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[O190]Online Financial Planning Certificate
by Jamie B. Mcintyre, Jam

Managing your money in today's hectic world is something that most of us cannot achieve on our own. Whether we would like to admit it or not, financial planning is not a priority in our lives as we go through the rigors of work, get tired and go home. It's not on our minds until it's too late and it has become an epidemic that is afflicting the developed world as we know it. It is also one of the main causes of the credit crunch that has overcome our news bulletins and ruined even more lives. It is something we need and there is no excuse now that there is the internet and the availability of online financial planning.

Financial planning provides us with invaluable advice regarding the resources that we have is not strictly limited to the wealthy or even to large corporations. No matter how much or how little, financial planning services gives anyone focus when it comes to their money and sets goals to be achieved within a given time frame. Planning a retirement trip or wanting to move into a brand new condominium are just some of the goals that we might have. So is paying off our debts or making sure there is enough money when we retire. Financial planning takes valuable advice and asserts them upon our fortunes and our troubles and sets our lives on the right course to financial independence.

Online financial planning has many benefits attached to it. One, you don't have to sit through an arduous 45 minute presentation that may or may not identify your needs. Online financial planning gives you the ability to browse for the sort of services they provide and match them to your problems or your goals. Online financial planning gets very specific and cuts through a lot of fluff, getting directly to the heart of the problem. The anonymity of the internet also helps, as some of us find it hard to approach a financial adviser and this first step helps to initiate the process of help that is both necessary and integral to a successful future. There are quite a few online based financial companies which means you have a greater choice in choosing a company or an organisation that speaks out to you.

There is no rush to choose one. Take the time and effort to find out the history and testimonials of each and every company. Remember, this is your future that you are dealing with and you cannot just place it in idle hands. The range of services you might find online can start from simple wealth creation, asset protection and estate planning. They can also include important services like advice on how to manage your salary, utilisation of taxation laws and even investment advice to secure your future. The importance of knowing your financial resources and responsibilities can never be emphasised enough. So log on and start planning for the future now - you won't regret making this decision.


Online trading is taking the financial markets by storm as private investors are now able to quickly, easily and cheaply trade Forex, Commodities, Stocks and many other instruments. But what's brought about this enormous increase in online trading?

Basically, the tools and information which were previously only available to the ?big boys? ? like stockbrokers, banks and institutional investors - are now available to you. These days, we don't have to rely on our broker for recommendations. With only a computer and internet connection, we can now find our own trades independently and without fear of bias.

People just like you and I can now trade with a level of sophistication that was unheard of, even in the 90's! This has effectively ?levelled the playing field? and allowed home based traders to make highly informed investment decisions on their own.

Data feeds, software based trading systems, real-time quotes and interactive charts are all now available online at reasonable cost and yet, not so long ago, many of these resources cost thousands and thousands of Dollars. The point I'm making however, is that with a little investigation it's now possible to find many of these invaluable tools absolutely free.

Andrew Fleming, author of ?Free Online Trading Tools? has made it a personal quest to discover what's available out there ?just for the taking? (legally, of course). He was amazed. Some sites he discovered will come of no surprise to you ?Yahoo Finance, Bloomberg and Reuters etc. are the obvious ones and are all very comprehensive sources. But he also uncovered a wealth of sites that are a little more ?off the beaten track?, but also incredibly useful to online traders.

As an example, Andrew found over 20 separate stock screening/charting programs that will crunch their way through years of data for you - then spit out identifiable trends and patterns that can be used to place profitable trades.

Many offer levels of functionality that you would normally only expect on $300-$400 software, like Fibonacci, Moving Averages, trend lines, Volume, etc. etc. You also tend to find with these ?licence free? programs that a community of users emerge who create their own profitable formulas and then make them accessible to others through forums and chat rooms.

Of course, without the knowledge to interpret the results from these programs, they're practically worthless. But expensive trading seminars and courses are another area where many of us are often spending money that could be used for placing trades. Too often, newbies to the world of online trading are taken in by slick sales copy promising the ?Holy Grail? of trading systems - whereas in reality it simply doesn't exist.

Any experienced trader will say that much of trading success is in finding or developing a simple set of rules and having the mental mettle to stick to them. But again, this is where the Internet comes to our rescue. Through his research, Andrew also uncovered a virtual ?online university? of trading information, offering many tried and tested methods from which to hone and adapt a personal system.

And even if the idea of finding your own trades is a little daunting, he also uncovered several free ?stock pick? sites and forums ? at least a couple of which reported surprisingly good track records.

Whether you're new to the world of online trading or not, before buying the next ?must-have? trading guru's system or software program, see what you can get for free first ? then use the money to place a trade instead!

Copyright 2006 Hywel Merrett
Article Source : Pg. 275

About Author
Both Jamie B. Mcintyre & Hywel Merrett are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.

Jamie B. Mcintyre has sinced written about articles on various topics from Hypnotherapy, Property Investment and Finances. to discover the Millionaire SECRETS of
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