Get A Headstart In Your Financial Planning Education 

School is always a good thing. The more knowledge you acquire, the better off you are. This goes without saying anymore. It's a given. This is why so many of us head off to college after high school, and then some off to graduate school after their bachelor's degree is complete. It's all about moving on up the totem pole. You're more desirable to companies if you have an awesome education. Then there are other reasons for acquiring knowledge. After all, no one ever said your college degree was only for getting a decent job. Hopefully you're able to apply it in everyday life as well. Take a financial planning education for example. This is a field that you might find beneficial to you and your family in the long run.

This is bizarre and a bit idiotic if I do say so myself. That last time I used my credit card, I kicked myself. And I mean literally. You see, I'm trying out this whole negative reinforcement thing. Anyway, the point is that we should try not to spend so much and start saving more.

Are you good with saving? Most of us are not. This is clear when I read the statistics on the average American and his/her debt. Not only are we not saving wisely, but we're spending money we don't even have.

Maybe what's in order is a financial planning education course. You can take such a thing in college. Hey, go ahead and do so if you can. A contemporary financial planning education course will help you down the road. Now, for all of you out there who have long past through the college scene, hope is not lost. You too have the ability to learn if you please. These days you can take a financial planning education course online. Maybe this is exactly what you need to do now. There's no point in procrastinating another few years. Hop on the web and see what it's all about.

It's crucial in this world to have a grip on your finances. You know how much income passes through your bank account. Therefore you should also know where you stand. Don't spend money you don't have. Instead, set aside as much as you can for the future. This is the prudent route to take, folks. And if it's feasible, go ahead and try a financial planning education course online.

First Finance Magazine provides readers with information regarding finance, money and related financial issues.

High Street Banks: 0, Independent Financial Advisors: 1

Believe it or not there are many business owners who have not heard of independent financial advisors. My neighbour, a successful businessman and multiple residential property owner, recently told me how he could not purchase a one million pound commercial property in East London because his bank would not agree to the loan. `I will have to save for a few my years before I can buy the space.' he sighed. `Even then my bank expects me to repay the loan in 15 years.' He had set his heart on owing the premises he worked from and after visiting his high street could see no way of preceding beyond continuing to lease.

If he had spoken to an independent financial advisor he would have realised that banks generally offer only a limited range of unsecured commercial loans and business mortgages. He certainly would have been surprised that there are over three hundred commercial mortgage lenders offering a range of great deals. Several lenders are currently offering commercial mortgages with only 15% deposit from £50,000 to £3,000,000 payable over 25 years at very competitive interest rates.

Among other services, commercial financial advisors will also be able to locate the best place for business banking (e.g. lower rates or no charge at all for writing cheques, debt factoring and leasing). They can also help with competitive insurance deals and generally offer alternatives for all of your commercial finance issues. Why? Because they have a choice about what financial products they can choose from. Where your bank typically has only a handful of commercial and residential loan alternatives, the Commercial financial advisor has thousands to choose from. Meaning that whatever your needs you are bound to find several options that suit your business needs.

I introduced my neighbour to three commercial advisors. One charged a one off fee of £150 to take him on. The other two offered their services without charge. He eventually decided to pay his £150 and is now in the final stages of completing the purchase of a £1,000.000 property in which he will base his business. Having spent a huge £300,000 on leases over 12 years with nothing to show for his money it at the end, the idea of finally owing an appreciating asset is a dream about to come true.

As the financial sector further evolves high street banks are finding themselves increasingly under pressure from smaller, more dynamic lenders. Increasing changes in the finance market mean many things, but most importantly established and new business owners have to pay very close attention to banking and finance as there is now greater choice and consequently greater savings than ever before. To help you through the changing financial market you need someone on your side: an officially regulated independent financial advisor.

If you have not done so already get in contact with an independent financial advisor specialising in commercial finance and get him or her to review all of your finances (personal and business). At the very least you should be able to reduce your commercial banking charges by hundreds of pounds if not thousands. In addition you just might even be able to move your business into the building of your dreams.

How to Choose a Financial Advisor

* The Consumer Credit Act 1974 requires most businesses that offer credit or lend money to consumers to be licensed by the Office of Fair Trading. Ask to see a license.

* Make sure the individual or company you choose is registered with the Financial Services Authority (FSA). The FSA maintains a central register of all IFA's in the UK which you can check.

* Ask your business associates if they can recommend any one. Asks for quotes and presentations. It is important that you can get on with your advisor as you will probably be with him or her for a while.

* Ask to see testimonials and references.

* Try to find out how much he or she knows about your business sector.

For reliable commercial finance advice, check out: http://www.eliteloans4u.co.uk/

Emmanuel Ohajah is a London based writer specializing in business, education and the online world

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