How To Choose An Independent Financial Adviser

Submitted by: Sean Horton

We tend to turn to all manner of people for advice and often take pot-luck on whether the person we have asked is especially knowledgeable, whether we can rely on them to be giving impartial and independent advice, or whether their answer starts with the phrase “If I were you…” When it comes to seeking reliable advice about making your own money work its hardest for you, however, there is no need to leave so much down to mere chance and the luck of the draw you should consider choosing an Independent Financial Adviser.

The title says it all. An Independent Financial Adviser will be independent he will not be in the employment of a single company whose financial products he sells on commission or for any other consideration. His financial advice will be just that advice based on an up to the minute and extensive knowledge of the many and varied financial products available on the market. He will not tell you what to do or what decisions to make, but will place before you all the well-reasoned options from which you can make your own informed choice.


Your search for a reliable and fully competent Independent Financial Adviser is made easier by the fact that each one has been licensed and continues to be regulated by the Financial Services Authority. You can be reassured by the knowledge that such recognition does not come easily, but is a measure of the individual adviser s professionalism and the qualifications he has had to earn.

When choosing an Independent Financial Adviser, therefore, you might want to check out the particular qualifications he or she has been awarded. These can come from a number of well-established and respected institutions, of which some of the best known are the Chartered Insurance Institute (CII), the Chartered Financial Analysts (CFA) Institute, the Personal Finance Society (PFS), the Pensions Management Institute (PMI), the Institute of Financial Planning (IFP), the Securities and Investment Institute (SII), and several others, all of which demand comprehensive knowledge and high-level training in financial services and management. What is more, continuing recognition as an Independent Financial Adviser demands a constant updating of that expertise and knowledge as different financial products come onto the market.

You will know when you have found the right Independent Financial Adviser for you when you are in a position to take or choose not to take the advice offered. The Adviser s role is, in fact, a difficult one to get right. In draws a fine line between on the one hand instructing the client what to do and on the other hand expressing a view that comes across as no more than a disinterested opinion. Rather, the advice required of a professional Independent Financial Adviser is the “best advice” from the client s perspective. What the Adviser must try to do is to put himself into the client s position for a moment and base his advice and recommendations purely on what is “best” for his client. This is the final and most difficult test of the independence and objective impartiality of the truly competent Independent Financial Adviser.

About the Author: Sean Horton is a Director of Enhanced Wealth, a whole of market mortgage broker and

independent financial adviser

specialising in mortgage advice and the associated areas of income protection, mortgage protection, and mortgage life cover.


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Computer Recycling Services

The improper recycling of computer and disposal of electronic devices has adverse affect on our environment. Many companies starts offering there computer recycling services and disposals. The services of computer recycling companies include IT recycling services, proper recycling of computers and disposal of electronic equipments.A good computer recycling company provides you best, safe and environmentally friendly services at affordable prices. A computer recycling company will properly recycle the old items.If your computer equipments are out of order and unfit for the re- use, the recycling process will start. Computer recycling companies offers you wide range of services including data wiping, computer recycling and disposal of old equipments.A good recycling company makes recycling easy for you and also charge you with little amount. Many recycling companies have their price structure you can check their prices. Before choosing the recycling company you can choose quotes from two or three companies to check the prices and service. After proper examine choose one recycling company which suits with your needs. When you want to recycle computer and disposal of electronic devices, your top priority is security and finding an environmentally friendly solution for this purpose. It is important to check the methods of recycling of company before choosing it. Always choose a computer recycling which has good reputation.It is better for you to choose a computer recycling company which is registered with your state Environment Agency. A computer recycling company also offers you services of full data wiping by using the American Department of Defences wiping system.A reputable computer recycling company will completely recycle your data and collection. A registered recycling company will dispose of your equipments without harming the environment.A good computer recycling companys main service is to provide comprehensive data security. Computer recycling companies usually remove the labels and tags from your computer equipments and also they overwrite or wipe out your hard disks by using a certified US Department of Defense. The other main service of computer recycling companies is to clean mess. A good recycling company will abolish the annoyance, mess and cost of excess and outdated computer equipments.The other main service of computer recycling company is to maximize value recovery. If your computers have lingering value, recycling company will provide you cash for the equipment.The main service and concern of computer recycling company is to maximize the environmental impact. A registered recycling company will recycle your computer equipments in accordance with states legal and environmental policies.A good and reputable recycling company will take proper care of the logistics and disposal infrastructure to correctly recycle. A good computer recycling company provides you accountability throughout the recycling process.If you dont have time to properly delete your old computer data, you can hire the services of computer recycling company. Computer recycling business is growing these days. A good registered company will provide you secure computer recycling and disposal services. You can search your local computer recycling companies on internet and hire them for their services.

