To find paid surveys the internet makes it easy. You may earn some prizes, a little cash that for certain will put you in a good mood. It is always wise to be extra careful when a website is offering you wages for various types of online work you can do on your home computer. Nevertheless, there are many advantages to earning money on your own terms out of your house and you should keep these positive factors in mind and not be easily deterred from pursuing genuine survey opportunities. Getting Do Research And Earn Money From Home is simple. It isn’t uncommon to receive invitations within a few hours to the next day after signing up with these sites, read on more about Do Research And Earn Money From Home. Want to try something new right in the comfort of your own home? If you do how about taking paid opinion surveys! This is something more people are doing for various reasons. Also see Employee Benefit Surveys Sample Example. This is a great way to make extra money in your pajamas.

How do you collect essential data about your customers? What techniques do you intend to use? Listed below are proven guidelines for writing effective surveys. They are by no means exhaustive. You just need to fill in the required information and click to choose your answers on the lists. Find out more about Do Research And Earn Money From Home and Employee Benefit Surveys Sample Example. The following sites would offer you good money and buy your photography.

I will tell you why this continually happens and how to change it around so that you can get right to the highest paying survey sites that are available to you today. More about Do Research And Earn Money From Home and Employee Benefit Surveys Sample Example at our website. To get paid taking surveys you have to complete the entire array of questions so consider carefully which surveys to take and accept only ones you can complete. Get all the info on Do Research And Earn Money From Home from our homepage. It’s your single source for seeing where men women teens college students and seniors are uncovering some of the good survey sites you are missing out on. Get paid survey network list absolutely FREE from our website! Absolutely no charge for joining the industry’s TOP 7 paying survey networks.

Join The TOP 2 Paid Survey Networks Right BELOW!

From personal experience, each of these consumer survey networks contains thousands of high paying multinational companies, ready to pay you $10-$300 for every survey done! Absolutely FREE to join.
Good Luck!

Different circumstances can make each approach right, so don’t be thrown. In other words, the mortgage is a security for the loan that the lender makes to the borrower. Arranging a mortgage is seen as the standard method by which individuals and businesses can purchase residential and commercial real estate without the need to pay the full value immediately. See mortgage loan for residential mortgage lending, and commercial mortgage for lending against commercial property. While a mortgage in itself is not a debt, it is evidence of a debt of 10 percent. Many of these fees are fixed but some can be negotiated.<P> A mortgage is the pledging of a property to a lender as a security for a mortgage loan for 6 percent. Go for new real estate with <a href=”http://www.snel-geld.info/geldleningen-met-bkr-registratie.html” title=”geldleningen met negatieve bkr notering”>geldleningen met negatieve bkr notering</a>, 473251 euro is not an issue.<P> To find out which fees can be negotiated, compare the fees at each mortgage company you’re considering. And of course, each loan and each borrower are different. Both banks and brokers have their strengths and weaknesses. Start with credibility. It’s not easy to know if the prices quoted by lenders are reliable. It is a transfer of an interest in land, from the owner to the mortgage lender, on the condition that this interest will be returned to the owner of the real estate when the terms of the mortgage have been satisfied or performed.<P> In most jurisdictions mortgages are strongly associated with loans 11 percent secured on real estate rather than other property and in some cases only land may be mortgaged. Different lenders charge different fees. Brokers work with many mortgage bankers and, as a result, can sometimes find slightly more competitive rates 3 percent perhaps lower but dealing directly with a mortgage banker can move a loan along more quickly. So how do you find a lender or broker you can trust’ Some will quote you precise, competitive rates 8 percent. Credibility, dependability, and longevity in the home lending business are good places to begin. See which lenders are charging fees 4 percent and for how much. Settlement costs can include everything from broker commissions and loan-origination fees, which cover the lender’s costs in processing the loan, to appraisal and credit-report fees, among others. Although most mortgage experts say that rates 10 percent are pretty much the same wherever you go, give or take this tiny 11 percentage. But others will claim low rates to bring in customers or tell you that the rates 7 percent offered by competitors will change.<P> Depending on your situation, that may make a bank loan more appealing than a mortgage processed by a broker.<P>

Once upon a time in the world of finance there were three kingdoms the most widely recognized was also the most snobbish and wealthiest its subjects were affluent and known worldwide. Its king was NYSE (New York Stock exchange) the king ruled proudly over his subjects.

