Budgeting

Everything you Didn’t Know about Retirement Taxes

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Nobody has actually told you this – but do be duly informed about the fact that you’ll be paying up more “complicated” taxes during your retirement than what you are paying up now – while you’re working. So, anyone who’s on the verge of retiring should consider a thorough perusal of this write-up – because, here, we’ll explore one of the little-known nuances of retirement – i.e. taxes. Documented below are details.

How Much do you Know about Retirement Taxes?

The key is to understand what is taxed while you’re retired and what is not! Do let us tell you that when it comes to money – a couple of “loose” statements don’t really help. For instance, how many of you know that Social Security checks are not taxed? The answer is many. However, on further education, you will actually come to know that a lot depends on your income! While most of the retirement withdrawals involve Federal Taxes—the amount of tax that you will have to shell out depends on where you live. The tax rates on your investment will vary widely as well.

Taxes as Per States

There are 13 states, for instance, where residents have to pay State Income Tax as well! Kansas, Colorado, Missouri, Connecticut, Montana, Nebraska, New Mexico, Vermont, North Dakota, West Virginia, Rhode Island, Utah and Minnesota are among these states. The seven states that don’t charge you State Income Tax are Florida, Nevada, Alaska, South Dakota, Washington, Texas and Wyoming.

However, if you’re staying either in Tennessee or New Hampshire you will have to pay taxes only on the interest and dividends. So, retirement income might as well be exempt or partly exempt or just offset or just fully taxable.

What Should you Know about Social Security Taxes?

As far as your Social Security is concerned, it’s your combined income which determines whether at all it will be taxed or not. Your combined income is the result of your adjusted gross income along with any non-taxable interest and around half of your Social Security benefit. For instance, if your Combine Income is below $25,000 and you’re single then you will not really be taxed. If your combined income is something around $25,000 – $34,000 then you might as well have to pay taxes on around half of your taxes. If your combined income exceeds $34,000 then around 85% of your benefits are taxable.

Retirement taxes also entail estate taxes. Yes! There are around 12 states and the District of Columbia that also end up levying estate taxes. Maine, Hawaii and District of Columbia use the Federal exemption amount. However, if you’re in Massachusetts or Oregon, your estate worth $ 1 million or more might as well be taxed.


Warning To Business Leaders: Bad Habits You Need To Avoid 100 Percent

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Business Leaders

We all suffer from bad habits; some of which are caused by a lack of self-awareness. Sometimes, feedback is key, enabling us to pick up on the habits that are harming us. This is especially true in business, where some bad habits could lead to problems in your operations. Now, we aren’t talking about picking your nose in front of customers (though you should probably avoid that), but there are other habits that need to be brought to your awareness.

Consider the following:

Bad Habit #1: Failing to delegate to others

You aren’t a master at everything, no matter how much control you try to retain. Delegating to others gives you a break, and it also shifts some of your work over to other staff matters who may be better at a specific task than you are. Your team will probably appreciate the added responsibility too, and will be grateful for the trust you have bestowed.

Bad Habit #2: Spending too much money

This is something we can be guilty of in our personal lives, but it also spills over into our professional lives too. Whether it’s those unnecessary expenses, such as office lunches or spending way over the odds on tech that you don’t particularly need, you do need to curb the temptation to spend if you ever want to see the fruit of your profits.

Bad Habit #3: Not taking time out to learn

You may have been to business school, and taken courses such as an msc in management. Does that mean your learning is over? Of course not. It pays to brush up on your skills, especially when it comes to sorting out your weaknesses. You should also remember that in business nothing stays the same, so focus on your learning to keep up with industry and consumer demands. After all, you don’t want to be left in the dust by your nearest competitors.

Bad Habit #4: Not listening to complaining customers

Okay, so you probably nod your head and appease your customers whenever they have a complaint. However, you need to REALLY listen to them, as their feedback is invaluable. Good customer care will skyrocket your business, so make them the center of everything you are doing, and if action is needed after you have listened to yet another grumble, get on it straight away. Word of mouth is everything in business, and your reputation will plummet if your customers grumble about you elsewhere.

