Aventinerei | Keeping Your Finances Stable
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ABOUT US

GET TO KNOW US

Aventinerei.com is your no.1 financial advisor nationwide. The goal is to help people who are struggling with their finances in different levels. We certainly understand the feeling of being broke from time to time and just earning to get by.

 

In our company, you will learn the secret formula on how to manage your money well whether you are earning just to get by or a lot even more.  Our team is composed of well-experienced advisors who also experienced bankruptcy then found the right formula to turn their life into a better one. We know you want it too, so join us!

OUR JOB

Looking for professional help when it comes to your finances? Well you just found the answer! We are your no.1 adviser when it comes to financial issues. If you are tired of the cycle of your finances, earning big but still nothing left, we will help you fix the issue of why this is happening to you.

From Our Latest Articles

Avoiding Disreputable Precious Metals IRA Companies

When making plans for the future, it can be dissuading when we discover that there are companies out there who are merely looking to take advantage of us. However, the same can be true for any industry, and rather than shy away from the industry, we just need to be more educated when searching for a solution.

Becoming familiar with the more unsavory acts a minority of companies try to carry out means that we will only be paired with a reputable and trustworthy Precious Metals IRA provider. This will ensure that you can confidently build a financial future without having to worry about a business failing or surprise fees.

Don’t Be Fooled into Purchasing Rare Proof Coins

There have been companies in the past that have misled the customer into parting with their hard-earned cash into a Gold IRA rollover, then using the process to invest in rare proof coins.

This is not in the best interests of the account holder, as the only coins that should be purchased are bullion coins. This is because the value of the gold held in a Gold IRA account is normally based on the gold content as opposed to their rarity.

This kind of practice can cost investors a lot of money, and only look to benefit the company. Go to mineweb.net for a more in depth guide on gold IRA rollover process.

Ensure That the Storage of Your Precious Metals is Above Board

When you purchase gold and have it stored with an official custodian, it’s normal practice for you to receive some certification to inform you this has been completed. If you speak to a company that is unable to offer this feature, then it could be advisable to avoid that particular company.

That’s not to say that the company is not complying with what’s expected of them, but as an investor, we need to ensure that we’re able to safeguard ourselves where possible.

If you’re not able to receive any confirmation that your account has been setup and your precious metals have been stored in the right way, then it could be that your account is not all it seems, and could consist of non-existent purchases.

Be Aware of Shaved Coins

While it may be unbelievable, there are precious metal dealers out there that will sell customers shaved coins. Shaved coins mean that some of the gold content has been removed, which can only favor the dealer. As you can imagine, those who are subjected to such a scam will find that their investment is not all that it seems.

Check the Fine Print

Regardless of what service we sign up to, there can be mountains of paperwork we have to navigate through. If the paperwork is for a service like a cable or a cell phone plan, then it’s normal for many us to skim over the details and make a signature.

However, we have to be a bit more vigilant when it comes to securing our future, especially from a financial standpoint. Read through the contract, and then read it again to ensure that the Precious Metals IRA company you plan to use is offering you the right kind of service.

If you’re in any doubt, that it can be advisable to employ the services of an attorney who will help you ascertain as to whether the contract is genuine or not.

Reject Unsolicited Calls

If you receive a phone call asking you whether you would like to invest in a Precious Metals IRA, it can be a good idea to simply end the call. Why? Genuine Precious Metals IRA companies will very rarely cold-call complete strangers, if at all.

Genuine companies will certainly follow up on any interest you may have shown in a Precious Metals IRA, but if you receive a call from a provider without ever making an inquiry, red flags should appear.

The same can apply to door-to-door salespeople. While they may be genuine, it’s not a chance you should be taking with regards to your finances.

Check For Third-Party Accreditation

While many may assume that checking of a Precious Metals IRA company can be complicated, it’s actually easier than you think. To ensure that you’re only dealing with a reputable company, you can check links and feedback via the following platforms.

  • Trustlink
  • Ethics.net
  • Mineweb.net
  • The Better Business Bureau
  • The Business Consumer Alliance

While it’s a not a necessity to ensure that the company has been in business for many years, it’s certainly something you should consider when making a decision. The reason for this is that you want to deal with a company that is both knowledgeable and experienced. This isn’t to say that the company who has been operating for less time is any less professional or reputable, but it can mean it may not have as many details about the industry as you’d like.

Check out the video below on the basics of a gold IRA rollover process:

Can Debt impact your Career Prospects?

Debt can have a huge impact on your personal life – from the stress of being contacted by creditors, to the strain which repayments can exert on your income. Studies have shown that struggling with debt can also have a profound effect on mental health, with anxiety and depression being the most commonly reported symptoms.

The stress which debt can cause has the potential to affect most aspects of a person’s personal life. What is less often taken into account, however, is the fact that our personal and public lives cannot be separated. Personal problems with debt can easily spill over into the workplace, and have an effect on general working life as well as future career prospects.

Debt and Career Path Limitations

Problem debt, in extreme cases, can lead to bankruptcy – going bankrupt can have a massive impact in your choice of career, and put it on hold altogether if you work in certain sectors.

Going through bankruptcy means that you cannot operate a business. If you already do, control of the company is transferred to a trustee and usually dissolved. Being bankrupt also means that you can no longer work as an Insolvency Practitioner, or in some jobs related to law, accountancy, or financial services. With these careers, bankruptcy causes you to be disqualified from the professional body you are a member of.

However, once discharged from the bankruptcy proceedings, it is possible to return to these positions after a certain amount of time.

