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Re: Financial Advice for Dancers from a Financial Advisor
^^^ for the purposes of this thread at least, Stuart has been providing his financial perspective totally free of charge, as others have done in other threads ...
As stated in multiple places in Dollar Den, any financial, legal, tax, or other advice volunteered by posters should not be considered as 'definitive' 'professional' advice - rather it should be considered as helpful commentary only.
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Re: Financial Advice for Dancers from a Financial Advisor
Hi,
If only it were as simple as what car we all drive ... Me, I don't even own a car!! I get to walk to and from work through a wonderful, manicured, royal park each day. I pity the guys and girls in a traffic jam.
Re the quals, I have to be honest and say that it's difficult to tell if CFA is worth having. I looked into sitting it, but much of the info you study relates to stock analysis. That's all great, but I can buy the info for $50 per month online. So alas, even the quals aren't a perfect guide.
You'll find that financial planning is more about a relationship and an understanding of your exact needs and situation. Believe it or not, it isn't all about returns!!! Mostly, though...
Stuart
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Re: Financial Advice for Dancers from a Financial Advisor
Quote:
Originally Posted by Yekhefah
I pay a third of my income in taxes here in California. I don't get health insurance for it, the roads are in such disrepair that my tires wear out twice as quickly, I can't afford my own apartment (even a studio), and our public school district has a 43% graduation rate.
So where does the money go? As far as I can tell, much of it goes to ensuring that illegal aliens have unlimited access to free healthcare and other amenities that I, as a citizen, am forced to go without.
It's enough to make you head for the nearest bell tower and start shooting.
Preach it sister! Preach it!
I moved out of California. I doubt I will ever work there again.
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Re: Financial Advice for Dancers from a Financial Advisor
The post above about cars got me thinking. I know that the US is much more money / title / job orientated and in Europe we are more touchy-feely sorts so I thought I'd add this, since it's my thread and you'll all get to know a teeny bit more about me. So ...
Nothing to do with finance this, just thought I'd make you all feel a little jealous of me!! I live about 500meters from the photos below and get to walk through this every day to and from work. Ain't life grand? Kinda makes money seem pretty dull in comparison.
http://www.ecli.net/rbc/jardiparc/jpg/100500.jpg
http://www.brussels-belgium-guide.co...uantenaire.jpg
http://images.google.be/imgres?imgur...lr%3D%26sa%3DN
But please, lets not let this descend into who lives where thread. I have more to write and say about money. Just need time right now.
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Re: Financial Advice for Dancers from a Financial Advisor
Quote:
Originally Posted by StuartL
The post above about cars got me thinking. I know that the US is much more money / title / job orientated and in Europe we are more touchy-feely sorts so I thought I'd add this, since it's my thread and you'll all get to know a teeny bit more about me. So ...
Nothing to do with finance this, just thought I'd make you all feel a little jealous of me!! I live about 500meters from the photos below and get to walk through this every day to and from work. Ain't life grand? Kinda makes money seem pretty dull in comparison.
But please, lets not let this descend into who lives where thread. I have more to write and say about money. Just need time right now.
Looks like that place needs some more parking spaces. ;D Pave that grass over!
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Re: Financial Advice for Dancers from a Financial Advisor
Just wanted to put this little gem of financial wisdom somewhere it won't disappear (as such)
Quote:
....
The reality is though, what might happen tomorrow is an opinion, whereas what
the market is doing at the moment is a fact. And while it's wise to consider
what may happen next week, month and year, you can only invest for today.
.....
Quote courtesy of Steve McKnight - http://www.propertyinvesting.com/forum
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Re: Financial Advice for Dancers from a Financial Advisor
I'm adding a couple of links below. They are articles I wrote some time ago as a 'Beginners Guide To Investing'. It was planned to be a three part series, but so far I have only managed two...
I posted these on a couple of the sites where I get my articles up occassionally and my sites received something in the order of ten times as many hits from readers of them as usual, so I guess they were ok.
I hope you enjoy them both:
http://www.stockexchangesecrets.com/...ginners-1.html
http://www.stockexchangesecrets.com/...beginners.html
If you are going into the markets ... Good Luck!
