Archive for Gaurav Bhola, MSM
How Does Disability Insurance Work? - Video Tutorial
How Does Disability Insurance Work - Gaurav Bhola from Garv Financial on Vimeo.
TUTORIAL TEXT
Welcome to Garv Financial. My name is Gaurav Bhola. This tutorial is on “How Does Disability Insurance Work.”
Disability insurance is one of the most important insurances you need for long-term financial success. When I worked as a financial advisor, I [...]
How Does a Certificate of Deposit Work? - Video Tutorial
How Does a Certificate of Deposit Work - Gaurav Bhola from Garv Financial on Vimeo.
TUTORIAL TEXT
Welcome to our Garv Financial. My name is Gaurav Bhola and the tutorial is “How Does a Certificate of Deposit Work.”
Certificate of Deposit
These are important components of a certificate of deposit or a CD, such as a fixed term, fixed [...]
How Exchange Traded Funds Work - Part II
There are several benefits to exchange traded funds over traditional investments, such as mutual funds. Here are some benefits of ETFs [...]
7Nov2008 | Gaurav Bhola, MSM | 0 comments | Continued
How Exchange Traded Funds Work - Part I
Exchange traded funds (ETFs) are relatively new forms of financial instruments. The exchange traded funds have grown in popularity by leaps and bounds in a relatively few years. In many instances exchange traded funds have eclipsed mutual funds as investment destinations. This is due to unique advantages ETFs have over mutual funds. In this article [...]
7Nov2008 | Gaurav Bhola, MSM | 0 comments | Continued
What is a 529 Plan? Part II
529 Plan Fees and Expenses
The most important thing to be aware of 529 college savings plans are the fees and expenses associated with the plan. The management of underlying investments comes with fees and expenses that are similar to mutual funds. Meanwhile, prepaid tuition plans come with enrollment and administrative fees.
Moreover, third party broker-sold [...]
What is a 529 Plan? Part I
A 529 plan is a college education tax-advantaged plan. College savings plans are meant to encourage the saving of funds for college costs. 529 college plans, are “qualified tuition plans,” sponsored by educational institutions, states, or state agencies. The college plans are named after Section 529 of the Internal Revenue Code.
The two types [...]
How to write a check?
A check is a payable on demand financial item, meaning it is negotiable once written. Checks are not meant to be post dated or future dated.
Anatomy of a Check
Date - date when the check is written (no future dating)
Maker – the person who [...]
How to Write a Check? - Video Tutorial
This is a sample check issued by any bank or credit union, very common.
Step 1
The first thing I’m going to go over is the date, your date would go here; it is the day you are acquiring the service or product from a vendor or you are mailing out the check [...]
Top Tips to Get Out of Credit Card Debt - Video Tutorial
As you have noted in recent years, credit card debt has been on the rise with the average credit debt being around $9800. I decided to do this tutorial to help my fellow Americans who are trying to get rid of their credit debt. So what I will do today is [...]
31Oct2008 | Gaurav Bhola, MSM | 0 comments | Continued
How Does Life Insurance Work? - Video Tutorial
The main purpose of life insurance is to provide risk management. What is risk management? Risk management is obtaining insurance that helps you to manage certain types of risks; in this case it is life insurance [...]
31Oct2008 | Gaurav Bhola, MSM | 0 comments | Continued
What is Long Term Care?
Why do people need Insurance? The answer is risk management. People want peace of mind and insurance is a necessary evil that provides you that peace of mind. The main purpose of insurance is to pass on the risk to the insurance company. The risks people face are as numerous as the needs of insurance. [...]
30Oct2008 | Gaurav Bhola, MSM | 0 comments | Continued
How Does Disability Insurance Work?
Disability insurance pays a portion of the insured‘s income during a disability because of an illness or accident.
Income Protection Choices [...]
28Oct2008 | Gaurav Bhola, MSM | 1 comment | Continued
How Does Life Insurance Work?
Why is life insurance important? What are the benefits of life insurance? What are some life insurance choices? These were just a few of the questions that I received from my clients when I would review some risk management strategies with them. As a financial advisor, these questions provided me a further opportunity to [...]
25Oct2008 | Gaurav Bhola, MSM | 0 comments | Continued
Top Tips to Sell Your Home Fast
Home sellers are in flux these days as they face declining home realty prices, stagnating real estate market, increased competition in the form of more homes for sale, and wary home buyers.
Statistics released in July saw a drop of 16.3% in 12 months, according to the Standard & Poor’s/Case- Shiller 20-city housing index, prices will [...]
Mortgage Refinancing for Dummies
Mortgage refinancing can help you in several ways. Refinancing can be a great tool in personal finance management, if done for the right reasons. People perform a mortgage refinance for several reasons, but below are the right reasons [...]
23Oct2008 | Gaurav Bhola, MSM | 0 comments | Continued
How Does a Certificate of Deposit Work?
A certificate of deposit or CD is a financial instrument that is offered to consumers by banks, credit unions, and thrift institutions. CDs are time horizoned investments that they are insured up to the FDIC of NCUA limits. Many consider CDs as risk free with no downside.
These fixed term investments (usually of three months, [...]
State Income Taxes Under Assault this Election by Fed Up Citizens
The tax system in the United States has been a topic of hot debate since the Boston Tea Party, when colonialists rose up against The Stamp Act of 1765 and the Townshend Acts of 1767 which further ignited passions against the British decisions of taxation without representation [...]
17Oct2008 | Gaurav Bhola, MSM | 0 comments | Continued
Well put together. 
Thank you Allison and Pete.
I am going to be adding more diverse multimedia to the site in the ...
I finally decided to write a comment on your blog. I just wanted to say good job. I ...