The time to start the retirement planning process was yesterday. With Social Security being threatened and more and more baby boomers reaching retirement age, government funds meant to assist you during the golden years will become less and less available or be gone altogether! Thats why a solid plan is a necessity for those quickly climbing towards the age of 65. br /
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When considering where to begin, its necessary to ask yourself a number of questions about how you view your retirement years. Consider how much you will need to live comfortably when retired. The word comfortably is key. br /
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Then, consider a href=http://www.twintierfinancial.com/the_uncommon_cents/2008/05/retirement.html target=_blank401k maximum contributions/a. This can be tough, I know. Theres a lot of debate going on right now over a a href=http://www.twintierfinancial.com/the_uncommon_cents/2008/11/roth-vs-401k-who-wins-no-one-will-ever-tell-you-this.html target=_blankroth IRA vs 401k plan/a. The advantages and disadvantages often vary from person to person, but depend heavily on what you think the future will be like.br /
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Are you the type of person that thinks taxes will increase over time? If so, then a traditional 401k plan is not going to be the best option. If you believe that taxes will go down in the future, then the 401k plan will probably produce decent results for your investments.br /
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Are you used to eating out, going on vacation, etc.? Do you have any hobbies? You will have to take that into consideration when considering your plan Also plan on how long youre going to be retired. Twenty years ago, once you reached retirement age, you were only retired about 10 years before your expected death. br /
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Nowadays with our medical advancements people are living 20 to 30 years into retirement. So, if you dont plan out far enough, you will run out of money and possibly be a drain on the rest of your family. Think about your goals for retirement. br /
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If you have some kind of financial burden or burdens that have kept you from doing some of the things youve always wanted to do, such as travel, then research how much youll need to have each month in order to attain that goal of an excursion to Europe, Asia, or a simple road trip in a motor home.br /
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If health is a concern for you or your spouse, consider what you may need to set aside for nursing care or residence in an assisted-living facility. Will you need long-term care insurance or will your savings vehicles be sufficient in case an emergency arises?br /
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After youve done some calculating, its time to figure out which financial products will help you accomplish your goals. If youre starting your retirement planning at a late age, you may need to choose products that will require you to assume more risk but allow you to acquire the funds youll need more quickly.br /
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Lots of individuals find retirement planning to be incredibly complex or overwhelming. Dont be overwhelmed. Contact a professional financial planner if you are ready.br /
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The Headlines of late have read.. BABY BOOMERS CANT AFFORD TO RETIRE, WEALTH PLUNGES AS SHARE AND PROPERTY MARKETS SLIDE, FUND MANAGERS CLEAN UP IN SUPER BLOODBATH.br /
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While all this has been going on, financially educated individual investors have continued to make profits on their investment income funds. One has to ask WHY? Why can’t the large companies, with all their experts, make money on our behalf, while individual, educated investors continue to make 5% plus monthly?br /
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Perhaps the difference is focus, while individual investors are only focused on realizing profits; large companies are also focused on their own share prices, the welfare of their investors, their own large salaries, which don’t rely on making profits for their members.br /
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Of course, people use these funds because the expensive advertising campaigns promote the wonders of their expertise, the safety of their company and their high profit returns. In doing so they take charge of billions of dollars of investor’s funds, skim off their fees, and what is left is returned as a profit or loss to the fund members. br /
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People use these funds because they believe Investing is too complicated, or they don’t know how, or they would rather be on holidays from their work, than worrying about their money. But the cost of these beliefs is remaining at the mercy of the large funds.br /
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The alternative is taking control of our own financial future, taking responsibility for our own lives and as with any other pursuit, educating ourselves for success. But while we will spend large amounts of time and money on education for our job, we are strangely reluctant to educate ourselves for financial freedom. While we are locked in to trading 40+ hours a week for an income, working for our money, we will not make the effort to learn the time proven ways to have our money work for us. And so we are slaves to the money we work for and don’t have time for lifestyle.br /
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So the baby boomers can’t afford to retire and must keep working, enslaved by the mediocre income provided by their job. Facing governments who are increasingly pushing back retirement age and insisting potential retirees continue working. br /
