What Is the Financial Advisor's Designation?

By Hank Brock

Your financial advisors designation has the ability to tell you a lot about his educational background. The designation can denote backgrounds in various areas of finance, business, insurance, accounting, and law. Common designations in the financial planning field are ChFC (Chartered Financial Consultant), CFP (Certified Financial Planner), CLU (Chartered Life Underwriter), JD (attorney), or CPA (Certified Public Accountant).

Remember, background is only one of the necessary criteria for selecting a financial planner.

By way of example, many assume that a CPA has far greater knowledge in the area of income taxation than other financial professionals. What most do not know is that the CLU exam has more questions in reference to taxation than does the exam the CPA is required to take.

The CFP designation is a more widely recognizable designation than is the ChFC. This is in part due to better marketing for the CFP. The ChFC designation requires more courses and has more rigorous exams than does the CFP.

Even areas of specialty don't mean everything. CPAs, for example, major in accounting. College accounting courses take a historical perspective. They look at recorded historical data -- which the CPA then records, puts on a form, and prepares as a financial statement or a tax return. Every business owner should have a good CPA who can assist with financial statements and money management.

The problem is that they are seldom able to take a future driven approach. That is the difference between a CPA and a financial planner. Even colleges recognize that the accounting program is different than the finance program. The financial planner takes a proactive, analytical, and long-term strategic approach. They are not reactive to the data, but influence the direction the data will take.

The worst financial advice comes from journalists. They are notorious for describing an extreme market position, emphasizing the sensational in order to sell magazines. In my view, journalists are more concerned with making a story than reporting one. Seldom do I read the complete facts as given to the reporter, but rather a hazy half-truth intended to make a warped yet sensational point. Seldom do I find good judgment.

A designation can be helpful in determining your financial planner's background, but don't get lost in the false assumption that a designation represents expertise.

About the Author:

Hank Brock is president of Brock and Associates, LLC, a firm specializing in retirement, estate, tax, and business planning. For more detailed information on selecting a financial planner, visit us online.

One Way Links 5 ways to get them!

By Brent Sweet

Link building is without a doubt the most important part of the SEO process. Your site may be centered around well chosen keywords and top quality content, but without an important number of incoming links with your main keywords as link text it will be difficult to obtain those top search engine rankings.

Let's make a list with several link building techniques:

1. Article Writing

This is a popular way to both generate targeted traffic and incoming links. Write original articles related to your niche and send them to article directories leaving your links in the resource box. Using the Bum Marketing Method can get the most traffic out of article marketing.

2. Link Exchanges

Finding sites in your niche and requesting link exchanges is another way you can build link popularity. Be polite in your request and try to show the webmaster why it will benefit you both to exchange links. Not only can you build links through this method, you could also make some friends with the same goals that help each other out on a regular basis.

3. Directory Submission

Do a Google search for the terms "general directory" or "your niche directory" and submit your site to as many directories as possible. Each submission can mean one more incoming link.

4. Comment Posting

Find blogs related to yours and make useful comments. Try to add value to the discussion and don't forget to include your site's URL. If a reader finds your comment has helped him, he will be more open to visit your site and listen to what you have to say. You can find loyal customers this way.

5. Social Bookmarking

Sites like Digg, Stumbleupon, Technorati etc are very popular social networks where users send news and interesting content. You can send your blog posts or content pages to these networks and they may generate traffic to your sites depending on the quality of your posts and also give you some backlinks.

These are 5 popular and effective ways to build link popularity. While these methods can be time consuming, they work and you should apply them on a regular basis.

About the Author:

If you need High PR Links click here, we will teach you how to get them.

How You Can Get Shawshank Redemption

By Steve Mildred

Nowadays, most people forgo the movie theaters, and just wait for movies to come out on DVD, or arrive at Blockbuster. Now we are now able to find movies to download with a movie download site. Here is a sample of the kinds of films which people are downloading from movie download sites.

Pulp fiction is a must see movie. This is director Quentin Tarantino's best work. With stars like Bruce Willis, John Travolta, Uma Thurman, and Samuel L. Jackson, you can't go wrong. I won't even try to explain the plot.

The Godfather is the ultimate mafia movie. It tells the story of aging Don Vito Corleone (Marlon Brando), head of one of the big New York mafia families. When Don Vito is shot by a rival mafia gang member there is a blood bath resulting in the death of Sonny (James Caan), the Don's first son. This leaves the future of the Corleone family in the reluctant hands of Michael (Al Pacino). At first reluctant to join in the "family" business, the killings turn Michael into a ruthless and determined mafia family leader.

The Dark Knight is the latest of the Batman movies. This is a darker and seedier version than the other Batman movies with spectacular special effects that has made it the top box office in 2008. In this movie we see Batman battle one of his classic rivals, the Joker.

Twelve Angry Men is an old (1957) classic. The story follows the jury deliberations of a murder trial. Juror number 8, Mr. Davis (Henry Fonda) is the lone dissenter, as the other 11 votes see the defendant as guilty. Eventually Mr. Davis gets the other jurors to drop their predispositions, and prejudices, and view the evidence more closely on its own merits. 12 Angry Men was one of the first noteworthy courtroom dramas.

Casablanca stars Humphrey Bogart and Ingrid Bergman. It is considered one of the best films ever made. It's during WW2, in North Africa, and Rick (Humphrey Bogart) risks his life to send the woman he loves Ilsa (Ingrid Bergman) to safety in America with her husband. This 1942 film has truly stood the test of time.

Star Wars is a battle for world domination in a past time. Darth Vader is building a weapon that will lead to his complete control of the universe. A young Jedi Knight, Luke Skywalker, and a rag tag team of smugglers and robots set out to free the rebel leader Princess Leia and destroy Darth Vader and his "Death Star".

The Lord of the Rings: The Return of the King is the final chapter of the trilogy. This epic rendition of Tolkien's great books is a spectacular visual. An absolute must see film.

One Flew Over The Cuckoo's Nest tells the story of R. P. McMurphy, who convinces a panel of psychiatric experts that he might be crazy. He does this to avoid going back to jail, thinking this will be an easy ride. Little does he know that now he can be held in the mental ward as long as the doctors deem necessary.

In Shawshank Redemtion, Andy (Tim Robbins) has been sent to Shawshank prison, wrongly convicted of killing his wife. Inside Shawshank he forms a powerful friendship with fellow prisoner Red (Morgan Freeman). He refuses to give up, and his decent spirit helps improve the lives of his fellow prisoners. His escape, and Red's release see the two reunite outside of prison, in Mexico, when Andy's grand plan is finally fulfilled.

This list is just a few of the literally millions of movies that are available to download online. Movie downloads could be the best way to wind up with a great film library. Using movie downloads is a new way everyone can use the web for entertainment.

About the Author:

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