How to Pick the Best Personal Finance Computer software

25 Sep

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When it comes to budgeting, private financial software can be of fantastic advantage. However, with the range of options on the market, it may be challenging to choose. How do you choose between Quicken, Microsoft Money and YNAB Pro? All of them come from effectively respected businesses. Income and Quicken have differences in their appearance but the target of the two applications is quite considerably the exact same. YNAB looks to alter your way of budgeting and considering entirely.

Quicken

As far as personal finance software goes, Quicken is the current leader. The firm that has produced Quicken has expanded the product line to supply many distinct versions of Quicken. Some of the recent versions are Starter, Deluxe, Premier and House & Enterprise.

I suggest you take a look at the comparison chart, but even the Starter edition need to offer you sufficient bells and whistles if you are just beginning out with personal budgeting computer software. As you move up their item line further characteristics are added that expand from your normal day to day banking. These functions assist you hold track of your personal investments, tiny enterprise finances and home management.

Quicken is effortless to get up and running quickly. It has a properly developed user interface that is very user friendly for newcomers. My principal situation with Quicken is it can be an overkill for individuals hunting to set up a easy budget. However, if you are hunting to deal with all of your economic needs making use of 1 product Quicken may possibly be correct for you.

Microsoft Cash

If you are utilised to running Windows or Microsoft Workplace you will instantly be familiar with Funds as quickly as you install it. Just like most of Microsoft’s goods their is a universal really feel of the layout and menus. This helps existing Microsoft item customers get up and running fairly speedily.

Microsoft Funds actually emphasises internet associated content material. The system has tight integration with Microsoft’s on the internet web services. If you do not at the moment have an net connection or are not constantly connected, you will want to take that into consideration prior to acquiring Microsoft Funds.

Microsoft Income offers a web based version. If you are a individual who is usually on the road or is constantly moving from pc to computer you could want to look into this. Nevertheless, just like accessing any private details on the internet, make confident the pc you are employing has all of the most recent security updates.

YNAP Pro

YNAB Pro is a new comer to the personal finance arena and this could be the first time you have heard of it. YNAB Pro prides itself on getting a completely new way of managing your money. The program is based about four easy rules which you can read more about .

The interface of the system is effectively designed and provides pleasant graphs and visuals to show you precisely where you are succeeding and failing at your budget. Each month you set up a spending budget quantity for every single category you have made. As you enter your transactions either manually or by synching with your bank you can see immediately how much cash you have remaining in each and every category for the remainder of the month. If you occur to go over, you just “roll with the punches” and that amount will be deducted from the following month in order to preserve you on track.

In conclusion, if you are seeking for a bunch of bells and whistles in your budgeting software package take a appear at the first two recommendations in this write-up. If you are searching for a basic program that will get you on track speedily give YNAB a appear. What ever you choose is it wise to set up a data recover service like Raid Data Recovery for all of your important business files

Buying And Selling Gold – Is It A Viable Option

24 Sep

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While the world economy has seen a significant bounce in recent years, there is no denying that buying or selling gold remains to be one of the safer investment options out there. Investors, who want to remain risk-averse, or at least want to stick with lower risk investments, can certainly benefit from the stability and potential of buying and selling gold. In this post, we will examine why gold is a great way to diversify an investment portfolio as well as review some of the options available to investors who want to get started in investing in gold today.

In terms of economic and investment benefits, gold is only rivaled by a few other investment vehicles on market.

  • Gold never really truly loses its value. For centuries, gold is the currency that is used to do business in the ancient world. Today, countries hedge their economies by stockpiling their own gold reserves and this is then used to determine whether or not a country has enough secure assets in place to justify printing money. In the grand scheme of monetary valuation, gold is the “golden standard” by which most other assets are measured against and so it remains an attractive option regardless of the scenario.
  • Gold can easily be purchased such as on a site like Bullion Vault. Many think that purchasing gold is a very difficult venture but this is not so. If you have the money and you are confident in the quality of the gold that you are buying, there are more than a few ways where you can get your hands on gold.
  • As a hedging asset, gold is great because it tends to appreciate further when the global economy weakens but tends to remain stable when the global economy is doing well. In other words, its value remains high regardless of the state of the global economy.