Stuart
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Re: Financial Advice for Dancers from a Financial Advisor
Hello everyone,
I'm going to ask a somewhat rhetorical question here if I may, but I mean it genuinely... there is no need to answer, it's just something to think about.
When I first offered to post on here with some financial bits and bobs, Melonie suggested that I have a look around and see what financial topics interest you all and how 'sophisticated' you all are.
What has astounded me, is just how many potential income sources an attractive girl has!! It's amazing, it really is.
How come you aren't all millionaires by the time you are aged 30?
Dancing, competitions, escorting, calendars, modelling, websites, phone lines, different types of porn and on and on.
I appreciate that there are only so many hours in the day and that some of the things I list above won't be for everyone, but still, if you have a mind to, you could work 24 hours each day for months on end. And get paid in cash!!!!!!!!
You are in a very fortunate position - I really don't think you all realise how lucky you are.
I have been trying to add extra income to my life by doing work online, and it is just starting to show small rewards. If it really takes off, I will need to quit being a financial adviser because the law in Europe makes it very difficult to be an adviser and write about the topic too. You ladies don't have the problems of restrictive legislation to bother you. I'm very jealous.
Do you employ bookings agents / managers to help you save time and work more? I know that the web enables buyer to meet seller (or photographer to meet model) with less need for middle men, but it all takes time.
I've got to say that if I had the earning power that you do, coupled with my knowledge of marketing, finance, tax, investment and business, I'd have an income that would make Donald Trump blush. Alas, my skills around a pole and ability to wear high heels, a g-string and dance are pretty limited, so I can't.
So instead I'm just going to offer a thought or two. When I / most people think about dancers, thoughts like 'its a business to them' spring to mind. I have read a number of posts on this site where girls talk about their 'business'. Fair enough.
However, I wonder whether you really have treated your skills and talents (and looks) as a business. I am convinced that there is room for massive increases in income for you all. Why? Simply because there are so many opportunities that you cannot be going after that many.
As independent business people, I wonder just how many of you have studied business or finance in any way. Can you imagine the difference it might make to your income if you did a little reading and put into practice a couple of the ideas you had?
As I said, it's just something to think about.
Best wishes,
Stuart
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Re: Financial Advice for Dancers from a Financial Advisor
Shameless plug...
Having put up that last post, I have been thinking about following it up for an hour or so.
About six months ago, maybe eight, I found two US clients that I could help as a marketing consultant online. They both write monthly financial newsletters. Something I know a little about and (as it happens) I have read quite a bit of their work and liked their individual styles.
Initially it went well. I rewrote their websites and vastly improved their copy. Results looked encouraging. Then one at a time, two weeks apart from each other, they told me to literally F*** off! If I wanted to get paid, I'd need to take them to court. Both live and work in the USA. Both actually in Texas. I had loads of other ideas to improve their sites and make money, but they had improved and were happy with that.
Not being in the USA, I don't really want to go to court in America to try and reclaim money. I knew it was a gamble. It isn't worth the aggro to me. I have had to do that in the UK to someone who stole from both me and my business (a former partner!) and it's a real pain. I don't want it again, and especially not on the other side of the world.
However, I'm sure I can do good things to a site online. My own site incomes are increasing all the time. Happily.
So in the spirit of the above post, if you have a website, I'll be happy to help you with the online marketing. Or we might come to another arrangement where I build a site to feed visitors to you.
Here are the things I need satisfied to want to help you:
1, The site is already up and fully functioning. You have a techie guy who does your programming. You also have some customers and visitors.
2, The site sells something that is sold online only. You have a product. Not 'call me if you want to hire me for glamour work', but a potentially mass market product. A members only site is preferred.
3, You are based in Europe. If you are in Europe and run off with my money I can find you ... ideally you'll be in the UK.
4, You don't mind signing a contract. I want to be paid for performance. If I improve the income and profitability of the site, I'd like to earn a % of that increase.
5, You have no plans to screw me over. I am not pleasant to people that owe me money. It's an inbuilt charachter flaw.
