviews of your financial planning strategy, checking how your portfolio of investments is faring and deciding if any corrective action needs to be taken. Your advisor should give you measured advice, that is long term in view rather than focusing on the short term events in the stock market. Your financial planner will have detailed knowledge of a broad range of investment opportunities and should be in a good position to recommend the best options for you and your long term financial plan.

There are many different methods that financial institutions use to invest money, and many of these methods are too intricate for most people to understand. Extensive research really needs to be done by a professional before any decisions are made. Financial services, London are a tremendous asset to the UK economy, generating a vast amount of financial expertise notably independent financial planning. Richmond is one such place that can especially benefit from being close to a world class financial centre. There a numerous well qualified investment advisor. London has plenty of people who can help those in need of investment advice. A person should always make sure that they have done extensive research before committing to a particular advisor.

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