There are also many forms of gold assets that are perfect for an investor regardless of budget or investment strategy. There are small gold coins like the American Gold Eagle, the British Sovereign, or the Australian Kangaroo. Bigger gold purchases can be done in 1-ounce or 10-ounce bullion bars. Gold is available in practically any size for any investor on any budget.

So take some time to assess whether you can jump into buying and selling gold to widen your portfolio’s potential. It is certainly a venture that you can benefit from in the right circumstances as long as you do your part to make sure you assess how you can use gold investing into your advantage. The market is wide open for another savvy investor like you.

A Look At Secure Investing – In Each The Brief And Extended Phrase

24 Sep

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One of the massive issues a lot of individuals face in life, really frankly, is that they function far more hours than they take pleasure in functioning – and the hours they operate are spent at a job they do not enjoy either of course, some people just resign themselves to this, claiming that it is merely a “fact of life,” but other people reach a point exactly where they choose that they are going to do one thing to turn their fortunes around. If you have ever felt this way your self, one factor you may possibly want to start off mastering about is genuine estate investing immediately after all, the much more you discover about this kind of investing, the closer you will come to a actual estate fortune!

Of program, there are a lot of folks who select to shy away from actual estate investing simply because they view it as one thing that is extremely complex – anything that will surely give them an opportunity to build a fortune, but by means of which they could also shed a lot of cash if they are not careful even though this might, in truth, be the situation in some instances, even so, it is not at all the situation when you take the right strategy to actual estate!

The primary thing that will be essential for you to comprehend about actual estate investing is that it can in fact be an really protected investment choice if you are studying the basics that will lead you in the correct direction in truth, when you understand to invest in genuine estate the appropriate way, you will locate yourself in a position where you have passive income off of which you can reside in the short phrase, and down the road these same investments will also have massive payoffs!

At the same time, nevertheless, one of the hardest parts of all, when it comes to receiving your feet wet with investing, is locating a true estate investment method that will be giving you high-quality details, and that will lead you in the right course (there are, right after all, a number of systems and tips forums that will end up leading you down a totally wrong path) – and for this reason, you want to make certain the location from which you are receiving your information is respected, trustworthy, and above all else, knowledgeable!

Understand: there is completely no reason why you ought to find yourself in a position where you do not have as significantly money as you want, and why you must be failing to enjoy the life of your dreams. If you are hoping to learn a lot more about using investing to turn your life and your finances around, be positive to visit for more tips and details – and start off understanding how you can place your life on a totally new path, one that leads toward your fortune!

Establishing a Retirement Investing Strategy That Fits You

23 Sep

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We are programmed to feel ahead and plan for our futures. We were taught in school that we must get very good grades and go to college — get a very good job and live the very good life. Now that you have done all these factors it time to begin considering about retirement investing. There are a handful of basic rules you ought to apply when pondering about your retirement investing program. This post will help you develop a retirement investing schedule that fits your needs.

Where do you want to be in 5 years?

Before you can strategy ahead you want to know where it is you really want to go. If you strategy on traveling when you retire you may possibly not want to have the burden of a house and all the up-hold that is involved with that obligation. Retirement investing is not constantly about generating the right investments. It is also about sensible handling of your assets and time management. If you personal a house you will want to have it cared for although you are away on your trips. If you sell the property you may possibly be losing the investment value, but you will be adding life value by relieving oneself from the obligation and cost of keeping the house.

Do You Need to have the Motor House?

When contemplating your retirement investing plan you need to consider about the varieties of autos you will personal. The stereotypical retiree buys a motor property and off they go. Then they are hit with huge gas bills, upkeep charges, and insurance and the list goes on. If you regarded a smaller sized car you could conserve a considerable amount. This could not sound like retirement investing, but if you are saving funds you are earning money.

Learn All You Can About Retirement Investing

The internet is a wonderful spot to find out a very good retirement investing strategy. See what others are carrying out and develop a method that works greatest for you. It is not usually about stocks and bonds. Feel ahead and handle what you have. That is a great investment.

