Monthly Archives: June 2017

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%.

Smart Tips For Finding Merchants

Credit Card Readers: A Guide

Credit card readers are now a necessity in business nowadays in order to accept credit point of sale. Credit card readers are not only limited into reading and scanning credit cards, but they can also read employee cards, consumer cards and also gift certificates. In order to complete a transaction, it all falls to the work done by credit card readers, because their job is to read the credit card, which is obviously their job but also very crucial, especially in making sales. What makes it very critical is that the credit card reader should interpret and transfer the information from the credit card of the customer and inform the business person if the customer’s credit card still has the enough credit in order to make the purchase.

Merchants always ask the customer before receiving the credit card on what kind of credit card are they going to use and that is because of the black stripe at the back of the credit card, which holds all the necessary information in making transactions and different types of credit cards hold different kinds of information. Swiping your card or letting the merchant swipe your card through the credit card reader means that the credit card reader will get the information from the embedded information of your credit card and into the central tracking and billing system which will then sent the information that was involved in making the purchase possible to the specific credit card company. The amount that is needed for the purchase is checked and validated by the issuing bank and compares it to the information that was from the credit card, if it is below or above his or her credit limit and after the issuing bank does that, the credit card company then sends a confirmation.

A credit card reader has a magnetic stripe reader and that is what reads the embedded information in stripe at the back of your credit card, a keypad to enter the information necessary to make the purchase, like the amount, and a small display. Some credit card readers also have a built in printer on them while some have not but still can be connected to a separate printer, and credit card readers can be connected to a machine with the use of serial ports or even a USB.

Mobile credit card readers are also now gaining popularity due to an increasing population of business people that does their business while traveling a lot, because mobile credit card readers are small in size and is also very lightweight, which makes it easy to carry around.

Case Study: My Experience With Cards

Everything That You Should Know About Mobile Payment Processing

The emerging of the mobile phones and the improvements in the level of technology has really contributed to making life for most people easier and also to making the world a better place as many of you could say it.In the past it was difficult to make the payments because of the many factors that were a challenge when it came to payment of goods and services.People were at times forced to exchange goods and goods so that they could achieve satisfaction.The current level of technology has ensure that there is accuracy in the transactions hence there are no losses that are encountered by any of the parties that are participating in the business.

For there to be more efficiency in the running of your business you need to make sure that your payment are as mobile as your business.The company that you hire for the mobile payment for you will ensure that they provide you with all the necessary materials and the equipment so that you can benefit in the long run.The package that you will not want to miss is the mobile payment processing in that it ensures that you are able to make much more profits than you can imagine in the long run.The inventory management involves the track ability of the payments and the robust that will then respond in real time to monitor all the transactions and make sure that everything that you do is in order.

The company that will offer you the mobile payment processing will also ensure that they offer you the true store forwarding ability via the mobile solution.The ability of you running all your transactions all day without fearing of the time and the security of your transaction ensure that you are in the right place to handle your transaction hence you are not subjected to handling any hard cash in the end.The mobile payment professing is efficient in that it will allow you to run the transactions in the event that your cell signal is down hence nothing will stop you from running the transaction.

However you need to be careful when choosing the company that will provide you with the mobile payment processing services.The company that you hire must be licensed to avoid you getting into trouble with the authorities.Hiring of the company after reading its reviews will ensure that you make the right decision when it comes getting the right services.

Learning The Secrets About Cards

Critical Things That People Need To Try And Know About Credit Card Readers

The use of credit cards as a form of payment has come a very long way since it was developed, people would not be able to buy goods and also services using the internet get to pay with credit and also debit cards. Customers which uses valid cards can also get to purchase in stores and use their own credit cards to pay for their different merchandise, if they run out of cash then they can use their credit cards to buy them. These kinds of activities have brought the purchasing power of computers to a different level, business owners can get to experience profits if they are able to accept different forms of payment besides from cash.

People which does not have some cash ready and they can get to grab their credit cards and use them to pay for different products and also services which they want to buy so badly on that particular day. Today, there are a big number of USB credit card readers that are the new kinds of business machines that can help businesses to handle credit card payments in no time and try to experience great profits.

