ITPV » 10. In most cases you do not have to put down a

You may like your financial advisor Authentic Sean Doolittle Jersey , but is he really looking out for you? All advisors are not created equal, and you have a right to know what makes them different! You also have a right to ask yours if he compares!

(1) Do you use a holistic approach to financial planning by determining my values and goals?

(2) Do you work on a fee-only basis, a commission basis, or both Authentic Max Scherzer Jersey , and why?

(3) Do you have company-established insurance requirements, or do you recommend insurance only when it is needed by your clients?

(4) Do you attempt to 'beat' the market through timing and selection, or do you believe that attempts to do so are not worth the additional level of fees and risk? Are you aware that a vast majority of my returns will be based on asset allocation, rather than timing and selection?

(5) Are you a Registered Investment Advisor Authentic Yan Gomes Jersey , and therefore a fiduciary? In other words, must you legally and ethically put my interests above your own?

(6) Do you meet with your clients at least three times a year to refine their portfolio and find out how events in their lives may have changed their financial goals?

(7) Do you return phone calls the same day you receive them, and are you available to answer questions as they arise?

(8) When you wake up each morning, do you ask yourself how you can best be of help to your clients that day?

Adjust these questions as you see fit Authentic Brian Dozier Jersey , and depending upon what your own objectives and needs are from an advisor. The best advice is to never be afraid to ask!

脙茠脝鈥櫭兟⒚⑩€毬吢∶兤捗⑩偓拧脙鈥毭偮?2004 Matthew S. Clement, All rights reserved

Matthew S. Clement is a financial planner and investment advisor representative with Financial Network Investment Corporation, member SIPC. He provides holistic wealth management and retirement planning to individuals and businesses. He can be reached in New York at (845) 942-8578, or by email: ClementM@ .
1. Take time in making a purchase; pursue your search when salespeople are not on the lot. Try looking for a vehicle on a Sunday afternoon Authentic Trea Turner Jersey , late Saturday afternoon or even early Sunday morning. This will give you time to analyze prices, rebates and the type of vehicle you would like to purchase without any interruption. You have a clear thinking process at this time.


2. Know how much you are going to spend each month out of your budget for your new vehicle. Will you be able to afford a car note of $550 month? This should already be calculated before talking to any salesperson. Stand firm on what you can afford and do not be conversed into a vehicle you do not want or can not afford.


3. Be aware of information about price reduction such as how long the vehicle has been setting on the lot; you can see this information by opening the door and looking inside of the door panel. This will tell you when the vehicle arrived on the lot. The longer the vehicle sits the more they want to get rid of it. This could be a benefit tool for your negotiation process.


4. Look at the rebates carefully; you should obtain the good rebates as well as the dealer. For example: A cars? original price is $30,000. The MSRP=the manufacturing suggested retail price which is $27,500-this may be what the dealer paid for the car. Then there is a dealers? manufacturer rebate that the dealer also receives that they may not past onto you. This price may be for example $1 Authentic Anthony Rendon Jersey ,500.00. Now the price of the vehicle is down to $26,000. The dealer also is provided a benefit for moving a car fast (aggressive sales) in a particular time frame. This could be $500 to $1000 for them. You may not see this benefit either. Now you can negotiate on the price of $25,000 or $25,500. There is also a dealer cost which should be factored in at $500 to $1000. The dealers do not want you to know about this as well. So Kevin Long Jersey , the called true dealer price may be $24,500 to $25,000.


5. At this price you may make an offer of $24,500 to $25 Stephen Strasburg Jersey ,500 on a $30,000 vehicle and may pay $4500 to $5000 less on this vehicle if your credit is good and it may be more. Remember they need to sale this car and you are in control not them. Always remember they need you more, their incomes depend on it. So use every analytical tool you have.


6. Negotiate the price of the car not the monthly payment; you will see the difference and this will work out for you long-term.


7. Get at least 3 or more quotes from other dealers on the particular model of choice. This will assist you in getting closer to your price.


8. Calculate your payment and look for hidden prices or interest hikes.


9. You do not need the extra, extra warranties for the paint job or other parts on your vehicle most of these are already covered. You can protect yourself with extended warranties but not all the mumbo jumbo the dealer is talking up.


10. In most cases you do not have to put down a down payment even if your credit is marginal. The dealer still makes money on you depending on several variables encoded in the contract you sign so be careful. So keep your cash in your pocket if at all cost.


11. Try to purchas