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My friends over at Archer Investment Management in Raleigh, NC have sent me some amazing information to share with you ~ now that you are going to be saying “I do” soon! When starting your life and retirement life together as a couple, these points will make you think~
Engaged or Just Married? Ok, Now What To Do About Money?
Couples often ask us what is the best way to handle finances together. The answer is always the same – whatever keeps your relationship happy. However, it is important for couples to talk about their financial situation and to be transparent with each other’s wishes. During this conversation, talk about your future goals and hopes for your life. These conversations should continue throughout the relationship and will evolve as life changes. Co-managing finances is not just combining checking accounts and paying bills. We recommend spending time together addressing the following items:
Financial success hinges on cash flow. It is critical to understand how much the household is spending on a monthly and annual basis. Make a budget and stick to it.
Discuss each person’s savings goals and expectation of spending. Figure out how much may be needed for an emergency fund. Some couples realize that one person’s comfort level for emergency savings is drastically different than the other. If there is already plenty of cash available for an emergency fund, what will you do with the excess? Will you open a joint account for investing those funds and can you contribute to that on a monthly basis?
Being upfront about any significant debt is important to both the relationship in general and the financial success of the household. Debt can cause problems in many ways, so it is best to have open communication about that issue immediately.
INCOME & CORPORATE BENEFITS
Typically, households do not have both parties making the exact same amount of money. Share income and future income potential with each other and be open if there are issues with a big discrepancy. Also, take time to review your company benefits together and see what each other’s options are for retirement saving and health insurance. If one person does not have a company sponsored retirement plan and the other does, engage in a conversation on how to maximize retirement savings utilizing one plan or using other vehicles such as an IRA. This is a good time to also review any necessary beneficiary designations and make sure they are updated.
Young, healthy couples have the benefit of obtaining insurance at a lower cost than older couples. Consider income replacement needs and any outstanding debt when you are factoring in how much life insurance to purchase and what type of insurance.
WILLS & POWERS OF ATTORNEY
While never a pleasant topic, it is important to discuss your plans for your estate after you pass away. This is a critical step to take in situations where couples have children and/or are in second marriages. Finally, find out your state’s requirements for both financial and health care powers of attorney and have those documents drafted as well.
FIGURE OUT THE TEAM
Finally, determine who will be handling the household finances or divide up the responsibilities. Make sure both parties are always engaged in the decisions and understand the household finances. Relationships thrive on trust and transparency, especially with regard to money. Starting off on the right foot will make a huge difference in your relationship over time. A financial advisor can go through all of this with you and help you to make great financial decisions along the way. Consider hiring one to work with you through this process. Sometimes we can see the picture more clearly as outside looking in and can facilitate some of the difficult conversations. At the end of the day, the healthiest relationships in regards to finances are ones that have open, honest communication.
Securities and Advisory Services offered through Triad Advisors Member FINRA/SIPC
Nina O’Neal, Partner
Archer Investment Management
436 N. Harrington Street, Suite 120 | Raleigh NC 27603
office 919 758 8911 | fax 919 758 8918
firstname.lastname@example.org | www.archerinvestmentmanagement.com
Securities and Advisory Services offered through Triad Advisors Member FINRA/SIPC
Excited to be a part of 2016 InvestmentNews40 Under 40! Check out the full list here: http://www.investmentnews.com/40
WOW WOW WOW…..that is still all I can say, even after a week. I have so much to say about this event, but for now, I will share some images that we took of these amazing musicians and music icons! Look for a full blog coming soon about this event and definitely more photos! We were beyond honored to photograph them and they were amazing to work with!!!
Contact: Mica Parekh @ email@example.com
(IWP Photography & Video)
ISES ESPRIT AWARD NOMINEES
International Special Events Society
Tesh Parekh, Owner of IWP Photography & Video, Raleigh, NC is an award recipient for the prestigious ISES Esprit Awards from the International Special Events Society (ISES) in the categories of Best Event Photography for Rakhee and Hiten’s Magnificent Indian Wedding. Tesh has been a special event professional for 10 plus years. In that time, Tesh has also won Best Entertainment for Weddings, presented to him by NACE for his other talent of LIVE Watercolor Paintings.
The Best Event Photography event nominated for a 2012 ISES Esprit was a beautiful multiple day Indian wedding that captured all the glamour and grandeur of Rakhee and Hiten’s special day. They wanted a photographer that would capture the details of their event, and the depth of their love, artistically.
Tesh Parekh says” “Quote”
ISES honors industry excellence through its prestigious awards program, the ISES Esprit Awards which fuel a spirit of competition within designated categories. ISES Esprit Awards gain global visibility and recognition for ISES members. It honors special event professionals who exhibit a “spirit of excellence” in their work. The importance of global industry recognition helps improve industry standards internationally and further promote our professionalism. ISES is dedicated to recognizing excellence in events and rewarding those individuals whose vision and creativity make their events “Special.” (www.ises.com)
North Carolina’s Premiere Head Shot/Commercial Photographer ~ Tesh Parekh
Do you see personality in this head shot? Do you think this gentleman is easy to speak with? Easy to learn from? Approachable, and likable? He is definitely all of that! When he came to us for his head shot, he wanted people to see these attributes through the image. I think we got it!