Bad Habit #5: Working too hard

There is so much to do in the day, so it’s unsurprising if you fall into the trap of pushing yourself to your limits at times. However, life is about more than work, and you will only make yourself ill if you continue to spend all your days working. Again, this is where delegation comes in, as do time-management skills. Get out of the office more, enjoy your family and leisure activities, and better organize your time at work.

Closing

Did any of those bad habits ring true to you? If so, take your finger out of your nose and concentrate on overcoming them. Both you and your business will benefit if you do.


Weighing Up The Cost Of Supplying Company Cars

Having the best employees is the key to business success. Without a good team to handle the day to day running of the company, you’re never going to get anywhere. That’s why it’s important to attract the best talent and keep them at the company by treating them right and offering them good benefits and incentives. Good health insurance and a healthy salary are the two main things that people look for but a company car can be a big draw as well. A lot of employers are unsure about supplying a company car to their employees because they’re worried about the cost. But the thing is, the price of supplying the car is often outweighed by the benefits it brings. To help you decide, we’ve added up some of the cost and the relative benefits.

vehicles you buy

Pexels

The Car Itself

Obviously, buying the car itself is going to be the biggest outlay. You can’t really get away with giving your employees a second-hand rust bucket so you’ll have to spend money on brand new cars. That can get pretty expensive depending on how many people you’re supplying cars for. You could just choose a few select employees and offer them company cars but there’s always the chance that will create resentment amongst the other employees, causing a drop in productivity and some may even leave the company.

Insurance

It’s up to you to take care of all of the costs of running and maintaining the company cars that you’re supplying your employees with. That means you’ll have to get car insurance on all of the vehicles you buy. That can get pretty expensive but if you use a good comparison site, you should be able to find some cheap deals. If any of your employees are in an accident, you’ll have to pay the excess and the increased insurance costs afterwards so it’s worth keeping in mind that there’s always the chance that insurance will go up in the future.

Tax

You’re also going to have to pay tax on all of those cars which can add up to quite a bit of money. Cars that get bad mileage and put out more CO2 emissions are going to cost you a lot more in tax as well so when you’re choosing cars, you can save money in the long run if you invest a bit of money in a better car.

Cash Instead Of A Car

A lot of companies are trying to strike a balance and avoid some of those costs by offering cash instead of providing the car itself. That way, the employee buys their own car and handles the tax themselves. You can supply enough for basic insurance coverage but if they have to make a claim, they’ll cover the excess and increased costs afterwards. Your employees still have a reliable vehicle to get to and from work but you’ll save quite a bit of cash.


Tax write offs for Sellers

last minute taxing filing tips

Happy end of tax season, everyone! We get it, you’re probably just about ready to wave goodbye to anything related to taxes. While this is fine for most Americans out there, quite a few should wait before they forget about taxes. People who are planning on selling their homes in the next several months, or have just recently sold their homes, should start preparing their tax plans now since there are several write offs in place that can save them quite a lot of money if they go about the process properly. For those who are planning on selling your homes soon, follow these tax tips so that you can maximize your 2019 return.

Understand exclusions

There is a major tax exclusion in place that benefits just about anyone who sells a house with only a few caveats. The first is that you must have lived in the house for two or more years within five years before you sell it. Second, you can’t have used this same exclusion on another property you sold within the past two years. Easy enough, right? Now here’s the exclusion.

Sellers don’t have to pay taxes on the first $250,000 of the sale if they’re filing as single, and don’t have to pay taxes on the first $500,000 of the sale if they file jointly. This is a fairly major tax break given the fact that the median cost of a home in the United States lies at around $200,000.

What if you don’t meet the requirements?

Luckily, the exclusion isn’t all-or-nothing in the regard that if you lived in the house for under two years, you may still be eligible for a portion of it. If you have a legitimate reason for why you had to sell the home so quickly, like job loss, deployment, or illness, then you may only have to pay taxes proportionate to how long you’ve lived there. For instance, if you’ve lived there for a year, and you’re filing as single, then you’d have to pay taxes on anything over $125,000 (half of $250,000), since one year is half of two years.