Ball Ergonomics Chair Review

Submitted by: Melisaai Birdsong

I’ve been hearing a huge amount of articles regarding Ball ergo chairs, which basically in the simplest definition would be a ball that sat in certain kind of cradle which had legs, you would then take a seat on the ball similar to a chair. I spent time on YouTube watching random videos of individuals attempting to make their very own chair and failing epically. One video that sticks out i believe was obviously a son in college that was short on green, but he desired a office chair which pressured him right into a correct sitting posture, one which would boost his normal posture. Being mindful of this, he opted to create their own ball chair which looked just like the humanscale chair minus one distinct detail; he was using a basketball as opposed to a workout ball. Initially when i first discovered it I pondered exactly how he can afford a basketball rather than a fitness ball for his chair, he explained inside the video that he found the basketball and honestly couldn’t even afford a 25 dollar ball at Wal-Mart. Regardless he tried to hold himself up on the basketball serving as his office chair at his desk, he was constantly grabbing to the fringe of his desk and flailing around, it was quite funny.

The problem with inexpensive copies is they are precisely that, cheap. The humanscale ergonomic office chair is my favorite office chair for 2 reasons:

1)It’s the most unique chair that I’ve ever seen. At any time someone has my office to chat with me at night, they immediately execute a double take once they see things i am sitting on. This gets a problem because It’s my job to enter into attorney at law about the great things about my chair and the way they may be vastly superior to some other cheap office chair you could pick up at your local supply store. I’ve sold a lot of people on these chairs that I should probably setup an affiliate marketer store and commence making a little coin quietly.


2)Not merely will be the chair attractive and unique but it’s super functional. This means that it’s the very best chair to improve your health, posture, and overall productivity. The ball chair actually forces you to employ your back and ab muscles (also called your core) when you are seated in it. Why you must have used them is to stabilize yourself so that you don’t topple over. Although this might appear distracting in the beginning, one quickly adapts and gets accustomed to it after which one begins exercising while they’re working. Yes you essentially do an abdominal and minor back exercise as you sit on this chair. I frequently get comments about my 12 pack and I’m not referring to keystone light.

With all the economy within the slump that it’s in the ones corresponding twice as hard to make a dollar these days, its only normal that you’ll be spending more hours at the office, and understandably more hours inside your office chair. With all the familiarity with this, its time to take action and boost youthful vitality, invest in a humanscale chair and get back that suffering and slouched healthy posture. Your debt it to oneself.

Ergonomic Chairs

Ergonomic Executive Office Chair

About the Author: Hi everybody my name is Melisa B and I manifest articles about

on behalf of


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Investing In Oil And Natural Gas Is All About Diversification

By Dennis Stutes

From January, 2006.

Investing in gas & oil investments is all about reducing your risk, and spreading-out your investment funds, or diversifying in as many new prospective oil & gas wells as possible while building a portfolio of new commercially productive wells. You need to be able to do this while taking advantage of the opportunities to invest in many fields as practical.

Your goal should be to own working interest, or have direct participation in mulitiple lease hold interests within several, or many areas of mutual interest. In our business, these lease hold interests, are located within what are called Area’s of Mutual Interest (AMI).


You must of course find and trust the right operators, company, or companies, who you can then invest with to achieve a successful outcome, plus, in almost all instances, do not invest with a company unless it is registered & licensed with the NASD, and whose brokers are licensed and registered in your state of residence as well.

You must check on this requirement, and you should not receive an offer to invest, or a memorandum until you are approved to be doing business by the licensed, and registered company, or companies you are reviewing…it’s a two way street…they need to know who you are and you need to know about them before making any investment decisions.