IWP Photography & Video specializes in head shots. When we book a client for a session, we don’t just sign them up and take their money. We learn about the client, what they are looking for, and most importantly, what they hope others will see when they look at their image.
We work as a team to insure that our clients are getting exactly what they hope for in their photos before they even leave the studio. Our process is painless, fun even and our clients receive their images quickly.
When you need a new head shot, because yours is:
~ older than 3 years
~ you don’t have one at all
~ you are rebranding yourself and/or your business
~ people need to have a clear professional image in mind when thinking of you
~ you are going on a new adventure
These are just some of the reasons why you want to call us today to schedule your head shot….this client was!
To see other head shots and other commercial business:
IWP Photography & Video
Tesh & Mica Parekh
WE are so excited to be offering Video Clips now! If you need a short video that tells anyone that goes to your site exactly what it is you do or sell, then you need to call IWP Photography!
We will take up to 45 minutes with you to create a 90 second clip for your website or your social media sites and we can incorporate sound, stills and verbage as well.
We are giving the 1st 5 people that contact us about video clips 50% off the price of the video, which start at $350
Give us a call today!
Our recent family portraits from two of our favorite locations: Durant Nature Park in Raleigh and E. Carroll Joyner Park in Wake Forest!
– Tesh & Mica Parekh
It seems like yesterday when we photographed Shawn and Doug’s e-session at the E. Carroll Joyner Park in Wake Forest! Their beautiful wedding took place on 10/10/10 at a gorgeous private home in Raleigh. It was a picture perfect day! The wedding minister was Reverend Kaylily Middleton (Tesh remembers her from one of his live wedding painting at the Matthews House in Cary). It was fun when horses from the neighborhood pasture came by to check out our couple’s portrait session! And then there was the live band! Way to celebrate a beautiful wedding on 10/10/10…
– Tesh & Mica Parekh
What a great day for a showcase! IWP was a vendor at the Simcha Showcase, in Durham, NC brought to us by the JCC. We had great fun meeting with all the families that will have Mitzvah’s and Weddings in the next 2 years! We are available for these events, and as well as event photography, we specialize in Green Screen Photography! It is such a fun way for your guests to show how glamorous and how fun they are! You don’t even need props! Even some of the other vendors came over and had their photos taken! What fun! We print on-site either 4X6 or 5 X7’s and always provide a photo folder. There are over 4000 backgrounds to choose from! We will be creating these images all over Wake and Durham County next year, will we be at your event? We certainly hope so! Take a look at some samples we created for guests on Sunday![slideshow]
We have been doing a lot of Indian weddings in the area lately and we were so glad when the Proffitt family called on us to take their family photos. Jessika and her Husband Ryan came out to have photos taken with their son, Carter. What a cutie!!! This family was great. Jessika had a particular look she was hoping for in her photos and we were able to capture it. She even got a hot shot of herself to use for her facebook page! Carter and Ryan had a great time too, and Carter got to play with Ian’s toys while Mommy and Daddy got some beautiful shots together. We enjoy working this type of shoot so much because you can’t control one thing when you are photographing children. There are no do-overs with little ones, you just have to go with it. Carter was a wonderful client, and we look forward to photographing the whole family again soon!
On Friday, Tesh and IWP Photographed a pre wedding Indian ceremony in Fayetteville, NC. If you are familiar with Indian culture, you know that Indian weddings are complex! We love photographing Indian weddings because everything is SO colorful: dresses, decorations, ornaments, food, and everything else!
Tesh drove early to be on time and was greeted by gracious Gujarati hosts. What can be better to start a shoot than a real cup of Chai! And a Gujarati dish made with beaten rice was for the breakfast- yum! Really spicy, which was a good thing after being up all night with allergies! Nothing can open up sinuses quicker than a bite of green chile!
The ceremony was to invite peace and good things to groom’s home and drive out any evil. Things happen quickly during the ceremony- and Tesh has a benefit of being multi-lingual! Tesh’s native language is Gujarati which definitely helped.
The ceremony was followed by the lunch. The Gujarati food is very different from typical buffet you find in most indian restaurants. Many of the breads are sweets and sweets are part of the meal! A typical plate will include a variety of items that are steamed, fried, spicy, sweet, sour and so on. Delicious!
We shot the ceremony with a combination of zoom and prime lenses and available light as well as flash. We have kept all the images in color to show the richness of the ceremony and celebration.
We are professional photographers that will capture any event for you! Weddings & Events, Portraits, Corporate, Commercial and more. We would love to hear from you.
– Mica & Tesh