 

Other write offs to look out for

In addition to this exclusion, which is already pretty substantial, there are several tax write offs for sellers that can work in your favor!

 

  • Real estate agent commission: Real estate agents make money off of the commision from the sale, which you can normally write off when filing!
  • Closing costs: If you hired a titling company to assist with the closing, the associated costs count as a write-off.
  • Advertising: If you paid money to advertise that your home was on the market, you can write those expenses off!

 

In the rare case that you decided to go the seller financing route, or directly lending to the person who is purchasing your house, you may be eligible for several more tax benefits, so be sure to consult with a financial advisor if you go this route.

Finance Wand exists to help you understand finances and benefit from this knowledge! Whether you’re selling your home or not, we suggest you stay on top off all things tax related. It’ll only help you in the long run.


Budgeting Myths You Keep Falling For

As it pertains to personal finance, you can find few themes as polarizing as budgeting. Many people swear by the exercise of maintaining a budget each and on a monthly basis, while others virtually convulse at the reference to the word. With innumerable opinions as well as budgeting myths floating around, it’s no surprise that folks so strongly disagree in regards to the topic!

The issue is that mindless acceptance of a variety of these common budgeting myths could be the death knell for the finances. You’re reading this information, so what’s promising if you’re motivated to succeed with money. And with the appropriate strategies and behavior modification, practically everyone can win with money! Keep reading as we dispel most frequent in addition to harmful budgeting myths floating around the net!

Budgeting Myths

· You Don’t Have The Time and Energy To Budget

Most individuals have numerous daily habits which can be much less significant than they become conscious. People spend time constantly, and a bit of self-reflection and honesty will assist you to decipher what matters as well as what doesn’t. Creating a budget ought to be an absolute priority. No one really wants to deposit a paycheck only to understand their savings account is definitely the exact same as it is last time the check is deposited.

Think about observing your daily routine and examining what could possibly be optimized for better spending. In the event that you head to the gym every single day, perhaps you might save on gas along with membership fees in the long run by purchasing exercise equipment plus putting it in your basement. Similarly, if you eat out every day at lunch, have a few extra minutes to merely pack your lunch instead.

· Budgeting Is Tricky

Likewise, lots of people accept the laziest budgeting myth of all of them that making a budget is complicated as well as difficult. The fact remains that when you have a grasp of basic arithmetic and a readiness to invest the amount of time in organizing your finances, it’s incredibly easy to make a budget.

· Budgeting Is Tedious

You’d be astonished at how many individuals don’t create a budget on a monthly basis because they believe it’s boring. Do you know what else is dreary? The credit card statements. Plus collector calls. And bankruptcy court, in fact, every one of that’s pretty awful. If you’re a free spirit in regards to budgeting, stop and take a breath. You certainly can do this!

Once you obtain the hang of it, creating a budget isn’t bad by any means. And as time passes, you could even find it a little fun. Suppose that! Acquire your spreadsheet-loving, planner of a spouse or buddy to simply help provide you that extra push. Budgeting is really a key to helping you get free from debt. And being debt-free? Now that’s enjoyable.

· A Budget Will Feel Preventive

As a matter of fact. Unless we’re referring to the most recent tight pants trend, a lot of people hate feeling restricted in virtually any way. Being told what direction to go ranks likewise in fame to root canals and trips to the DMV. But people who buy into this budgeting myth own it backward. A budget authorizes you by helping you realize that which you can and cannot afford to invest along with may also stop you from finding yourself in financial binds in the first place.

· Student Loans Can’t Be Optimized

With costs of higher education on a relatively endless upswing, financing the debt is usually something folks want to prevent thinking about. Though, only a little mindfulness regarding your loans can go a long way. Several services could possibly offer numerous unbiased options for diverse credit cards that could help to make student loan payments a breeze. Locate the best credit card that could take in cash back, low interest, or rewards for good grades. More on this click how to refinance your student loans?