But it is not too late, even now by linking with Millionaire Mentors, and acting on what is learned, we can set ourselves free. We can live the dreams, build a lifestyle beyond the work cycle. There are many strategies, low risk strategies, for building money and setting ourselves free. We explore many of these at a href=http://www.powernicheprofits.com/?vip=2110 target=_blankmoney/a Captainslacko, where we are dedicated to providing free information to get new investors started. We are limited in what may be presented, as we are not licensed advisors, however, we also provide introductory links to qualified advisors and programs to accelerate your wealth building portfolio with maximum return with minimum risk.br /
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If you are struggling to retire, take courage now and act. Let the learning begin. Set yourself free. If your Superannuation fund is not making you money consider setting up your own self managed superannuation fund and make the profits for yourself. But most of all, take hold of the steering wheel of your own life and drive it for yourself.br /
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It should be started with that silver bullion bars (also referred to as silver ingot bars) generally consist of 99.99% silver and range in size from one ounce to 5000 ounces. The most popular with investors are the 10-oz and 100-oz sizes. The 5-oz, 25-oz, and 50-oz size bars, which were produced in the early 1970s, are difficult to be found, though sometimes it is possible for the collector who searches very carefully to find these silver bars on popular online auction sites .br /
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It is also an important thing to be mentioned that silver bullion bars, unlike silver coins, are first and foremost an industrial product. So, it means that they are intended to be used as a storage means and are consider a trading medium. In addition, they are very liquid, but should be purchased strictly as an investment and not used for bartering purposes.br /
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Talking about the advantages of owning silver bullion bars the following points must be named: br /
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1. Uniform size. It makes them easy to handle and convenient to store. br /
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2. Recognizable hallmarks. It makes them readily accepted for resale and easily convertible to cash. br /
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3. Compact size. It makes them ideal for investment, because investor is able to secure a large amount of wealth in a relatively small storage area.br /
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It will be useful for you to know that the 100-oz silver bullion bars are often called investment bars, and the reason is that collectors who purchase them usually do so for investment purposes, not as a hedge against inflation. It should be also pointed out that these type of collectors will often sell when silver prices go up. The reason that The 100-oz silver bullion bars offer a low markup over the spot price of silver makes them rather desirable for investors though they arent as flexible as the 10-oz variety.br /
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Johnson-Matthey and Engelhard created the most popular silver bullion bars and although they are two of the worlds largest refiners, they have not mass-produced silver bars since the mid-1980s. It simply means that Johnson-Matthey and Engelhard silver bars are only available when other investors decide to sell. Engelhard is renowned for producing quality silver bullion bars that are accurately stamped with the exact pureness of the silver that is contained in the bar. As a matter of fact investors are sure that the Engelhard symbol gives them the ability to buy and sell silver bars with total complete confidence, all around the world. The 100-oz Engelhard silver bars are an excellent way silver bullion investment because of their low premium over spot, compared with silver bullion coins.br /
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In 1817 Johnson-Matthey was founded and it has an unrivalled reputation in the precious metals field, due to its technical excellence and quality. The truth is that Johnson-Matthey 100 ounce silver bars are always in high demand for collectors’ and investment’s purposes because of their confidence in the company. Purchasing a Johnson-Matthey silver bar an investor can be sure in its quality, purity, liquidity.br /
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So, you have some free funds and you think to invest it in a href=http://hyip-info.blogspot.com target=_blankHYIP/a. While investing your money on hyip field can bring a lot of profits for us, you have to understand that hyip is a really high-risk arena, where you will be surrounded by so many scammers ready to take your money away. Investment in general view is a matter of taking risk, and you, as an investor, should not think that anything will be just investment can go wrong so you need to be careful.br /
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While hyip arenais full of risk, and probably it is even lot dangerous then gambling, there is still a good tips you can follow while investing your funds in any HYIP programs. The strategy is having your initial investment out of the program as soon as possible. Yes, put your initial funds and just keep re-investing the profits you made from that program. If you like, you can also just invest half of your interests and keep the other half for you. This way, you will be making some money while keep continuing your investments for more profits. br /
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You are probably thinking why you need this precaution when you exactly know that the program you join has a steady performance since last year. You believe that the hyip program is the greatest one. You probably has missed the little print posted on that site which stated that their past performance can not be used to judge their future performance. You probably missed the print that stated there is no guarantee of payment. And this is very true. You can not judge their future performance based on their past performance. Just being excellent for one year doesn’t mean that the hyip program will not close the door and run with your money. There were too many excellent hyips that finally closed their site and left their investors with empty purse.br /
