Subject: You need to protect your-money from this new financial-disaster.

From: AgoraFinancial <[email-masked]>
Date: Mon, 06 Mar 2017 08:08:55 -0700

March 6th, 2017.
===================================================================.
Financial-Crisis Notification-No.37325655872.
===================================================================.
Greetings [email-masked],

There is a secret government-plan that you need to watch-out for...

ALL of the money-in your bank-and even the accounts-themselves could be
frozen, leaving you totally unable to access any of it. This has been
spreading around the country lately; so many people go to get money-out
of their local-ATM only to be given an error-message saying that their-funds
are inaccessible!

Hopefully this has not already-happened to you, but even if it hasn't, that
does not mean that you are safe...you really need to know how you can
protect-yourself.

Please-visit here to learn the-details today: http://financeinfo.latestfinancenewupdates.com

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http://ubwe9.latestfinancenewupdates.com
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What is a 'Financial Plan' 
A financial plan is a comprehensive evaluation of an investor's current and future financial state by using currently known variables to predict future cash flows, asset values and withdrawal plans. Most individuals work in conjunction with a financial planner and use current net worth, tax liabilities, asset allocation, and future retirement and estate plans in developing financial plans. These metrics are used along with estimates of asset growth to determine if a person's financial goals can be met in the future, or what steps need to be taken to ensure that they are.
BREAKING DOWN 'Financial Plan' While there is no specific template for a financial plan, most licensed professionals include knowledge and considerations of the client's future life goals, future wealth transfer plans and future expense levels. Extrapolated asset values determine whether the client has sufficient funds to meet future needs. A good financial plan can alert an investor to changes that must be made to ensure a smooth transition through life's financial phases, such as decreasing spending or changing asset allocation. Financial plans should also be fluid, with occasional updates when financial changes occur.

Elements of a Financial Plan Financial goals: A financial plan is based on an individual's or a family's clearly defined financial goals, including funding a college education for the children, buying a larger home, starting a business, retiring on time or leaving a legacy. Financial goals should be quantified and set to milestones for tracking. Personal net worth statement: A snapshot of assets and liabilities serves as a benchmark for measuring progress towards financial goals. Cash flow analysis: An income and spending plan determines how much can be set aside for debt repayment, savings and investing each month. Retirement strategy: The plan should include a strategy for achieving retirement independent of other financial priorities. The plan should include a strategy for accumulating the required retirement capital and its planned lifetime distribution. Comprehensive risk management plan: Identify all risk exposures and provide the necessary coverage to protect the family and it
 s assets against financial loss. The risk management plan includes a full review of life and disability insurance, personal liability coverage, property and casualty coverage, and catastrophic coverage. Long-term investment plan: Include a customized asset allocation strategy based on specific investment objectives and a risk profile. This investment plan sets guidelines for selecting, buying and selling investments and establishing benchmarks for performance review. Tax reduction strategy: Identify ways to minimize taxes on personal income to the extent permissible by the tax code. The strategy should include identification of tax-favored investment vehicles that can reduce taxation of investment income. Estate plan: Create arrangements for the preservation and distribution of assets with attention to minimizing settlement costs and taxes. Review and update estate panning instruments, such as wills, inter-vivos trusts, power of attorney, medical directives, and marital trusts.

Carl Richards is well-acquainted with money-mistakes ??? not only because of his work as a certified financial planner, but also because of his personal experience. During the last housing bubble, Richards moved to a new city, was swept up by the frothy housing market and bought a $575,000 house ??? well beyond the $350,000 that he and his wife had initially budgeted. He borrowed 100% of the purchase price, and was told he could borrow more if he wanted. He and his wife opened a home equity line of credit. By the time the market started falling and he realized he needed to move back to Utah, they owed more than $200,000 on the original loan balance. They ended up having to do a short sale. In another previous bubble, the tech bubble, he kept a diversified portfolio and refused to let himself get into any tech stocks. At that time, he was at a big brokerage firm that did a lot of research, and he read a long report on InfoSpace. inRead invented by Teads ???I was like, nope, I won???t 
 do it, nope, I won???t do it, nope, I won???t do it, nope, I won???t do it, and finally, and I took $10,000 which was a lot of money then and is a lot money now, and I bought InfoSpace,??? he says. His stock is now worth $81. He jokes that the lesson he learned was that, ???if you throw in the towel on your plan, at least do it early.??? From his mistakes, Richards knows the value of creating the right plan and sticking to it. He???s now out with a new book, ???The One-Page Financial Plan,??? which was inspired by a common question he would field from friends and family who, say, in the last five minutes of a night out, after the bill was paid, wanted to get advice on how they should manage their money or invest their 401(k), or on other money matters.