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Monthly Archives: April 2018

Money Rules

Business and the ability to make money is now the target of the majority and some have openly expressed their feelings that Donald Trump will create jobs for them. Do they need a wakeup call? Hello! What can he do for anyone when he has threatened just about every country that deals with the United States in one way or another.

The uneducated and ignorance of people is echoed in their behaviour. The fact that they are falling for the potential leadership by someone who has never held office is extremely telling of how little they know or care. The same thing is being played out in Australia where the current Prime Minister is also on the brink of being a billionaire. He is promising to turn the fortunes of all around if they re-elect him on July 2nd.

His time in politics is brief and not something that has produced a good record of achievement. So why don’t people know to do their research and get a better understanding of what he can and might do for them?

Over my life-time many politicians have come and gone of all persuasions and my interest extends to those of other countries as well. Never has there been such a scenario whereby two leaders in the first world countries of great importance to world peace been so inexperienced and unsuitable for such high office.

People who have very little wealth or assets are the ones most likely to vote for them because they believe the dreams put forward from their mouths. They cannot discern the lies from the hype and politics that is being spun to get them elected.

Revelation 13:13-18 describes the second beast with the number 666 as Constantine, emperor of Rome. He installed a system of commerce by which the World Order is run today. It allows this problem to manifest because it is based on the rich having more wealth and the poor getting less. That means that rich politicians will do nothing for those who are currently pinning their hopes on the prospect of self-made billionaires showing them the way out of poverty.

My spirituality prevents me taking part in money-making enterprises and I can easily sympathise with those who need to make money in order to live. Memory of reincarnation has taught me that in the long run it does not do anything for anyone and as the world heads closer to annihilation by war mongering countries the prophecies concerning how 666 is destroying the world are being fulfilled.

Modern Financial Advising

Admitting It Is The First Step

Like with any significant self-improvement, determining whether or not you need assistance is the key to financial success. Unless you are a natural at portfolio management, you probably could benefit from the help of an expert. Deciding to allow someone to help create your monetary triumph is crucial. There is no shame in needing their expertise, especially when it has become so easy to do so affordably. Many modern companies have significantly lower minimum account requirements than previously held by traditional firms. Financial advisors have never been more accessible to new investors.

Decide to Invest

According to a seasoned financial advisor, the heart of financial planning can be summed up pretty simply: “You either have a plan, or you don’t.” Those without a specific approach often fail. After recruiting assistance, dedication to investment is crucial. Realize that attention to the status of your current portfolio is an investment into the status of your future portfolio. Decide that you are going to take a guided, methodical path to a more comfortable financial end. Sporadic, overly passive investment approaches are common pitfalls of individual investors who fail when attempting to go it alone. A solid strategist will encourage your desires by motivating you to remain dedicated to your plan. Remember-the sooner you begin planning, the longer your plan has to succeed.

Focus On The Future; Be Aware of The Present

The end goal of investment is the future increase. Trends in finance are constantly changing. A financial advisor can be of great assistance in this area, being more knowledgeable of these changes in a way that will increase the probability of multiplying your returns. Vigilant monitoring of the current climate is vital. Be sure that you have enlisted the assistance of someone who is dedicated to such surveillance. While your strategy might not necessarily always be comfortable, keep in mind that your future will be.

Great Banks Bring Comfort

Customer Service

When it comes to banks, customer service is key. You want to choose a facility that has short wait times when you are standing in line. Efficient and helpful associates help you place money in the appropriate accounts for maximum benefit.

If you are opening an account for the first time, choose a branch that has lots of friendly people who are willing to work with you to choose the right account for your needs. You want to compare checking, savings, and other accounts side by side with an associate who will have patience while explaining the differences to you.

Options

You don’t just want to throw your funds into any account and walk away. You want options to maximize your benefit. Choose checking accounts with a low minimum balance and a decent interest rate, or savings that allow you to transfer money from other accounts on a monthly basis. Banks that offer you many different options for housing your money are the most likely to be able to meet your personal needs.

Safety

All banks are insured, so you don’t have to worry about your funds. Choose facilities that have security cameras in their parking lots, and well-lit ATMs for after-hours withdrawals and deposits. Check the building to make sure that safes are out of sight, and that employees work behind safety glass for their protection. The more measures in security a financial institution makes, the more secure you know your funds are.

Hours

Many banks have weekend or extended hours, so you don’t have to take time off work to access your money. You can also take advantage of online banking, so you can check your funds during closed hours. Choose an institution that is open on Saturdays or has late Friday hours so you can talk to a representative whenever you want. The more flexible a banking facility is, the more convenient they are for you to use on your own time.

Credit Union Branch

Some Dos and Don’ts to think about

Don’t try to out do your competitors in your high-tech savviness. While it is positive to take the lead in the war of the high-tech toys, it’s important to not take the approach of technology for technology’s sake.

How about providing free Wi-Fi to members that allows them to continue using their own personal devices. Or, instead of providing magazines and newspapers to members while they wait for an appointment, provide an iPad for browsing.

Many members are not comfortable with discussing their finances in an open space. Integrate private offices into the new branch design, creating a comfortable environment for member engagement.

Think about integrating a video wall into the new branch design. This video wall will showcase dynamic motion graphic content ranging from brand-building messages, to local scenery, to current campaign promotions.

An informal community meeting space would be a positive addition to the high touch design.

The goal of the high tech, high touch branch is to simplify the customer experience and allow time for staff and the members to really connect. The new technological features will allow staff to spend additional time finding solutions to meet member financial requirements.

As you consider the new branch design, it is important that you become a true financial partner to your member. Make sure to transform the branch from just a servicing environment to a consultative atmosphere where you can collaborate with the members to determine their needs and recommend financial solutions.

The core functions of the credit union of the future is about anticipating the member’s needs and presenting simple and targeted promotions using traditional and digital solutions. Combining technology, innovation and the human touch will play a key role in the branch of tomorrow.

What does the branch of tomorrow look like? It would be open and accessible to all, combining virtual sales and promotion into one space. It would be staffed with employees that could guide the member to smart financial decisions while making their banking entertaining and captivating.

Most importantly, when creating that high-tech, high touch branch, I have learned that it is the employees that make the difference, not the technology.