Financial Planning and Wealth Management

Nigeria is among the third world nations.This gradation is so based on the level of development and growth indexes emanating from the confines of the country. Recently, due to economic activities and government plans, the country is termed an emerging economy.It is positive to note that in recent times, growing economic activities in the nation has started showing signs of producing a brand new sets of millionaires. Among them are educated and non educated, young and old, local and foreign, male and female, and most importantly those that are financially literate and illiterate. They are coming from virtually all diverse areas of businesses. Most vivid of them all are those in banking, oil and gas, sports, manufacturing, transportation, telecommunications, real estate and our darling entrepreneurs whom we call, buying and selling folk.The numbers of these new sets of millionaires are bound to be expanding owing to the virgin nature of the country and the escalating demands of its over 140 million citizens and unknown number of aliens. Equally, worthy of note is the VISION 2020 proposed by the present president, President Umaru Musa Yar’ Adua to place Nigeria among the top 20 economies of the world by that year.As noble as the ideas are, and as all spanners are now at work to realize this vision, creation of more wealth poses more problems less than the eyes can see in terms of retaining the wealth so created. On this note stands the need for a financial planner in wealth management. This notion remains novel, yet it sounds quite strange as many of our citizenry both individuals and cooperate bodies may not understand its place in economic affairs. Mr. President saw it as a dire need thus, in his state visit to Switzerland earlier this year, he called on Nigerian business community living there to come home and give a helping hand to realizing this dream.This service has been well established in developed countries and it accounts for the quantum leap in these nations wealth. It is not a chance occurrence to see empires abroad that has lasted for more than four decades and still counting. Among them, a word like PRIVATE WEALTH MANAGEMENT is quite a regular which denotes a specialized service rather than a generally offered service. According to Morgan Stanley a foreign financial service provider, “private wealth management” is a service reserved for clients with investments worth over $20 million.Based on this reason, the importance of a financial planner cannot be over emphasized. He occupies a central position akin to that of a coach. In his team are bankers, lawyers, insurers, real estate brokers, stockbrokers et al.Their duty depends on the originators instruction.This duty separates them from other the traditional financial services practitioners. Thus for a beginner he can be a trusted friend and guide to reach a set financial destination. For those who have counted a few millions, this strategic plans multiplies your wealth, for those in the multi million arena, their expertise will sustain, safeguard and transfer your hard earned wealth to your desired recipients.Cases abound of empires in multiples that have nose dived and disintegrated at the demise of their founders. Similarly, a person’s individual law does offer one’s wealth to unapproved persons. Also, probate taxes and mismanagement of wealth are not left out.The sole work of a financial planner in wealth management is to use various wealth management options to protect the clients’ wealth. When this is done the life span of wealth is protected and prolonged while a nation’s wealth is buoyed.Get a financial planner today!

Finding The Best Furniture For You: Domain Furniture and Mirrored Furniture

Those searching for home furnishings may wish to consider choosing pieces that have a distinct period feel to them, as this is an ideal way in which to ensure that one’s furniture will have its own original attractiveness, different from that seen in other homes. Regardless of one’s personal taste, the addition of mirrored furniture to a home is an excellent way in which to use the home’s space to its best advantage.Going Mod with Mirrored FurnitureCurrently experiencing an increase in popularity in the home interiors market, mirrored furniture is a great choice when one wishes to make his or her home truly unique. Such furniture is also an excellent way in which a feeling of spaciousness can be added to the room. Whether one chooses mirrored consoles or dressing tables, he or she will find that such items fit well into any room’s decor.In order to make certain that one’s home will still look modern even when vintage pieces are used, he or she should choose neutral, rather than bright colors. In this way a seamless look can be created through the blending of both old and new pieces.Distressed Furniture–Decorating Shabby ChicAnother popular trend in home decor is the look of shabby chic. Pieces that fit into this category have a worn and aged look and the colors and shapes are often reflective of the past. This result of this look is a welcoming and informal appearance that both the homeowner and his or her visitors will enjoy.The addition of regency furniture is a nice way in which this look can be updated, and since classic furniture never go out of style, there are many options from which one can choose when selecting these types of pieces.Incorporating furniture styles from various periods into a modern home is a great way to add a personal touch and a unique flair to any room in one’s home. If a person finds that he or she cannot afford new furniture or authentic antiques, contemporary reproductions are a great cost-effective alternative.Domain furniture is a popular retailer that has been in business since nineteen eighty-two. It is now at the top of the market, since it sells various styles in both commercial and personal. New, stylish designs in every price range can be found at both outlets and retail stores. You also have the option of choosing between simple and extravagant. You can even get personal designs made to suit your space and budget requirements. Whatever your needs, whether commercial or personal, Domain furniture offers something for you.Sun-Room FurnishingsSun rooms are common in the south, but are rapidly becoming more so everywhere else. Domain offers such a wide variety of styles, colors, and prices that each and every buyer is sure to find something appropriate to them. There are material options which include wrought iron, raw wood, panacea and timber. Wicker is also a popular choice in indoor/outdoor furniture. Along with the choice in material, the buyer has options on how, and where, to buy. Besides going to a retail store, there are outlets that offer domain furniture. If your tastes run further from stores, you can also go onto their website or order from a catalog. domain produces sunroom furniture that is durable, reliable, and beautiful. You are sure to find the perfect balance between functionality and art.ExclusiveIf you desire something more unique than you can easily get at a store, domain offers exclusive furniture. For some, the option of designing their own furniture outweighs the slightly higher price that goes with it. If space is an issue, you can find people to help you choose furniture that will fit perfectly inside the space you have available. Domain offers full service help along with the do-it-yourself way.

