Five Secrets By Marilyn Tam

Five Secrets By Marilyn Tam

Five Secrets to a Happy, Healthy & Successful Life You make well-meaning resolutions to improve your life. But your resolutions fade under the stress of multiple demands on your time and attention. Oftentimes the resolutions are history before the month is done. How can we ensure that we actually benefit from the good intentions that we made with such conviction? Many years ago I made an earnest resolution to work less and to spend more time on my personal life, family and health. Being a type A personality, it was easier to say that than to follow through. By late in the same month, as I am running through another airport, I realized that I am already back to my old pattern of working seven days a week. On the next plane ride I took the time to ask myself a few hard questions. From that experience I developed these Five Guidelines to have a Happier, Healthier and more Successful Life. Isn’t that what we are ultimately after? 1.      Make resolutions that you can manage. Specify your desired end result and make the goals measureable. For example, instead of saying that you want to lose weight, give yourself a specific time frame for a number of pounds or inches broken down into smaller pieces so that you have incremental targets…

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Are Americans Retiring Early Then Running Out Of Money?

Are Americans Retiring Early Then Running Out Of Money?

Confused might be the best word to describe the understanding of retirement for many Americans. According to a recent survey undertaken by Genworth (GNW) on retirement readiness for American adults nearing an end to their working years, it was found that many American have unrealistic expectations. The actual problem as cited by the report lies in the fact that Americans are retiring earlier but they are ill prepared for retirement. Under estimating retirement expenses and a number of other unrealistic expectations means that retirement becomes very tough. Lack of adequate preparation in readiness for retirement means retirees are at risk of outliving their retirement savings. A recent trend indicates that Americans struggle with their retirement. It is confirmed by the Genworth study which indicates that 73% of Americans are confident that they will retire as planned yet only 48% of actual retirees retire. Another highlighted problem was the fact that middle class Americans place paying debt as the greater priority when compared to saving for retirement. It is best explained by a study by Wells Fargo (WFC). Well, it is a splendid choice but little is left for a retirement savings account once the bill is paid. The Genworth report exposes that expenses actually rise in retirement as is the case with 65% of retirees. This is contrary to popular…

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Begin Planning Now: The 4 Strategies towards a Brighter Financial Future

Begin Planning Now: The 4 Strategies towards a Brighter Financial Future

Planning for the future is something many people are not really keen about. For many people, procrastination is their habit always saying that they will start saving and planning tomorrow. The most unfortunate part is that the tomorrow comes and passes. Years and even decades pass without realization. The result is that retirement and even emergencies come and people are not prepared for these eventualities. Situations such a young age and tough economic times blur the need to prepare for the future. In such times, people are bound to live in the present and in the struggle to make ends meet. The last thing in their minds is the tomorrow which will seemingly never come. Emergencies and other needs that call for some planning are usually around the corner. Irrespective of being healthy or unwell; old or young, decent salary or no salary, you should start planning for the future right now. Here are suggestions to use when planning for the future: Acknowledge uncertainties Unexpected things are bound to happen. People prefer not to dwell on such thoughts which are considered unhappy and not peaceful. Even though it is not healthy to dwell on the negatives, the acknowledgment that health issues, injuries and other setbacks may happen goes a long way in planning for the future. Injuries happen every day…

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What Business Owners Can Do to Plan Their Financial Outlook for 2014?

What Business Owners Can Do to Plan Their Financial Outlook for 2014?

Many small business owners lament that the past few years have been difficult financially. Yes, the recession hit hard and the recovery is going slowly. However, with the proper planning, any business can thrive no matter what the economic landscape. Unfortunately, many small business owners are so busy putting out daily fires and just trying to stay afloat that they never take the time to plan. That’s a mistake! So if you’re ready to make 2014 your best year yet, here are the key financial planning items to focus on for both the short- and long-term. Reduce your debt. If you’re like many small business owners, you may have financed your business on a credit card or through other personal loans. Now that debt is hanging over you like a dark cloud. Even worse, you’re likely putting any profits you make back into your business rather than putting more money toward paying off your debt. If your debt load is large and dragging you down paying it off can seem like a daunting task. The key is to stop trying to pay every creditor off at once. Rather, pick one creditor, preferably the one you owe the least to, and focus on paying that one off first. Pay the minimum on all your other debt, but put as much as…

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4 Essential safe money retirement

4 Essential safe money retirement

Retirement is an inevitable phase and you can’t escape it. Many people feel that life after retirement literally comes to a standstill. Lack of regular income source makes people feel in this way. In addition to that, there are credit card debts, mortgages and other bills to take care of. All these financial obligations can make it extremely difficult to live a debt free happy life after retirement. However, it’s possible to relish financial freedom even after retiring from your job. Wondering how? Go through the following section to know how.   4 Safe money retirement options that may help in the long run   Here are some vital tips on safe-money retirement options that may help you to secure your life after retirement. Have a look at the tips below:  Eliminate your debts for safe-money retirement: Retiring with debts can be troublesome. So why risking your financial stability by neglecting debts? Pay off your debts instead. Debt management isn’t that easy a task either. You need to negotiate with creditors, prepare a suitable repayment plan and follow that regularly to do away with your debts as early as possible. You may consult professionals to convince your creditors and get the desired reduction on your due debts. It may take time to eliminate all of your debts and save money….