Staying Healthy Is A Fantastic Program

Continuing on with the thought of Retirement Investing other than stocks and bonds — you must be establishing a wholesome diet program and workout regiment. Seek the advice of with your medical doctor to develop a wellness plan that operates greatest for you. If you are not healthful no quantity of income will genuinely matter. Enjoy life to the fullest by pondering out side the box.

Insurance Guarantees A lot more Attractive In Romania

23 Sep

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Insurance guarantees have emerged as an alternative to letters of guarantee issued by banks. There are two fundamentally kinds of guarantee instruments that can be utilized in Romania:

1. Unconditionally guarantees (issued in the form of “bank guarantees letters” issued by banks)

2. Conditional guarantees (issued by insurance organizations)

Economic difficulties, and specifically the lack of liquidity, arising from the economic crisis which impacted Romania from 2008 till in the present, forced organizations from Romania to switch to insurance guarantees supplied by insurance organizations to the detriment of banking products such as letters of guarantee. As a result, the government decision with nr. 834/2009 mention that the guarantees issued by insurers are expressly accepted forms of guarantee by public institutes to participate in awarding the public auctions. Nonetheless, practically 4 years immediately after the implementation of the new legal provisions, warranty insurance industry is underdeveloped in this area.

By offering guarantees, insurer undertakes to pay compensation if the beneficiary is insured and it shows faults that can not fulfill its obligations underneath the contract of perform / service. Most contracting authorities require firms participating in the auction bank guarantees, although the guarantees issued by insurers are expressly incorporated into the category of eligible collaterals. Companies that participate in auctions organised in Romania need to know that contracting authorities do not have the right to decide on or to impose what kind of guarantee is necessary.

The insurer covers hazards arising from failure or improper efficiency of the contractual obligations assumed by the Insured beneath contract with the beneficiary.

There are four varieties of collateral as it follows:

– Delivering tender guarantee (Bid Bond). According to statistics in Romania, this variety of insurance is the most utilised from the guarantee insurances. This is because this sort of insurance is necessary in the vast majority of auctions organised for a variety of types of projects.

– Overall performance guarantee insurance contract (Overall performance BOND)

– Supplying Guarantee for advance return (ADVANCE PAYMENT BOND)

– Provide warranty period upkeep / maintenance (Maintenance BOND). Regarding the truth that in Romania the infrastructure is rather poorly created and there are many developing internet sites to enhance it, a lot more and much more organizations, especially construction organizations realized lots of infrastructure tasks. Numerous of these projects deteriorated in a brief period of time right after completion of performs. As a result it was decided that 1 of the primary situation for getting a construction function will be the presenting of a performance bond insurance.

Based on the kind of collateral needed, the Insured might be:

– Bidder – Guarantee Clause of the tender offer. The term Provider implies any economic operator who has submitted the tender following the announcement / invitation to tender (manufacturer, supplier, contractor, contractor, provider). or

– Contractor – for other types of collateral.

The phrase Contractor refers to the tenderer which has become, beneath the law, a celebration to a public contract or framework agreement (builder, contractor, subcontractor, supplier, contractor, provider).

The Insurance product guarantees supplied covers the performance of contractual obligations for public and private construction projects.

Bid Bond – Guarantee Clause of the tender provide

By this clause, the Insured and the Insurer primarily in the option is firmly committed to ensuring Employer obligations arising from the tender offer you.

Advance Payment Bond – guarantees the return clause advance

Primarily insured and insurer, in the substitute, for damages Beneficiary guarantees, if the insured is guilty of failure or improper overall performance of obligations beneath the Contract relating to the use and return of the advance, up to the quantity insured.

Overall performance Bond – Clause guarantee of very good execution of the contract

Primarily insured and insurer, in the option, for damages Beneficiary guarantees the highest amount insured if the insured is guilty of failure or improper functionality of obligations beneath the contract of work / service and the beneficiary finds some weaknesses, shortcomings, defects in the operates.

Maintenance Bond – Guarantee Clause in the course of upkeep / upkeep

Primarily insured and insurer, in the alternative, for damages Beneficiary guarantees, if the insured is guilty of failure or improper functionality of obligations below the Agreement on technical upkeep and address any deficiencies receiver, warranty of the operate for which it is liable under the contract execution.

