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Is there really such a thing as a safe investment? Critics of that question on all sides of the investing world would say that certificates of deposit, T Bills and the likes are considered safe. Yet many of those same people would argue that mutual funds aren't safe. Guys, let me just paint a picture for you. Then you will understand more about how to think when it comes to safe investments, no matter who you are. It will be seasoned investor's perspective worth reading.

Have you seen what the stock market is doing lately? It is at record highs all the while the economy is still not quite performing on all levels, across the board. In other words, big business and investors are making money, but the American economy is still in the...

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Safe Investments allow you to reduce the risks you take, to protect your portfolio against inflation and to slowly grow your nest egg without risking it all. Here are the top safe financial investments you can add to your portfolio.

1. Precious Metals

Gold, Silver and other precious metals are a popular form of investment because they will protect you against inflations. The value of the precious metals you invest in might fluctuate over the years but should remain steady. This is not a portion of your portfolio that will grow considerably but this is a good way to offset other risky investments. Precious metals have other advantages, such as always being in high demand and being very easy to liquidate if you choose to invest in coin...

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Some investors wouldn't even say that we are living in uncertain economic times when it comes to the stock market. The economy itself is always struggling in today's world, but the stock market is doing better than ever. That doesn't mean that it will continue down that road, and it certainly doesn't do anything for affordability when it comes to people trying to make ends meet and plan for retirement.

Safe financial planning means something different to everyone. Some people would rather keep money under the mattress and not even touch the bank. These people might or might not be good at saying, but you need your saved money to make money if you've going to beat inflation and retire comfortably. What type of investments are you going to...

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When it comes to your finances, proper planning is essential. If you don't come up with a solid plan for how to invest and save your money, you will never find the financial security that you crave.

If you are like most people, you probably weren't born knowing how to effectively manage your money. Even worse, most high schools don't provide students with guidance on how to deal with money issues in the real world. That means that you may not be prepared to plan for things like buying a home, having children, sending your kids to school, or retiring from work.

All hope is not lost, however, instead all that you need to do to get a grip on your finances is to work with a financial planner. These professionals are extremely knowledgeable w...

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You may think that worrying and planning about your financial future is unimportant, but you couldn't be further from the truth. If you plan to retire on your income, it's important to start saving money and planning your finances in early adulthood. Understandably, many people find financial decisions to be cumbersome and even harder to understand, which is why hiring a financial advisor may be worth the costs. Of course, since an advisor requires an initial investment, it makes sense to consider the advantages of turning to a professional.

Uncomplicate money matters: Most people aren't financially stable simply because they don't see the bigger picture. While you have money, you don't want to spend time thinking about the potential...

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Are you planning on retiring soon? Maybe you were forced into retirement like my mom. You always hear about stories like that, and then it happens to you or someone you know. Retiring early has it's benefits, as my mom can surely tell you, but at the same time, it can be difficult unless you're ready. You might be planning on retiring soon, but are you ready?

Maybe you've been putting it off because you're still building your nest egg. Or, maybe you're just starting out planning for your golden years, an you want to make sure you do it right. The main key to saving is consistency, although it does matter what investments you choose. You are going to invest, right? Do you have a 401k if not, do you have an IRA? Perhaps you have bo...

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If you're trying to make investments and plan for retirement, a financial adviser can certainly come in handy. Naturally, there are online discount brokers for small investors and all kinds of other modern options that can help you avoid having to pay a fee to a financial advisor. Is it worth paying the fee though? Let's take a look at some tips regarding hiring a financial planner or adviser and see when they would be a good fit.

For starters, people usually don't hire a financial advisor unless they have a significant amount of money they are willing to invest. The reason for this is because the adviser's fee is going to eat into their rate of return. However, think about this for a minute. What if the adviser picks better investm...

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Managing wealth is of course the most important reason to hire a financial advisor, but the reality is that professional help when it comes to managing your funds can go beyond what's on the surface. Your advisor may help you out perform the stock market, but acquiring wealth is not the same as keeping it. What happens down the line when you need to care for aging parents or put a child through college? These are all questions no one seems to want to answer or even think about.

Your advisor can push your limits and make you think of all of the possible circumstances in your life that may impact your funds. Unexpected emergencies in the family or a sick child may impact your ability to keep up appearances. Not to mention, the dreaded ...

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Having a financial planner at your disposal can make it a lot easier for you to manage your money. However, you need to be able to trust the person that you hire completely.

These tips will help you find a safe financial planner to work with:

Ask for Recommendations

Reach out to the people in your life and find out whether or not they use a financial planner. If they do, ask them some questions. Ask them if they would recommend the planner that they currently work with? Have they been successful in making their money work for them? Are they happy with the returns they have been receiving?

Getting a recommendation from someone that you know and trust can be very helpful. When you go to meet with the financial planner, you won't feel like ...

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Financial Planning: A Road Map to attaining Financial Freedom

Do you have a lifelong goal of attaining financial freedom? Well, if you do, then you should know that you are just one among the many people out there today whose main objective in life is to reach a point where you do not have to worry about finances. This objectives can be compared to an exotic destination that is home to many hidden treasures. Getting to this destination is not easy and will require that you have a good plan and a map.

Financial planning is the ultimate road map to getting to the exotic destination called financial freedom. With a solid plan, the journey to financial freedom can be less stressful, more convenient, fun and successful in the end. The most im...

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    John Heckman

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    Robert and Elaine

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    Thank you for a very worthwhile experience, well worth the 8 hour round trip travel time from Steamboat Springs, Co!
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    Joe is Great!!
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    C. Polk

  • I really enjoyed Joe's enthusiasm for the topics and his passion for teaching. He really made the class enjoyable and packed full of information.
    I really enjoyed Joe's enthusiasm for the topics and his passion for teaching. He really made the class enjoyable and packed full of information.
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    S. Krug

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    I felt that the way the course was presented made it very interesting and I learned so much from Mr. Quijano.
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    B. Greenwood

  • Thank you for helping me to understand and prepare for our financial futures. It was a great seminar and we look forward to our individual meeting with you!
    Thank you for helping me to understand and prepare for our financial futures. It was a great seminar and we look forward to our individual meeting with you!
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    A.G Loveland

  • Good Morning Joseph, I thought you may want to know that we paid off our Durango lot yesterday! Thank you. The interest was $16 per day! Thanks again.
    Good Morning Joseph, I thought you may want to know that we paid off our Durango lot yesterday! Thank you. The interest was $16 per day! Thanks again.
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    Anne Denver

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    Many Thanks
    Dear Joe, I want to thank you very much for helping me get set-up on such a wonderful plan. I'm very excited about it. We look forward to working with you and Jordan now and in the future!
    Many Thanks
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    Beth D.