A card reader is mostly composed of a magnetic strip reader, display screen and also numeric keypad where the amount of money that requires to be paid would get to be inputted for a number of their customers to pay. Businesses only needs a computer, receipt printer and also the card reader is all that their business needs to sell their various products and services to their clients using different payment options.

A number of restaurants and also department stores are already equipped with this kind of technology that makes their services to be faster and also reliable for their clients to pay using their credit card. The credit card reader is integrated with a software application which communicate to the credit card company every time a transaction is made and once it is verified the funds can then be transferred to their own business account. A single swipe of the credit card to the machine would get to conclude the transaction, this is the next product of technology that decrease complex tasks to provide businesses effective and also accurate accounting.

Once the transaction gets to be concluded, a receipt containing information about the payment can be printed and this would reflect the amount decreased from the customer’s account and other information. There are a big number of credit card readers in the market, they must make sure that they can find the right ones which can help their business to get payments from people which have bought their products and services.

What Do You Know About Businesses

How to Pick a Binary Options Broker There are many different business ventures in which someone can get into, meaning, there are many options in which one can take, when looking for the best business, you need to consider what you would expect from it, meaning, you will have to look for the best means to making sure that everything will work as intended and also that you get to be satisfied, meaning that you will not be wasting your time or even resources. Therefore, some of the things that someone can do is look into the binary options market, in this, you will need to look for a broker, meaning someone who will be able to give you some accurate information so that you can have the best returns possible, this means that eventually, you will get to find some of the best means to making sure that indeed you will be able to move forward. Amongst the things which you will have to do is getting to make sure that indeed you have conducted an assessment or a research, this will ensure that you can find the best expert available, that is, a broker who will aid you in knowing the way forward and also making sure that you can be contented, therefore, it will be the simplest means, to begin with since, by this, you can look into their reputation.
Practical and Helpful Tips: Options
Therefore, you also will need to have some resources, meaning, a source of information to help you in finding the best available binary options broker, this means that eventually, you can be contented, getting to use the internet will be your weapon since with this, you can be able to find out of their reputation and also look for the qualities you would like.
Figuring Out Resources
Likewise, you will need to look at the transparency of the broker, this is something which will be different from reputation, someone can have a good reputation, but they are not transparent, to find someone with both will be rare, and therefore it should be something which you need to focus on, this means that you get to find an expert who will be willing to disclose all the information to you and what you might stand to gain from each and every option. You therefore will find that most of the business is always conducted online, meaning that, you do need to look for the best means of making sure you find someone reliable, this being the use of demo accounts, this is just like a normal account, but you will get to test the waters thus being able to determine if you do need the real account r look for another choice; therefore, you will find it much easier to be contented.

Overwhelmed by the Complexity of Funds? This May Help

Reasons Why You Should Apply For An Online Loan.

As our Internet use continues growing high, the overall public have a more unmistakable shot of using on the web means to get what they require. There are several advantages that are accompanied by using the online platforms to acquire loans.

The great extra security that are brought by online technology is always a good reason to purchase or make other transactions online, and this is as true for applying for your secured online loan as anything else. A large portion of individuals on the planet are constantly suspicious requesting items or administrations including requesting advances on the Internet, yet this is a baseless dread. There is this product known as encryption which masks all information that you enter on your PC and keeps it covered until it lands at its decision. At precisely that point is the data revealed. Pay extraordinary personality to a tradition called SSL secure connection layer, as this is thought to be the best sort of encryption. Also, you can look out for the little lock icon on the web page itself, depending on your operating system.

The expenses and overheads of an online business is dependably altogether lower than that of a conventional physical business, so in principle, the online business can pass their investment funds onto you the client. In case there are clusters of suppliers fighting in a comparable market, then this generally speaking infers that expenses are brought down as associations go after customers. Online trades are rapid, and you can make the application for your open online credit, and you can retreat to what you were doing in only a few minutes.