SIPC insurance is only available if you are investing with both registered, and licensed broker/dealers, and registered representatives, don’t make the mistake of short cutting this important step to success in our industry.

Investing in many ‘area’s of mutual interests’, or ‘leasehold interests’ with multiple operators allows you to benefit from the investment strategies of many operators, and prospect generators, not only to realize the benefits of diversifying with many very successful operators, and prospect generators…but to be able to directly profit from their major discoveries which can, and do occur throughout the most lucrative areas; where large commercial, and recoverable quantities of oil & gas are being found by these companies, or pro’s in our industry…you just never know when or where a big discovery will be made…capitalizing on the discovery is a key to success in our business…being postioned to take advantage of the opportunities when they occur takes both luck, and skill…plus a plan…

You must have the proper investment structure, and legal entity to be able to invest relatively small amounts of your hard earned money in many wells which allows you to fully diversify your portfolio, and get all of the tax benefits possible from your investment at the same time. The direct participation, working interest ownership method of investing in new oil & gas drilling prospects is how the industry, or people in the business acquire fractional oil & gas ownership in both developmental, and exploratory wells in the US.

Let us know if you would like to receive more information about how to do your due dilligence to find the right companies to do business with, and what to look for when you do.

About the Author: Dennis Stutes is a world wide expert in

Information About Oil and Gas Investing

, he can be found at his site about oil and gas investing.


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Specific Powers Of Attorney

There are specific power of attorney that can be given to a person or company to handle the principle’s affairs. Within these specific powers, there are three that are very commonly used. These are special powers, durable powers and durable health care powers.

Special Powers

Special powers is when a person is appointed to follow through on a specific task. Once the task has been completed, the power is no longer in effect. The tasks that can be completed using a special agent can include, but are not limited to:

  • Borrowing money
  • Debt collecting
  • Having access to safe deposit boxes
  • Able to handle banking transactions of all natures
  • Able to handle government issues
  • Decisions regarding the estate including gifting
  • Handling financial decisions
  • Handling business affairs
  • Managing and dealing with real estate issues
  • Dealing with real estate mortgages
  • Handling personal property sales.
  • Real estate sales.

Durable Powers

Durable powers let family members handle the principle’s financial dealings without going through the courts. Many times there may be a spouse, however since they are incapacitated, they may have limited rights to make decisions when there is joint property and finances. The financial powers that can be granted can include, but are not limited to:

  • The claiming of any inheritance and other property
  • Collecting social security and medicare benefits
  • Pay and file taxes
  • Hiring lawyers and court representatives
  • Handling the investing of stocks, bonds, and mutual funds
  • Handling and managing the principle’s business affairs
  • Handling and managing any property
  • Handling and managing any and all retirement accounts
  • Handle and manage transactions at the bank and any other financial institutions
  • Pay bills and expenses
  • Buy and sell annuities and insurance policies

Durable Health Powers

Durable health powers is considered an advanced medical directive, since there are instructions within the document detailing what the principle wants to have done once they become incapacitated. The durable health powers do not become active until the principle has become incapacitated. Up until that point, the principle is still in control of their own medical decisions. The majority of states do allow principles to put in the documents that they do not want life sustaining procedures in the event of a terminal illness. However, regardless of what is in the power document, the appointed agent should still clearly understand what the principle wants when it comes to medical preferences.

Keep in mind, that the principle can clearly define and specifically state exactly what powers they are granting to the agent. The more specific the document is, the better. This helps to limit any confusion or issues that could arise once the principle has become incapacitated.

Article Source:

About Author:

This article was brought to you by Crissi Enger on behalf of Legal where you can download legal forms online. You can download yourstate’s durablepower of attorney form or href=””>living will form attheir Website, fill in the blanks on your PC, and then print it out. It’sthat simple! Author: Crissi Enger

What Can You Do With Whataburger Coupons And How You Can Get Them?}

What Can You Do With Whataburger Coupons And How You Can Get Them?


Darren Mcgogle

Do you want a huge save for your meal at Whataburger Restaurant? Have you applied your Whataburger coupons before to save on the big, juicy hamburger? These burgers are part of what this company is known for. The one time hamburger joint established in 1950 in Corpus Christi, Texas by a man named Harmon Dobson. From that one joint, there are now over 700 units operating in 10 states across the southern part of the United States.


