Month: January 2021

Computers Patrick Moreau

Best 5 free WordPress themes list

Best 10 free WP themes today? One of the simplest yet effective ways to reduce your website development costs is to use pre-designed or readymade themes. There are several benefits of using a readymade template to build your website. Most of the templates or themes are available for less than $100. When you use any theme from a reputed web developer, you don’t have worry about mobile responsiveness, browser compatibility and loading speed. Majority of the web developers who provide readymade themes provide great support when you need it. You can quickly build your website by choosing a readymade theme or template.

HTTPS makes the pages on your site more secure by encrypting information sent between the visitor and server. It’s been a Google ranking factor since 2014. You can tell if your site is already using HTTPS by checking the loading bar in your browser. If there’s a lock icon before the URL, then you’re good. If not, you need to install an SSL certificate. Lots of web hosts offer these in their packages. If yours doesn’t, you can pick one up for free from LetsEncrypt. The good news is that switching to HTTPS is a one-time job. Once installed, every page on your site should be secure—including those you publish in the future.

Kata is the most advanced WP theme and allows you to create any kind of website you can possibly imagine. Lots of different features of this theme have been developed to make a smooth user-experience for the users. Furthermore, by only one click, a vast range of options appears so as to make the professional users and web designers able to customize the details as they wish. All the edits, either in the Page or Header or Footer or Theme Options are live and can be seen in real-time and the speed of it will leave you rather surprised. Discover even more info at best free WordPress themes.

Neve looks clean, modern and beautifully proportioned. It’s also super-fast to load and can be used for multiple purposes, from blogs to ecommerce to personal portfolios, and more. While it’s lightweight and has a minimalist design, the theme is highly extendable, optimised for SEO and is responsive and WooCommerce-ready. It’s compatible with many popular page builders too. In short, when it comes to free WordPress themes, this brilliant design has it all.

Drupal is open-source, like WordPress, but is it better than WordPress? Or will you find more value in the latter? Where similarities end, specific differences really do take shape. In deciding between the two, a lot of your decision will come down to your intent and your needs, as Drupal tends to be a lot more complex in terms of setting up and maintaining. However, this sets it up well for large bandwidth enterprises. WordPress, on the other hand, can be as easy or complicated as you like: you can go super multi-functional with a developer, or you can keep it simple, setting it up yourself.

Astra has made its name as one of the most customizable themes in the industry. The theme has quite an original approach when it comes to how it’s meant to be used. Basically, you first install the main theme and then get to choose from a range of add-ons that expand on Astra’s core functionality. Overall, this gives you full control over what features you have on your site and how you want to use them. This makes Astra an excellent solution for people who want to DIY a website from scratch. Find more info at here.

Transportation John Concrane

Premium Gatwick airport taxi companies and top destinations in London

Premium Gatwick airport transfers firms and London attractions? London’s small – and somewhat ill-defined – Chinatown is an intense hit of Chinese culture sandwiched between Soho and a shuttered Theatreland. Bilingual street signs, colourful pagodas, lion statues and grand red-and-gold gates welcome you to an area packed with restaurants and shops – many of which took a hit in 2020. It’s now pedestrianised to encourage punters back to supermarkets like See Woo and fast-food spots like Chinatown Bakery.

Professional airport transfer companies are well aware of the various requirements that their customers might have. That is why they are always well prepared to ensure that their clients do not face any inconvenience. Most driving companies are equipped with years of experience in this field. Any city in the United Kingdom or the rest of Europe has several airports, most of which are located at a distance of about 2 to 4 hours from the main hub of the city’s activity. A good airport transfer service can pick you up from the airport in time and take you to your destination by taking the shortest route possible, thereby avoiding all unnecessary traffic hassles. Thus it can be said that besides reporting to pick you up on time, these service providers also make sure that you reach your hotel at the earliest possible time so that you don’t get late for your meeting or your sightseeing plans.

Stansted Airport Transfers – Before hiring an airport transfer services you should always do some research you will find that our company has good reputation in the city and existing customers hire our services again and again. When you avail our services you will find that the research done by you was really useful as now you will have an experience of a comfortable and luxurious journey. See extra info on London Gatwick Taxi.