6, You won't be upset at earning a lot of money. That is what I plan to do.
7, You have enough funds available for reasonable site expansion if required and to test a few ideas out without being left destitute.
If you read that and fit the bill totally or mostly and want to get in touch, please do so. I presume that you can message me via this site. We can chat about it. I'll take a look at your site and see if I can help and then we can go from there.
I must say that I personally think that 'porn' online is wide open as a market. I know you will disagree. However, I am building investment related sites. There are about half as many people search google each month for investment matters than search for porn. There are also about twice as many investment sites than porn sites!! Plus, everyone expects to pay for porn sooner or later. People always want up to date investment advice but the majority want it for free.
I'll do more finance posts in future. Apologies for the sales pitch...
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Re: Financial Advice for Dancers from a Financial Advisor
Stuart, not being in the USA you're probably not aware of two significant changes which have recently poured cold water on the internet adult entertainment opportunities for US girls ...
The first is that the search engine paradigm has changed so much that today about the only way that a reasonably high search engine listing for a particular adult website is via paid placement. This gives a huge advantage to 'corporate' adult websites who can afford to pony up tens of thousands in 'front money' to secure prominent search engine placement before that website starts drawing major traffic thus generating major profits. Without paid search engine placement, it's becoming harder and harder for a small website to make itself known on the net. But with 'corporate' adult website participation they siphon off up to 50% of gross revenues.
The second is the infamous Tracy Lords Law, which is now being 'selectively' enforced. This law basically requires all 'adult product' being marketed in the USA to provide proof of age/identity of their models/actresses. In the case of still pics, this means a girl agrees to add her real name, address, SS# and age to the webmaster's database, which is then available for disclosure to any 'authorized' law enforcement agent ... which I suppose ranges from the IRS to Homeland Security to local cops. In the case of streaming video/webcam, this means that the girl most post her real name, address, SS# and age right on her webcam page which can be viewed by anybody with internet access ! The potential penalties for not complying with the Tracy Lords Law is a US Federal Felony Child Pornography charge, which can create a stigma which might follow a girl for life even if the charge is ultimately reduced or dismissed. This was the primary reason that I shut down my own pay website last year, as I deemed the risks no longer worth the reward. So far an unresolved question in regard to your suggestion is whether or not adult content from servers located outside the USA and operated by a webmaster who is not located in the US, which is therefore not under the jurisdiction of the Tracy Lords Law (a.k.a. section 2257), will continue to be permitted to market product to US customers through the US internet backbone.
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Re: Financial Advice for Dancers from a Financial Advisor
I like the Old Industrys,,,,Railroads,Phone Companys, Mannufacturers,Utilitys,,,Mining,,
Seems like i have been right as they are now uot perfing the market...am I too late to buy more or should i wait?
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Re: Financial Advice for Dancers from a Financial Advisor
From my newsletter for June 06 - I figure it has application to almost anyone...
How To Sell A House For The Best Price Possible
I thought I'd go a little off topic and discuss property sales this month.
The title to this article is a brave statement to make, but if you think you will ever need to sell a house in the future, you should save this message and ensure that you keep it in a safe place for future reference.
The inspiration for this hit me a few weeks ago whilst reading. Specifically, I was reading 'Freakonomics' which seems to be available on pretty much every bookshop shelf I have passed in the last two months.
What I am about to discuss is covered, in part, in the book. I recommend that you go and buy a copy, it is an excellent and very interesting read and covers many unusual subjects.
Those that know me will know that I used to work as a financial / mortgage adviser in the UK. For around three and a half years I was based in the offices of two estate agency chains. This means that I have been involved in various ways in a few hundred property transactions and chains and as you might imagine, when it comes to property sales, I have seen much of what there is to see. Good and bad.
This little nugget is something that I personally used myself to help achieve a fabulous sales price for my own flat and have since passed on to around a dozen or so clients who were struggling to sell property. People are always amazed that this works, yet it does every time.
Incentive is a wonderful thing!