When you apply for your secured online propel, it looks good to make the application online as you are looking data you go into the application shape which clearly shows up as meager data section boxes. A prominent favored outlook is that in case you commit any error, or else enter something that the structure does not grasp, it will therefore alert you. You don’t have to sit tight for quite a long time or days down the line to get a message that your application has been unsuccessful. Online application structures are anything but difficult to utilize in light of the fact that you can really observe what you are going into the containers when applying for your secured online advance and you can modify things effectively. This beats talking on the phone to some individual working in a call concentrate some place whose first tongue may not be English. The propel supplier can ordinarily deal with your application for a secured online progress snappier if you make the application on the web.

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Looking On The Bright Side of Merchants

The Notable Benefits of Mobile Order Processing

The idea of establishing an order processing system came about just when doing business became a lot more complicated. Today, it is something that’s considered as essential and indispensable for any type of business that needs a highly efficient way of managing customer orders. In the earliest days of order processing, you expect no other tools except for the pen and paper. But with the advent of technology, some of the world’s largest companies now use highly advanced order processing systems that can track, manage, and facilitate orders that go beyond boundaries. Unfortunately for small and upstart businesses and companies, it is pretty difficult to take the risk of investing in an expensive advanced order processing system. The good news though is that there seems to be a very feasible alternative. This alternative goes in the form of an affordable but equally sophisticated mobile order processing software.

So what’s with an order processing software and is it beneficial for your business should you invest in it? By definition, it’s a software system that is designed to help any kind of business save time in the order process. And considering the fact that most of these software systems are mobile, it means there no longer is a need to rely on standard heavy equipment and machines. So here’s a look at the most important benefits of a mobile order processing system:

1 – Saves you time with regards to processing orders.

It’s no secret that the old way of dealing with paperwork in closing a sale and in the process making sure the customer is satisfied is quite arduous and time consuming. But with a mobile order processing system, everything is done through an automatic order form that sets up the business’ sales representatives and customers in one. One of the things that will allow you to save time in the processing is that you no longer have to do continuous reentry of data and information from customers.

2 – Helps you improve your customer service.

Because there is no more need to spend a lot of time doing paperwork, it only means that your own sales team will be able to put more of their focus and attention to making sure that existing clients are given the best service.

3 – Helps in reducing accounting costs.

Accounting means monitoring and data entry – two business processes that require manpower, time, and money. These people are responsible for manually transferring information from order forms to sales sheets and others. But because you’ve already invested in mobile order processing, it means that the need for manual entry is reduced, which also means there no longer is a need to pay extra for additional people in the accounting department.

Lastly, mobile order processing software ultimately makes life easier for you and your business because for the first time, you now get the opportunity to process orders regardless of where the customers are located.

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What You Should Know About Resources This Year

Student Loan Forgiveness Programs: A Quick Guide One of the most terrifying things about finishing higher education is the prospect of repaying the educational loans you used to finance your studies. Many students have no idea that there are lots of loan forgiveness programs available that can help clear all or part of their educational loans for free. To be eligible for such programs, there are some criteria you must meet, including doing volunteer work, working in a certain profession, as well as accepting to work in an underprivileged community for a specific period of time. The value of student loan forgiveness programs can range from a few thousands of bucks to at least one hundred thousand, based on which program you opt to apply for and your amount of loans.
What Do You Know About Loans
As many students don’t even know that these programs exist, most of the programs don’t receive many applications each year, leaving thousands of dollars unused. If you’re looking to eliminate your student loans quickly so you can have a head start in your life, the information provided below can help you out.
What Do You Know About Loans
Student loan forgiveness and student loan repayment are two different programs. The federal government made them to help students pay back their college loans. Being in any one of the programs means that your entire or portion of educational loans is simply cleared or decreased from the figure due. Repayment programs, on the other hand, are more available than loan forgiveness programs and are used for any kind of loan including federal student loans and private loans. In most cases, repayment programs are provided by the employer who pays lenders on behalf of the employee. If you want a loan forgiveness program, you can begin by getting in touch with your college’s financial aid department. If you choose a profession like nursing, law enforcement, or teaching, you may qualify for a student loan forgiveness as long as you accept to work under some stipulations. This could be a great chance because it lets you start working in your chosen career immediately, helping you get experience while at the same time paying off your educational loans. For those who’ve graduated recently, many employers in those fields provide repayment programs to motivate gifted graduates, so make sure to ask about this from your potential employer too. If you’re looking for volunteer-orientated loan forgiveness programs, contact PeaceCorps or AmeriCorps program. These two agencies will offer to clear a part or your whole college loan in return for volunteer work. Sometimes you may be done with volunteering while still in school, and many find the experience richly rewarding on an individual level. In addition, volunteering also boosts your graduate school and job applications, so there are plenty of reasons to choose loan forgiveness programs.