When this company was started, the goal was to cook up a hamburger big enough so that anyone eating it would only be able to hold the burger with two hands. The other goal was to make sure that anyone who ate one or even took one bite out of it would speak the slogan as well as the name, “What a burger”.

Now if you are planning to go for a try, before you go ensure to check out for some Whataburger coupons to take with you so that you don’t have to pay full price for your food. You should be guessing where you can find these coupons. There are a lot of different places, but the first place that I would recommend is to start your search on the Internet. There are a lot of different coupon sites that have different coupons for a lot of different vendors. Just do a search by putting in the words Whataburger coupon in the search box and various sites will be displayed. All you have to do is to go and visit those different sites.

One of the advantages of looking on the Web for these Whataburger coupons is that once you find them, what you have to do is to print them out. This makes it very easy to use for the person that is planning to apply these Whataburger coupons.

The next thing that you want to ensure that you take a look at once you find the Whataburger coupon is to check the expiration date. If the expiration date has expired, then of course, they will no longer be able to be reclaimed.

You also want to make sure that when you use these coupons that you bring the actual coupon and hand it to the waiter when you are ordering. This will confirm that fact that you will not have to pay full price for your meal.

So you may be guessing what some of the Whataburger coupons are good for. Here are some of the things that you will find on the Whataburger menu. You of course have all of the different kinds of hamburgers. These also serve with all of the additions such as the bacon, cheese, lettuce, tomatoes, pickles and jalapenos. 24 hours a day and 7 days a week you could also have their awesome chicken sandwiches, their hot chocolate brownie pie, and thick milk shakes. Do you want something different on your chicken sandwich? That is no problem. All you have to do is to let your waitress know that you want to modify it. You could ask for BBQ sauce, mayonnaise, mustard and ketchup as well as any of the toppings that are applied on the hamburgers. So whether it is breakfast, fish, chicken or hamburger and French fries that whet your taste buds, feel free to use your Whataburger coupons.

Darren is just another big fans of hamburger, Whataburger Restaurant is one of his preferred restaurants to buy his hamburger. Hence, he writes about

Whataburger Coupons

and shares where and how we can acquire Whataburger coupons and take a big saving for your meal at Whataburger Restaurant.

Article Source:

What Can You Do With Whataburger Coupons And How You Can Get Them? }

Why Should You Get Gatwick Airport Parking}

Submitted by: Maisie Osborne

It is a well known fact that finding affordable car spaces at airports is a costly task in the United Kingdom. Most passengers of the middle class variety have been complaining over the years, but the problem has only gone from bad to worse. There does not seem to be any indication of the problem letting up anytime soon.

The biggest issue is that most air hubs have not been upgrading the size of their car zones despite obvious increases in traffic numbers. These high passenger numbers have been the combined result of improved economies which have led to more people traveling to various destinations for business reasons.

Leisure travel has also gone up. Thats because besides the growing economy, there seems to be more vacation spots catching the attention of most UK citizens.

Gatwick Airport parking discounts definitely won’t just fall on your laps. While it is easy, you will need to do your part as well. This is mostly in the form of easy mouse clicks here and there. So long you follow some set tips, you will be home and dry.


But why would you go through all the trouble. Are the savings really worth it?

Consider that typical Gatwick Airport parking for 14 days may cost you about 100 Pounds. Now the savings wouldnt be worth the trouble if they were in the 5 or 10 percent range. But Gatwick Airport parking discount vouchers can get you as much as 75 percent off. That means about 75 Pounds off. If that doesn’t sound like a deal worth pursuing then no one knows what does.

Imagine just what you could do with a figure like 75 Pounds. It does not matter what the nature of your trip is. Whether it is of a business nature, for leisure reasons, or you simply want to visit family and friends, your Gatwick Airport Parking will prove handy.

If yours is a vacation trip, your savings could be directed towards more fun activity. If you like you can spend it on sampling local dishes. There is no better way to experience a location than to enjoy its local food.

A business traveller could use the discounts to reduce the expenditure of the business. If there are more than a few trips in a year the final figure can be significant. This gets even worse if there are more than a few company employees that need to make trips on the business bill.

