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Author: Dan Keppel Publisher: Createspace Independent Pub ISBN: 9781482350821 Category : Business & Economics Languages : en Pages : 210
Book Description
$Most of us are overpaying for insurance, investments, taxes, etc$We are confused about what products/services we need to buy.$Our “advisors” are NOT acting as real fiduciaries. $We “waste” $3,000 or more each year. $$Overcharges cost us $100,000 eventually Most of us are wasting more than $3,000 every year. If we invested that $3,000 a year, we could have all the assets we need to protect our families and futures. We even waste our largest savings amount: our tax refund—they average about $3,022 a year. Every year that we overpay for services costs us $100,000 eventually. Our wasted money could be compounding at the highest rates for long-term growth. And most of us do NOT use an account that makes our earnings and withdrawals tax-FREE. For example, if our retirement funds earn 11% but the hidden fees and charges take 3%, we are going to end up with $780,000 not $1,900,000 by retirement. Adjusted for inflation, that means an income of about $1,466 a month instead of $3,333 a month. Plus, if we don't use a tax-FREE account, our pension income will be taxed at 25% or more. And don't think a company-paid pension or Social Security will save you! TowersWatson found pension underfunding is rampant. Social Security will exhaust its funds in about 2033. We know that income taxes will continue to climb to pay off two wars and two tax cuts. My conclusion is that we need to develop our own “lifestyle security”—a growing asset fund we can't outlive and that is not dependent on the government or employers. $Using the checklist below, I will help you stop the bleeding.
Author: Dan Keppel Publisher: Createspace Independent Pub ISBN: 9781482350821 Category : Business & Economics Languages : en Pages : 210
Book Description
$Most of us are overpaying for insurance, investments, taxes, etc$We are confused about what products/services we need to buy.$Our “advisors” are NOT acting as real fiduciaries. $We “waste” $3,000 or more each year. $$Overcharges cost us $100,000 eventually Most of us are wasting more than $3,000 every year. If we invested that $3,000 a year, we could have all the assets we need to protect our families and futures. We even waste our largest savings amount: our tax refund—they average about $3,022 a year. Every year that we overpay for services costs us $100,000 eventually. Our wasted money could be compounding at the highest rates for long-term growth. And most of us do NOT use an account that makes our earnings and withdrawals tax-FREE. For example, if our retirement funds earn 11% but the hidden fees and charges take 3%, we are going to end up with $780,000 not $1,900,000 by retirement. Adjusted for inflation, that means an income of about $1,466 a month instead of $3,333 a month. Plus, if we don't use a tax-FREE account, our pension income will be taxed at 25% or more. And don't think a company-paid pension or Social Security will save you! TowersWatson found pension underfunding is rampant. Social Security will exhaust its funds in about 2033. We know that income taxes will continue to climb to pay off two wars and two tax cuts. My conclusion is that we need to develop our own “lifestyle security”—a growing asset fund we can't outlive and that is not dependent on the government or employers. $Using the checklist below, I will help you stop the bleeding.
Author: Lisa Duncan Publisher: ISBN: 9781699061459 Category : Languages : en Pages : 102
Book Description
Do you wish someone had taught you about money when you were younger? Don't blame your parents or school. It's hard to learn about money management when you don't have any money. Now you are in your twenties, earning a salary, and ready to make smart moves for financial success. With easy to follow checklists and a simple-is-best strategy, you will soon be saying: * My debt is under control. * I am building a good credit rating. * I am ready for a cash emergency. * I have a clear criteria for what I can afford to buy. * I am saving for my next big goal. * I've made great retirement savings choices. * I am prepared for when I become wealthy. Whether you are struggling with your budget or confused by the alphabet soup of your 401(k) choices, this book will help you. Successful money management doesn't require a fat bank account or expensive advisor. You have all the skills required to manage your own finances. Today is a great day to start.
Author: Marie Burns Cfp Publisher: ISBN: 9780999651933 Category : Languages : en Pages : 46
Book Description
Your Amazing Itty Bitty(R) "After" Financial Checklist 15 Important Actions to Complete After the Loss of a Loved One Losing a loved one is shocking and devastating. Losing a loved one without having pertinent records in place makes a difficult situation even worse. This Itty Bitty(R) Book is intended to get you thinking and talking to the right people and taking actions that will smooth the transition for you. This book is for you, whether you: -are thinking ahead regarding your own estate, -have lost a spouse, parent, friend or other family member, -are aware of a terminal condition and trying to prepare for what is to come, or -are unsure about what is involved after the loss of a loved one and want to become more aware. If you may eventually be involved in taking care of financial matters after the loss of a loved one, pick up this vitally important and informative book today.
Author: Marie Burns Publisher: Suzy Pruddden ISBN: 9780999651926 Category : Languages : en Pages : 46
Book Description
Your Amazing Itty Bitty(R) "Before" Financial Checklist 15 Important Actions to Complete Before the Loss of a Loved One Get financially organized, update your documents, and have peace of mind that your wishes will be carried out as cost effectively as possible. Whether you: - are starting to help your aging parents... - are retired and beginning to think about the end of your life... - have been through a rough estate settling process and vowed to never put your family through the same experience... - are any age and trying to get your financial house in order... ...then this book is for you. If you want to save time, stress, money and preserve family relationships in the end, pick up a copy of this helpful Itty Bitty Book today!