Here is the thing ... you contact an estate agent to sell your home. He or she offers a market valuation and a price for their efforts in selling. Depending upon where you are will depend upon how big that slice happens to be. In the UK, between 1% and 2% is common. I have heard that in Spain, anywhere between 5% and 10% is likely!
(As an aside, I have always been a little amazed that an industry as vital to national wealth as a property market is so badly regulated. Badly regulated? Pah! Travel around Europe and you will soon realise that most property markets are actually disorganised, hit and miss affairs with seemingly little realisation as to their importance.)
Back to the plot.
Of your contracted fee, only a small amount actually goes to the estate agent you meet and deal with. The rest will be used towards office running costs, advertising and marketing expenses, management and administration wages, travel expenses and on and on.
What this means is that your agent actually has very little interest in the price obtained for your property and is instead focused on getting any deal likely to complete at any reasonable price. If the agent were to obtain for you an extra £5,000 in sales price, his 'cut' of that extra money might only be £25, probably less. This means that the interests of you and your agent are not really all that closely aligned.
Of this notional extra £5,000, you (the owner) will receive the lions share. The agency will receive a small amount (perhaps £50 to £100) and the actual agent will receive the cost of a haircut. I ought to add that this presumes you sign a variable deal with the agent and that the haircut is pretty inexpensive! If you sign a 'fixed fee' contract then your best interests and your agent's best interests really are not aligned at all.
Fixed fee agents are usually at the lower end of the price range. They will offer to sell your house for £699 or whatever. Whilst it seems like a bargain because, 'they all do the same job' it rarely represents value for money. Whilst you might have saved a few hundred by using a cheap fee agent, you could easily be missing out on thousands because the agent accepted (or more likely convinced you to accept) the first reasonable offer available.
If your agent was motivated to truly accept the best offer possible, he or she would have likely held out for a better price and, bluntly, tried harder. However, for a fixed fee operator, all houses are the same (in monetary value) to them so why worry?
If you are unable to sell your house and can't decide what to do about it, here is the silver bullet.
Go to your agent, offer a cash amount to the person that actually sells the property of a few hundred pounds / euros / dollars if they achieve the full asking price. Perhaps throw in a bottle of champagne too. Tell them that you will pay as soon as the property transaction completes.
As if by magic, your property which has been sitting stagnantly on the agents books for several weeks will suddenly attract a flurry of viewers and probably an offer or two. Action and interest will be created where before there was none!
As I said earlier, 'Incentive is a wonderful thing!'
Make sure to pay up, you never know when you will need them again.
Another variation on this theme is to pay a larger fee to the selling agent relative to price. For example, if the property achieves £200,000 I will pay a bonus of £200, for £205,000 I will pay £225 and for £208,000 the bonus rises to £250. I'm sure you see where this is going.
All this actually does is to ensure that the person doing the work is as motivated to do the work you need as you are to see it done. As I said, I have made this suggestion to around 15 clients and I think a dozen have followed my advice. This little trick never fails!
Whilst this may amaze you, think about this ... if as I mentioned earlier, the selling agent receives a small amount of the fee earned for selling your property, he or she will need to sell quite a few to actually earn a living. I have no doubt that this differs from place to place, but in the UK for example, the average employed estate agent will be trying to sell eight properties per month.
Those eight may pay a total commission of between £600 and £1,000 to the individual (employed) agent. If you just offered an extra £250 for making and arranging just one sale, how important do you think your house just became in his or her world? Correct! You and your property are now the centre of your agent's world.
Next time you need to sell a property, give it a try. Learn for yourself the amazing power of a bonus as incentive.
Best wishes,
Stuart
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Re: Financial Advice for Dancers from a Financial Advisor
Stuart... in your original post you addressed career dancers... so what would be your advise for those dancing to get through college?
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Re: Financial Advice for Dancers from a Financial Advisor
Quote:
Originally Posted by Yekhefah
I pay a third of my income in taxes here in California. I don't get health insurance for it, the roads are in such disrepair that my tires wear out twice as quickly, I can't afford my own apartment (even a studio), and our public school district has a 43% graduation rate.
