Phillip James Financial Announces Move to New Plymouth, MN Office

FOR IMMEDIATE RELEASE

(Plymouth, MN) After a long buildout process, Phillip James Financial is proud to announce their new location in Plymouth, MN. Across the street from the Plymouth Lifetime Fitness, the move is to the thriving central business district of the city. “This is a big change from when we first started,” stated company co-founder James Sexton, CPA. “We were really bootstrapping back in 2010, most of the work was done from the living room of my personal residence or a local coffee shop.”

The founders’ relationship goes all the way back to grade school. James Sexton, CPA and Phillip Christenson, CFA went to local schools St. Vincent De Paul and Totino Grace before parting ways to go to rival universities. “After graduation, we both knew we didn’t want to work the standard 9-5 jobs,” continued Sexton. “We both had an interest in finance and the stock market so a wealth management firm was a natural fit. And with my background in tax we added tax preparation and planning as a complementary service.”

The small company quickly grew out of the home-startup phase as demand for their brand of financial planning took hold. They spent the early years at downtown virtual office and then a smaller physical office, both of which they quickly outgrew. “There are not a lot of other financial advisors that do what we do,” states Phillip Christenson, CFA. “We are a Fiduciary for every one of our clients and our financial planning process is very comprehensive. Other firms can’t replicate this.” The move provides enough room for the two co-founders and their two employees with plenty of room for future growth.

The company’s services include financial planning with a focus on retirement income as well as tax preparation and planning. By combining these disciplines into the core of what Phillip James offers, clients are able to get investment and tax advice all in one place not only providing convenience but a better wealth management service. Christenson elaborated, “Our motto is Investing with Purpose. This is because we build our clients’ investment portfolios around their goals and specific situation. We aren’t just trying to get the best return possible but trying to give our clients the best chance of achieving their goals.”

Regardless if a client needs retirement planning or the other financial services, Phillip James Financial offers, the new office is touted as being the only fee-only wealth management company in the city of Plymouth and made the move due to the large amount of growth experienced in 2016. They recently celebrated this milestone with a ribbon cutting at their new office with the Mayor of Plymouth, Kelli Slavik, as well as other prominent Plymouth Officials. Family and friends were also in attendance.

ABOUT PHILLIP JAMES FINANCIAL

Phillip James Financial is an independent financial advisor. They provide fee-only financial planning and investment management company in Plymouth Minnesota.  They provide comprehensive financial planning, investment management, and tax preparation services all in one place. They are a Fiduciary, always acting in the client’s best interest. Phillip James Financial has been named “Best Fee-Only Financial Planner – MN” in 2016 and 2017 by Wealth & Finance International. The financial advisors at Phillip James Financial are paid based on a percentage of the assets that are managed by the company and are as low as 0.25%.

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The Best Advice About Cards I’ve Ever Written

Tips On Choosing A Mobile Payment Processing Company

It is good to note that mobile payments have increased over the recent years, and consumers enjoy being able to use new payment methods in any part of the world and this trend is bound to keep rising, and in some countries like America the payment methods are projected to double in the next half a decade. It is good to note that no matter the kind of business that the person runs it is a nice idea to have a mobile payment processing system set up that will cater to the demand of the service. The truth is that if a business owner wants to install such a system, it can be tough choosing which firm to settle on when there are so many payment processing companies in the market, but the tips below can help the person to choose a good mobile payment processing firm.

One of the issues to remember when selecting a mobile payment-processing company is the price involved, and various mobile payment providers structure their fees in different ways thus the person will need to examine which is the best fit for the business. Some payment processing companies charge a fee that is calculated based on the number of transactions processed in one month whereas other firms have monthly payment plans that they can choose from. Other financial processing companies charge a flat fee per transaction that is similar no matter the number of transactions processed during either this time that can be monthly or annually.

There are some merchant payment processors also charge a startup fee for setting up a new account and for setting their system with each customer’s point-of-sale machine and some firms expect clients to sign up to an annual contract and may even charge cancellation fees if the client ends the services before the 12 months are over Other firms offer a month-by-month service without any minimum transaction periods and some companies offer a range of extra charges that may include: cancellation costs, system integration costs if the person is changing from a point-of-sale system, fees for accessing customer support if the system has a problem and withdrawal fees for transferring balances to the business bank account.

