Investment And Financial Planning

On a general man to man basis Financial Planning is of more importance when compared to investment planning. If a man fails to save money, then where is he going to make the investment from? It is here that the need to emphasize on a strong financial plan comes to play. Financial planning is on a larger scale compared to Investment planning. Where investment planning is individual oriented, financial planning takes into account the needs of the individual and family. Financial planning is the process of assessing the financial goals of an individual at different junctures of his life. It takes into account all assets and investments that he already has and what others he may require to achieve his financial goals in the near future. The prime objective here is to ensure that the required amount of money is there with him at the time of an investment, thereby enabling him to meet his personal goals. This is how financial planning and investment planning relate to each other. Coming to the investment part, security along with profit is a big question?
Any investment depicts a clear picture of your current financial situation. Bifurcate your investments amongst various assets to reduce the risk factor. Asset Allocation is the best way to ensure that a particular investment made is a success. Monitoring your investment to maintain the allocation with your financial goals makes the investment tax efficient.

Following are certain points as to how one can better their investment and financial planning:

Investment Planning:

1) Create a Budget for Monthly Expenses: This enables you to get a clear picture as to where your expenses lie and how much unnecessary expenditure you could curtail to save a decent percentage of your income.

2) Paying of Debts: Once you clear of your debts, a certain amount of your expenditure is saved. This can be used for investment purposes.

3) Emergency Savings: Emergencies do arrive unannounced. One has to ensure that a certain amount is kept aside to meet these situations. These funds should be invested or kept aside to meet these situations. These funds should be invested or kept aside in investments that can be accessed anytime you need cash.

4) Investing in Long term Assets: Investing in long term Assets is a good decision. Purchasing a house is considered to be a good investment as payments towards interest and real estate taxes are tax deductible. Secondly the value of property increases with time. Other then this investing wisely in Mutual Funds, stocks and insurance will provide you with a good return on your investment.

Financial Planning:

1)Using a monthly spending plan or budget to keep finances on track
2)Making decisions about the job and its benefits
3)Getting the most out of other financial resources, including insurance and employer provided benefits.
4)Saving and investing money
5)Controlling expenses and staying out of debt.
6)Planning for estate transfer.

Generally people enlist the services of a financial planner prior to making any major investments. A financial planner is a professional who helps people deal with various personal financial issues through proper planning, which includes cash flow management, education planning, retirement planning, investment planning, risk management and insurance planning, tax planning, estate planning and business succession planning. While dealing with Mutual Fund Investments they are called �Fund

Video Games Becoming Addictive To Children

Parents, teachers, and adults are beginning to wonder with all the research being done on video games if children are not becoming obsessive even addictive to video games. Most of the research that has been complete have focused on video games that have more of a violent theme due to the behavior now appearing in children.

Researchers do feel that there is a connection between violent video games and violent behavior in children. It is felt that when these violent video games are played repeatedly then the children will have aggressive thoughts and become less helpful to others and less sociable as well. In video games where the goal is to kill as many characters as you possible can, then the objective turns into the violent the kills are the more points that they will collect. While a child is playing such a game ninety-nine percent of the time their heart rate will increase dramatically due to the affect the game is having on them.

A study was done by three teenagers and was put on observation at an International Science and Engineering Fair in Cleveland, Ohio that showed how video games affected children who played them. The study showed that people, not only children, or all ages had a rise in blood pressure and heart rate after they played a super violent video game. However, when the same person played a nonviolent video game did not have the the same effect as the violent video game.

Children all over the world play these violent video games every day and some play for more than three or four hours a day. There will always be a debate as to whether violent video games can actually make an individual have behavior that is of an aggressive and violent nature, but the fact is that these video games are addictive to children. It is true that playing video games can help children develop their visual skills while learning about computers, which may help them in school. In fact, studies are now showing that video games can be helpful for children.

The fact is that video games are proving to help children that labeled ADD or ADHD learn how to focus their attention. Video games are often innocent bystanders to the problems in society. Video games have the potential to inspire children to learn if it is presented in the right manner to children. Video games have already proven to have the capability of improving the coordination and visual skills of children that play them.

Children tend to choose video games that have the combination of being challenging, entertaining, and complicated. Many of these video games can take up to one hundred hours of play to complete and most children will have their concentration focused on the video game the entire time. Children that are labeled with ADD and ADHD by teachers are those children that can not sit still in school, but this might just be because they find the school work boring, because the majority of these children can spend hours trying to make it to the next level of a video game.

These same children, who professionals feel can not pay attention, can play a video game for ten straight hours if given the opportunity simply because the game focuses their attention in a way school is unable to try, which is interactive. These children are not simply sitting and watching, but are participating in what is going on and solving problems.

Board Games Aimed At Teenagers

While there are board games made for every age range possible, there is a special market made for games which are geared toward teenagers. Many times, these games will be themed according to different forms of media which may be popular with teenagers of the day. The teenage years can be a time during which many children are trying to find themselves and often, they will express little interest in traditional board games. However, when there are games built around something that they are interested in, they might be more inclined to play one.

The popular High School Musical franchise has given board games a number of opportunities to base games off of the idea. It has produced a game based on a “Mystery Date,” where players must race around the board, getting ready for a mystery blind date with one of the boys from High School Musical. Not only is the person of the date in question, but whether the player can even be ready for the date in time is one of the driving forces of the game. Whichever player can race around the board and complete all of their tasks in time will be the winner.

Another High School Musical game is one in which players have to prepare and be ready for the audition. Trying out for the school play was the major theme in the High School Musical movie and in this game, players can feel the same rush of emotions as the characters of the movie did, trying to perform well and land the part. These games give teenagers a chance to experience some of the fun of one of their favorite movies while still giving them the opportunity to interact with each other in a safe manner.

Other, popular action movies can also provide the chance for some fun games to be produced. Pirates of the Caribbean and Transformers have both given their images to a number of games. You could find a Pirates of the Caribbean edition of Life or a Transformers edition of Risk. These games take the excitement of the movies they are based on and allow different teenagers to feel the same thrill they might have found in the theaters in the comfort of their own home. Again, they allow teenagers the chance to interact with each other in an environment which is safe and might keep them out of trouble which they may otherwise get themselves into.

This isn’t to say that traditional games aren’t popular with teenagers as well. Monopoly and Clue can both provide a fun night for any number of people. Teenagers aren’t exempt from this; they only sometimes need an extra little push into feeling like they are allowed to simply enjoy a board game. There is a lot of pressure on teenagers to conform to certain ideas and peer pressure can be high. Playing board games isn’t usually one of those things that teenagers can be pressured into by their friends. However, when the game is something that all of the teenagers will enjoy, it is much easier to convince them to play the games.