So where does the money go? As far as I can tell, much of it goes to ensuring that illegal aliens have unlimited access to free healthcare and other amenities that I, as a citizen, am forced to go without.
It's enough to make you head for the nearest bell tower and start shooting.
Hallelujah to that, doll! It's true. I could not have said it any better. I'm just super lucky that my ex pays for my health insurance right now. He's good like that.
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Re: Financial Advice for Dancers from a Financial Advisor
From my newsletter this month. I hope it is of interest.
Best wishes.
Portfolio Management and Asset Allocation For Individuals
I thought I might spend a little time over the next few months explaining some of the lesser known points about how a fund is managed. There are reasons for this.
In my day to day work, I keep speaking to clients to whom investment is only considered in terms of return. In some ways, they are quite right to think so. After all, the point is to make money, right?
Well, yes and no. As I am sure you are aware, there are different types of asset which have risk levels at the very low end or ultra high ends of the scale. As you know, government bonds from Canada and shares traded in Hong Kong are not alike. In such decisions, risk and return need to be somehow balanced. There are, of course, other decisions too, some of which will be discussed in a moment.
But in these regards, I find people think of investment management to be overly simplistic. It would almost be akin to saying that tennis is just about 'hitting a ball'. Quite clearly this is true, but there is so much more to it than that.
Therefore, I am going to start with a discussion relating to how fund objectives and constraints can influence the decisions taken by a fund manager. It will be up to you to relate that back to your own situation.
Any, and probably, every fund has a document which lays down aims and objectives. Think of this as a terms of reference if you like. This may be a trust document, partnership agreement or contract between stakeholder and fund manager (this might relate to the contracting out of the fund management tasks by a company pension scheme, for example).
This document will usually lay down exactly what types of investment may be selected. A collective investment that specialises in Japanese small companies will have a set of defined terms which describe the types of investment to be found. This might relate to the class of share to be owned, the market the firm is quoted on, the size of the company, the number of years the firm has been trading or quoted for and much, much more.
On the other hand, a defined benefit pension scheme will be aiming to cover projected liabilities. Some of these liabilities will be short or medium term whilst others might be for the very long term (30 or more years away). Balancing this, as you might imagine, takes more than a little skill.
Therefore, two key types of objective exist. They are to maximise returns or to match projected liabilities.
The owners of the funds (stakeholders) will only be willing to accept certain amounts of risk in achieving these aims. The more risk averse a fund is, the lower the levels of risk that will be allowed and thus the potential for high returns will likely be diminished.
This will, of course, make it very difficult for the layman to compare like with like. Seeing that fund A has returned 18% in the course of a year, whilst fund B has produced just 9% seems like an easy comparison to make. One is simply better than the other. In my experience, this is how the public at large view investment results.
Fund complexity and communication issues lead to problems of comprehension by the public and fund investors. Bob Smith and Bill Smith, when chatting about their pensions over a beer are rarely going to consult the terms of reference of their funds to understand why they produced such different results.
I have no doubt that this is why there is often such suspicion of the fund management industry as a whole. Men in stripy suits with Gordon Gecko like red braces controlling the world, badly with greed being their only motive. They spend all day shouting 'Buy' and 'Sell', 'Greed is good' and 'Lunch is for wimps!'.
Sorry. I digress.
The objective of obtaining returns and risk tolerance is dependent upon a number of portfolio constraints. These are:
Liquidity Needs
Cash or assets that are near cash will be needed to cover everyday running costs, payments out of the fund and to respond to potential unexpected changes in circumstance. Investments held in a fixed income form usually give easier access to cash if required.
Time Horizon
The longer the time horizon of the fund, the more risk that it can tolerate. A pension fund with 'younger' members generally can allocate more assets to longer term and higher risk assets such as commercial property and equities. A fund with a high proportion of 'older' members (and therefore a shorter average duration of liabilities) must allocate using lower risk assets, such as fixed income investments with a duration that closely matches the liabilities.
Taxation
A fund's tax status will influence the return objective and make some types of asset less desirable than others. Funds with a 'gross' status, charities for example, will avoid any tax free investments as these will usually trade at a premium in the market. This premium would provide no extra benefit to a tax free fund.