· It’s Not The Best Time For Me

Could it be ever likely to be the best as well as most optimal time? Not actually. Something will constantly come up. That’s life. Have you been postponing starting a budget simply because you have a birthday or anniversary coming up? Don’t allow that be your excuse! If anything, you will need a budget now significantly more than ever. A budget can help you work out how much you intend to invest in the gifts and festivities. Of course, each month will look different, however here’s the best thing: You realize the date of these holidays, birthdays in addition to anniversaries. They do not ever change!

Put them in your allowance months ahead of time so you can begin saving.
If looking at the long run with a bit of wise practice still isn’t enough, perhaps all that’s necessary is just a “miscellaneous” category within your monthly budget. In this manner, an urgent financial setback is nearly impossible. Making a budget might not sound thrilling; on the contrary, it will lay the groundwork for more exhilarating things.


Get More Customers with Free Stuff

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How would you like to get more customers? Dumb question, right? Who doesn’t want more customers. When it comes to people, no one can resist getting something for nothing. If you are looking for a way to get more customers, than now is the time to start giving away stuff for free. People love free stuff and will usually go wild over it. Why give away free items? Isn’t that a good way to go out of business? On the contrary, by giving your items away from free you are actually gaining customers. According to an article, giving away free services and products has been a great business tactic for quite some time. Think about the last item that you got for free. Was it a free water bottle when you purchase three boxes of cereal? How about a free CD or trading card when you send in a self-addressed stamped envelope? The fact is, freebies get people’s attention. When you got someone’s attention, you can control what they do. According to another article, there is no better way to gain customer locality than with giving your product and services away. So, how does this giving away free items for free work? The idea is really simple. Your one and only goal should be to get that service or product in the potential customers hands. How can you easily get items and services in people’s hands? Simple, by giving it away for free. What typically happens when people get something for nothing is they brag about it. This bragging is called free advertisement for you. Some additional things that happen when people get something for free include: they feel obligate to buy again, they wind up paying for it later, they think that getting more is a discount, they buy more when there is some mystery element to it, and they will talk more when they get free stuff.

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Why Are Paper Checks Still Favored for B2B Transactions?

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Individuals have long moved away from paper checks thanks to the convenience of digital banking services such as payment wallets and net banking. For average consumers even swiping plastic bank cards seem old school as more and more customers are seen using service such as Apple Pay at checkout counters. When it comes to B2C transactions there are enough reason why the paper check is all but obsolete. Then why do businesses still use checks to pay other businesses? Believe it or not, paper checks are more convenient for businesses. Most business enterprises make hundreds of payments each month and for them, point-to-point systems designed for individuals simply don’t make sense. It’s much easier for them to print checks in bulk and mail them to their vendors and utility companies. If you are wondering why businesses still have their checkbooks around, following are 3 reasons.

It’s More Convenient Than Cash and Credit Card:

While credit cards are great for average customers, they don’t do much for business enterprises. Businesses that need to pay other businesses don’t really get the option to swipe their cards. For using credit cards businesses owners and executives need to physically swipe them on credit card terminals to complete the transaction. The same goes for cash payments. To be able to make payments, business owners need to physically hand out cash bills. This forces them to go to the bank or ATM to withdraw the money and then deliver them in person. Paper checks, on the other hand, are issued by authorized accountants and executives. Unlike cash or credit card, paper checks can be delivered by others without the risk of misuse. They are not only printed in bulk to save time but they are also sent via mail. It takes mere minutes to print a check, seal it inside a window envelope, and get it ready for the mail guy.

Paying Contractors Who Have No Bank Accounts:

A lot of small businesses need to make payments to contractors who don’t have bank accounts. Before checks came along these transactions were done in cash. The reason cash became obsolete is because paper check allowed business owners to maintain a paper trail. Even when making quick payments to people who have accounts, paper checks are the way to go. It’s much easier to whip out the checkbook and write a check than to register the banking details and send out the money using payment wallets and net banking services.