The UK is blessed with an abundance of amazing days out for families, from educational sessions at museums to wild-and-free days getting muddy in an enchanted woods. Some UK attractions for families are so magical, they deserve to be seen through a child’s eyes. Here are 20 unmissable places to take the kids before they hit those pesky teen years! Hobbledown calls itself a ‘mysterical adventure’ and it has more than enough for a packed day out with little ones. A huge indoor play barn makes it an ideal venue for rainy days, while farm animals, an aerial adventure course and gigantic jumping pillows are just a small selection of the outdoor activities on offer. If you want to get up close and personal with the animals, meet and greet 17 magnificent birds of prey at the Raptor Centre.

Being a groundling (that’s getting yourself a £5 standing ticket and watching Elizabethan-style) at Shakespeare’s Globe in London is unmissable, but it doesn’t get more special than sitting in the audience of one of the Bard’s beloved plays in his actual hometown. Head to pretty Stratford-upon-Avon to see a Royal Shakespeare Company production in the riverside theatre, before visiting Shakespeare’s birthplace and the church where his body was laid to rest in 1616.

The London Eye is the world’s tallest cantilevered observation wheel. Climb aboard one of the 32 capsules for a breathtaking experience and unforgettable views of some of London’s most famous landmarks. Book ahead to skip the queues. Take a tour with one of the Yeoman Warders around the Tower of London, one of the world’s most famous buildings. Discover its 900-year history as a royal palace, prison and place of execution, arsenal, jewel house and zoo! Gaze up at the White Tower, tiptoe through a medieval king’s bedchamber and marvel at the Crown Jewels.

Kensington Gardens is open from 6 a.m. until dusk each day. You can get there from the nearest tube stations of High Street Kensington (Circle and District lines), Lancaster Gate (Central line) and Bayswater (District line). Named after the Prince Regent (King George IV), this regal space has hundreds of acres of formal gardens to admire, as well as some 12,000 roses in the Queen Mary’s Gardens. For kids more interested in playing than roses, there are four playgrounds and central London’s largest outdoor sports area. Try and spot the park’s local hedgehog population. The park is also home to London Zoo — the world’s oldest scientific zoo, opened in 1828. It’s home to penguins, lions, flamingos, camels, hippos and much more.

I recommend pre-booking your train tickets though as it’s much cheaper and the queue to collect tickets is normally much shorter than to buy new tickets. Usually I can get a direct train to London Bridge or Blackfriars for £10-12 depending on the day. There’s also a bus station (about a ten minute walk from the South Terminal via tunnels/hallways) that connects you with pretty much the entire country. The North Terminal is only a short (free) tram ride away the South Terminal. There’s also plenty of parking if you’re planning on driving and it’s much cheaper than Heathrow.

If you only have time to visit one smaller city in England, you couldn’t do much better than Bath. This remarkably beautiful city in Somerset boasts more fantastic tourist attractions than you could hope to visit in a day. While most famous for the magnificent 2,000-year-old Roman Baths built around the city’s rejuvenating hot springs, it’s equally well known for its honey-colored Georgian Townhouses, such as those located on Royal Crescent. Some 500 of the city’s buildings are considered of historical or architectural importance, a fact that has resulted in the entire city being granted World Heritage status. Bath makes an ideal location from which to explore some of England’s most stunning countryside, including the Avon Valley, the Mendip Hills, and countless other fantastic Somerset landmarks. Read additional info on this website.

Health Amelia Whitehart

Best rhinoplasty surgeon in Santa Barbara

Rhinoplasty surgeon in Santa Barbara, CA? There is quite the collection of frequently asked questions when it comes to Rhinoplasty. Discovering the ins and outs of a procedure is the correct primary step in deciding to move forward with your decision. Let’s start with the foundational information that you need to know about Rhinoplasty to guide you through this article. What is Rhinoplasty? Rhinoplasty is also known as a nose job. It is achieved by correcting the shape and/or size of the nose, whether it be for appearance or breathing purposes, or possibly both.

Are you a good candidate for plastic surgery? Most surgeons will only perform elective surgery on those that are over 18. Although, some may make exceptions. Second, you should be in good health. Have no history of heart, circulatory, or bleeding conditions, or any other condition that could affect the healing process. Research the plastic surgeon. Look for recommendations and reviews from other people that have already had surgery performed by the doctor. It is best to check this out before getting the surgery done. You would not want to get a surgery performed by a doctor, who has less than perfect reviews.

While the average health insurance policy is not going to cover the costs of treatment is deemed to be elective, a procedure of this nature could be covered if has been performed for reasons that are directly related to a deformity or a breathing problem. If at all possible, take the time to check with the insurance provider to see if pre-authorization can be obtained. It is important to provide all of the necessary information to your surgeon during consultation. Any previous nose injuries or surgeries need to be disclosed, even if they took place a long time ago. Any breathing difficulties or allergies must be disclosed. Patients must also share information that is related to their vitamins, medications, smoking or recreational drug usage. Discover more details on rhinoplasty in santa barbara.