The business person has to ask potential clients how long it will take the business to access the funds after the transactions have been processed and this can vary significantly from one provider to another and affect the cash flow. It is worth state that some payment processing firms may seem cheaper at first, but when the additional costs are factored in plus the time taken to deposit money at the bank, then they are not such a good option for the payment processing needs of the business.

A Simple Plan: Financing

Best Financial Planning Tips to Know Planning plays a good role in almost all aspects in your life and that includes your finances, for sure. Money can come and disappear in a moment without planning. It is through planning that you are able to budget and manage your finances in a proper manner. But how does financial planning go? Take a look at the tips below to know how to plan your finances. SAVE UP THROUGH YOUR RETIREMENT PROGRAM
If You Think You Get Services, Then This Might Change Your Mind
One thing that you should not ignore in financial planning is to maximize your retirement savings. Always consider the fact that your retirement savings will be among the most essential financial banks for you when you turn to age and lose your job. If you want to be highly useful and reliable, then you should improve it.
What Has Changed Recently With Financing?
ALLOCATE MONEY FOR INVESTMENTS Your interest towards your future and your condition during that time is reflected by your interest in financial planning. To make sure that you will have enough sources of income during that time, then you need to consider the idea of making investments. Although you are very much satisfied with your current salary and the potential of your retirement savings, you should also consider investments. They work even though you are not working on them. And in times to come, you will be surprised how they have grown and prepared good money for you. Only, you need to make sure that your investment is good and reliable. DO NOT MISS TO TAKE NOTICE ON YOUR ESTATE PLAN Estate planning is part of financial planning. As a person, it will also be your concern what will happen to your estate and to whom will it go when you are gone. Some people find it really challenging to do estate planning ahead and all on their own. That is the basic reason why there are what you call estate planners. They aid you in the process of planning for your estate. In addition to that, they help you see the bigger picture in estate planning, so that you gain understanding on what you do. DO PROPER MANAGEMENT ON YOUR DEBT Borrowing is actually a good opportunity to grab because it allows you to secure the finances you need at the time you need them. However, if left mismanaged, it can be a source of trouble in your life. Debt management is important. Not all borrowing opportunities are good, so be sure to determine which ones will offer you a good potential. Also consider making a plan on paying your debts. If not, it will be a great a problem.

Getting Down To Basics with Plans

The Importance of Finance Planning Any person has one way or another thought of when is the right time for them to retire. Finance planning is important when it comes to retirement and making sure that everything goes well. When it comes to these matters, it is always a must that you do some careful research first. Every single day, every single person gets to face different issues where they have to create an appropriate plan. It is not wise to only make plans at the last minute when things are too late. You should start doing things the moment you have already made plans. It is not a good practice to only carry on doing things the last minute. In due course, you will begin to realize the importance of planning everything properly with the aid of professionals and businesses that offer such services. Getting the best finance planning services is only made possible when you hire a reliable company. You are sure to find one by making sure that you do some extensive research first. You have to know that your monthly payments greatly depend on not only your income but also the plan that you have applied for. You have to remember how important it is to be able to manage your finances as you embark on this journey. You have to be wise in investing your money because this could lead to a better future for you. Basically, this implies that you need not rely solely on your monthly income because without it you can still support yourself as well as your family. How do you begin finance planning?
Discovering The Truth About Services
For finance planning, it is crucial that you already have a clear idea of the total amount of each of your assets. Usually, this is something that you should not make a mistake on. Your equipment, properties, and cars and all other things of value are considered your assets. It is vital that you are able to determine which of the many finance planning choices suit you best. You can check for this by browsing through online reviews being made by their previous and current clients.
5 Uses For Investments
You are sure to benefit a lot when you only choose the most suitable finance plans. Even so, never forget to take into account the taxes that you will have to pay. There is nothing to lose in finance plans if you specifically have an aspect of your income that is not taxable. Make sure to hire a finance planning service provider that caters to your particular needs as well as your expectations. Go for a service provider that is well-experienced as regards the business at hand. When you hire a reliable finance planning service provider, then you will also able to save most of your money and time. Just make sure that you keep yourself well informed before you start on your venture to get better results.