Barack Obama’s Health Care Plan

Barack Obama’s ambitious health care plan is fairly simple and straightforward. His plan seeks to dramatically and swiftly increase the number of people that have medical insurance. He insists that this plan will save the typical American family approximately $2500 in annual costs. Since the average Ohio premium is less than most other states, savings to Ohio residents may average less than $2500.The plan is designed to give the federal government more control over medical decisions and dollars, a major difference from the current decentralized system of employer-based insurance and state-based insurance regulation. Here in Ohio, insurers have been effectively held in check by the Ohio Department of Insurance. This, however, is not the case in many other states.The Obama PlanMany parts of the Obama plan resemble initiatives from the Clinton health plan of 1994 and the Kerry Health plan of 2004.Essentially, Obama’s plan is divided into three sections:1. Modernizing the US system to lower costs and improve quality2. Promoting prevention and strengthening public health3. Quality, portable and affordable health coverage for every personThe “Savings”The $2500 in savings will come from health care reform, using some of the following initiatives:*Making medical insurance universal, which may reduce spending on uncompensated care.*Improving management and prevention of chronic conditions.*Increasing insurance industry competition and reducing underwriting costs and profits.*Providing reinsurance for catastrophic coverage, which will reduce insurance premiums.Shifting Cost BurdenWhile all of these ideas are feasible, the underlying theme seems to be simply shifting some of the cost burden from the private sector to the government. And of course, much more control of our dollars and decisions would come from Washington D.C and not Anthem or UnitedHealthCare.The plan will actually compete directly with Ohio private insurance companies in a “National Health Insurance Exchange.” The federal government (not health insurance carriers) would determine the quality of benefits that Americans would receive. And these new rules would apply to both the new national health plan and all participating private health plans.Preventative Coverage Would Be EmphasizedObama’s health care plan will encourage “healthy lifestyles” with specific emphasis on wellness. Employer wellness programs will be increased, and cafeterias and vending machines in the workplace may see healthier food.School-based screening programs may increase along with increased support for physical education.For Ohio individuals and families, the Obama plan would require preventative services on many federally-supported programs such as Medicare, Medicaid and SCHIP. One benefit may be possible discounts to on insurance premiums for enrollment in wellness and prevention programs.Currently, some Ohio individual health insurance policies offer a similar discount, such as Anthem’s Lumenos Health Incentive Account (HIA).Ohio Group Health InsuranceEmployer-based health insurance would radically change under the Obama plan. Here in Ohio, both small and large employers are able to choose among many different plans for their employees. The Obama plan would force employers to offer a specific level of health benefits to their employees or pay a tax to finance a national health program. Currently, the amount of provided health benefits and the size of the tax have not been specifically discussed.Perhaps the best and most economical plan for Ohio residents would be a concept already in place… HSAs (Health Savings Accounts). Thus, instead of imposing a top-down change on the health care system, it would seem to be prudent to transfer direct control of medical dollars to individuals and families. This would allow Americans to choose their own health plans and benefits, while making companies compete directly for consumer’s dollars by providing a real value to patients.All of this could be accomplished by specific tax and regulatory changes designed to utilize the power of free-market competition. Health care spending could be reduced, preventative treatment could be emphasized and portability could be promoted. Reforming the tax treatment of health insurance and aiding employers that help their employees buy health insurance would help quite a bit.For now, Ohio health insurance rates are remarkably low compared to many other states. There are many reputable insurance companies that offer a wide array of policies, including Health Savings Accounts. That shouldn’t change much for the next two years. In 2011, things might change… hopefully, for the better.

Automotive Scan Tools and Troubleshooting Your Car

Troubleshooting a vehicle should not be more trouble than it already is. Until the very recent past, a combination of intuitive guesswork, costly man-hours, and outright trial and error were the only available means for technicians to diagnose mechanical failure. The advent of computers changed this, making it possible not only to internally regulate automotive functions, but also to quickly and reliably diagnose problems with automotive scan tools that interface directly between machine and man, eliminating costly overtime and problematics in the process. Today’s automotive scan tools have evolved into highly sophisticated devices that can test practically anything under the hood. By reading data from the vehicle’s onboard computer and sending that information directly to the technician, an automotive scan tool can reliably and quickly diagnose a problem that would have taken hours or even days to manually troubleshoot in the past.Whenever a car rolls into a shop these days, technicians start by checking the basics utilizing automotive scan tools specifically designed to check oil levels and quality, air bag functionality, and engine check lights. Almost every new car relies on an onboard diagnostic computer, or OBD, to report malfunctions in the engine and supporting systems.This information feeds into a connector and reports data through a series of codes, referred to in the mechanical world as OBD or OBD2 codes. Before beginning any work under the hood, a technician must first collect this data with an automotive scan tool engineered to read and interpret the codes. Armed with accurate information, the technician can now begin the repair process without the excessive labor costs and possible damage than often resulted when trial and error troubleshooting ran into late hours and overtime in the past.