Ian Oliver Mausner is a successful entrepreneur who has worked in financial advisement and money management for over thirty years. He enjoys working with investments and wealth management, and he has helped countless clients eliminate debt, save money and pave the way to financial security.
Tips like those below will give you an idea of how a professional like Ian Mausner might help you start eliminating debt and saving money, which are the first steps to building wealth and investing securely:
Some people believe in putting everything into debt repayment before you begin saving, others recommend the opposite, and each side has valid points. What matters is that you find a plan that works for you.
Research debt repayment and saving strategies so that you can make an educated choice on how you would like to go about it.
It might seem annoying to cut costs so that you can put that money into savings or to paying off debt, but it’s a necessary step if you want to achieve financial security as quickly as possible. Whether it’s eliminating Netflix or downgrading your phone plan, cutting other spending will help you reach your goals sooner.
You can also cut costs by negotiating on insurance payments, cable bills and phone bills.
Once you’ve decided how you want to go about your debt repayment and savings, and you’ve cut down on spending, automate your payments so that human error doesn’t get in the way.
This simple step can be the difference between plan success and plan failure.
Speak with a professional near you for additional assistance. Even professionals like Ian Oliver Mausner seek outside advice because, when managing wealth, two heads are better than one.
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Ian Mausner is a seasoned financial professional who worked with clients in money management for over thirty years. In that time, he helped people from all backgrounds take control of their bank accounts and find financial stability.
Among the most basic steps that a professional such as Ian Mausner might recommend that you take is budgeting. Though many people make budgets, few follow them. Tips like those below can help you break the pattern of ignoring your budget and start repairing your financial situation:
- Find a Tracker that Works.
Once you have the numbers for your budget, it’s easy to set it aside with good intentions and forget. A tracker that has your categories and limits will help you avoid this habit.
Whether you’d like a tracker on your phone, your tablet, your laptop or your notebook, do your research and find a system that works for you. Input your numbers and then, either daily or weekly, record what you’ve spent so that you can see what you have left.
When a category runs out, it’s easy to say “just this once” or “it’s only a few dollars” and keep spending. Unless it’s completely unavoidable, don’t allow it. Sure, it’ll be uncomfortable and you won’t like it, but if you’re strict with yourself, you’ll be less likely to over-spend the following month.
Sometimes the first, second and third drafts of your budget will be off. You’ll underspend in some categories and be forced to go over in others. If this happens, revise your budget as needed and try again.
If you’re having trouble with your budget, consider speaking with an experienced professional like Ian Oliver Mausner for assistance. Your advisor can give you the steps that you need to take your bank account into your own hands.
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Ian Oliver Mausner is a seasoned financial advisor and money manager who, for three decades, focused on helping his clients build wealth through investing and management.
Before you’re ready to start investing with financial-savvy experts like Ian Mausner, you’ll need to prepare. Steps like those below are just the beginning:
Investing while you’re in debt isn’t good business. Any earnings you make from investing will unlikely compare to the money you spend on interest each month that you’re in debt. Stop using your credit cards and come up with a plan to get rid of your debt.
Pick from the popular strategies that you can find online or in books and, once you’ve decided, follow one carefully until you’re completely debt-free.
Without liquid savings for emergencies and unexpected expenses, you shouldn’t be locking your money in investing. Once you’re debt-free (or before you begin paying down debt, depending on your approach) save enough money to live off of for six months. The exact amount will depend on your cost of living.
While saving money, do not touch what you have and put as much as you can into your savings every month until you reach your goal.
After you have a comfortable savings cushion and are free from debt, your first investments should be in your future comfort. If you’re not already saving as much as you can for retirement, start doing so.
Work with a retirement planner to determine how much you will need to retire and what it’ll take to get there and start putting your money into it.
Once you feel like you’re ready to invest – or even before you think you’re prepared – speak with a specialist like Ian Mausner to get started. You won’t regret the professional assistance.
Ian Oliver Mausner spent over three decades working in financial advisement and money management. Though his entrepreneurial focuses are not limited to finance-related fields, his interest in investing and financial security have not changed.
If you dream of the financial security of a seasoned pro like Ian Mausner, making a budget is among the first steps to getting there. Basics like those below will help:
- Assess Mandatory Bills.
Assess your monthly mandatories. Start with all non-negotiable bills – your mortgage and car payment, for example – and then add things that you could reduce, like gas and groceries. Calculate how much you spend each month without indulgences like stopping for coffee or eating out.
- Compare Your Income.
After you’ve assessed what you can’t avoid spending, compare your monthly income to the number you previously calculated. If you’re spending less that you’re earning, great! If not, it’s time to cut back where you can.
Groceries, gas and clothing purchases can typically go lower, and payments like insurance can be negotiated. Consider eliminating extra bills, like your television service, if you need to.
Though it might feel impossible, if you cannot raise your income above your unavoidable expenses, find ways to increase your monthly earnings.
- Set Your Limits.
Set limits on how much you can afford to spend on what each month. Use as much of your income as possible to pay down debt and save for emergencies. Once you have your limits, follow them.
Finally, don’t try to manage your money alone. Even professionals like Ian Mausner seek advisement, if for no other reason than for a second set of eyes.