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Bad Credit Loans and Their Advantages

Have you been among many individuals who have credit issues? Bad credit rating is more common than you might imagine. Bad credit is nothing to be ashamed of as it sometimes happens in people’s lives. The good thing is that with some effort in your part you can better your credit.

One can be eligible for a bad car credit loan even if you have bad credit. if you are set to start shopping for a vehicle, there are several things to put into consideration. Do not take on a vehicle payment you know in your heart you cannot manage to repay. A bad credit auto loan can help rebuild your credit score so buying a vehicle you can only be harmful to your credit rating.

To be eligible for a bad vehicle credit, you will require to have a job or adequate income to cover your current bills, the loan payment that you take as well as the expense of maintaining and ensuring your vehicle. A constant and adequate income will go a long way in helping you get a bad credit car loan even with poor credit rating. The lender will need to know that you have been in your present job for at least a year , which may make your bad credit is overlooked by them thus raise possibilities of bad credit car loan approval. Make an effort to steadfastly maintain your address for some time since this can help to keep your bad credit aside and aid in approval of your loan.

Having a huge down payment will also aid in funding your brand-new car using a bad credit loan. Your payment will depend on the auto model you wish to buy. It might range from hundreds to thousands of dollars.

Attempting to finance an automobile through a credit union is advantageous. Application for loans in credit union is often more relaxed compared to finance companies as well as banks. The longer you have been a member in such unions, the better the chances of getting a positive response despite a negative credit rating.

Applying for your loan through a bank is another option. Should you have a history of getting a loan with that bank, they could nevertheless want to take a chance on regardless of your bad credit. If by any chance you have repaid your previous loan, they will consider giving you a bad credit car loan despite having a bad credit history with other finance companies and banks.

You might consider getting a co signer for your car loan. Although your cosigner might possess a good credit rating, they also have to meet all the criteria set by the credit union, bank or finance business.

Bad credit will indeed affect your bad credit car loan application, but you could investigate other possibilities. A large scale car seller can negotiate an automobile deal and maybe offer some finances. A finance company can also decide to give you the loan. The secret to getting the funding is to see a competitive finance manager that can give you a loan regardless of your bad credit hence rebuilding your credit rating.

Discovering The Truth About Merchants

Benefits of Using Mobile Credit Card Readers

An incredible number of smaller businesses don’t take credit cards since the terminals and merchant accounts could be costly, but fresh engineering might assist decrease the financial load. For firms that count on smartphones to conduct business, a mobile credit card reader is really a basic, affordable remedy which allows payments on the run.

Many businesses can reap the benefits of a mobile option but are worried about conference conformity specifications and security requirements; nevertheless, protected choices available on the market today can eliminate these concerns. Some great benefits of mobile credit card approval are so many to ignore.

It’s simple and affordable. After investing in a top quality mobile credit card reader and finishing a merchant account application, payments can be received almost instantly. Many provide an application together with a terminal that connects into smartphones. Ensure you select the one that is compatible across programs so that it may be used with all sorts of devices. Various devices provide varying payment, but the transaction charges usually are less than 3%, which makes it considerably cheaper than the usual standard in-office credit card reader.

It allows corporations to collect cash in a single easy swipe with the fast record of the transaction. The one thing worse than losing track of the checks, money or receipts, is a bounced check. With a mobile credit card reader, payments record quickly, so the firm gets finances faster rather than having to bother about cash-flow and whether the transaction is excellent. Once a transaction is finished, it simply emails or texts receipts straight from the smartphone.

Mobile credit card reader can benefit in developing the company’s customer base. By accepting cash, credit or check, the organization doesn’t have limitations on how it receives payments. Meaning customers may use the payment approach that they would like. Plus, it signals to the present clients that the company values their business and wants to provide improved flexibility and convenience.