The Insurance guarantees are issued below a contract amongst the insurance organization, contractor-insured (individual who wants insurance) and the beneficiary (the person who will receive insurance if the insured fails to honor its obligations beneath contracts or provision of services).

Providing you can use to guarantee the bid, functionality guarantee of work or services, advance return guarantee, warranty or maintenance period for a service or maintenance operate performed.

As a result, the guaranty Insurances are much more advantageous because it is involved the contractor to make certain financial liquidity blocking a deposit “collateral cash” for periods of time that can reach up to many years.

Age Concern Travel Insurance

22 Sep

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As we develop older, numerous over the age of 65 enjoy comprehensive travel. In your golden years, you deserve to be able to travel to places you have in no way been, or go to those you enjoyed most in the past. Age Concern travel insurance may be the solution you want so that you can travel the globe without added worries or stress. It usually becomes difficult to find travel insurance as you age, due to numerous aspects such as medical conditions. Age Concern travel insurance takes a distinct strategy to these of a specific age who want to travel the world.

Numerous insurance businesses will not cover a pre-existing healthcare condition when you travel. Age Concern travel insurance will cover pre-existing conditions for these who qualify, and figuring out whether or not you qualify can be achieved by answering a handful of queries. There are no upper age limit levels as there are with a lot of travel insurance companies. Unfortunately, today many companies look to view insurance as a luxury, when it is in reality a necessity for anyone who desires to travel either in their personal country or to a foreign country.

Age concern travel insurance provides excellent coverage for those aged 65 and older who take pleasure in traveling. Whilst any person desires to enjoy a trip to the fullest, factors can and do take place. What if you had been to be in an auto accident although you are in a foreign nation? You may possibly require to be hospitalized, which would bring up a whole new dilemma. All also frequently, people do not understand the jeopardy they place themselves in by traveling with out buying insurance. Your bags may get lost or stolen, your trip may possibly be canceled for unforeseen reasons, or an emergency may possibly cause your trip to be cut short. It is a excellent notion to be prepared for anything when you make a decision to take off on holiday or a trip to Europe!

Several individuals are extremely active, even as they approach their golden years. Boating, skiing, and other activities do put you at greater threat of getting injured, but life is not meant to be approached in an overly-cautious manner. If you are organizing a trip that incorporates sports or activities that may be deemed risky, several insurance organizations will not cover you in the occasion that you are injured while participating in these types of activities. Be prepared for your trip by realizing what activities you will be engaging in, and regardless of whether you are covered if something should take place.

Age Concern travel insurance was conceived over two decades ago, when it was apparent that individuals of a specific age were obtaining the brief finish of the stick when it came to travel insurance. Because everybody ages, you should not have to be stifled within boundaries regarding your enjoyment in life and items you want to encounter. One of the most enjoyable issues in life as you grown older is experiencing new locations and new adventures. Age Concern enables you to travel and get pleasure from life, with no the worries of what may possibly occur or if you will be covered.

Usually bear in mind, this is not medical insurance. If an unexpected emergency does arise even though you are traveling abroad, Age Concern travel insurance will cover emergency expenses, but not the usual expenses such as tests and drugs that medical insurance provides.

For a be concerned-totally free trip you will bear in mind for years to come, make sure you are equipped with the facts. It is often far better to be secure than sorry, particularly when you are going to a unusual nation. requires care of numerous of these things you be concerned about, but other businesses appear to disregard. Strategy nicely in advance, understand much more about what Age Concern travel insurance has to supply, and appreciate your travels no matter how far the entertaining and excitement requires you!

Harald Seiz: Global Entrepreneur and Cultural Features on Travel

22 Sep

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The world has an amazing richness of cultures with diverse histories, traditions and customs. Business travelers should acquaint themselves with the customs of rising nations, such as the BRICS (Brazil, Russia, India and China), if they want to be productive. Respect for cultural norms helps build business relationships.

“China Confucianism”

Chinese culture is millennia old. In fact, paper money and fireworks were both invented in China. Marco Polo took this paper fiat currency concept back to Italy.

Bowing is still expected as a show of deference in China. Your business cards should have both English and Chinese on them, out of respect. It is advisable to develop a relationship before you meet with the Chinese; this creates a bond of trust. Negotiations are quite complex.