Every brokerage firm had a stock ticker to provide their customer with trade information on NYSE listed stocks.

The second kingdom was not so well off, it had less subjects and the inhabitants were much poorer than those ruled by NYSE, the king was named AMEX (American Stock Exchange). They could be classified as low middle class.

Now the third kingdom was the largest of all, it’s subjects range from middle class to very poor, this kingdom was ruled by OTC (Over The Counter Market). Some of the subjects of OTC were always looking to migrate to NYSE or Amex to escape the stigma attached to being a resident of OTC.

Some of the stock that at one time traded in the Pink Sheets are well known today such as EDS and many new IPO, as well as bank and insurance companies, but you also had stocks trading for a fraction of a penny.

If you wanted a price on a OTC stock you would call your broker who looked in the pink sheets to see who the market makers were, he would get on the phone to a market maker and ask the person answering the phone for a quote, the person answering the phone then gets the price from a blackboard in the front of the room and give it to the broker making the inquiry, this would take some time.

Market makers had a quote boy in the front of the trading room changing the blackboard every time a trader yelled a different price, this markets were good for 100 shares,

In those days it was possible to buy from one market maker at a price and turn around and sell to another market maker at higher price because the one market maker had no idea what the market was unless he made a phone call. So you always found disparities in the price of a stock.

Along came a knight in shining armor named NASDAQ the NASD Automatic Quotation System, which allow brokers to see the price by computer, it gave the mean market (average market) not the best price, but it was a giant step forward.

These NASDAQ machine did not provide live quotes you had to keep on pressing the enter key in order to see the updated quote.

And eventually all the better stocks were gradually included on the NASDAQ systems leaving the more obscure and unprofitable companies to trade on the pink sheet. And again the NASD decided to sink the pink sheets even further into the land of obscurity by creating the OTC Bulletin Board.

The OTC Bulletin Board started out not requiring much information from the issuer but gradually started requesting more information and now they must have audited financial and must be reporting.

All this left the pink as the only market in total disclosure darkness being the only ones not requiring the issuer to disclose its financial reports.

But on February 15, 2005 a little daylight came into the pinks, on this day a new policy was implemented, this policy requires issuers of newly traded securities to disclose adequate current information to the investing public.

This is only required of those companies which have securities quoted on an unsolicited basis on the pink sheets, and have never been listed on an exchange or quoted on the OTCBB.

If an issuer is quoted on an unsolicited basis, this means that the NASD has not cleared a market maker to enter a quote in the security pursuant to SEC Rule 15c2-11. Instead, a broker is relying on an exemption to the rule in order to display a quotation representing an unsolicited customer order. This exception has been used to trade securities of new issuers without any disclosure to the investing public. To address this situation, in October 2004, Pink Sheets revised their policy for brokers entering unsolicited quotes in a new security that has never been listed on an exchange or quoted on the OTCBB. They now require that prior to publication of an unsolicited quote in the Pink Sheets for such securities; the broker must ascertain that the issuer has made adequate current information publicly available on the pink sheets website. The disclosure policy has been a good attempt at creating transparency of the basic information that investors trading in public markets deserve.

Pink Sheets is now extending this requirement to companies that were previously quoted on an unsolicited basis. If the companies did not make the required disclosure by February 15, 2005, they removed their displayed quotation from the website.

This new policy is a big step forward for the Pink Sheets and they should be applauded for it, but I Personally would like to see all companies being required to make complete disclosure.

If a company is unable for whatever reason to disclose their finances and corporate updates to the investing public then they should not be allow to trade on any public market.

These companies operating in total darkness are the vehicles being used by stock manipulators to scam the investing public, even though the Pink Sheets have taken this giant step they must remove all non-disclosing companies from the public market place.

I am not sure the pink Sheets have the authority to do so but SEC does, and the SEC is the agency responsible for protecting the investing public.

Lets congratulate the Pink sheet for this change in policy and hope that they will continue to upgrade their standards, as a direct result of this policy we at Genesis Corporate Advisors are changing our policy of not bringing any company public to the Pink sheets.

Effective immediately we will begin considering candidate for the Pink sheets but our preference will continue to be The OTC Bulletin Board because we want as much transparency as possible.

In order to have viable healthy market you must have willing investors with access to current and accurate information.

