Before you sign on with a financial planner, even after doing your due diligence, you still need to read the fine print of that planner's agreement. Some planners include a mandatory arbitration clause in the contract. Others may try to sneak in some type of speculative investment clause without your consent. Always read the details of any contract or agreement before you sign, as signing may revoke your legal right to contest that planner's decisions or pursue arbitration against that planner. Have a lawyer you trust look over the contract. Convey your needs, desires, and limits to your attorney so she can properly evaluate the contract before you sign. Make sure your contract ensures that your investments will be liquid (easily convertible to cash), transparent, and conducted for a reasonable cost. An important factor to consider when you sign a contract is whether your advisor follows the suitability standard or the fiduciary standard. Advisors who adhere to the suitability standard are still legally required to ensure that an investment is suitable for you, but there is no ethical requirement that the investment must be the best option available for you. These advisors usually work on commission. An advisor who adheres to the fiduciary standard is legally bound to give you sound advice that meets your financial needs, making sure that all investments are in your best interest. A fiduciary standard advisor usually works as a fee-only advisor. There are numerous methods of compensation, depending on which advisor you choose to work with. Some experts advise that the method of compensation is largely a matter of personal preference, and should not overshadow a given planner's competence and record of success. The most common payment terms are: Fee-only Your payments to the planner are based on consultation meetings, plan development, or his management of your investments. These may be billed as an hourly charge, a flat project charge, or on a certain percentage of your investments being managed. Commission-only You do not pay for advice or preparation of your financial plan, and instead pay your planner with a portion of the sale of financial products used to implement your planning recommendations. Fee-offset Profits from the sale of financial products are offset against any fees billed to you during the financial planning process. Combination fee/commission You pay a fee for advice and plan preparation, and your planner receives commissions from certain products used to meet your plan's goals. Salary Most financial planners working on salary are usually employed at a financial service institution, like a bank or credit union. The best way to evaluate your financial planner is by reviewing her track record. If your planner is doing her best for you and helping you meet your goals, you are getting good service for your dollar. Some commonly agreed-upon qualities of a good financial advisor include: Financial decisions that are based on your goals A willingness to establish your risk tolerance and make investments which you are comfortable with Objective advice without any ulterior motives or conflicts of interest Regular face-to-face meetings to review your investments
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One-sentence summary -- Read the fine print. Negotiate the payment terms. Assess your planner's performance.

If taking a bath in regular tap water isn't helping reduce the itchy symptoms of your eczema, try adding Epsom salts to the water. You can also try adding Himalayan salt instead of Epsom. Add a generous amount of saltabout 12 cup (120mL). Then, take a 30-minute bath. Then dip down in the bath so that your face is underwater. This will allow salt onto your facial eczema. Or, if you dislike the feeling of your face being underwater, try splashing a few generous handfuls of salty bath water on your face. If salt doesn't help, try adding 10 drops of an essential bath oil like lavender or chamomile. Tea tree oil is a great natural way to reduce symptoms of burning or itching sensations. While tea tree oil won't treat or remove the eczema itself, it can provide temporary relief from discomfort. You can purchase vials of tea tree oil from most natural foods stores or the organic section in large supermarkets. Tea tree oil is sometimes sold in a spritz bottle, making it easy to apply to a patch of skin. Vitamin E can also provide relief from the uncomfortable symptoms of mild eczema. Visit a natural foods store, and look for vitamin E that contains natural D-alpha tocopherol. Dab a small amount of the oil on your finger, and smear it over the part of your face with eczema. Do not apply synthetic vitamin E oil to your face, as it may contain ingredients which worsen the condition of your eczema.
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One-sentence summary -- Add salt to your bath water and soak your face. Apply tea tree oil to your eczema. Apply vitamin E oil to the facial eczema.

Some places are considered bargain travel spots all year round, such as Canada and Panama. They generally offer thrifty options for lodging, eating, entertainment, and airline tickets. You can find many of these places by choosing "everywhere" as your destination on a travel website. Another smart option is to identify a high traffic place, like Paris, and then travel to a smaller city outside of it. This is called "secondary" travelling. Most places have a tourist off-season when fewer people come and prices drop. For the Caribbean, this is usually April to August. Europe's off-season is January to March. Visitors to Africa find better prices from May to September. You can also contact your accommodations directly prior to booking and ask them when their off-season begins and ends. Off-season often coincides with less than ideal weather, so make sure that you consider this when packing your bags. If you plan to eat out, look up menus for restaurants at your destination. Or, go online and find the average cost of staple groceries, such as milk, for that area. If you are going to drive, search online for gas and toll costs for your destination. You can also buy museum or other tickets in advance, so that you'll know how much you are spending for entertainment. Start by choosing your destination and the number of days that you'd like to travel. Then, estimate how much you'll need to buy a flight. Use the information that you've gathered on food, entertainment, and other expenses to determine a daily cost of living. Add up all of your costs until you have a total estimate for the trip. If you divide your total trip estimate by the number of days you are travelling, you'll know the cost per day. This will help you to determine if you can afford a longer trip or if you need to cut it short. Look over your trip costs and see if there are areas where you can cut costs, such as eating in more instead of dining out.
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One-sentence summary --
Choose a cheap destination. Go during the off-season. Gather information on your daily expenses. Create a budget.