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The Four Stages of Retirement Planning

06/02/2011

Retirement

People tend to get their money trapped in IRAs and 401(k)s because no one ever explained to them what happens during the harvest years. But first, let’s fully understand the four stages of retirement planning.

Stage 1 - Contribution

The first stage of retirement planning is the contribution stage. During this stage, we make contribution or deposits into investments or savings vehicles. If the account is a qualified plan, we are allowed to deduct those contributions from our gross income on our tax return or contribute money with pre-taxed dollars. (Otherwise, the contribution would be done with after-tax dollars.)

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Eight Steps to Investment Success

05/12/2011

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1. Convert income dollars to capital dollars. This is just another way of saying that you must spend less than you earn. Capital (as in capitalism) is required to begin any kind of investment program. Once you have amassed some capital by saving, then your money can begin to make money for you. No capital, no investment income.

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The Power of Compound Interest

05/12/2011

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Compound Interest

You may have noticed something interesting about the growth of that $10,000 stake to a sum greater than the wealth of the world. In the first few years, the amount of money involved grew at a substantial but not unimaginable rate. Then it began to soar. This is an example of compound interest in action. That $10,000 was growing at an annual rate of 100 percent, compounded twice a year. That is, interest was paid on the original principal and the accumulated interest as well.

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How To Attract Money

04/30/2011

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Money

Money can be your! Never doubt it! If you are one of those people who have suffered lack and deprivation, you will know the value of money. You should not only need money; you should have all you required! That’s easy to say, but how to obtain the money you need? This is the question.

Of primary importance is your belief in the availability of money, which means the end of the defeating thought that there just isn’t enough money to go around.

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How to Buy a Franchise

04/21/2011

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There are two ways to become your own boss: You can either start your own business or you can buy a piece of someone else's.

The second method is called franchising. There are about 650,000 owner-operated franchise units in the U.S, ranging from fast-food restaurants to education services. Franchise make up 35% of the nation's total retail sales.

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Social Security Tips

04/21/2011

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Social Security

Guarantee smooth and fast processing of your Social Security retirement application by remembering this advice.

DON'T WALK INTO THE SOCIAL SECURITY OFFICE UNANNOUNCED

Save time and aggravation by scheduling an appointment ahead of time with your local Social Security office. You will avoid the potentially long wait at the office for walk-ins.
Bonus: You may be able to complete your application by telephone. (You will be given directions for mailing supporting documentation.)

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The Spiritual Secret to Attract Money: How to Be Rich Naturally

04/09/2011

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Money

Money is universally-regarded as the “cruel-all” which can solve all problems on the face of the earth. In a sense this is true because it is the short-cut towards obtaining one’s basic necessities in life. Most convenient, too, money affords us the opportunity to lessen physical efforts.

It may be pointed out that, in ages gone by when money had not yet been thought of, we merely exchanged goods and services for another. It was known as the barter system. For example, if you desired someone to plow your farm, you might have offered him ten chickens for that job.

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How to Make Most of Sales

03/22/2011

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grocery store

In my family, we can go through four or five boxes of breakfast cereal per week. And in case you hadn't noticed, those of wheat, oats, corn, and sugar have crested $4 in many stores. The kids, alas, also drink a lot of soda, and we like a certain brand of frozen noodle dish.

And so we keep a close eye on supermarket flyers for sales and when we find one we go out and pick up a "few" - as in a few cases of 24 boxes of cereal, a half-dozen flats of 24 soda cans each, and a whole bunch of frozen noodles.

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Know How to Return a Mail-Order Purchase Properly

02/15/2011

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One of the best things about buying by mail order is the ability to send back your purchases if they don't work or if they don't match your expectations. Reputable mail-order houses are very good about taking back returns for most any reason.

But you've got to know the rules. Before you make any purchase by mail, phone, or by Internet, be sure you carefully read the return policies. Keep a printed copy of the policy until you're certain your order is exactly what you want.

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What Co-Makers Should Know Before Signing A Loan

02/01/2011

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Co-signing of loan

Think twice . . . and maybe three or four times . . . before you cosign someone else’s loan. Think about it this way: If you are being asked to cosign, you’re being asked to take a risk that a professional lender won’t take. If the borrower met the criteria, the lender wouldn’t be asking for a cosigner.

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