 Category :: Personal Finance Articles |
Author :: Roger Sorensen  |
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| Article Title :: Early Retirement |
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| Planning and saving for retirement is a serious financial issue for most of us. We spend years building our nest egg, with the goal of stepping into retirement financially and psychologically prepared. However, sometimes retirement arrives earlier than planned on.A recent survey found that among people who retired early (before age 65), 43 percent retired earlier than they intended. For a few it was because they come into sudden money such as lottery winnings or an inheritance. But many in the survey cited “negative” reasons for retiring early including health, disability, being laid off or having to take care of ill family members. University of California researchers found th (read full article) |
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| Category :: Personal Finance Articles |
Author :: Roger Sorensen |
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| Article Title :: The Changing Face of Retirement |
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| Americans are retiring younger and leading more active lifestyles after than ever before. The Baby Boom Generation has already begus taking early retirement. In another 30 years, Generatoin X will have nearly completed the retirement transition. Both groups are changing what it means to be retired.A Wall Street Journal/NBC News poll earlier this decade provided the first strong evidence of the changing idea about retirement in the U.S. Among the poll's findings, fewer than 10% of future retirees intend to live in a nursing home. Previous generations filling 20,000 nursing facilities with over 1 million retirees during the 1990's in the last decade are not going to be imitated. Th (read full article) |
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| Category :: Personal Finance Articles |
Author :: Roger Sorensen |
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| Article Title :: Concepts of Retirement Planning |
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| Retirement planning is becoming more important than ever before beause of several powerful societal forces. People are living longer after retirement, with fewer defined benefit pension plans, the trend toward multiple job and even career changes, and rising health care costs. Added together this all makes planning for retirement more critical now than ever before.Regardless of your age, where you work or your life situation, you should start planning for your retirement as soon as you can, immediately if possible. Retirement planning can be argueably more critical than saving for a childs college tuititon. They can borrow for college, you can't borrow for retirement expenses. By b (read full article) |
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| Category :: Personal Finance Articles |
Author :: Roger Sorensen |
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| Article Title :: Retirement Options |
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| A wide variety of retirement planning options can meet your projected needs. Some are funded by your employer, others are funded by you. Keep in mind that in most cases, withdrawals made before age 59 1/2 are subject to a 10 percent penalty, and withdrawals in most cases must begin by April 1 of the year after you turn age 70 1/2.Income taxes are also due upon withdrawal in most cases. This list describes 10 of the most common options available to you.Defined benefit pension: provides a specific monthly benefit from the time you retire until you die. This monthly benefit is often a percentage of your final salary multiplied by the number of years you’ve been with the compa (read full article) |
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| Category :: Personal Finance Articles |
Author :: Roger Sorensen |
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| Article Title :: 4 Steps To Control Your Money |
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| Everyone I have ever spoken with claims to have the desire to be in control of their money. Most of these people will admit that they don’t feel like they have very much control over where their money is spent and a surprisingly large number tell that their money is in control of them. The people who feel like their money is out of control are not the same people who don’t know how to stop spending when they are out of cash, or when their checking account is perpetually overdrawn.If your money is controlling your life, you may have the feeling that you get up in the morning and go to work for the sole purpose of bringing home a paycheck and signing it over to the mortgage hold (read full article) |
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| Category :: Personal Finance Articles |
Author :: Bill G. Page |
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| Article Title :: Bad Debt Versus Good Debt |
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| “Discharge your obligations to all men; pay tax and toll, reverence and respect, to those to whom they are due. Leave no claim outstanding against you, except that of mutual love”—Romans 13:7–8 (The New English Bible).There can be good debt as well as bad debt. Good debt can be described as debt that helps you build equity or increase your net worth. For example, education loans usually are considered good debt because in the long run more education generally translates into higher earning power. Most people borrow money for a mortgage to get a home—if the home purchase was a wise investment that increases in value and adds to your net worth, then it would be considered g (read full article) |
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| Category :: Personal Finance Articles |
Author :: John Gaines |
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| Article Title :: A Guide to Swiss Banking - Part 2 |
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| In the first part of this guide, you learnt about some of the main benefits of Swiss banking. You also discovered how to open a Swiss bank account, and how to use it for savings and investment purposes. In this second part, we deal with making deposits and withdrawals.Deposits & Withdrawals
How can I deposit money in my Swiss bank account? Once your account has been opened, you can deposit money to your account in several ways:Cash depositTraveller's check depositSecurities depositTrans (read full article) |
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| Category :: Personal Finance Articles |
Author :: Brian Pollard |
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| Article Title :: Can You Afford A House? |
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| The time has come to buy a house. Questions buzz around in your head like a swarm of angry bees: “How much can I borrow? How much do I have to put down? How much will my payments be?” Well, let me suggest starting with the “How much can I borrow?” question.There are many factors you need to take into consideration when purchasing a home. First and foremost, ask yourself what size monthly payment you can afford. When determining how large a mortgage you can afford, be sure to factor in all your current expenses such as car payments, credit card bills, student loans, utilities, and the like. You may also want to factor in how much you spend on things like entertainment, eatin (read full article) |
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| Category :: Personal Finance Articles |
Author :: Denis Waitley |
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| Article Title :: Overflowing Buckets of Wealth |
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| Picture your life as a five-step stairway, with you standing at the top and Fulfillment waiting for you at the bottom. Complete this picture by placing a large, empty bucket on each of the five steps and labeling the buckets from top to bottom: Survival, Financial Stability, Quality of Life, Financial Security, Financial Independence.Your objective is to fill each bucket with dollars as you progress down the stairway, so that when one bucket overflows, it begins to fill the next bucket.The Survival bucket is how you pay for your basic needs of food and shelter. Once you've taken care of these, any extra money flows into the second bucket, which is Financial Stability. Financ (read full article) |
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| Category :: Personal Finance Articles |
Author :: Tad MacPherson |
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| Article Title :: Identity Theft Epidemic - Is Your Bank Account Safe? |
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| Identity theft is the number one crime in America. Tens of thousands of people that have always paid their bills on time are waking up one day to discover their bank accounts drained, maxed out credit cards in their name and their credit ruined.Two weeks ago I became a victim of credit card fraud…and I am as careful as you can be. Dealing with fraud victims on a daily basis has taught me to constantly monitor my credit profile and bank accounts. In this particular case someone had obtained my bank debit card Visa information and was running up thousands of dollars in charges. Had I not been in the habit of monitoring my finances on an almost daily basis I may have been writing th (read full article) |
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