20-Hour OC Freeway Closure To Begin Saturday

For all my OC people. I, too, have to take the 22 tomorrow, so I hope I can get there before the construction begins!

CBS Los Angeles

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WESTMINSTER (CBSLA.com) — Portions of the 405 and 22 freeways will be closed for 20 hours in Orange County as Caltrans workers demolish an old carpool connector.

“Bridge Bash” will take place from 9 p.m. Saturday to 5 p.m. Sunday from the San Gabriel River (605) Freeway to Valley View Street in Westminster.

Crews will be razing the bridge that links the southbound 405 Freeway to the eastbound Garden Grover (22) Freeway, the OC Transportation Authority said.

Closures will include:

– the northbound 405 Freeway at Valley View Street in Westminster

– the southbound 405 Freeway between the 605 Freeway junction to the eastbound 22 Freeway

– 7th Street/the eastbound 22 Freeway at the southbound 405 Freeway junction

The work is part of the $227 million West County Connectors Project, which will connect carpool lanes on the 405, 605 and 22 freeways. The project, which…

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Social Networking Faux Pas

Hey Guys,

Tori here! Yay! I finally get to post! Hehe. I am Matt’s operations manager/co-owner of the blog. While Matt speaks about financial advising, which I am still learning about, I get to talk about other stuff. =)

So today, I want to talk about social networking. I am TERRIBLE at it! At least for a business. I know how to run my OWN social networks, but aside from talking to my college & hs buddies and my family, I don’t really get to network. I guess I never need to. Now I’ve been put in charge of the social networking and I feel like the minions from “Despicable Me”….”whhaaaaatttt?” lol.

How do you guys do this? Blog and facebook and tweet and go on linkedin and STILL know what to talk about? I am very much still learning! I’m one of the youngest people in this office as well as the other offices we have and it is me who has been given this task. I feel honored but at the same time, I’m scared. I don’t want to mess it up. When you’re young, I feel like everyone who is older and doesn’t have your position is looking for you to fail. (Not everyone, of course, but there are definitely some!) I am very excited though! I feel like this is going to be a good thing! I feel like we will be able to make some good connections on here while also generating new business.

It’s crazy because I went from having a nice, pleasant job to getting let go and unemployed for 7mo, almost losing my car, lost my apartment and had to move back home, to working for a successful financial advisor as the operations manager, getting caught up on all my bills, and moving back out soon! I don’t know if you guys believe in God or a higher power or thin air, but I surely believe in God and I feel that God has blessed me!

Now if only God could show me how to do this social networking thing, I’d be super happy! Haha!

Welp, it’s Friday! What is everyone doing this weekend? I would like to have a relaxing one…I hope everyone else does, too!

TTFN- ta ta for now! =)

Tori

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Gym workouts and sunbathing do more for your brain than crosswords and Mozart

Very interesting read…

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Article #2- What Cash Management Tools are Available?

What Cash Management Tools Are Available?

There are a number of short-term cash management instruments available to the individual establishing a sound cash management program. These alternatives include money market mutual funds, Treasury bills, and certificates of deposit.

Money market mutual funds simply pool investors’ dollars and purchase large denomination money market instruments. Individuals invest in the mutual fund for as little as $500 and receive the advantageous short-term rates.

These money market funds are totally liquid and may be accessed by check, debit card, telephone, or wire transfer.

Money market funds are neither insured nor guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although money market funds seek to preserve the value of your investment at $1 per share, it is possible to lose money by investing in money market funds.

Mutual funds are sold only by prospectus. Please consider the investment objectives, risks, charges, and expenses carefully before investing. The prospectus, which contains this and other information about the investment company, can be obtained from your financial professional. Be sure to read the prospectus carefully before deciding whether to invest.

Treasury bills are simply IOUs issued by the U.S. government to meet its short- term need for cash. They generally have maturities ranging from 90 days to one year.