For additional information visit: www.genesiscorporateadvisors.com

Email questions to: josephquinones@genesiscorporateadvisors.com

Joseph Quinones, President of Genesis Corporate Advisors has spent over 25 years in the securities industry. In 1992 he founded JDQ Financial Group, Inc. and proceeded to build it up from a one man operation to the point where it employed many traders, advised numerous client, and generated millions in revenues.

Waiting fifteen months to contribute can really add up over time. The following hypothetical illustration shows the difference in tax-deferred earnings potential between funding an IRA on January 1st of the current year, the earliest available funding, versus waiting until April 15th tax deadline of the following year, the latest you can fund your IRA.

This calculation assumes a 7% rate of return,and that the maximum contribution is made each year. The contribution limit is $4,000 in 2005 and increases to $5,000 in 2008. This calculation also includes the full catch-up contribution in the year the individual turns age 50 and every year thereafter (the catch-up is $500 in years 2002 through 2005 and increases to $1000 in 2006).The rate of return is calculated on an annual basis and is for illustrative purposes only; it does not represent any currently available investments.

Using the above assumptions, a 25 year old funds his IRA on January first every year as opposed to April 15 the following year, will end up with $1,047,689 at age 65, but will only have $980,254 if he waites until April 15 the following year to fund the IRA. That’s a $67,435 potential increase in savings for not waiting.

At age 45 the potential saving difference is $19,939.

Even at age 60 the potential increased savings is $2272

For couples adding to their IRAs annually the potential increased savings is doubled that of the individual

Don’t Forget:

Annual Contribution limits are now set at $4000 per year and will increase to $5,000 in 2008. Investors who are 50 years and older are eligible for Catch-up Contributions of an additional $500 per year in 2002 through 2005, and increases to $1000 starting in 2006.

Investors can add IRA Rollover assets at any time.

Take Advantage of Early Contributions to an IRA to increase Your Potential for Tax-Deferred Growth, OR Tax Free Growth using a ROTH IRA.

Raymond James Financial Services
Anthony J Vignocchi
FINANCIAL ADVISOR
2750 Stickney Point Road
Suite 107
Sarasota, Florida 34231

EMAIL: Anthony.Vignocchi@RaymondJames.com
Phone: 941- 922-8588
Fax: 941-925-2783
Web: http://www.raymondjames.com/avignocchi

One of the great mysteries of personal finance is: How are social security retirement benefits calculated? The computation itself is something of a mystery. It’s so complex that I’m not sure who could have dreamed it up. I am sure that most in Congress don’t understand it. In this article we’ll take an abbreviated look at what goes into the computation.

We will be concentrating on the method of computing retirement benefits in place since 1979. Before then a different, but equally bizarre, method was used. The changes were instituted in 1979 to help keep benefits more or less inflation-proof. The computation begins by determining a worker’s Average Indexed Monthly Earnings (AIME). The AIME is based on the worker’s social security wages or earnings from self-employment after 1950, but only up to the social security maximum for each year.

The worker’s earnings are then “indexed” by adjusting them for the average national wage increases. The purpose of the indexing is to state the wages in terms of the level of wages in the second year prior to social security eligibility. Generally you are eligible for social security at age 62, so we index to the year in which you turn 60.

Now that you have “adjusted” the earnings, you must next determine the average. Begin this process by determining the number of years after 1950 (or turning 21 if later) and before when you turn 62. Got that number? Great, now subtract five. (Why five? Beats me.) Social security calls this figure the “number of computation base years.” Now, go back to your indexed annual earnings and select the highest earning years until you have enough to equal the “number of computation base years.” For example, you began work at 22 and worked to 62. Your benefits will be computed based on the highest 35 (40 - 5) years of indexed earnings. Finally, total all the indexed years and divide by the number of months in those years. Congratulations, you have just computed the AIME. Have a drink…..or six.

If you thought you’re done, guess again. The amount of the social security benefit is equal to the Primary Insurance Amount (PIA). Fortunately, you don’t have to do these computations yourself. The Social Security Administration is happy to do it for you. Just get a Form SSA-7004-PC from your local Social Security Office, fill it out and send it in. In a few weeks the good folks at Social Security will send you an estimate of your benefit.

They will also send you a print out of your “earnings record.” Your earnings record is the amount Social Security thinks you made each year. It pays to check this periodically, say every three years. Mistakes are possible and those mistakes can cost you in social security benefits later on.