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Some hyip programs will pay you profits into their internal accounts system where you can cashout anytime you want. If this is the case, it will be better for you to cashout the money as soon as possible, do not let it accumulate. Once again, the money is still on their system, so any time they close the door you will still lose your money. br /
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Some hyip investments offer compounding feature, where in theory, it will add your profits a lot. Most of the time, I will suggest you to not choosing compounding your interests, just cash it out as soon as possible to reduce your risk. However, if you have had your initial investment back, compounding your profits can add much more funds for the long term. However you should balance the percentage, let’s say just compound 50% of your profits and you cashout the other half.br /
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One rule that you need to remember when investing your money on hyip program is “Greed is not good”.br /
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With the recent rash of dividend cuts by historically dependable dividend-paying companies, income investors are finding it increasingly challenging to find safe a href=http://www.doubledividendstocks.com target=_blankdividends/a. Indeed, Standard Poor’s expects 2009 to have the biggest drop in dividend payouts since 1942. The market decline has created many accidentally high dividend paying stocks, as companies who’ve maintained their dividend payouts in spite of share price declines suddenly find themselves paying out record high dividend yields. The other edge to this sword is that many companies are slashing their dividend payouts to conserve cash, reasoning that their lower payouts still offer a strong yield, given their lower share price.br /
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In addition, the increased volatility associated with the market’s decline has devalued investors’ principal, leaving them with less capital to invest, if they choose to rebalance their portfolios.br /
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A useful, conservative strategy that actually capitalizes on the market’s volatility to lock in high dividend yields is the covered call selling technique. br /
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The increased market volatility has increased call option premiums, giving investors the opportunity to sell high yield covered calls on many stocks, in effect giving them a one-time “double dividend”, reducing their initial investment cash outlay, and also offering them some downside protection. Since no company can cut the premium on their call options, investors using the covered call selling strategy receive an irrevocable cash payout thats essentially an “ironclad” dividend. Indeed, the current call premiums are often giving investors higher cash payouts than the underlying stock dividends. So, even if the company does cut its dividend, the investor will still retain the premium from his covered call sale. In addition, a call seller receives the call premium money back into his account upon settlement, (usually trade date plus 3 days).br /
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Covered call writing also benefits investors looking for secure dividends by giving them a third potential profit: capital gains. By selling covered calls at a strike price approximately 5-20% above the stock’s current price, investors give themselves the potential for an additional 5-20% profit, should these stocks rise past the strike price + covered call premium thresholds by the end of the investment term . Given the historic lows that many companies’ share prices have fallen to, many traditional value investors feel that they are buying these stocks at undervalued prices, and reason that there’s a very good chance of them rising in the future.br /
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Covered call selling quantifies the upside limit and downside break-even point, giving you a more clearly defined trading range than if youd just bought a stock without selling calls against it.br /
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Your downside break-even point equals:br /
cost/share - (sold call premium you received + dividend payout)br /
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Your maximum resale price: call strike price + sold call premium you received.br /
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The closer your call strike price is to the underlying stocks price, the higher premium youll receive, and the more downside protection youll gain. However, youll give up some upside profit potential by selling calls at a lower strike price, so, you your strategy will depend upon how bullish you are about the market and the particular stock.br /
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WARNING: avoid selling calls more than 3-4% BELOW your cost/share, as this will cut into your profit, should the stock be called away at expiration.br /
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copyright 2009 DeMar Marketing. Author: Robert Hauver - publisher of a href=http://www.doubledividendstocks.com target=_blankThe Double Dividend Stock Alert/a, a monthly e-newsletter featuring high yield strategies for income and value stock investors. If youd like more info about getting specific stock picks using this strategy, please visit us at www.DoubleDividendStocks.combr /
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(The information in this article is for informational purposes only and should not be used solely for any investment decisions. Author not responsible for any errors or omissions herein or any losses sustained by third parties based on the information in this article).br /
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