Financial Freedom for Children – HCR Wealth Advisors

To help your children develop financial literacy, it is important for parents to teach and talk to kids about financial issues at an early age. Many parents and guardians are afraid of engaging their children in such talks as they think that the children will not be interested in financial topics.

But it can significantly help a child in adulthood if they get financial education early on in life. HCR Wealth Advisors is a registered advisory investment firm that recently published the following tips for parents on how to bring up and teach their children on matters concerning finances.

Tips on Educating Children About Finance

  1. Open a savings account: opening an account is the first step in teaching the child on how to save and use their cash. The children will need to know how to use debit cards. Opening an account while they are still young will also benefit your children because they will understand how a bank operates at an early age.
  2. Show them investment basics: children who are taught about investments at an early age are better informed. When they become adults, they are able to invest in bonds and stocks helping them increase their net worth as they make money.
  3. Teach them how to make a budget: after teaching them how to save by opening them a bank account, it is now time to learn how to make a budget. Teach them to keep a list of their expenses and income to help them understand about making a budget.

HCR Wealth Advisors was established in 1988 to provide financial advice and planning to help its clients reach their financial goals. Ever since its foundation, HCR Wealth Advisors has worked to understand its clients’ financial situations as the firm develops personalized financial solutions to help those clients meet their needs, regardless of their financial situation.  HCR Wealth Advisors believes that its customers come first and the team strives to build a strong relationship with their clients. The financial organization has experienced staff who are there to help its clients. (Reference: Financial Service Directory)

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HCR Wealth Advisors: Importance of Investing Young

Parents should teach their children how to save and invest at a very young age. It would help children develop their financial literacy and prepare them for the future. Some parents say that their children might not be interested in topics related to finances, but HCR Wealth Advisors disagrees with this statement. The firm believes that it would be better for children if they are exposed at an early age as to how the financial sector works. Parents could make the activity interesting to their children, leaving them with a win-win situation after their kids have picked up the importance of managing their finances.

The first tip tells the parents to give their children an allowance for every household chore that they finish. It is a good example of how to teach the children that they would have to work for the money, and it would not be given to them for free. Children would become more interested in doing household chores if they realized that they could earn big just by helping out with the workload at home. The team at HCR Wealth Advisors suggests that this helps children maintain a good work ethic and a positive view on earning money going into adulthood.

The next tip encourages parents to teach their children how to budget. Once an allowance has been earned by their child, they can start to budget. Start by balancing the children’s income with what they want to buy and make sure to explain the difference between necessities and luxuries when it comes to spending. This helps the children learn to prioritize the important expenses before focusing on fun things to buy.

One more tip is to take the children to the bank and open a savings account with them. Children are naturally competitive, and if they see the progress on their bank accounts, chances are, they will do everything to gain more money. If the child has enough experience in saving their money in the bank, the parents could go ahead with the next step and tell them more about investing. Parents could give their children a choice as to which stock they would have to invest in and have them wait and watch how the stock prices fluctuate.

HCR Wealth Advisors is a registered investment advisory firm that provides investment advice and helps parents and children educate themselves on investment strategy. HCR Wealth Advisors employs experienced professionals who are willing to assist with financial goals, especially by developing a strategy to help clients reach these goals.

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HCR Wealth Advisors is not affiliated with this website.

The Amazing Truth About Freedom Checks

Freedom Checks is a term that was introduced by Matt Badialia which literally means investing in the Master Limited Partnerships (MLP). It is a unique company structure that pays its investors every month or quarterly returns on their investments.

How Matt Badialia discovered freedom checks

Matt came across these exceptional investments during his term as a celebrated financial professional on a project that obliged him to travel across the sphere. He worked with different mining and Oil Chief Executive Officers of different companies in order to get equipped with the most recent technologies, innovations and developments. It is during this time that he came across MLPs, a group of 568 companies that could issue freedom checks. These companies pays out its investors at least 90% of their income and those payments is what Matt referred to as Freedom Checks. Visit the website to learn more.

The amounts distributed are treated as return of capital, instead of income and therefore no income taxes imposed on them. However, if any investor wishes to sell their MLP investment, the profit realized on the sale is taxed but only at the lower capital gains rate and not the personal income rate. This highly offers additional tax benefits to the investors since the higher personal income tax is evaded.

How to make the investment

Making the investments is an easy task. Just as in Google or Apple, investors buy shares according to their abilities. They are thus able to receive distribution checks either through the mail or the funds can directly be deposited into their brokerage accounts. Any interested investor may get started anytime even with a small amount of money since of some of the MLPs trade for less than $10.

Major investors of freedom checks

These checks are not a government program just like the social security or Medicare as some people think they are. They are larger than the average monthly social security payments by three or even four times. When collecting the freedom checks, no any income or age restrictions imposed to the investors. Matt says that the top investors make approximately $10,000, $25,000 and $ 50,000 every month from their freedom checks. Of course it is unbelievable how people are able to collect these large payments oftenly but it is a sure deal.

From the kind of benefits accrued to this investment, everyone would wish to make an attempt of trying their luck in them. The checks are such a great deal that can change any investors, they even pays out two to three times to the investors more than most conservative investments.

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Glasgow-Based Fertility Doctor Jim Toner Helps Others

The point of becoming a fertility doctor was helping people who needed his help. Jim Toner knew this and also knew what it meant to work in this industry. For years, he spent time learning about fertility and the way the body affects fertility. He also tried showing people there were things that would help them through different opportunities. Jim Toner knew what it was like to help people and knew what it meant to give everyone a chance at a better life through the fertility options they had. No matter what Jim Toner did, he focused on helping people and giving back to them when they needed it the most. Fertility treatments aren’t always easy for people to deal with so Jim Toner does what he can to help them make things easier. He also tries showing people what they can do to get more from the treatments he has to offer.

There were times when Jim Toner focused on giving people what they wanted. His focus stays on people who need it and on people who want to make the right choices for a better future. Even though Jim Toner knew what it meant to give them the right fertility treatments, he wanted to do it the right way. As long as he knew how helping people was giving back, he could continue making a strong connection with all of them. If he did this, people saw the way he offered new opportunities and the way he pushed forward to make things easier for all the people he worked with.

Even though there were times when Jim Toner had to make things better for others, he spent time trying to have the best bedside manner possible. He showed others the things they could use and the treatments they deserved so they could get more from the experiences. He didn’t want anyone to have to worry about where he was going or what he was doing with treatments because that could make things harder on everyone. It’s his goal to give people the chances they need for success no matter what.

While there was a time where Jim Toner put things into new options for others, he felt confident in everything he offered his patients. There were times when Jim Toner had to make difficult decisions, but it all went back to helping his clients. For Jim Toner to do these things, there were other opportunities for people. There were also things that made it easy for people to try them. By using new opportunities along with his dedication to helping people, Jim Toner knows what it takes to offer new options for people who struggle with fertility treatments. For appointments, visit