Money Issues ??
Don't Cover Your Eyes or Ears....and Don't Run From Them...
Don't even think of sweeping them under the rug anymore !!
April 15th Tax Deadline is approaching....if you have not invested your 2007, you only have a few weeks to go. For IRA, Roth IRA, SEP IRA, Rollover, info, questions, literature requests, and to set up an IRA for 2007 and/or 2008 please call 919-577-6364
# 1 Fear that Many Have is Running Out of Money
Address any money issue head-on, and ease your burdon.
May 07, 2007 -- 70 million Americans with no retirement plan
More than 70 million Americans have no option for saving for retirement at work, according to the L.A. Times. And what happens when we don’t have options? We don’t do anything about it. One reason is inertia. People just can’t get motivated to do things on their own so they get stuck. But another reason is because all of the plans can be quite confusing. The good news is that you can now set up an automatic draft program to fund a Roth IRA. Most mutual fund companies have great plans. So, set it up and then you can forget all about it. Just make sure it becomes automatic for you.
Feb 26, 2007 -- Term life insurance can't get much cheaper
Life insurance has gotten much cheaper over the years, in part because people are living longer. Add into the mix the Internet, which has made it ultra easy to compare prices when shopping for life insurance. The result is that term life insurance costs have dropped by two-thirds in the last 15 years. In the past few years, life insurance has dropped by as much as 60 percent! That’s a great deal! So, if you bought a policy when you were 30 and now you’re 45, you can get a new life insurance policy at a much lower rate than 15 years ago. As long as your health hasn’t declined, you’ll still be able to get great deals. The only purpose for life insurance is replacement of income if you die. So, if you have a wife, a partner or kids, you need it. And, you want to buy 10 times your income. If no one is dependent on you, you don’t need to buy life insurance. Just remember to buy insurance from only top rated companies, which means they have gotten a A++ or an A+ on the ambest.com Web site.
Mar 06, 2006 -- Get a Roth for pete's sake!
A research report from the Investment Company Institute shows how well Americans are doing at saving. It seems most of us believe that the future will take care of itself. But that’s simply not true. Only 17 percent of Americans have a Roth IRA, the smartest investment tool out there. As an individual, you can put up to $4,000 into a Roth. If you’re 50 or over, you can put up to $5,000. So, if you’re married to someone over 50, that’s $10,000 a year socked away. The money you put into Roths is invested tax free, which mean you spend it tax free. You are not eligible for a Roth if you make $95,000 or more and as a couple if you both make $150,000 or more.
Oct 11, 2006 -- Credit card debt increases by 80 percent
It was seen in USA Today that families are taking on just under 80 percent in credit card debt these days. That number has gone up over the past 10 years and it means that - over time - people are getting poorer and poorer. Yes, those people will have possessions. But they will have no financial security. The only reason you want to wrack up that much debt is if you are opening or starting your own business. Inflation is not up 80 percent, so there is no way consumers can live comfortably with that much debt. Think before you spend for lifestyle!
Oct 27, 2005 -- Small business owners not saving nearly enough
Almost 19 million people are running micro-businesses in the U.S. today. That means one person is running either a full-time or part-time business, and Clark is so excited about that number. The flip side to this is that one in three of these micro-business owners have nothing saved for retirement. About a quarter have minimal savings, meaning it would not last them more than a year. Those who have saved enough for retirement is a measly 7 percent! Entrepreneurs fuel our economy, and they need to stay solvent and take care of themselves. There are special tax breaks for entrepreneurs, too. So you must consider the future while you’re working on your dream business.
Aug 03, 2005 -- Save for retirement 1st, then college
Parents are saving for their kids’ college education in very large numbers these days. That’s a great thing, except if you’re doing it in place of saving for your own retirement. According to AllState insurance, half of parents are saving equally for retirement and college. And one in seven are saving only for their children’s college and not at all for their own retirement. This is not a good idea. If you’re putting off saving for yourself, you not have had enough time to build up what you’ll need. There are no scholarships or financial aid in retirement, and you need your money to compound over time. So, as long as you’re putting the max you can into your retirement account, feel free to save for college. If you could be putting more into your retirement plan, put off the 529 plan until you get a good nest egg going. Don’t be scared by the statistics about how much college will cost. You’ll make it happen.
More Retirement Planning Information ------->> Click Right Here
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Will some people ever be ABLE to Retire ??
For the Average Person with 15 Years Left to Retire :
50 % have almost NOTHING saved for Retirement.
25 % have LESS than $ 25,000 saved for Retirement.
25 % has more than $ 25,000 saved for Retirement.
YIKES !!
Typically family has about $ 10,000 in credit card debt !
Wanted : 5 to 10 people who could benefit by an extra $ 400 – 1,500+ coming in each month. Click Here
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