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TORONTO 鈥?Investment planning can often be seen as a luxury for the financially stable but advisers say that it especially important for those who are starting out in their careers or are struggling with debt.Sometimes people think they ;re not earning enough money to go and sit down with a financial adviser or talk to a professional, said Sara Zollo, an adviser and financial planner with Sun Life Financial.I think that a mistake. I think the sooner you do... the sooner your situation will reverse itself and head into the black faster. Having a plan is valuable. ARTICLE CONTINUES BELOW Zollo says her clients range from wealthy individuals with $1 million or more in l stanley mugg iquid assets to recent college graduates embarking on their first job to those who are dealing with spending more than they earn.The initial advice she gives all clients is to first work out a budget and do a cash flow analysis that will show whether the client is runnin stanley mugs g a surplus or a deficit each month. ARTICLE CONTINUES BELOW While it is vital to reduce debt, Zollo suggests the allocation should be comprised of 80 per cent of available funds being put towards debt, with 20 per cent set aside in a temporary savings account. stanley cup 8220;Let say there is a miscellaneous expense like your car breaks down, then these people are going to use their credit card and add to their Ofxz A taste of Canada around the globe
OSWEGO COUNTY, NY 鈥?Three attorneys with the county District Attorney vaso stanley 脙茠脗垄脙垄芒鈧∶偮兟⒚⑩偓啪脗垄s office have confirmed the source of conflicts with Oswego County Court Judge Walter Hafner Jr.Judge Walter Hafner Jr.For approximately a year, Hafner has been recusing himself from several cases, reportedly stemming from pending concerns that he brought to the attention of the Attorney Grievance Committee.Hafner is prohibited from discussing the complaints because of confidentiality rules that protect the attorneys. The prosecutors who are facing allegations of ethical violations are beginning to talk. placement_509781_0_iwidth: stanley cup 100%;margin:0 auto;脙茠脗垄脙垄芒鈧∶偮冣€γ⑩偓艙There is not much to say as far as I am concerned,脙茠脗垄脙垄芒鈧∶偮冣€毭偮?Hafner said. 脙茠脗垄脙垄芒鈧∶偮冣€γ⑩偓艙I will just let them do all the talking.脙茠脗垄脙垄芒鈧∶偮冣€毭偮滱ssistant DA Mary Rain recently disclosed that more than 20 allegations of ethical violations Hafner filed against her in two separate complaints have been unfounded. Rain did not disclose the entire document, however, because several matters are still pending.Days later, assistant DA Rob stanley cup ert Genant, who was defeated by Hafner in the race for the Oswego County Court Judgeship in last week脙茠脗垄脙垄芒鈧∶偮兟⒚⑩偓啪脗垄s election, and chief ADA Donald Todd also disclosed the substance of grievances that have been filed against them.Genant said Hafner filed two complaints against him with the Attorney Grievance Committee earlier this year. He said the substance of those complaints was entirely pol |
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