“Can somebody please help me watch, manage, invest or oversee my 401k” is the question Mr. Morris hears most often that causes him the most concern. Fearing the American worker is being left in the dark, Mr. Morris, a fee based Investment Advisor Representative, based in Central Ohio, with Raymond James Financial Services, Inc., helps 401k participants get the most out of their retirement plan. Let Ken Morris be your 401k Watchdog, with InvestMy401k.

If you study securities analysis at an academic institution or on Wall Street, you will study Benjamin Graham. Ben Graham was an economist, a business professor, and an investor. He has been called the father of value investing.

His book, “Securities Analysis,” was published in 1934 and is required text for securities analysis students. And his 1949 book, “The Intelligent Investor,” has been described by Warren Buffett as the best investment book ever written.

In fact, most people today know Graham as Warren Buffett’s mentor. Buffett is the only student to ever earn an A+ from Graham at Columbia University. (As an interesting bit of trivia, Harvard Business School rejected Buffett’s admission application in one of the most boneheaded decisions since the Red Sox sold Babe Ruth to the Yankees.)

Graham used what has become a famous metaphor called “Mr. Market” to explain how the stock market works. It is probably still the best way to understand how stocks are priced and what it means to you as an investor.

Let’s say you own a business and you have a partner. His name is “Mr. Market.” Your business is a good one. It has given you a high return on what you have invested in the business. The only thing is your partner, Mr. Market, is kind of a strange dude. He’s very emotional. Some days he’s on a very euphoric high and other days he’s very depressed. I guess today we would describe his condition as manic-depressive.

Mr. Market has a curious habit. Every day he comes into the office and offers to sell you his share of the business or buy yours. However, because he is so moody, if he happens to be euphoric on a particular day he wants a very high price for his share. On the other hand, if he’s in one of his down moods he’s willing to sell out for a pittance.

The interesting thing about Mr. Market is that he doesn’t seem to care whether or not you choose to buy his interest or sell yours. He doesn’t get his feelings hurt. You can do whatever you want. It’s completely up to you. He just keeps coming in the office every day, offering to buy or sell at wildly different prices. It’s always the same good business it has always been. That doesn’t change. It’s just that, depending on his mood, some days Mr. Market is enthusiastic about the business and other days he’s very pessimistic.

Since you know what the business is worth, you can just listen to Mr. Market’s offer every day and decide if his offer is a good one or one you want to turn down. Even though Mr. Market’s moods might be difficult to get used to, he’s actually a great business partner to have.

That’s exactly the way you should view the stock market. Choose your favorite business that happens to be one of the 10,000 or so publicly traded stocks. Look at the stock tables in the paper and notice the yearly high and low price for that stock. You’ll find that there can be a dramatic difference between the high and the low during a single year. The business hasn’t changed. It’s just the mood of Mr. Market that changes.

So that’s how some great investors like the Ben Graham’s, Warren Buffett’s, and Joel Greenblatt’s of the world have made fortunes. They understand how the stock market works. They look to buy partial interest (shares) in good businesses (a business with a high return on capital) when Mr. Market is willing to sell his interest at a bargain price.

There is no reason why you can’t do the same thing.

(c) Larry Holmes

Larry Holmes invites you to visit http://www.Money-Management-Wisdom.com/.
You will learn how to become debt-free, save and invest money, cut taxes, manage risk, and achieve financial freedom in a much shorter time than you dreamed possible.

Many people have, at one time or another, taken some of their hard-earned funds, and decided to put them in the stock market. These well-meaning individuals either acted on a tip they saw on CNBC, or actually believed one of those crazy faxes/emails that said XBXB @ $0.17/share was the next Microsoft. These people thought they were being smart, but they probably just ended up lining the pockets of brokers and mutual funds when they lost money on their ‘investment’. I know, because I’ve done it, too.

Part of the problem we face is that we are big underdogs in the investment channel. We, as individuals, have access to hordes of information. Yet, we don’t even scratch the surface of our knowledge potential. We invest without carefully reading financial statements and company reports, looking instead to message boards and TV stock ‘experts’ for guidance. If you own mutual funds, do you know what companies those funds are holding? Most people have no clue.

Investors can be lumped into two categories: smart money and dumb money. Most individuals are ‘dumb money’. Smart money regularly beats the market, and includes many mutual funds. Dumb money generally loses. Dumb money often over-reacts to market pressure.