Rhinoplasty is a small risk for heart patients, but it should be considered. If you are worried about your rhinoplasty and are afraid of the risks after surgery; All you have to do is talk to your cosmetic surgeon about your concerns and desires. Fortunately, rhinoplasty has far fewer risks than other surgeries, and its complications are very rare. It is often done completely without any side effects. There is no need to worry if you are careful in choosing your surgeon and get enough information about rhinoplasty. Because choosing the right ENT surgeon will help you make sure they take the most preventive measures for you.

Physical Examination – A physical exam is conducted including facial features, the inside and outside of your nose and also any necessary blood test and laboratory tests. Photographs – To document your transformation, you’ll have multiple photos taken of your face and nose from different angles. Open Discussion – During your consultation, being open and honest about your reasons for getting the surgery will help the surgeon understand exactly what you are looking for. Consultations are also held to help individuals attain realistic expectations on the outcome of the procedure.

Your face is precious after all and you will have with you for life, so before deciding on having the rhinoplasty procedure, you should definitely weigh your options, do your due diligence and be sure to ask your plastic surgeon plenty of questions to determine if this surgery is right for you. Your nose is the center of symmetry in your face and even subtle alternations can dramatically change your appearance. Expectations are a critical component when selecting candidacy. The best candidates have a desire to enhance the profile of the nose, but there is not a perfection obsession. The ideal candidate is a person who does not seek a rhinoplasty to make them a happy person, as they are already happy with their daily life and are simply seeking an enhancement to self-confidence and self-esteem. It’s important to be realistic in terms of goals for your rhinoplasty results and it is critical to discuss all of your expectations and concerns with Dr. Sheffield to ensure that the outcome is in line with the surgical possibilities. Discover more information at https://sbaesthetics.com/.

Education Marie Poppins

Privat Lernen mit zertifizierten Lehrern

Professionell eins zu eins Nachhilfe? Beseitigung geografischer Einschränkungen – Tutoren und Studenten können sich von überall auf der Welt aus finden. Dies bedeutet, dass die Schüler mit den besten Tutoren zusammengebracht werden können, die ihren Bedürfnissen entsprechen, ohne durch das Gebiet, in dem sie leben, eingeschränkt zu werden. Der Unterricht kann von jedem globalen Ort aus und zu flexibleren / ungünstigeren Zeiten (z. B. später in der Nacht) erfolgen. Alles, was Sie brauchen, ist ein Gerät wie ein Computer oder Tablet und eine Internetverbindung – etwas, das heutzutage fast jeder in der westlichen Welt hat. Für Tutoren eröffnet dies zu jeder Tageszeit einen größeren potenziellen Kundenstamm.

Hoch die Tassen! Unser Gehirn arbeitet viel besser, wenn wir ausreichend getrunken haben. Trinken wir genügend Wasser, fließt das Blut leichter durch unseren Körper und dieser ist besser versorgt mit allem was er braucht. Dann fällt uns das Konzentrieren auch gleich viel leichter! Dazu noch die richtigen Snacks für die Schule und mit dem Lernen klappt’s fast wie von allein. Zu zahlreichen Themen haben SchülerInnen bereits hilfreiche PowerPoint-Präsentation gebaut, die die wichtigsten Punkte klar und verständlich darstellen. Diese Präsentationen können beim Lernen und Erarbeiten eines Themas sehr hilfreich sein. Einfach bei der Google-Suche am Ende ein .ppt ergänzen und die Suchmaschine zeigt ausschließlich PowerPoint-Präsentation an. Aber aufgepasst: Abschreiben gilt nicht!

Online-Nachhilfe wird als disruptive Technologie bezeichnet, nicht wegen irgendetwas Negativem, sondern wegen der Art und Weise, wie Bildung auf den Kopf gestellt wird. Wo sich Eltern früher auf überteuerte Bildungszentren stützten, um den Schulunterricht zu ergänzen, als ihre Kinder ins Hintertreffen gerieten, können sie jetzt online jemanden finden, der genau die Eigenschaften aufweist, die ihre Kinder für effektiv halten. Was noch vor wenigen Jahren unbekannt war, ist jetzt jedes Jahr ein Multimillionen-Dollar-Geschäft. Wenn Sie sich einmal die wichtigsten Vorteile von Online-Nachhilfe angesehen haben, ist es nicht schwer zu verstehen, warum.

