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In the last article titled 鈥淲hat are financial goals Wholesale James Van Riemsdyk Jersey , and what specifically are recurring goals?鈥?we covered some types of financial goals and specifically looked into the aspect of recurring goals.
While most of us have an idea of long-term financial goals in life, such as our own marriage, retirement, children鈥檚 higher studies, children鈥檚 marriage, down payment for a house or property, upgrading or purchasing a car Wholesale Scott Laughton Jersey , or setting up a business, very few of us have had the time to look at our short-term goals.
For those who are disciplined, we might have engaged a financial planner to draw up a financial plan. property investment advice,This would have detailed out and quantified the money that needed to be set aside for meeting our long-term goals, linked our existing investments to these goals to arrive at potential shortfalls, gold investment advice,and then created a plan of action to bridge those shortfalls. If we haven鈥檛 Wholesale Sean Couturier Jersey , perhaps it鈥檚 a good idea to get started now.
However, at the time of preparation of the financial plan, since we were primarily focussed on our long-term goals, financial advisor Bangalore, we would have ended up creating a financial plan to meet those goals only. financial planners in BangaloreOur monthly savings got allocated in the best possible way to ensure that these long-term goals are secured.
Let鈥檚 look at what can possibly go wrong with this approach.
Our first major goal was possibly our own marriage, and for those who had not planned their marriage expenses, financial advisors Bangalore Wholesale Travis Konecny Jersey , they had to perhaps take out a personal loan 鈥?either from family, friends or a bank. This was possibly a goal that we had planned for. But what about what came next? How many of us have planned for the expenses that came immediately after marriage? We had to go for our honeymoon, move into a bigger house and therefore pay the rent deposit, or buy fittings for the new house such as a refrigerator, TV, or washing machine?
A lot of money would have got used up for these unexpected expenses. Either you would have taken a hit on your monthly savings for a period of time, ended up selling some long-term investments to fund these expenses Wholesale Ivan Provorov Jersey , or worse, met these expenses by taking on a loan. Don鈥檛 you think your long-term goals would have suffered? Did you know that by withdrawing 1,00,000 from an investment which is targeted towards building a retirement fund over the next 20 years, the net effect on the retirement fund will be a staggering 6,70,000!
One would imagine that we would have to go through this exercise only once and hopefully learn from the mistake of not planning a short-term goal.
When we planned for our next big goal 鈥?expanding our family Wholesale Jakub Voracek Jersey , at best we would have planned for the delivery expenses. How about planning for subsequent expenses around motherhood? Later on, at the first birthday, there would have been a significant cost of celebrating the very first birthday.
The added expenses of nursery education, daycare, and a nanny at home all added up as our child started growing up.
Eventually, we did meet all of our short-term goals, one way or the other Wholesale Shayne Gostisbehere Jersey , but at what price? The sanctity of our long-term goals ended up being further jeopardized.
Plan for your short-term goals also. If these are not planned for, they can severely dent your budget and have a serious toll on your long-term goals. Remember it is not your long-term goals that are difficult to achieve or plan, your short-term goals can suddenly spring up and take you by surprise, and ruin your financial health and peace.
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A Social Networking Solution to Your Home Based Online Business ECommerce Articles | July 29 Wholesale Claude Giroux Jersey , 2008
Social networking is not just a way to connect with friends and meet new people; it can also be a lucrative business tool. Social networking allows you to advertise, network with others in yorr field as well as potential customers, and make valuable business contacts, all for free.


Copyright (c) 2008 Dock J Murphy


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