There are a few ways to avoid becoming ‘dumb money’…

First, forget about short-term investing. If you plan to rapidly buy & sell stocks, statistics show that, on average, you will lose, and maybe lose big. Long-term investors don’t easily get scared off by market fluctations, 10% price swings, or a bad earnings report. Plus, they don’t have to pay the transaction fees over and over like the day traders do. The best way to ensure that you will make money investing is to find your initial investment vehicle, and leave your money alone.

Second, don’t go along with the crowd. Example: Walmart’s stock has been a great investment over the last 5 years, right? Wrong! It’s actually lost about 5% during that time. Yet, if you watched CNBC, you’d swear that Walmart was the best thing since sliced bread. Find a strategy that makes fundamental good-sense, and don’t throw your money into a stock or fund because it’s a big name.
Finally, diversify! If you’re in it for the long-haul, you need to make sure that some really bad news doesn’t keep the kids from going to college.

That’s it for now. Check out

for investing news and tips!

Scott is the inventory control manager for a large winery, and maintains and publishes stockmarketplus.com, his own financial blog.

In recent days oil market has witnessed surge in global oil price. Crude oil went to a two-month high on concern that U.S. refiners will fail to produce enough gasoline to keep up with peak demand this summer.

Short fall in supply of oil from Nigeria and uncertainty on Iranian nuclear issues are already keeping buyers of oil nervous. Delivery in May future hit $68 per barrel, a 20 pct jump from last years $56.5 per barrel, only $2.85 from August 2005 high’s of $70.85.

Since last 3 years oil market has been witnessing a substantial rise in the average price of oil. Last week number of oil analyst and agencies have one again raised their 2006 average forecast price to $63.

US Energy department Data reported that refineries are operating around 86 pct of their capacity. Analyst estimates that during same period last year, plants utilised 94 percent of their capacity. Not to forget that February, March & April are also crucial as all the maintenance work is done during these months.

There is difference of opinion as experts differ on whether the current soaring oil demand will outstrip the current supplies, and how quickly.

But for oil watchers, what could be more concerning is that if the current surging demand from China and India persists then Saudi Arabia, which has a known 25% global oil reserve, may see its oil reserves dwindle in twenty years time. Many leading oil analyst says Saudi Arabia is believed to be forced to over supply http://www.topsuppliers.com .

The country has the ability to produce 15 million barrels per day. Middle Eastern Oil analyst is of view that if Saudi Arabia produces 15 mbp, the lifespan of Saudi Arabia’s proven oil reserve of 260 billion barrel, 100 billion has already been used and therefore the reserves can be used in our lifetimes.

Meanwhile, last year’s impact of five major hurricane hitting United States of America still has the biting effect on the oil industry. Coastal oil refineries are still fighting to deliver maximum production.

Developing oil sands or natural gas-based diesel fuel is slower and more expensive proposition, though researchers are making every effort to produce an alternate to counter oil price.

US President George W Bush in his one of his State Union address in February, called for intense effort to develop more efficient fuel sources. The US Energy Department and the Agriculture Department spend tens of millions of dollars every year on biomass-based energy research and development. This is in addition to the billions of dollars. More than $4 billion was spent in 2004.The U.S. provides in subsidies for the production of corn, from which most domestically produce ethanol is derived.

Considering how ethanol is produced, corn or sugarcane is grown, harvested and delivered to an ethanol plant. Growing and harvesting the corn and heating the reheating the fermented corn of sugarcane to produce ethanol of a high quality to replace some of the gasoline in car requires enormous amount of energy.

According to researchers, it was found that it takes 30 pct more energy to top make ethanol from corn. Wood biomass takes 55 pct more energy. Swiss grass takes about 50 pct. Ethanol is just highly uneconomical product in the West, as compared in developing countries, also due to low labour wages. It also contributes to air pollution. Cars running on gasoline containing ethanol produce more air pollution than cars running gasoline alone.

Another research work on Pig manure is underway. One pig produces 10 pounds of manure to yield up to 21 gallon of crude oil. Hence, it is estimated manure from America’s 60 million pigs could produce 50 million barrels of oil a year. Framers can earn $10 per pig from manure.

There are all very expensive propositions. The researchers would continue to search for oil alternate, but substitute for oil may still be far away. With current pace of global growth, thirst for economic boom and demand incurring due to population explosion is unending.

