The Rewards of REST
Instead of worrying about all the money goals you haven’t accomplished this year, follow this practical guide to R.E.S.T. and rejuvenate yourself so that you can start off 2016 with a bang! Many people are now preparing themselves for the hectic activities which December brings. While the whirlwind of office parties, gift shopping and family dinners that accompanies the upcoming season is enjoyable, it can at times be exhausting.Pracitcal Tips for Buying A Car
I had made up my mind to buy a particular car (make / model) with no bells and whistles. I checked the Edmunds website and they have what is called a “Price Promise” from dealers who agree to sell the car (make / model) you are interested in at a price as captured in the “Price Promise”. So, I reached out to two new car dealers saying I have an Edmunds “Price Promise” from your dealership.Financial Planning at Every Life Stage
Just like there are four seasons in a year, there are different seasons of financial planning during your lifetime. Financial planning can help you can gain a better understanding of where you are at financially, how to prepare for challenges that may be ahead, and how to plan for where you want to go.Ten Tips for Transforming Your Relationship to Money
Love, hate or indifference… our relationship to money has a great deal to do with how we treat it. Unfortunately, when it comes to money many people are not only ashamed of the choices they made, they often struggle to understand why they made them in the first place, never mind forgiving themselves, learning the lesson and moving forward in a more mindful way.The Seven Steps To Effective Money Management
This article covers both the thoughts and the actions that are needed to achieve effective management of your money. The inner game is important as negative thoughts about money will sabotage your attempts to get wealthy. Once you have a positive frame of mind then the mechanics can be executed with a strong chance of success.4 Of the Most Important Questions You Can Ask Yourself Today
Take a moment and ask yourself these 4 questions… Do you consider yourself Financially Fit? Are you living on a written budget? Have you gotten free from the Mill stone of debt around your neck? Are you creating wealth that will sustain you and your family during your retirement years? Now is the time to get on track to your financial fitness, read on to get some answers on how you can start today.Personal Finance – A Growing Crisis, Could You Be at Risk?
The conditions that lead to the financial collapse of 2008-2009 are slowly beginning to come back to the point where without something being done we could find ourselves at the edge of the abyss again. The growth of personal debt and student debt is rising at an alarming rate all while the rate of savings and investing has again dropped significantly. While Americans are “Credit drunk” and spending more and more, The bills keep mounting and will come due again real soon. Today it’s so easy to get caught up in the borrow and spend cycle that has ultimately lead us all to the edge, staring at the collapse of the economy and of the financial systems as we know it today How’s your level of debt?Gratitude in an Imperfect World
“Each one of us, as long as life stirs in him, may play a part in extricating himself from the power system by asserting his primacy as a person in quiet acts of mental or physical withdrawal–in gestures of non-conformity, in abstentions, restrictions, inhibitions, which will liberate him from the domination of the pentagon of power.” – Lewis Mumford, American historian 1895-1990. I am thankful for learning the truth about wealth, money and the financial services industry; my eyes opened back in the early 1980’s. That was when I had the privilege of meeting Buckminister Fuller during the last…Cheques Are A Convenient Way of Transacting
Cheques are a convenient way of transacting especially where huge sums of money are involved. The machines that print cheques come in different varieties and models. There has been a steady increase in the number of business fields that are using cheque printers. This is attributed to the innumerable features that they present. Some of the reasons why you should use cheque printers include:Ending of the Year Message
How you end a year often determines how you start the year after it, and how you start a New Year often determines how you end the year. The reason most adults have no meaningful accomplishments to celebrate at the end of a year is that they made no meaningful preparations for the end of the previous years and the beginning of the year. Worse still, they do so year after year. It is a pity that out of ignorance, most adults confuse preparation for end of a year with preparation for Christmas and New Year celebrations. This article offers a very reliable guide on the ideal things to do toward the end of a year, in preparation for New Year.Saving on a Low Income
Want to have some savings but don’t earn enough? Here are a few crucial tips to make that start.Maximize the Potential of Your Business Clients
Without a doubt, establishing and maintaining retirement benefits are important for all of your business owner clients. Fortunately, we practitioners now have greater options than ever before to help our clients. Current customized specialty programs are more efficient, provide greater benefits and are now possible since the passage of the Economic Growth and Tax Relief Reconciliation Act of 2001 followed by the Pension Protection Act.Life Settlement Underwriting – The Flip Side of the Coin
Life settlements are fast growing into a staple of the insurance and financial planning world. Most financial professionals have heard of life settlements, which is the sale of a life insurance policy of a senior (age 65 and over) for a lump sum which is greater than the policy’s cash surrender value but less than its death benefit. Policies which are viable for a life settlement are generally those beyond the contestability period wherein the insured has a life expectancy of between 2 and 15 years.What Financial Advisers Forget to Tell Their Clients
A boxer never sees the big one that hits him. – George Foreman. Do you ever get the feeling that financial advisers are looking out for themselves instead of looking out for their clients? You may be right.Pros and Cons of FSAs and HSAs – Part II & III
Health Savings Account Plans – Your employer may offer the option of Health Savings Accounts (HSAs). These are coupled with a High Deductible Health Plan (HDHP). Small business owners, self-employed and individuals may also use this program.