It provides online records. This makes managing of records simpler than ever before by obtaining professional reports and frequent online statements free of charge with a merchant account.

It provides reliability to the company. This is very true especially for very small firms. Customers feel that the firms tend to be more established and secure when they accept credit cards.

This simple technology makes it possible for businesses to simplify their cooperation with customers. Nevertheless, to have the best card reader for individual enterprise requirements, pick a brand that provides transparency in order to avoid products that demand monthly or hidden charges. Additionally, pick a mobile credit-card reader that only charges for transactions the company makes, along with offering end-to-end encryption to protect the company’s and its particular clients’ data. Lastly, make certain that the credit card reader provides the wants of small businesses with a complete, professional business account.

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How Mobile Order Processing Boosts The Performance Of A restaurant

Smartphones were off the idea until recently when they are found everywhere, and everyone owns them. Majority of the population have access to these devices and the technology that has been used to make them is breathtaking. The primary users of smartphones are those ranging from 19-30 years old’s and which is the reason there is no doubt as to why using smartphones has become so popular. In the past, accepting credit cards on a mobile phone was almost impossible. Such kind of scenarios were inconvenient to people who worked in disciplines such as landscapers, hair stylists, janitorial service providers, trade show merchants and mobile food trucks.

Since the inception of the use of mobile order processing, many other companies have followed suit, and the industry has become large. With the number of smartphone users increasing daily, the number of people willing to use mobile devices to place orders will increase. More than half percentage of consumers agree that they would order take-out and delivery through their smartphones. With this upcoming trend, the situation of mobile order processing is likely to scale higher than before. The use of technology reduces the operational costs, and this makes a company grow because of fewer liabilities to tackle.

With the current situation of many orders taking place electronically, the amount of cash generated from this will be enormous. As time continues it is estimated that mobile ordering revenues will increase dramatically and with its populace, most customers have become aware of it. There are many positives that come out of mobile ordering. Some restaurants have discovered that mobile order processing is advantageous because many people place their orders as they find it convenient and accessible. There is a large customer base on the online platform, and as a business they should be your target. Having an ordering app can allow the clients to put forward their demands no matter the environment they are located in.

An application on the cell phone will make the client to easily make customized requests and fewer mistakes are made In the process. Less hassle is required in handling mobile card processing because it is easy to use and you do everything from where you are located. With every company making a transition to mobile ordering, it is certain that more advancements are going to be witnessed. The businesses that have not embraced this idea of online marketing must do it by providing an application for their customers. A mobile presence can bring more clients to your restaurant as long as they see your services.

The Best Advice About Loans I’ve Ever Written

Various Benefits Of Cash Advance Payday Loans The normal person has different financial needs and sometimes it becomes impossible to keep up with all of the required spending, but people could not make long term plans and can only organize their own budget. But most people could not make long term plans and would only organize their monthly budget and if something unexpected gets to come up then they could not get the money which they need. Some people would usually rely on the help of their family members and close friends, but this is not a good long term solution for their financial problems and it can also get to eat up on their savings too. One of the best solutions that people can do is to get a loan from a bank, but the problem with emergency spending is not that the amount of money but the short period of time to obtain the money. Obtaining a loan from a bank requires large amounts of paperwork and also long waiting times and if people require the money then they could not afford to wait for the money to be approved to be given to them. If people truly need financial assistance then they can choose payday cash advance loans are the best solution for them to have, they must make sure that they can find the right ones to get loans from. These cash advanced payday loans can be obtained more easily compared to bank loans and they are returned by the borrower when they get to receive the salary on the same month to pay the loan.
4 Lessons Learned: Funds
People don’t have to file big amounts of documents and then submit it to the bank and wait for their approval, the main condition to obtain these loans is to have a job where they can have a stable source of income. The amount of money that people would get to receive can be smaller compared to bank loans, but people can obtain them in as little as 24 hours that is the main point of their service in the first place.
4 Lessons Learned: Funds
The first and also most important benefits is that they can have the money in a short time, there are various situations where they would require this type of financial help for emergency situations in their own life. This certain kind of loan is that innovative and has assisted a big number of people to avoid certain types of problems, there are also some providers that can get to extend the pay back date of the loan to most lenders. If the salary of people can get to be delayed, they can still benefit from the extra help from those types of features which they can offer.