Wenn Sie Ihre fachspezifischen Bedürfnisse ermittelt haben, können Sie im Internet nach geeigneten Tutoren suchen. Für jede Site, die Ihren Kriterien entspricht, möchten Sie mehrere Notizen machen, wie z. B. Kosten und vertragliche Verpflichtungen, Unterrichtsstil und Qualifikation des Personals, um nur einige zu nennen. Wenden Sie sich nach Abschluss Ihrer Suche an jeden Eintrag in Ihrer Liste und erkundigen Sie sich nach den Diensten der Website. Achten Sie auf die Reaktionszeit des Unternehmens sowie auf die gegebenen Antworten. Wenn die Sprache zu allgemein oder vage ist, sollte dies als rote Fahne dienen. Wenn Sie der Meinung sind, dass Sie Ihre Liste auf zwei oder drei Kandidaten eingegrenzt haben, führen Sie eine weitere Online-Suche durch – diesmal, um festzustellen, ob frühere Kunden die Websites überprüft haben oder ob die Praktiken des Unternehmens zu Kontroversen geführt haben. Viele Websites bieten auch Beispiel-Tutorials an, die die Schüler testen können, bevor sie eine finanzielle Verpflichtung eingehen. Was ist Online Nachhilfe? Online Nachhilfe ist eine neuartige Form der Nachhilfe. Sie ist im Prinzip wie herkömmliche Einzelnachhilfe, mit dem einzigen Unterschied, dass der Lehrer nicht neben einem sitzt, sondern vor einem auf dem Bildschirm zu sehen ist. Aufgaben bearbeitet man ganz einfach auf einer digitalen Tafel, auf die Lehrer und Schüler gleichzeitig zugreifen können. Der derzeit beste und Anbieter für Online-Nachhilfe was Preis-Leistung angeht ist Onlernschool.de Lesen extra einzelheiten auf https://www.onlernschool.de/

Sind die Unterrichtsinhalte nach dem Unterricht immer noch verfügbar? Ja, alle im Unterricht auf dem Whiteboard aufgeschrieben Inhalte, Zeichnungen und Dokumente werden online abgespeichert und können nach dem Unterricht beliebig oft vom Schüler und vom Lehrer abgerufen werden. Dies hilft sowohl dem Schüler sich nach der Nachhilfestunde die besprochenen Inhalte nochmal anzuschauen und sie zu vertiefen, als auch dem Lehrer sich basierend auf der letzten Stunde auf die kommende Stunde vorzubereiten. Unsere Nachhilfe kostet oft weniger als die Hälfte als die eines herkömmlichen Nachhilfeinstituts. Trotzdem garantieren wir professionellen Nachhilfeunterricht von qualifizierten Lehrern. Unsere Online Nachhilfe ist kinderleicht. Du brauchst weder besonderes Zubehör, noch musst du ein Computerspezialist sein. Alles was du für die Nachhilfe brauchst ist ein Computer oder ein Tablet. Welche technischen Vorraussetzungen benötige ich für den Unterricht? Alles, was du für die Nachhilfe brauchst, ist einen Computer, einen Laptop oder ein Tablet. Wichtig ist, dass das Gerät ein Mikrofon und eine Webcam besitzt. Ausserdem solltest du eine stabile Internetverbindung haben.

Auch für viele Eltern ist der digital gestützte Unterricht eine Herausforderung. Neben dem Unterricht selbst sind auch Betreuungsmöglichkeiten nach der Schule, wie Hort, AG-Angebote oder Hausaufgabenbetreuung nur eingeschränkt möglich. Um Eltern in der Betreuung und Förderung ihrer Kinder zu unterstützen, kann die Ausgabe oder der Versand von Linklisten hilfreich sein. Diese können zum einen generelle Orientierungshilfe sein, aber auch online Übungsangebote aufzeigen, die beispielsweise datenschutzkonform sind und auf In-App-Käufe verzichten. Für einen allgemeinen Überblick sind die Elterntipps von Klicksafe zu empfehlen. Übungen für die Fächer Deutsch, Mathe, Sachunterricht, Deutsch als Zweitsprache und Musik für die Klassen 1-10 bietet zum Beispiel die kosten- und werbefreie Lern- und Übungsapp ANTON App, die kofinanziert wird vom Europäischen Fonds für regionale Entwicklung (EFRE). Beim Sprachunterricht kann beispielsweise Amira unterstützen, ein Leseprogramm für die Grundschule in 9 Sprachen, unter anderem gefördert vom Bundesministerium für Familie, Senioren, Frauen und Jugend. Für das Üben von Rechtschreibung eignet sich der privat betriebene Orthografietrainer.