Debt and Day to Day Work

Bankruptcy is usually a last resort for dealing with problem debt, but there are more subtle ways that dealing with less extreme debt can also have an effect on your career.

Firstly, the stress which struggling with debt causes can have a real impact on productivity in the workplace. Employees who have problem debt are more likely to experience anxiety – it is virtually impossible to stop worrying just by going from a home to work environment. Money worries can distract employees from the task at hand, which is likely to reduce their productivity.

On top of this, struggling with debt can have a negative impact on your career for more practical reasons. For example, if someone is being harassed by creditors, this is unlikely to stop simply because they have come to work. Taking time out of their day to respond to creditor phone calls or emails reduces the amount of time that an employee has available to work. Even a few minutes here and there can quickly add up to lost hours. The stress which such correspondence is likely to cause will also further knock a worker’s focus. Losing focus is problematic for most jobs, but for roles which involve a lot of physical work, or operating machinery, this can be dangerous as well as a nuisance.

Long-term exposure to stress can also have a real impact on a person’s mental health. Interestingly, people who experience mental health issues are far more likely than the population at large to experience problems with debt. This is likely because mental ill-health makes managing your finances more challenging, which in itself can lead to debt piling up, hence further stress, and worse mental health.

As well as this, many of the most common mental health issues – depression and anxiety included – generally lead sufferers to become more reclusive. As well as impacting personal relationships negatively, this also has the potential to affect professional relationships.

Opportunities for Career Progression

As well as the smaller ways that problem debt can affect your daily working life it can also, sometimes, impede progress.

For one thing, people struggling with personal debt, surveys suggest, are far less likely to consider a change of career – or even job – than their financially better off counterparts. Leaving a job with guaranteed, steady pay is a far more intimidating prospect when a large chunk of it is necessary just to pay the bare minimum on debts.

As well as this, the reduced performance which the stress of debt can cause could prevent you from being selected for – or even motivated to apply for – promotions. As addressed earlier, serious problems with debt can undoubtedly prevent you from taking your career in certain directions too.

Getting Help

Getting your finances under control could have a far-reaching impact on your professional life. The first step in overcoming debt is seeking help – it could be worth discussing any concerns with your employer’s human resources department if this is possible, or Citizens Advice if you are self-employed.

You might consider getting IVA advice, as this debt solution allows you to write off some of your debt without many of the career restrictions imposed by bankruptcy. With an IVA, you can even continue to run a business.

Debt can have surprising and extensive effects on career prospects, and levels of personal debt in the UK are on the rise. This means it is important for employers to be as supportive as possible towards employees who might be struggling with debt. Simple steps such as providing your employees with a quick debt awareness course can be a great way to encourage openness about problems, as well as decreasing the likelihood they will struggle with debt in the future.

Hopefully, in a supportive environment and with the best advice, those struggling with debt will be able to focus on their work fully once again.

 

Effects of Money Management

What are the effects of money management? People should have the idea about the effects of managing their resources because it will not only benefit them, it will also create a chain effect later on. As you can see some people are struggling to manage their finances which often results in people needing IVA help and advice from experts, even though they earn twice as you do, some are still struggling to budget their daily or monthly needs; therefore, there must be something wrong with the equation. As the income increase, the lifestyle also increases and that’s what most are certainly doing, which only means no matter how big you earn if you don’t apply the missing piece then you will never be financially stable. So how does managing your money benefit you? The below are some of the effects of money management.

 

Helps Us Save– Money management is closely related to saving, especially if we have a lot of extra funds. Rather than spending it all on shopping, caprices and other vices, putting it in the bank is one of the best things to do. The positive effects of saving will be highly appreciated in the long run especially when there are emergencies or financial-related problems.

 

Makes us financially responsible-If we know how to manage our money well, this is just the reflection on how we manage ourselves, our needs over our wants. Being financially literate is very important because it helps us put our hard-earned money in its right place. This also helps us from a danger of losing all our finances because of focusing only on the present and without thinking how to handle the money properly.

 

Helps Improve Economic Activity – When people know how to manage their money well, the economy will not suffer too. Money coming from loans with economic purposes like wholesaling, manufacturing, services and agriculture should be really utilized in it. This will only happen if loan borrowers prioritized the purpose of the loan. They should realize that doing this will solve the problems along the way and will eventually improve their lives.

 

Can Create Ripple Effect – If your relatives and friends notice you are successful, they will be curious and ask you how you do it. You can answer simply, “Because of money management.” Then, you can share to them the different tips on how to handle their resources well. You will be more than happy to see them learn from you and eventually improve their lives.

 

Saves you from a lot of trouble in the future – There are a lot of rich people who end up poor because they do not know how to manage their money. Admittedly, we don’t want to be like that. We don’t want to waste all our financial resources. We want to make the most out of it. We want it to grow and make some significant changes in our lives. Regret is always in the end. Mismanagement of money will surely hurt us. We might only enjoy it in the present, but we can enjoy it ten times better if we know how to manage it.

 

Develop Discipline

 

When you have a goal in life, and you are passionate to get it, then there’s one skill that you are about developing, the discipline. Discipline is the key to success, when you develop this skill whatever goal in life you want to reach will definitely be achieved, thus making you a successful person in the future.

 

To sum it up, we should remember that responsible money management is something that each of us should possess. Financial illiteracy is a great menace to the society that we should get rid of. It will only cause different problems along the way. We should prioritize money management over the stuff we want, over the things we can live about because handling our resources well will offer us a life that is productive and successful.

CLIENTS SAY