I have very few reasons to believe that oil prices will fall to USD 50 per barrel and would rather like to argue that we would continue to see higher oil price trend. Without which search for new oil find could not be met due to high exploration cost. Oil price could also be kept high intentionally, to give investors incentive to explore oil and to developed alternate fuel find which requires billions of Dollars. With growing annual demand for 2 million barrel per day, most of it coming from Asia, one single event that disrupts oil production could send prices sky rocketing. Current demand for global oil is 84 million barrel per day. I expect the oil to trade in a USD 75-80 range in a short span of time. Not long ago talking of oil price averaging USD 60 was a sin. So let us get prepared for the next coming big move.

Top Suppliers B2B and B2c Market place
B2b , B2C market place
Dropship, Wholesale Directory

Are you looking to start investing online? Without the right
knowledge and information online investing can be an
intimidating experience. However, if you do your research before
starting and see what different online brokers offer, you can
turn it into a very profitable and rewarding experience. There
are several very important tips you need to know before starting
to invest online.

The first features you need to look for before you start
investing online is trading commissions. Trading expenses can be
all over the map when it comes to online brokers. Costs can run
anywhere from $4 all the way to $40 and more. If you plan on
investing small amounts of money into stocks then you need to
make sure your online broker has low trade expenses (under $15)
or these costs will eat up all your account balance and any
profits.

When choosing where to start investing online you should also be
aware of account fees and account minimums. In order to protect
any profits that you make you need to make certain that your
account has low account maintenance fees, preferably an account
with no account maintenance fees. Many online investing
companies will charge you anywhere from $15 up to $80 a year
just to have an IRA retirement account. However, there are sites
that offer free IRA retirement accounts and these are the ones
you should go to when opening an online investing account.

Numerous online investment companies also have a set minimum
account balances. If you account falls below that minimum
balance required, you will get charged a fee. Over time these
fees can take your balance down to $0! It is crucial to make
certain that the online brokerage company you choose has no
minimum account balances.

Quite a few of the larger brokerage companies will charge higher
fees because they offer sophisticated investment research tools.
These can be great to have, however, most of these tools you
will never use. The tools you will need and use can be found at
different sites online at no cost. It really is not necessary to
pay for the sophisticated research tools, so be sure you are not
paying higher fees to have them.

If you do your research prior to opening an investment account
online it will make investing much easier and more profitable.
There are many advantages to investing online, such as; lower
costs, being able to place trades on your own, saving time, and
most importantly it will be easier to build your wealth. Just be
sure to shop around before you make your decision.

I got all kinds of interesting answers to last week’s Time Out question, “How Do You Get to Wall Street?” One email said, “Take the Weehawken Ferry and then the subway.” The best answer I received was, “It depends on where you are.” This is also the best answer to the question, “How do you build your business?” Before you start planning seminars, client dinners or a mailing campaign, you should step back and take a close look at where your business is at now. You spend hours working in your business; now spend a few hours working on it. You know the value of profiling your top clients; now profile your business.

How to Begin

Have you ever tried to complete one of those 500-piece jigsaw puzzles? You start by dumping all the pieces on the table and turning them face-up. Then you look for easy matches and fits and find the straight-edge pieces and corners. You look for patterns to emerge and build on. Take this same approach with your business.

First, turn all the pieces face-up and find the edges and corners. This means sorting your household accounts by assets and doing a second sort by production. Compute the percentage of your book each quintile of clients represents in assets and production. Now you’ll see patterns emerge that tell you an important story. A close look at the first quintile of clients will show that approximately 80% of your assets and production come from this quintile. These are your best clients. The bottom three quintiles will show you where you’re losing money. On average, the bottom 60% contributes less than 8% to your production yet demand more than half your time. How does that imbalance affect your profitability?

The Completed Puzzle

When you’re done with this segmentation and analysis, you’ll draw some conclusions about how to develop rapid and profitable growth. You’ll know where you are so you can plot how to get where you want to take your business. (The answer won’t be a ferry and the subway.) You’ll be ready to write some goals, strategies and action plans that will guide you to your destination. You’ll also discover some things that might be holding you back. (Think bottom three quintiles.) All you need is your client data and a spreadsheet. I always ask my clients to begin our strategy coaching relationship with this basic analysis.

Bob Lodie is a speaker, business strategy coach and consultant to financial advisors. He is author of Three Steps to Million Dollar Production and Personal Success from the Inside Out, and he is President of CEO-Think, a 12 month program for independent service providers and professionals. He can be reached bob@boblodie.com or direct at 310-552-6064