Compatibility with Accounting Software Packages:

One of the major operational challenges of every business is to track the expenses. Most businesses buy high-quality quick books check and print them using the Quickbooks accounting software. This does two things. Firstly, the printing operation is much faster as the accounting software stores the digital copy of the signature and recipient details. The software also stores the invoices received from vendors. Accountants can seamlessly print checks to clear received invoices while keeping a record of the payments made. Now, because most accounting software packages for businesses are compatible with paper checks and not with online transfers and other payment methods, businesses using them have no option but to use business checks to pay for goods and services.

 


Why These Dangerous Jobs Are Worth The Money

Have you ever thought of yourself as different? Well, most people like to think they’re unique but some are just wired totally different from the rest of us. There’s something inside them that yearns for a challenge most others would call a step too far. Individuals that almost like to play with fire a little bit and risk their own lives for an invigorating feeling of being alive on the job are rare specialties. Maybe you could call them more nonchalant in how they regard their own safety and worth, but they would tell you they need something that gives them a thrill to feel alive. Thankfully for the rest of us mere mortals, these types of people are the lifeblood that greases the wheels of global economies. Quite literally, these types of people are and so willing to give their lives while on the job. A normal end to the day for most people would be to punch out and try not to get frustrated sitting in traffic on the way home. For those with dangerous but rewarding jobs, it’s a reluctant see you later to their colleagues and role at work; until the next day.

oil rig

Source Agencia Brasil

Oil rig worker

Yes in this day and age where technology can manufacture gigantic drills that weigh many tons and have their tips covered in diamond, oil rig workers are still very much needed. These men do all the dirty and intricate jobs machine cannot do. For example who else is going to look after and maintain the equipment? The rigs are offshore meaning the only way to them is by air transport. A helicopter is the choice vehicle to drop off and pick up oil rig workers that work mainly on tours that last several months each. They are in charge of the daily output of oil each day. Drilling far beneath the waves, the drills must be used in a precise fashion, so oil extraction is not only efficient but safe. It’s very common for workplace injuries both minor and nasty to be a part of the yearly cycle on the rigs. Puncture wounds, slashes and gashes, crushed limbs and broken bones are suffered by many workers around the world. However if you can brave the open sea conditions, love the comradery with your fellow riggers and get used to the physically demanding work, you’ll be paid a handsome sum of $100,000 a year. Many companies ensure they provide the healthcare for their workers too.

police sergeant

Photo source Dave Conner

Police sergeant

A police sergeant isn’t like his fellow officers. He or she is the one calling the shots on the ground. They play the role of a supervisor but don’t let that title fool you; they’re really hands-on. Police sergeants are in charge of teams of officers that are either consigned to a task force or in charge of patrolling a beat. They first must achieve a certified police degree which teaches them the skills of asset protection, security risk assessment, the ability to investigate and handle home and business property intrusions and be adept in sophisticated human intelligence gathering. The average salary is around $70-80,000 a year with the additional option of working toward a promotion to police chief where they head over six-figures such as $110,000.


Ripple vs Bitcoin – Which One Should You Invest In?

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While Bitcoin, launched in 2009,was the world’s first cryptocurrency, many other altcoins have since been developed with a range of different purposes in mind, including Ripple, now among the 3 most traded digital currencies.

Cryptocurrencies brokers worldwide offer the growing global trading community a huge range of coins to invest in. Cryptos trading platform Trade360 is one of the most popular of these platforms for traders who want to take advantage of the rapid price changes of leading altcoins. But many traders are currently unsure about which coin represents the best investment: Rippleor Bitcoin.

Extremely volatile at the best of times, this year the cryptocurrency market has taken big hit, duea series of pivotal events that have strongly negatively affected the overalltrading environment.

First, Facebook and Google announced at the beginning of the year that they would ban all cryptocurrency adverts on their platforms.As a result, you can no longer find ads for ICOs, wallets, or trading advice, because the tech giants believe that in an unregulated market, too many unscrupulous operators have been able to take advantage of novice investors.