Smart Ideas: Policies Revisited

Understanding How to Get the Right Rates for Your Life Insurance With life being such an unpredictable thing, there is no doubt that you’ll want to be prepared for anything. While you will never get to know when you might die, you will be able to protect your family from your loss by purchasing some life insurance. You’re going to discover that there are plenty of different reasons to get life insurance, but overall peace of mind will be at the top of the list. At the same time, most people who are trying to purchase life insurance are going to want to save as much money as possible. This is because of the fact that there are plenty of other costs that people generally have to deal with. Because of this, you’ll probably want to avoid dealing too much with your life insurance premiums. You’ll ultimately find, though, that the best life insurance companies will have all kinds of plans that will be very easy to work with. The more time you can spend looking at the different types of companies that are out there, the easier it will be to choose an effective life insurance policy. More than anything else, it’s a good idea to check the internet to see whether you are going to be able to save a lot of money by getting an insurance policy from a top company in the business. Anyone who is trying to make their insurance prices drop a bit will find that getting online companies to compete for your business can be one of the biggest money-saving strategies around. Because online companies are going to have a much lower overhead to worry about, you’ll find that there is a great likelihood that you’ll end up saving a lot of money.
What Do You Know About Options
There are many local insurance companies who will also be more than willing to offer you a life insurance quote. It’s easy to see how you will likely want to talk with a local company about your options, since they will frequently have a better understanding of your very unique needs. You’re going to find that there are a wide range of different kinds of local companies who will be very easily able to help you make smart choices.
A Simple Plan For Investigating Policies
If you’re trying to pick out a great life insurance policy, there are certainly going to be a wide range of things that you’re going to have to think about. Once you’ve managed to find the kind of companies that offers affordable rates, you should be able to protect your family and save money at the same time.

The 10 Most Unanswered Questions about Homes

Which Is Better, Renting Or Buying A Home?

Sure enough, most people feel excited with the thought of transferring to another place for residency purposes.

Undeniably, you might feel lost and contused whether you are going to rent a property or go for a home loan, this kind of scenario is completely understandable. One thing is for sure, both options requires huge financial expenditure at a given time.

If you want to make a sound decision, then you must see to it that you are able to weigh your options and gather relevant information about them.

The Benefits of A Mortgage

The main advantage that you can get from getting a mortgage is that you will own the property. This somehow allows you to decide freely on the designs and styles you want to incorporate in the house.

If by any chance you want stay for that place for a long period of time, for instance for five years or more then this is the perfect option for you. If you are able to stay in a particular place or home for quite some time then more likely you will be able to regain the amount that you spend in purchasing in the future.

You must be cognizant with the fact that most banks require their clients to start up with a minimum deposit of 20% for the property that they intend to buy.

The ideal candidate for mortgage are those individuals who can afford a 20% deposit or those who have huge amount of money save in a particular bank.

As much as possible look for lenders that offer low- interest rate, this way you will pay lesser amount of money for the loan which makes it a good investment on your part.

It is also a good thing for you to use a home loan repayment calculator for you to have a grasp of the estimated amount that you need to pay every month.

This is quite different with renting a property since the money that you pay every month will go directly to the landowner. The money that they are able to get from your payment will be used for the mortgage of the property. Thus, is renting the best option that you’ve got?

What Makes Renting A Home Beneficial?

Since you have come across already with the advantages of a mortgage, it is possible that you have already made up your mind.

However, it is also imperative for you to know the significant benefits that you can get from renting.

You must be aware that purchasing a mortgage is quite expensive. As mentioned earlier, you must pay a deposit on the property which is also different from your monthly payments.

If by any chance your money is not sufficient then renting is your best option.

Reference: important link