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Tips on Retiring Early by PREtirement expert, Kris Miller

Tips on Retiring Early by PREtirement expert, Kris Miller

What Are Other Options to Protect Your Money? Another option is a deferred annuity. Again, these annuities are like savings accounts with an insurance company that gives you a guaranteed rate that’s tax deferred and gives you luquidity so you can take ten percent out every year without a penalty. Now remember! Not all annuities are created equal and they all have specific purposes. Annuities out there are created and designed to protect your assets for Medicaid spenddown incase of a catastrophic illness or nursing home stay. What we want to do is design one that fits you.

Get What You Need

Get What You Need

Can you get what you need? Baby Boomers! Remember that old song by the Rolling Stones: “You can’t always get what you want.” But you get what you need. Well nowadays you don’t even get what you need! When you go to a hospital, they will get you out of there because of the DRG rule. What does that mean? The DRG rule means: “get ‘em out of there as soon as possible.” So you will be out of there within three days. If I break my legs skiing, where am I going? I’m going to a convalescent home. And how am I going to pay for that? That’s why it’s so important that you do pretirement planning now! And make sure that you and your loved ones are covered for all the unforeseen events and then you will get what you need.  

4 Strategies for a Brighter Future

4 Strategies for a Brighter Future

When it comes to planning their financial future, many people follow the same philosophy: “I’ll start saving and planning tomorrow.” Unfortunately, tomorrow comes and goes with the beginnings of a plan still not done. Before they know it, years and even decades have passed, and they’re still not prepared for retirement, for emergencies, or for any number of things that could happen. Granted, when you’re young or when the economy is tough, the future and all the “what ifs” are the last things on your mind. You’re living in the now, making ends meet the best you can, and tomorrow seems like something that will never come. Realize, though, that an emergency or other need for planning may be just around the corner. So whether you’re young or old, earning a decent salary or just barely scraping by, healthy or unwell, the time to start planning for your future is now. Following are some suggestions to get you on the right track. Acknowledge the Uncertainties Any number of unexpected things can happen to anyone. Most people don’t think about these things because they’re not happy thoughts. And while you definitely shouldn’t dwell on the negative or worry about things that haven’t even happened yet, you should acknowledge that health problems, injuries, and setbacks happen to everyone—even you. For example, a…

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Understanding the Revocable Living Trust

Understanding the Revocable Living Trust

The revocable living trust is a legal document that was created by an individual named as Trustmaker, who possess and own funds. In most cases, Trustmaker also becomes the trustee, although some wealthy individuals may choose to have the opportunity to manage their trust assets. Living trust is much like a will. Include details and instructions on how you want your estate to be driven to his death. However, contrary to the will, a trust funded properly such as; your funds do not go through probate. It prevents the courts from controlling your property at incapacity. Gives you control over the assets you leave to your minor children or grandchildren. A title or property makes trust to be effective. Remember, when you transfer ownership of its assets in the trust, it is considered as Funding a trust. Financing is the process of transferring the name of the account or property on behalf of the trust. The people involved in revocable living trust: 1. Grantor – this person could be the creator, settler or trustor who sets up the trust. 2. Trustee – this person manage the assets in a trust. 3. Beneficiary – this person will receive the trust. With revocable living trust, you won’t lose control of your assets. The living trust is a legal document that allows you…

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True Freedom & Faith

True Freedom & Faith

Kris Miller has entered the music realm like a streak of lightning. Bringing with her a new sound and freshness that stirs the soul. In the few short years since she released her first CD, Alive And Well, she has gained popularity around the world and grabbed the attention of the people. Her songs reflect the wisdom and joy of her life, which is a story of devotion to Almighty God. Both her peers and those in the music industry have honored Kris with many awards for singing and songwriting. Recently she was chosen New Artist of the Year from the Gospel Music Tour Convention. She won first place out of hundreds of entries in the songwriting contest during Inspirational Country Music Week (ICM Awards) put on by the Christian Country Music Association. Her music is crossing over into the many different types of radio play because of its uniqueness and her ability to lighten the heart of her listeners. To understand why her sound is so sweet and different you must look at her life. Kris comes from a place of living now in the Kingdom of God. She will tell you that she felt God calling her at an early age and that it was her destiny to be a part of a global communication to heal the…

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