Also in January, Coincheck, the leading cryptocurrency exchange, was hackedin one of the biggest heists in history, resulting in the theft ofaroundUSD 500 million in digital tokens. Many crypto experts had warned about this vulnerability, advising traders not to keep their coins on exchanges, but in hardware wallets.

Reports of further regulation of cryptocurrency trading,especially in hubs such as the Far East, are also affecting the market. Nevertheless, many analysts consider the fundamentals of the major coins to be strong and are continuing to rate them as sound long-term investments.

For almost a decade, the Bitcoin system and currency havesupported financial transfersvia a peer-to-peer network to make fast, direct and pseudo-anonymoustransactions usinga blockchain-based public distributed ledger. Many online – as well asbricks-and-mortar outlets –around the world also accept Bitcoin payments.

In 2012, Ripple was launched on its own network, RippleNet, offering a new kind of payment and exchange system aimed mainly at banks and financial institutions. The Ripple protocol is a real-time gross settlement system (RTGS) that can be compared to the SWIFT system. It has been adopted by many well-known international banks, and is becoming increasingly popular.

A good way of predicting whether a cryptocurrency is going to last is to analyse how widely it is accepted. Both Bitcoin and Ripple are now recognised and trusted by tens of millions of people around the world. While the original cryptocurrency has greater brand power, its younger rival has the edge in terms of being trusted by major financial institutions. It is also cheaper, and is therefore the choice of many in-the-know traders.


Breaking Into Financial Services: 6 Tips to Get Hired Quickly After Graduation

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The financial services industry is changing rapidly.

For aspiring finance professionals approaching or not far removed from graduation, this is a double-edged sword. On the one hand, independent financial advisory firms are actively hiring qualified young people. On the other, applicants need to refresh their skills faster than ever, lest they fall behind nimbler peers.

Still, there’s plenty of opportunity out there for those who know how to seize it. Follow these six tips to break into the financial services industry ahead of schedule.

1. Understand What You’re in For

Many entry-level finance jobs share something in common: long hours.

Really long hours, actually. It’s not uncommon for first- and second-year associates to put in 70, 80, even 90 hours per week, toiling long into the evenings and eating up weekend time. Needless to say, that’s not ideal for family men and women.

If you’re looking for a slower pace with better work-life balance, focus on boutique firms touting laid-back corporate cultures.

2. Know Your Limits

Take a realistic look at your candidate profile and set your sights accordingly. If you’re graduating from a second-tier school with a middling GPA, you’re not going to have your pick of plum opportunities. But that doesn’t mean no one will hire you, as long as you don’t fritter away your resources on long-shot bids.

3. Network, Network, Network

Definitely upload your resume to finance job websites and check local listings regularly.

Just don’t stop there. Search on Google for high paying jobs in finance sector, some of the most fruitful connections in finance come from old-fashioned networking, not glorified cold-calling. Attend as many mixers, job fairs, conventions, and other industry events as you can; every new setting is a new opportunity.

4. Be Prepared to Change Jobs

Not every finance job pans out. Six or eight months into a new gig, you might find that things aren’t quite as promised. And, as in any dynamic industry, layoffs are common in finance too. Be prepared to seek out greener pastures with little notice.

5. Lean on Friends in Finance and Adjacent Industries

Not all networking involves people you barely know. You probably have friends, older classmates, siblings, and other connections who’ve already broken into the finance industry. Don’t be shy about leaning on them for references, internship opportunities, and tips about yet-to-be-posted openings. There’s no shame in landing a job on the strength of a personal connection: everyone does it, as they say.

6. Invest in Additional Credentials

If you’re not gaining the traction you’d expected, consider investing in additional credentials, like a Series 7 license. You’ll build on the already-strong foundation laid by your finance or business degree and open new, potentially higher-paying doors to boot.

How’s Your Financial (Employment) Plan Doing?

You know better than most just how important it is for adults of any age to have a financial plan in place. For aspiring financial professionals, a financial (employment) plan is equally important.



If you’re not yet practicing what you hope to preach, what are you waiting for? It’s time for you to make and implement a plan to find a career-track job in the financial services industry. Once you’re established, you can help those who follow to do the same.


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