“Russia Bear”

Direct eye contact during face-to-face meetings with Russians is expected. Your meetings might take longer than expected, so allot enough time on your schedule.

Russians believe that there are limited resources with a zero sum gain. You might face walkouts and emotional outbursts during negotiations; these maneuvers resemble chess moves.

“India Namaste”

Indians don’t like to say “No,” so they might obfuscate in order to continue amiable relations. Indians are quite spiritual and believe in personal, intuitive negotiations. Only certain individuals can make the final decision.

“Brazil Samba”

Brazil flows like the Amazon River. It is full of life, excitement and a little chaos. Dining is important, even in business contacts. Expect close proximity and ways to circumvent onerous rules.

“East Buying Gold”

As China and India industrialize, the masses are increasing their purchases of gold and silver in the international markets. India has always purchased large quantities of gold for its Hindu festivals. By concentrating on time-tested traditions, these nations have remained strong, energetic and full of vigor. You can add the same vitality to your wealth portfolio, by purchasing gold Karatbars.

Paper fiat currencies are prone to “moral hazard.” Their value can fluctuate dramatically and will always depend on whether the other party chooses to fulfill his promise. Gold Karatbars are always valuable – giving you control over your destiny.

My name is Mr. Harald Seiz and my Karatbars are a great way for you to take control of your life. When nations trust in gold, they have something that is permanent, tangible and valuable. Control your destiny with the global currency accepted in all nations: gold.

Arkansas Insurance Adjuster – 3 Measures to Grow to be a Licensed Adjuster in Arkansas

22 Sep

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Arkansas residents interested in becoming an independent claims adjuster working catastrophic claims across the country ought to strongly take into account 1st acquiring their resident Arkansas adjuster license. Non-residents interested in functioning claims in Arkansas may possibly be essential to obtain this license ahead of getting allowed an assignment. There is an exam necessary and a stipulation with regards to experience. Comply with these 3 steps to obtain and sustain your adjuster license in Arkansas.

Step 1) Observe the Needs

Folks applying for an Arkansas adjuster license should be 18 years of age or older. According to the Arkansas Department of Insurance, if you are a resident of Arkansas you need to have “at least one year of expertise in claims adjusting or must work under the direct supervision of an Arkansas licensed adjuster for 1 year after licensure to maintain the adjuster license.” Lastly, residents should pass an insurance adjuster exam administered by Promissor.

Stage 2) Acquire the License

To effectively grow to be a licensed Arkansas adjuster, you will require to fill out and submit the Adjuster Application Kind Aid-LI-ADJ and accompany it with a $60 licensing fee. Web page 5 of the application needs your consent to let the State Police to conduct a criminal record search and release any final results to the Arkansas Insurance Division. This, nonetheless, only applies to resident applicants. Arkansas grants reciprocal licensing privileges to non-resident adjusters holding a license in their residence state. Unfortunately, if your home state does not call for a license to be an adjuster, you need to then pass the Arkansas adjuster exam.

Stage 3) Keep the License

Licensed Arkansas adjusters ought to renew their license after yearly by submitting a renewal application and a $35 renewal fee. There are no Continuing Education needs mandated by Arkansas for the correct upkeep of the adjuster license.

Summary: Eventually, residents of Arkansas will want to obtain their resident Arkansas adjuster license – whether or not you intend to work claims there or not. Independent catastrophic adjusters who perform outdoors the state but have their main residence in Arkansas should strongly consider getting this license. Numerous states will not enable you to reciprocally get their license if you are not licensed in your resident state. This is not your prototypical danger state for disaster, but as it borders the tornado belt, and with frequent hail storms and flooding, non-resident applicant interest should remain stable. For additional licensing info, refer to the total requirements.

Play bingo, have fun and make easy money!