Where can You Find Low Cost Gatwick Airport Parking Deals

Jumping from site to site in search of discount codes is not a practical method of getting them. There are just too many to consider and in the final analysis, the time you would spend may not be worth it. That is why discount sites exist. These gather the best offerings there are so that you simply point at what you want.

You can increase your chance at getting these if you can start your hunt way before your flight.

About the Author: If you want to read more articles about Gatwick Airport parking visit this page:



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Bay Area Day Spa Discover The Difference Between A Day Spa And A Medical Day Spa

Submitted by: V. E. Carbon

When looking for cosmetic treatments such as laser treatments and injectable cosmetic treatments, it is important to differentiate between medical and day spas. The difference lies in the supervision as well as the type of treatments offered. Medical spa treatments like MD Laser Spa located in the Bay Area of San Francisco, are administered and supervised by a medical doctor while treatments administered in a Bay Area Day Spa are not supervised by a doctor. Dr. Robert F. Gray is a dual board certified Facial Plastic Surgeon and has done over 10,000 surgeries.

Medical spas are a hybrid between leisure and medical care. Medical doctors in these spas have extensive knowledge and experience in the procedures and products that are provided for their patients. MD Laser Spa, serving the San Francisco Bay Area, offers a complete range of both non-surgical and surgical services for the face and body

Medical spas however, do not have as many amenities as a Bay Area day spa. You will not likely find massages or body wraps in a medical spa. You will however, find that many patients interested in laser treatment often choose medical spas. Here they can get various laser treatments for hair removal, photofacials, skin resurfacing and microdermabrasion. They can also get dermal filler injections and other treatments from medical doctors with vast experience and knowledge.

It is possible to find a good Bay Area Day Spa which offers a wide range of treatments including microdermabrasion and waxing for temporary hair removal. This is dependent on the ability and experience of the estheticians. However, medical spa staff receives more extensive training in such specialized procedures thus making a medical Bay Area day spa more suitable for these procedures. Only doctors or nurses under the supervision of a doctor can offer laser hair removal. Day Spas cannot offer lasers in their practice


The proximity of various medical day spas to plastic surgery clinics has played a major role in the establishment and popularity of these spas amongst patients as they are often used for recuperation and post treatment of patients.

Plastic surgeons use procedures such as microdermabrasion and skin resurfacing to maximize the results of cosmetic surgery. These can give the skin a healthy, vibrant, youthful glow which enhances your appearance

If you are in the Bay Area and you are looking for products to help you during recovery from cosmetic surgery you will most likely get these products in a medical Bay area day spa. These spas stock specialized creams, serums, sun blocks and cleansers required to maximize cosmetic treatment results. MD Laser Spa offers a wide variety of medical skin care products that are only available by prescription and, as such, are often much more effective and better than typical over the counter skin care products. Plus, Dr. Gray and his trained medical staff will use the latest technology to customize a skin care program tailored specifically to your individual skin care needs.

Laser skin treatment equipment is only available in medical spas and physician office. It is therefore beneficial to carry out research on the latest and best treatments available for your needs. For better satisfaction choose a spa with the state of the art technology. It would be wise to inquire about the experience and training of the staff that will be handling your procedure before signing up for your first session.

Dr. Gray has personally selected all of the lasers at MD Laser Spa and include only the Best of the Best. There is a reason that Dr. Gray and MD Laser Spa are in the top 1% of Botox practices in the United States and have been chosen the Best Medical Spa in the area year after year.

Regulations vary from state to state. This should be considered when making the choice between a medical day spa in the Bay Area and a Bay Area day spa. You may find that the doctor in the medical spa you choose will not be performing the procedure but only supervising it. In addition, the doctor may be trained in primary care or OB/Gyn and not an absolute expert in the Face. Dr. Gray is a dual-board certified and Fellowship-trained Facial Plastic Surgery with 19 years of experience.

Ask your doctor about his training and experience. Don’t be afraid to be thorough by asking questions.

About the Author: Live in the Bay Area and looking for a good Bay Area Day Spa ? Check out the best Pleasanton (medical) Bay Area Day Spa,

. or call (925) 846-2772.


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