5 Key Takeaways on the Road to Dominating Resources

Importance of Using Binary Options Trading

What to know about binary options trading.

There will be two positions for investment with an asset price in using a binary options trading. If you want a great result for your investment, you have to make sure that the closing position will be accurately understood.

There will be two options, right? The most common will be the “high” option or the “low” option. Before making any prediction, you have to make sure that you have already started with the time duration agreement. And it is true that the price of the asset will have already been finished whether higher or lower and it have been set even before the trading even began. The trader will be expecting a fixed and accurate price. His price will end up in the right side of the starting price of course. And if the trader predicts the price wrongly, he will lose the amount that he invested before the trade was opened.

The benefits of binary options trading.

And if you have an understanding to using the binary options trading, you will have an easy way in buying and selling stocks, that is a fact.

Before any trader will be able to start his or her business, he or she have to spend and invest for stocks or assets, that is pretty important for a business owner. Before you can get the asset’s price, you will have to work on calculating the share price of each individual.

A trader or investor will get good return from selling the products that he has when the source of the product’s price has risen in price. And also it is common knowledge that the investor will lose money if he or she sells the product lesser than the price that he spend to buy them.

Investing is not easy, you have to make sure that you are able to get ample knowledge over his type of field. And also you have to have information about the financial markets function, this will be very vital to your role as an investor. You will have to have good information that will be accurate, you have to know the asset’s price movements so that you will get great results and huge return. You will have to focus on past, present and future situation of the asset that you have. Know the reason why it had price changes and also you have to know the asset’s standing in the near future, will it have a price hike or will it lower? This is because you have to know whether or not it will be a good investment. You have to make sure that you will gain good return from the investment and do not settle for an okay kind of investment.

Student Loan Help Info Has Advice for Rapidly Growing Cohort of Older Borrowers

FOR IMMEDIATE RELEASE

MADISON, S.D. — A recent report by the federal Government Accountability Office (GAO) highlighted how older borrowers now make up the fastest-growing group of those with student loan debt. With the size of this group having increased by a factor of four over just the last ten years, many Americans are facing challenges of unprecedented kinds. New resources online at detail effective ways by which older student loan recipients and others can lighten their debt burdens.

With many such helpful guides and other features online, Student Loan Help Info also offers free, no-obligation consultations to all. As keeping up with student loans becomes an increasingly pressing concern even to many not traditionally associated with this kind of borrowing, visitors to can count on plenty of useful information and advice.

“Like so many others, we read the recent GAO report on older student loan recipients with great interest,” a Student Loan Help Info representative stated, “Whether because of carrying student debt for decades after graduating or trying to help fund the education of their children, the number of Americans over the age of sixty who are responsible for student loans has exploded in recent years. For people only a few short years from retirement, that can raise a number of important questions. Social Security benefits can even be garnished should some older borrowers default, so staying on top of payments could hardly be more important.”

A December, 2016, report by the GAO found that well over 100,000 Americans past the age of 50 had been subject to garnishment of Social Security benefits as a result of defaulting on their student loan debts. With over $1.1 billion in payments already collected this way, less than a third of the money was used to pay down loan principal, with the rest instead counting against fees and interest.

As a top source of assistance for all those seeking help with their own debts, Student Loan Help Info maintains online resources that can be of great help to the increasing number of Americans in this and similar situations. A visit to the Student Loan Help Info website at will help bring any borrower up to speed with their options, from various loan forgiveness programs to debt consolidation. In addition, older Americans and all others with student loans to pay off are invited to get in touch for a free, no-obligation consultation with an experienced, informed Student Loan Help Info agent.

About Student Loan Help Info:
Offering free consultations, expert advice, and ongoing support, Student Loan Help Info helps borrowers take control of their debts and find the best possible way of moving forward.