Finance Amelia Whitehart

The upsurge of an investment broker professional : Farrukh Kazmi

Farrukh Kazmi investment executive expert offers tips about how to get more money? Even those investors focused primarily on growth rather than steady income can benefit from choosing gold stocks that demonstrate historically strong dividend performance. Stocks that pay dividends tend to show higher gains when the sector is rising and fare better – on average, nearly twice as well – than non-dividend-paying stocks when the overall sector is in a downturn. The mining sector, which includes companies that extract gold, can experience high volatility. When evaluating the dividend performance of gold stocks, consider the company’s performance over time in regard to dividends. Factors such as the company’s history of paying dividends and the sustainability of its dividend payout ratio are two key elements to examine in the company’s balance sheet and other financial statements.

You might hear the word “budget” and cringe a little, but you shouldn’t. Budgeting is not hard, and it doesn’t mean you have to stop doing things you enjoy. Budgeting is simply creating a plan for your money so you have a better idea of where it’s going every month. A popular and effective way to budget is with the 50/30/20 rule. How it works is 50% of your income goes towards the necessities (bills, food, housing, etc.), 20% of your income goes towards savings and the remaining 30% you can use for whatever you please. This is a nice and easy way to break down your paycheck, but you might need to adjust it a bit to fit your lifestyle. Mortgage: This one’s a tricky one, but mortgages are generally considered good debt. They are usually long-term loans with low interest rates, so you’ll still have money freed up for investments and such. The interest from mortgages is also tax deductible, so that’s a bonus. In the end, it’s up to you to decide whether purchasing a home is the right move, as the value of a house will not always rise as some people think. You’ll also have to add in the expenses of property tax, utilities, and home insurance.

Got a bicycle, motorbike or car? What about a Smartphone? That’s all you need to make some extra money by delivering food or people whenever you’ve got some spare time. Sign up to delivery specialist com panies like Deliveroo who are always on the hunt for new riders. They allow you total flexibility to work when you want, delivering food from restaurants to the customers’ door. You can make up to £16 an hour. Double-up your opportunities by directly contacting local takeaways and bigger chains like Dominos to see if they have any delivery jobs going.

Gold has historically been an excellent hedge against inflation, because its price tends to rise when the cost of living increases. Over the past 50 years investors have seen gold prices soar and the stock market plunge during high-inflation years. This is because when fiat currency loses its purchasing power to inflation, gold tends to be priced in those currency units and thus tends to arise along with everything else. Moreover, gold is seen as a good store of value so people may be encouraged to buy gold when they believe that their local currency is losing value. Farrukh Kazmi is the founder of A&S Asset Management, I am committed to helping people achieve financial freedom by bringing Wall Street experience to the local investor.

Cryptocurrencies are encrypted decentralized digital currencies that are transferred between individuals. These currencies are not tangible and exist only in the electronic from, it is a digital asset that exists and remains as data. They allow a person to send money just like sending an email, much lower transaction times compared to using a bank, minimal fees, no credit cards and no middleman. The joint bookkeeping process is called a “Blockchain”, it is public and is distributed across the network of all the people that have the same coin, for example everybody that has Bitcoin has a copy of the ledger and its transactions, which creates a community of trust. Each cryptocurrency is individually identifiable and programmable based on a very complex digital code.

No matter what stage of life you are in, life insurance should be viewed as a must. Otherwise, you saddle your loved ones with your expenses if you pass away, or leave them unsupported if you are the primary breadwinner. Not all services have costs that are set in stone. In fact, there are many bills with rates that are actually negotiable, thanks to hidden discounts and barely advertised promo rates. If you want to lower your monthly expenses, Truebill can handle the negotiations for you. Plus, you only pay for the service is they actually secure you a discount, with the fee being set at 40 percent of what you save, so you always come out ahead. Discover more information at Farrukh Kazmi.