Legal and Regulatory
These issues must be borne in mind when constructing the fund.
Ethical
The last decade has seen widespread approval of different forms of socially responsible investing. The various 'shades' of green will either include or exclude certain types of industry or company.
Issues such as these are vital for most investors. Yet amazingly, most investors are unaware of much of the real skill in the game. In investment, learning to assess risk and predict the future are almost everything. Sure, if we could predict the future we'd all be zillionaires. Well, Warren Buffett has learned to predict the future and assess risk and he is pretty wealthy. Should this tell us anything?
To subscribe to my monthly newsletter, I have a separate website established. On this site is a webform connected to my mailing list. The webform contains a few questions about you the subscriber. Some are obvious: name, email address, country of residence but there are a few investment related questions too.
As an aside, I had a new subscriber a few weeks ago answer that her country of residence is the 'Land of the flying fish'. I have no idea who or where this person is, but it is officially my favourite answer. Wonderfully creative.
I haven't done an exact survey of the responses, but I reckon that about 50% of new subscribers contradict themselves with their answers. I'm not saying that there is anything wrong with that, just that it highlights some unusual things. Or, perhaps it highlights that I'm no good at asking worthwhile questions!
Most people class themselves as 'a beginner' but about one third also class themselves as 'a trader'. Trading isn't for beginners. Most people that are traders, also view themselves as being 'cautious'. Trading isn't cautious either.
I guess that this relates to my comments above that the investment industry has some communication issues. I presume that if every time someone bought a book about trading the markets and the book said in big letters on the front cover that 'Trading May Harm Your Wealth', sales would be slow. I'm thinking now about the kind of bold health warning that adorns every packet of cigarette's.
Instead, we live in a world where (quite rightly) finance is regulated. This means that rather than have a warning that people understand, is catchy and memorable, financial services documents have warnings in small print that cover 19 lines of text and are full of legalese. These are impenetrable to many inside finance.
Perhaps this all relates to human nature more than other factors. We would all like to be wealthy. We would all like to make 'easy' profits in the market with little time spent and effort expended. Ideally, we would like to be sat on a beach in Hawaii at the time. Drinking a cocktail. Just like Fox Mulder, we want to believe.
However, if as individuals we plan to manage our own money, or understand how other people manage it for us, we need to get to grips with quite a few issues. We need to understand what we (or our fund) is trying to do. Is it the right fund for us? Does it's objectives match ours? Just 'doing well' is clearly not enough. Does it take risks that we would be unhappy with if we understood it more clearly?
Damn! You mean we have to do stuff? No beach? No cocktails? No 'easy' profits?
If you need the money back in a year or so, do look for a bond fund, do not use a hedge fund. Sounds simple and obvious, but you'd really be surprised.
I say these things because you have overall choice in asset allocation. Not a fund manager, not a financial adviser. It is your money. The list of factors above may be specifically related to how a fund manager operates, but in reality, you should be thinking about similar topics when you make your own investment decisions.
What are you trying to achieve? To maximise returns or to match your projected liabilities?
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Re: Financial Advice for Dancers from a Financial Advisor
Re the above ... do those dancing to get through college really need financial advice?
I was under the impression (perhaps mistakenly) that the point was to earn enough to live and pay for tuition fees to prevent you from being in massive debt for the next 15 years. If that is the case, what advice do you need? You'll already be $30,000 + better off compared to other college leavers when you graduate.
Perhaps I am being simplistic, if so, I apologise for my flippancy. But, as I can tell most 20 year olds aren't worried much about money. If you are obtaining an asset (the degree) when your peers are going to pay for the same asset for years to come, what sort of advice do you need?
If you are college age, just work, study and enjoy. If in doubt, repeat.
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Re: Financial Advice for Dancers from a Financial Advisor
If I can chip in to troublemaker...
--don't let work cut into your schoolwork. Figure out how much money you need per month and work enough to make it, but also work little enough to spend time with friends and have adventures (the things that college is about!) My senior year I worked 2x/wk (Tuesday and Thursdays) and 2 weekends a month. If you can work more, great!