The minimum face value of Treasury bills is $10,000, which makes them one of the least costly items in the money market. However, they are sold at a discount to face value with the full face amount being paid upon maturity. The difference between the discounted price you pay for the Treasury bill and the face value you receive at maturity is the interest, or yield.

Treasury bills are generally regarded as one of the safest investments available because they are backed by the full faith and credit of the federal government as to the timely payment of principal and interest.

There is an active secondary market in Treasury bills, so if you need access to your money instantly, you should have little difficulty in selling them. As with any investment traded in a secondary market prior to maturity, there is the opportunity for capital loss or capital gain, depending on the direction of interest rates.

An added advantage of Treasury bills is that they are free from local and state taxes.

Another relatively safe investment instrument is the traditional certificate of deposit (CD) that you may purchase from your local bank. Federally insured for up to $250,000 per depositor, per institution in interest and principal, CDs offer you a fixed interest rate for depositing your money for a specific period of time. If you withdraw your money before that period is up, you may be subject to interest rate penalties.

CDs may also be purchased through most brokerage firms. The brokerage firm will shop the market and find the most attractive rate for you, even if it is out of state. This is something you might find difficult to do on your own. CDs purchased this way are called Brokered CDs.

CDs are most suitable for purchasing and holding to maturity. However, you may find it necessary to dispose of CDs prior to maturity. An important distinction between Brokered CDs and Bank CDs is the different means for early redemption. With a Bank CD, should you redeem your CD early, you will typically be assessed an early withdrawal penalty. Brokered CDs trade in the secondary market which provides you with the opportunity to sell your CD at prevailing market prices, which may be worth more or less than the original amount you invested.

Brokered CDs are more complex and carry more risks than CDs offered directly by banks. Brokered CDs may not be suitable for all investors. Before you purchase a Brokered CD, make sure you fully understand all of its terms and carefully read its disclosure materials provided by your financial professional.

The information in this article is not intended to be tax or legal advice, and it may not be relied on for the purpose of avoiding any federal tax penalties. You are encouraged to seek tax or legal advice from an independent professional advisor. The content is derived from sources believed to be accurate. Neither the information presented nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. This material was written and prepared by Emerald. © 2013 Emerald Connect, Inc. 

Posted in cash management, Financial, Financial Advice, Financial Planning, Financial Services, Investment, Investment Management, Orange County, Retirement, Retirement Strategies | Tagged , , , , , , , , , , , , , , , , , , , , , , , , , | Leave a comment

Why Do This?

Hey Everyone!

So I was speaking to my operations manager, Tori, today and we were trying to figure out exactly why we are doing this blog. Plain and simply, we want to be able to reach many in the Orange County and Los Angeles County areas by explaining to them why our firm is different.

How do you tell people you are different without sounding cliche? That is what we are working on now. My goal is to educate people and get them to where they can have a comfortable and stable financial future. I started out from humble beginnings and built this business up by myself (with the support of my wife) and I want to see it succeed. I, also, want to see people in a better financial situation then where they were before speaking to them. I want people to be able to trust our firm and know that they are in good hands. I want people to know that they can use me as a resource to get their financial needs met.

So how can I convey this to people? Through this blog, of course. I want to really spend some time to get to know people, share educational articles that explain different aspects of financial advising without getting too specific, and I want to meet eyeball to eyeball to understand their family’s goals for their finances.

Please, as you read these articles and different postings I make, feel free to leave comments or questions or even give us a call at anytime! Also, we are new to blogging, so if you have any suggestions, we’d be glad to hear it! =)

Take Care!

Matt Moore
President
Moore Financial Services Group, LLC
A Registered Investment Adviser
877-212-4144

Posted in cash management, Estate, Estate Conservation, Financial, Financial Advice, Financial Planning, Financial Services, Investment, Investment Management, Orange County, Retirement, Retirement Strategies, Tax, Tax Management | Tagged , , , , , , , , , , , , | Leave a comment