How should you go about finding the right advisor? The first step is to figure out what sort of professional financial help you need. Like many people, some of your deepest financial thinking comes at tax time. So if you just want someone to dole out tax advice and preparation, a good old Certified Public Accountant (CPA) will probably suffice. That CPA may or may not also be a financial advisor. All of our brokerage accounts are held and available for viewing at National Financial Services, a Fidelity Investments Company. Registered Representative of and securities offered through Berthel Fisher & Company Financial Services, Inc. (BFCFS). Member FINRA/SIPC. A&S Asset Management and BFCFS are independent entities.

A stock (also called a share) is a part of ownership in a company. It represents a claim on the company’s assets and earnings and what that entitles you to do is to attend the Annual General Meetings (AGMs) and dividends payout if declared by the company. So essentially by buying into this company, you are betting that the management team and company fundamentals are able to get you more returns. Bonds are debt instruments in which investors effectively loan money to a company or agency (the issuer), in exchange for periodic interest payments, plus the return of the bond’s face amount, once the bond matures. Bonds are issued by corporations, the federal government, and many states, municipalities, and governmental agencies.

Business Marian Vasilescu

How to earn more money recommendations with investment executive expert Farrukh Kazmi

Farrukh Kazmi investment expert offers recommendations about how to get more cash? Whether it is the tensions in the Middle East, Africa or elsewhere, it is becoming increasingly obvious that political and economic uncertainty is another reality of our modern economic environment. For this reason, investors typically look at gold as a safe haven during times of political and economic uncertainty. Why is this? Well, history is full of collapsing empires, political coups, and the collapse of currencies. During such times, investors who held gold were able to successfully protect their wealth and, in some cases, even use the commodity to escape from all of the turmoil. Consequently, whenever there are news events that hint at some type of global economic uncertainty, investors will often buy gold as a safe haven.

Many students work part-time or during the summer months, and others will be on placements or paid internships. More often than not, if you are a student working during the year, you will be overpaying income tax. Why? Simply because few students reach the personal tax-free income allowance each year but are put on an emergency basic tax-code by their employers meaning tax is being paid when it shouldn’t be.

Gold has historically been an excellent hedge against inflation, because its price tends to rise when the cost of living increases. Over the past 50 years investors have seen gold prices soar and the stock market plunge during high-inflation years. This is because when fiat currency loses its purchasing power to inflation, gold tends to be priced in those currency units and thus tends to arise along with everything else. Moreover, gold is seen as a good store of value so people may be encouraged to buy gold when they believe that their local currency is losing value. Farrukh Kazmi is the founder of A&S Asset Management, I am committed to helping people achieve financial freedom by bringing Wall Street experience to the local investor.

Cryptocurrencies are encrypted decentralized digital currencies that are transferred between individuals. These currencies are not tangible and exist only in the electronic from, it is a digital asset that exists and remains as data. They allow a person to send money just like sending an email, much lower transaction times compared to using a bank, minimal fees, no credit cards and no middleman. The joint bookkeeping process is called a “Blockchain”, it is public and is distributed across the network of all the people that have the same coin, for example everybody that has Bitcoin has a copy of the ledger and its transactions, which creates a community of trust. Each cryptocurrency is individually identifiable and programmable based on a very complex digital code.

See, the sum is much greater than the parts. It’s like a formula, where the more things that you do right the more money you’ll be making and the faster you’ll reach financial freedom. While each of these is important, when you manage all of them well, you’re going to be making the most of your money and your time. It’s also important to track everything using a simple free app like Personal Capital. When you manage your money well, it’s like making money in your sleep. See additional info on Farrukh Kazmi.

To locate a planner, start with referrals from colleagues, friends or family members who seem to be managing their finances successfully. Another avenue is professional recommendations. An accountant or a lawyer might make a referral. Professional associations can sometimes provide help. The Financial Planning Association (FPA) will also be able to help you locate a planner in your area. All of our brokerage accounts are held and available for viewing at National Financial Services, a Fidelity Investments Company. Registered Representative of and securities offered through Berthel Fisher & Company Financial Services, Inc. (BFCFS). Member FINRA/SIPC. A&S Asset Management and BFCFS are independent entities.

A stock (also called a share) is a part of ownership in a company. It represents a claim on the company’s assets and earnings and what that entitles you to do is to attend the Annual General Meetings (AGMs) and dividends payout if declared by the company. So essentially by buying into this company, you are betting that the management team and company fundamentals are able to get you more returns. Bonds are debt instruments in which investors effectively loan money to a company or agency (the issuer), in exchange for periodic interest payments, plus the return of the bond’s face amount, once the bond matures. Bonds are issued by corporations, the federal government, and many states, municipalities, and governmental agencies.

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