How to Get The Most From Your Retirement Planner

They can also help you develop an approved IVA or pension plan that suits your financial objectives. They can guide you through the application process and help you select the best suited plan for your needs. Financial planners in Melbourne also help you change your financial status to benefit from the new opportunities that may arise in your working life. They can even help you change your life and receive a new financial status after retirement.

In order to achieve financial independence, it is important that you meet your financial obligations after retirement. Your financial advisor can guide you through this process. One of the most common mistakes made by retirees is to take a lump sum amount when retiring. Instead, focus on increasing your income level and save the majority of your money for your retirement. When you work with a financial planner, they can assist you to plan your retirement plan and help you choose the right plan for your financial needs.

The second step towards financial independence is to set realistic retirement goals and achieve them. This means that you must have a clear picture of what you want to do and the amount of time it will take you to accomplish that goal. A financial planner can help you set realistic goals and chart your path towards achieving them. Once you know what it is you want to achieve, it becomes easier to create plans to get there. Your financial planner can advise you on the best course of action to take to achieve financial independence.

To achieve financial independence, you need to learn about investing and budgeting. A financial advisor Melbourne can teach you how to manage your investments effectively to ensure you are gaining returns you can live with. The more you understand how the stock market works and how to choose the right stocks, the more financially independent you will be.

Finally, you need to start saving early. Retirement planner Melbourne does not happen overnight so you have to set aside a portion of your salary or life savings each day to save for your retirement. This will ensure you reach financial independence in a reasonable amount of time. You can use a financial advisor to help you set up a plan or you can do it yourself. Whatever you do, you must be consistent.

Retirees in the Melbourne area are fortunate to have access to top quality financial planning services. A great financial adviser can walk you through the process and help you plan the ideal retirement for you. Even if you choose to take care of your own retirement planning, having an experienced professional to walk you through the process can give you peace of mind and a realistic idea of how long and how much it will cost you.

The best way to send money overseas

There’s three main things which will determine what the best way to transfer money is depending on your situation:

How much money you’re sending
What currencies you’re sending from-to
How quickly you need the money to arrive
In most situations where you’re not sending very large sums of money, an online currency transfer specialist is probably the cheapest way to send money overseas.

But it’s also worth checking out your bank for any good offers they have. Often you’ll have to have one of their premium style bank accounts for the fees to be competitive but it’s definitely something you should look at.

If you’re sending really large sums of money you’re probably better of going with a foreign exchange broker. Many have no fees and have better rates than your bank.

Whoever you go with your going to want to make sure you trust them with your money.

If you use any transfer company that holds your money and it goes bust whilst it has your money there’s no guarantee you’ll get it back.

One simple check you can do is to check that the firm is authorised by the country’s financial regulator. This is a good indication that they are financially reliable and responsible.

Things to Know Before Buying Bitcoin

Are you willing to buy your first Bitcoin (BTC)? You might be buying because you believe in its original ideology or think it’s a solid investment. Or perhaps you want to put some Bitcoin aside for your children. Whatever your reason, it’s important to keep your investment safe.

What is Bitcoin (BTC)?
Bitcoin is a digital currency that was launched in 2009. It’s stored using something called blockchain technology, essentially a chain of decentralized data blocks. There are now thousands of cryptocurrencies, but Bitcoin was the first and remains the largest.

What are the risks involved in it?
If you want to buy Bitcoin safely, you’ll need to consider the risks.

Cryptocurrency is extremely volatile. This year alone, Bitcoin has gained over 200% but has seen its fair share of crashes. And even though a reputable exchange or brokerage can help protect your investment, you’re still going to want to pay attention to how you can safely buy and store your Bitcoin. Let’s get into the topic.

Do your research:
The best way to handle the bitcoin investment is to know what you’re investing in and have a strategy.

Buying cryptocurrency is similar to buying stocks, but it is still in its infancy stage. That’s one of the reasons it’s so volatile. And with over 11,000 currencies out there, you have a lot of options to explore. You’ll have to look into individual coins for yourself and decide which ones you believe will be profitable in the long term.