--stripping during school gives you the opportunity to work within your career field of interest without worrying about pay. It's the PERFECT time to explore unpaid internships, research projects, and anything else that will really advance you, give you experience on your resume, and prepare you for other projects after school is over and if you want to retire from dancing at 22. :)
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Re: Financial Advice for Dancers from a Financial Advisor
If a dancer actually has total financial discipline, the approach with the best 'bang for the buck' is to dance full time right out of high school and up to your mid to late twenties. While dancing full time, bank and invest every dollar that you can. Then at age 28 or whatever, you can quit dancing and simply go to college full time. Your 10 years worth of savings and investments, thanks to the power of compound interest, will provide you not only the tuition money but also some very handy interest and dividend payments to cover ongoing expenses while you are a full time student. Then at age 32 or whatever, with your fresh degree in hand, with X thousand dollars per year in passive income from your nest egg, and with zero debt, you can pursue whatever career options you like.
Unfortunately, the risk factor with this plan is that the girl will not have the financial discipline to save and invest, will not wind up with a 1/2 million dollar nest egg after 10 years of dancing, and could thus find herself at age 28 still needing to borrow money to go to college ...
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Re: Financial Advice for Dancers from a Financial Advisor
Hi there everyone,
I know that what I am about to add here is really of limited geographical interest, but it may be of use to you if you are planning to buy a property. Though the report aims specifically at Brussels in Belgium (where I am), it might help you to look at the factors that will influence property prices in YOUR area, wherever that may be.
Don't worry, it isn't some in depth analysis of property. I always do my best to keep things light and easy to follow.
If you'd like to download the pdf, just right click your mouse and select 'Save Target As'.
The link is here:
http://www.freefinancialguide.net/pd...20Property.pdf
Hope you like it.
Best,
Stuart
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Most Important Three Words In Investment
Hello again,
Another link to another little report I have penned about investment.
This one deals with a little known and yet hugely important theme in investment success. The report is called The Most Important Three Words You Need To Understand In Investment.
It is in pdf format which means that you can access it by clicking the right hand button on your mouse and selecting the option 'Save Target As'.
Here is the link:
http://www.freefinancialguide.net/pdf/Mos.pdf
If you enjoy and it and would like to pass it on to other people who you feel might benefit from it, please do so.
Best wishes,
Stuart
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Re: Financial Advice for Dancers from a Financial Advisor
thanks for all the financial advice, man!
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Melanie I am a little confused
You said that on your adult website you have to post your #SS. I was under the impression that you put a link for the 2257 which had and address for where your records are kept incase the feds come. I am sure they will have to provide identification and than you give them your information. That is what all the models I know are doing with there own website. The only thing with webcam models is I know that have to record and log all of there sessions. mmm I am really confused.
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Re: Financial Advice for Dancers from a Financial Advisor
Hi everyone,
I was chatting with a friend a couple of days ago and he asked how come I am so clued up all the time about finance. I tried to explain that I mostly just read online - and the vast majority of it is free.
In that spirit, I thought I'd add a quick list of my favourite sites for finance online in the hope that they might prove to be of use...
http://www.financialsense.com
http://www.silver-investor.com
http://www.superiorinvestor.net
http://www.bbc.co.uk
http://www.ft.com
http://www.thestreet.com
And at these and other sites can be found some of my favoured financial writers:
Jim Willie
Antal Fekete
Bill Bonner
Harry Schultz
Joe Duarte
and if I have a lot of time on my hands, Dr Marc Faber
As ever, best wishes and good luck!
Stuart
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Re: Financial Advice for Dancers from a Financial Advisor
^^^ and don't forget my favorite doom merchant, the Mogambo Guru ...
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Re: Financial Advice for Dancers from a Financial Advisor
Hi Stuart
Very interesting series of articles. I am 18 and just starting as a dancer, while I go to college (luckily i live in a place where college education is for free). I was told that mutual funds are a good investment idea. I was also told ING (the local branch) could offer me a good passive income. Do you have any advice in choosing mutual funds?
Ximena