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Black Masks: Reasons Why You Need to Apply a Face Mask

Face masks are one of women’s favorite skin care products, easy and simple to apply, fun and exciting to use and delivering great results. Face masks gives a feeling of tightened and tone skin even after a single use, so everyone should use a face mask for healthier and smoother skin. Using a face mask helps in addressing skin concerns and it’s a perfect skin treatment for having a well-hydrated the face, remove excess oils and helps in improving the appearance of skin pores. Face masks are an excellent medium for pulling out impurities, and wearing one can give a feeling of being pampered in a spa in the comfort of your own home. Both men and women are encouraged to use face masks, and for a healthy skin regimen, you can use it once a week or as needed depending on your type of your skin and skin care concerns.

The five major reasons why you need to apply face mask includes relaxation, deep cleansing, unclog pores, for a glowing skin and helps in your overall regimen. Usage of face masks can also uplift your spirit by stimulation of your senses as brought about by aromatic essential oils such as rosemary and mint. You can have your “me” time and a luxurious treatment, as you enjoy your face mask treatment by drawing a hot bath, lighting some candles, and letting the magic of the mask begin to work. Doing so will help you in relaxing your mind and spirit as you are wonderful sensory experience, while having a fabulous looking and healthy skin. The the cleansing process that a face mask provides can take to a whole new level, removing dirt, makeup, oil and impurities from the skin surface. Face masks are incredible as they provide deeper cleansing, much like having skin detoxification with noticeable results after first use. Face masks specifically black mask, contain bentonite clay for removal of skin dirt and absorption of excess oil. It also helps in removing dead skin cells build-up accumulating on your skin, thus unclogging pores. Clogged pores can cause bacterial infection causing acne, that may wreak havoc on your life for several days and weeks.

Usually face masks have a mint formulation for stimulating blood circulation, and when the face mask and harden, removing the face mask causes blood vessel expansion, and as a result, you having a more radiant glow and fresh appearance. Masking helps you achieve your skin goals faster by helping other skin products like lotions, creams or serums to be absorbed quicker and deeper. You may view our website for more skin health tips you can apply for yourself.What Research About Options Can Teach You

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Understanding Security

The Importance of Commercial Security Systems

You can never be sure of everything these days and so it is important that you have to make sure your business is protected from unscrupulous individuals out there by installing security systems. Prevention is not only for those unrighteous acts done outside your business but also to keep an eye to employees who are not doing their job properly or doing some unethical actions. It is essential that business establishments do this one so that the people are secured.

The primary advantage of installing security systems is that it helps you avoid any burglars, vandals, as well as those employees who are doing unethical acts, this way you can be assured and you will have a peace of mind. Installing a security system within your business premises will also allow you to keep an eye for those who are working honestly and diligently. With that being said, it is indeed vital to have commercial security systems in your business.

The alarms installed in business establishment nowadays will not just delve on alarms for burglars, fire alarms or other things. As of today the alarms will already allow you to spot the entry or exit of people within your business premises.
Short Course on Systems – What You Need To Know

Keep in mind that these alarms can also be set outside the business establishment wherein it records that things that is happening in the surrounding establishment. With this you can be assured that you are protected and if by any chance something bad happens you will be able to know who is responsible for it. Keep in mind that the security system can monitor your business round the clock or for daytime only or during night, the decision will depend on you.
Why not learn more about Businesses?

This will ensure your employees that even if they have night shifts they can be assured that they have a safe working environment thus allow them to be more productive. For instances wherein a fire outbreak takes place or an intrusion, you can immediately call the authorities to respond with the problem you have in your establishment.

This will definitely prove your employees peace of mind knowing the help can obtain right away.

With the advent of technological advancements people are now using commercial alarm systems that are highly advanced and were not use before. Installation of security systems will not only secured your business premises but also for your home, it also minimize the amount of insurance you will be paying, lessen the risk of any loss of physical assets and of course increase the efficiently of your employees.

As a business owner, it is your duty to make sure that each of your employees are safe and far from any unscrupulous acts. You can already search only for those trusted manufacturers of this security system.