22 Sep

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Diversification, Investment Handle, Economic Intelligence and Investing in the Right Asset Types

21 Sep

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Most of what has been drilled into our heads about investing in mutual funds, CD’s paying down our mortgage and diversifying is nothing but smoke and mirrors. The monetary solutions organizations like Fidelity, Charles Schwab and economic planners are the ones creating all of the money. The dilemma is that most men and women have extremely little economic education in order to invest for retirement appropriately so they hand more than their money to someone they HOPE will have the proper information base to safely increase their wealth. The problem is that these investment varieties are HUGELY RISKY. These kinds of asset classes, paper assets, do not permit the investor handle. Then throughout market place crashes, all most can do is watch helplessly as their wealth gets whipped out along with their monetary safety. If you have a lot more control more than your assets then you are not affected as significantly by marketplace crashes. For example, if you invest in assets like real estate that generate money flow by means of rental revenue after all of your expenditures are covered, if the real estate marketplace and stock marketplace crash you are nevertheless in wonderful shape. While every thing is crashing you are nonetheless receiving your rents and do not need to sell the asset. Investing in non-paper assets (i.e. not mutual funds or CD’s) makes it possible for you to use leverage as nicely which increases your wealth by generating your income perform tougher for you. Most monetary planners will tell you that using leverage increases threat. That is not usually the case if you have the proper financial expertise to manage the investment and enable safety controls on your leverage use.

They will also inform you that genuine estate is a risky investment. The purpose for that is that monetary planners generally lack the financial understanding about how to handle genuine estate and make it profitable. Most monetary planners place men and women into paper assets where the investor does not have control and consequently it is hugely risky to use leverage. In true estate investments the worth of the property should not be based on the “opinion” of an appraiser but on the income that it generates by way of rents. The worth of the rental actual estate is dependent on jobs, salaries, demographics, nearby sector, and supply and demand of affordable housing. In a housing crash, the demand for rental units frequently goes up, which implies rents boost causing the worth of your home to improve. You can control rental actual estate and which geographic areas you invest in in contrast to paper assets that enable no controls. Economic intelligence is the key to escalating your controls over your investments. It’s very critical to continue to boost your financial intelligence in order to shield your self. Unfortunately, economic intelligence is not taught in schools since such a big portion of the population, including teachers and politicians do not have a really high monetary IQ. When financial advisors say that an improve in returns implies an boost in threat, they are appropriate when speaking about the paper assets they recommend to investors that they make significant commissions on Before displaying functionality. They are incorrect when speaking for all assets. Economic advisors are simply salespeople. Most men and women invest in paper assets such as financial savings, stocks, bonds, mutual funds and index funds due to the fact they do not want to take responsibility and manage over their economic nicely being. All they want is to turn their income over to an investment advisor who hopefully does a good job. Out of sight, out of thoughts. If folks want far more handle, the very first issue they require to do is improve their monetary intelligence and hopefully improve their monetary controls and leverage ratios.

Most financial advisors suggest diversification but they do not truly diversify. Initial they only invest your money in one particular asset class, paper assets. Second, mutual funds are currently diversified investments which are invested in a pool of great and bad stocks which does not improve the worth or reduce the danger of the investments. Expert investors DO NOT diversify. Warren Buffett put it perfectly when he said, “Diversification is a protection against ignorance. Diversification is not essential if a particular person knows what they are carrying out.” So if diversification is a protection against ignorance then when you diversify whose ignorance are you guarding oneself from? Your ignorance and your financial advisors ignorance? Focus, not diversification, is the crucial to a lot more sophisticated leverage, larger returns, and lower risk.

The point I am attempting to make is that if you increase your economic intelligence about distinct asset classes, like genuine estate, you will find out how to control your personal economic security and wealth creation rather of relying on some monetary advisor who probably does not know what they are doing. Appear at the substantial wealth transfer that just occurred when the market place crashed while bailing out the banks (i.e. the top 1% wealthy individuals elevated their wealth even though the middle class and poor decreased in wealth). This occurred simply because most people do not have the financial intelligence to safeguard themselves. Beginning to get financially educated is the crucial to wealth creation. So get to the bookstore and commence reading. Take classes on economic intelligence and methods to increase wealth. It is the crucial to your achievement and preserving your wealth so that economic predators (i.e. the government, monetary advisors and the large mutual fund peddling firms like Fidelity and Charles Schwab) do not take all of your wealth away by investing it in asset classes that do not enable you any controls more than these investments.