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Ian Mausner is an individual who has a long history as a financial adviser, and people who are in his position often work with clients who are looking ahead toward their senior years. Retirement planning is very important if you want to be able to put your working years behind you and enjoy your active senior years. At the same time, you should also look ahead toward the period of time that will come after the golden years.
When you have been able to take care of your own affairs throughout your life, it can be hard to imagine a time when you will need help with your activities of daily living. Though this is understandable, the majority of senior citizens will eventually need living assistance. Many will reside in nursing homes, and these facilities are extremely expensive. When you hear about nursing home costs, you may assume that you don’t have to worry because you will be covered by Medicare. Nursing home care is considered to be custodial care rather than medical or convalescent care. The Medicare program does pay for convalescent care.
People often ask financial advisors about possible solutions. Medicaid is another government health insurance program, and it does pay for nursing home care. Ian Mausner lives in California, and in California, the program is called Medi-Cal. This is a need-based program, and it is only available to people who can prove that they have very limited financial resources. The limit on countable assets is just $2000. That’s the bad news, but the good news is that many things that you own do not count. Your home is not considered to be a countable asset, and there is no equity limit in California. One can maintain possession of one vehicle that is used as a primary form of transportation, and personal effects and household belongings are not counted toward this $2000 limit. Your wedding ring, your engagement ring, and any heirloom jewelry that you may have are not counted, and you can have unlimited term life insurance. This is life insurance that does not have a cash value.
It is possible to give gifts to your loved ones before you apply for a Medi-Cal to remove assets from your own name so that you can qualify for coverage if you need long-term care. However, there is a Medi-Cal look back. You have to complete the gift giving at least 30 months before you apply. If you violate this rule, your application will be denied at first until you wait out a penalty period.
An adviser like Ian Mausner may touch upon the value of a Medi-Cal trust if a client was to ask about nursing home asset protection. You could convey assets into this type of trust as you aim toward future Medi-Cal coverage. The trust would be irrevocable, so you would not be able to access the principal. However, you would be able to receive income that is earned by the trust without jeopardizing future Medi-Cal eligibility.
Ian Mausner has had the opportunity to explore a number of different areas around the country. He grew up in New York, and after graduating from high school, he went to Amherst College in Amherst, Massachusetts. This gave him the ability to take in everything that Boston has to offer, because Amherst is just about an hour and forty-five minutes away. He moved to New York City after graduating with a degree in economics, and he worked in the banking industry. Clearly, there is a great deal to do and see in the Big Apple, and his next step took him to Palo Alto, California. He attended Stanford University, and he got his MBA there. He went back to New York for nine months of training, and he returned to California to work at Morgan Stanley in San Francisco.
When you live in the San Francisco Bay Area, there are so many things to do that you have to prioritize on any given day. You wind up being unable to attend events that would have been the centerpiece of a fantastic day or evening because there was simply something better to do. This is a pleasant problem to have, and Ian Mausner was in this position when he lived in San Francisco.
There are numerous different neighborhoods in the city that all have their own unique charm. The areas around Golden Gate Park like the Sunset District and the upper Haight are very inviting. Golden Gate Park is a true national treasure that has everything that you would expect from a park and more. However, it is also the home of a couple of world-class museums. The deYoung Museum is in the park, and the California Academy of Sciences is right next door. You can also visit the beautiful Japanese Tea Garden when you are in this part of the park.
Once you have explored the museums, you can harken back to the days of the flower children and walk around Haight Street. Eclectic restaurants and watering holes abound, so you can keep yourself refreshed, and there is a vibrancy in the air because there are usually people out and about enjoying themselves. North Beach is another historic San Francisco neighborhood that has distinct Italian roots. People flock to the area for the cuisine that is offered in a number of different highly regarded restaurants. Interestingly enough, North Beach adjoins Chinatown, so you can step from one world into another by crossing a street, and this is a very unique experience.
A person like Ian Oliver Mausner could be thoroughly entertained without ever leaving San Francisco proper, but the happenings in the East Bay cities of Oakland and Berkeley are also easily accessible. This individual has been culturally enriched by his experiences in the city, and he also grew professionally when he was on the team at Morgan Stanley.
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Ian Mausner has demonstrated a very clear pattern throughout his professional career. Everything he does benefits other people in some significant way. Of course, there is more to life than money, but financial security can allow you to focus on your family and other things that are meaningful to you. As a financial adviser and money manager, he has helped countless people enjoy ongoing financial stability. He did this when he was working for financial firms, and he continued to build on his successes when he founded his own financial management company back in 2004.
This is a man who does not like to sit still very often, and he is always trying to make a positive difference. At the present time, Ian Mausner operates three different companies, and they all help people. One of the companies is a financial advice and money management concern called Evolution, LLC. The other financial oriented company is called Sunshine, LLC. Many people have good startup ideas, but they don’t really know how to turn their dreams into reality. This company provides ongoing strategic guidance for entrepreneurs who are initiating startup projects.
The third company that he is heavily involved with right now is True Love Publishing and Relationship Consulting, LLC. This company exists to provide relationship guidance. He has written an e-book that serves as a guide to successful relationship building, and it is now available in hard copy form as well. This is an extraordinarily meaningful area, and the guidance that he provides is invaluable. Sadly, a high percentage of marriages end in divorce these days, and many single people find it difficult to find that special long-term connection. Ian Oliver Mausner helps people find and maintain love, and this may be his greatest contribution as a business person.
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