Choose the best exchange:
There are several exchanges in India to buy Bitcoin. I would recommend “Koinbazar”, India’s leading cryptocurrency exchange where you can buy, sell, and trade cryptocurrencies safe. Their motto is to provide a user-friendly platform and intuitive experience to users all over the world. They have recently launched their mobile app for both Android and iOS platforms. Koinbazar offers 10,000 Shiba Inu tokens to the user who downloads and sign in to the app.

Deposit funds:
If you haven’t bought Bitcoin before, you’ll first need to deposit some fiat currency, such as Indian Rupee (INR), US.dollar, into your account. Koinbazar supports instant INR deposit options only for Indian users. So you can easily transfer your funds from banks to your wallet within few minutes. They will enable features for other fiat currency deposits in the future.

Buy Bitcoin (BTC):
After all that preparation, this step is perhaps the easiest. Log in to your exchange, build your profile details, complete KYC, link your bank account, deposit INR in your wallet and choose how much Bitcoin do you want to buy. You can easily buy Bitcoin in India with INR on Koinbazar.

Read More: How to buy Bitcoin in India from Koinbazar?

That’s it. You’re now the proud owner of your very own piece of Bitcoin. One final note: It’s natural to be tempted by the high-profile profits people have earned with Bitcoin. And you may be scared you’ll miss out if you don’t invest now.

Even so, it’s not a good idea to invest money you can’t afford to lose. If you’re saving your money for plans, such as buying a house or retirement, don’t risk investing in Bitcoin. And make sure you have a solid emergency fund before you do begin. By following these steps, you have a better chance of protecting your investment.

Final Thoughts
Over the long term, there’s been no better way to grow your wealth than investing in cryptocurrencies. But using the wrong exchange could make major issues in your investing returns. There are many risks involved in it. So, be careful while investing in cryptocurrencies.

The Glory of the Past and the Commotion of the Present

We are a distracted people – and by distracted, I don’t merely mean that we are momentarily preoccupied, rather we are incapable of focus. A recent study from Microsoft measures the modern human attention span at a mere 8 seconds… less than that of a goldfish and more akin to a bee or a fruit fly.

Our ability to concentrate has deteriorated in proportion to our obsession with digital devices and applications which have had a pronounced effect on the human brain. Modern attempts at coherent thought are regularly disrupted by texts, emails, social media alerts, or some other restless and twitchy digital distraction.

This sets forth the question of our time… how shall we preserve the glory of our past when we are preoccupied with the commotion of our present?

Consider those fundamental things that required more than 8 seconds of coherent thought… The American Revolution, the US Constitution, the Declaration of Independence, the Emancipation Proclamation, the Women’s Suffrage Movement, the Civil Rights Movement, Space Travel, and The Internet. And then there are the great works of literature that are neither character-limited nor condensed: The Scarlet Letter, The Great Gatsby, The Red Badge of Courage, Middlemarch, Wuthering Heights, Anna Karenina, The Fountainhead, Brave New World, The Catcher in the Rye, etc.

These enduring masterworks capture the conversations of their time, but what about our time? In what section of what library will they house our collections? In what galleries will they display our still-lifes and landscapes? In what halls will they play our sonatas and concertos?

Our moment in time is fraught with disruption, detachment and the transmission of so much information that we have lost our words, masked our canvas, and silenced our symphonies. We have forfeited precious, human relationships for vapid, digital connections and snubbed a mortal embrace for the cold tap of a soulless automaton. While we walk in the shadow of the inspired minds of Shakespeare, Tolstoy, Bronte, Dickens, Nabokov, Woolf and Eliot – our progress has come at the price of creative expression. The poetry of our time has been deadened by touchpads and dumbed down by smartphones as our metaphors and allegories have slipped somewhere beneath the protective film of our iPad Air and the haptic engine of our Apple Watch.

Every generation seeks to escape the limitations of the human condition by crafting a unique story. There are no short-cuts… not even for us. Siri is not going to chronicle our times. We cannot Roomba through the halls of modern consciousness or Uber our heart back home. We will not find our “mind’s eye” shared on Instagram or our heart’s desire booked into a $99/per night spare bedroom on Airbnb.

At some point, we have to address the meaning of life and the emotion of existence as so many societies, generations and civilizations have before us… or our very short stint on planet earth and our very small moment on the human stage may very well be deemed inconsequential.

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