Author: Marco Kpeglo Publisher: iUniverse ISBN: 1462052096 Category : Business & Economics Languages : en Pages : 172
Book Description
Get the information you need to become financially literate; this guidebook provides resources and tools so you can get out of debt, save money, and accomplish your most important financial objectives. Marco LeRoc, founder of the Retool Money Club, helps you build a plan so you can shop smarter and better; protect yourself from identity theft; cash in on the latest trends; develop a personal financial checklist; choose the right investment and insurance options. Stop fretting over the fancy words you see in contracts for financial products and services. By learning how to manage your money, you'll be equipping yourself with strategies that allow you to escape financial difficulties.
Author: Liz Davidson Publisher: HMH ISBN: 0544633342 Category : Business & Economics Languages : en Pages : 256
Book Description
Protect your money with this “accessible and practical” guide to hiring and working with financial advisors (Publishers Weekly, starred review). Hiring a trained expert to safeguard and grow your wealth seems like a foolproof decision, but it can go awry for many people. You should never blindly trust that your advisor has your best interests at heart—and while there are many benefits to working with a financial pro, there are some things you should know first. Drawing on her insider’s knowledge of how the financial advice profession really works, Liz Davidson shows how to judge whether an advisor is going to help or harm your savings. This no-nonsense guide covers questions such as: How should you decide if you really need an advisor? What financial moves can you make without their help? What important questions should you ask before trusting them with your money? What are the red flags you should run from? What does all their jargon really mean? Learn how to take control of your financial well-being—either with a financial advisor or without one. “This book is mandatory reading for anyone who wants a better understanding of how to manage their money.” —Mary Beth Franklin, InvestmentNews “Valuable tools for managing one’s personal finances for maximum results.” —Publishers Weekly, starred review
Author: Damian Birkel Publisher: AMACOM ISBN: 0814432921 Category : Self-Help Languages : en Pages : 272
Book Description
It’s been a long time since you had to search for a new job. You may be wondering, How did I get this last one so many years ago? What has changed since I last hit the job market? Have I since gathered more knowledge and experience that qualifies me for something better this time around? Where does one get started? The Job Search Checklist is your saving grace! This indispensable guide covers everything from dealing with the emotional impact of being laid off to rebuilding your professional identity. Within these pages, you’ll find solid advice on: • Developing a career plan by taking stock of your experience, abilities, and goals • Crafting an effective résumé and building Internet-friendly documents • Creating a “personal marketing plan” to promote yourself to potential employers • Finding the hidden job market through in-person and online networking• And much more!Complete with downloadable templates, sample cover letters, a range of effective résumé formats, and helpful checklists throughout the book, this invaluable resource gets you on the right path toward your next career and keeps you there.
Author: Angie Mohr Publisher: Self-Counsel Press ISBN: 1770408789 Category : Business & Economics Languages : en Pages : 256
Book Description
Learn how to grow your small business using sound financial planning. Entrepreneurs need to know how to measure the effectiveness of their operations, human resources and marketing in order to pinpoint inefficiencies and maximize profits. This book outlines all the ways to raise capital and then make it work for you!
Author: Stephen D. Gresham Publisher: Wiley ISBN: 9781118062883 Category : Business & Economics Languages : en Pages : 370
Book Description
Expert advice on building an unshakable foundation as a financial advisor to the elite The revised and updated edition of the definitive guide to growing and maintaining a financial advice firm, The New Advisor for Life explores the fallout of the market crash on up-and-coming advisors. With a particular focus on the generation X and Y concern with debt management and long-term investment, this new edition examines what young investors look for in an advisor. Today, more than ever, insight, analysis, and validation are valued, but to be truly successful, an advisor needs to walk the line between being well-informed but not appearing condescending. What today's investors want in a financial advisor is someone who can cut through the noise and clutter of the financial services industry and the mainstream media Covers the basics, from setting a client's investment goals, selecting complementary investments, and monitoring portfolio balance, to the advanced—developing a personal finance plan for your clients based on their specific needs Steve Gresham presents a 19-point checklist for financial advisors to offer their clients "life advice" Keeping clients engaged is more important than ever, and The New Advisor for Life gives the aspiring financial advisor the secrets to success normally reserved for the country's top firms.
Author: Elenor Strathy Publisher: ISBN: Category : Languages : en Pages : 169
Book Description
If your goal is a prosperous year, there is more than one way to get there. You could boost your 401(k) or invest in an individual retirement account. You can pay off high-interest debt, build your emergency fund and save for a specific goal. There are even a few things you can check off your financial checklist in five minutes or less. Still, changing your mindset is also important if you want to build wealth. If you never learn more about money, how can you make long-lasting changes or avoid past mistakes? If you're looking to boost your financial intelligence, this book is for you. Here is a little preview of the chapters contained in Financial intelligence for entrepreneurs: * Understand the art of finance and finance intelligence and why is it important * Discover the relationship between profit and cash * Recognize ratios and return on investments * Learn about income statements and balance sheets * Look into how to create a financially intelligent company...and much, much more!
Author: Dan Keppel
Author: Dan Keppel
Author: Lisa Duncan
Author: Marie Burns Cfp
Author: Marie Burns
Author: Marco Kpeglo
Author: Liz Davidson
Author: Damian Birkel
Author: Angie Mohr
Author: Stephen D. Gresham
Author: Elenor Strathy