Better home based business|tomorrow home business|home based business malaysia|david ogden - internet marketing mentor
July 5th, 2009 Desperate to Lose Weight
Desperate to lose weight?
You are what you eat
I was reading a blog today about a women who had a tendency to put on wight except when she was spending $300 a month buying products for a diet plan. Well eventually she decided to try to save the money after losing some 20 pounds, so substituted her own food and little by little the pounds came on plus more, so that now she ways 40 lbs more.
She then started to look at people who were slim and what they ate, size of meals etc and though maybe she could do that.
But surprise surprise she says "My personal goal during this time though? My personal goal is to eat slower. I can wolf down a hamburger and fries in 5 minutes" Now it does not matter how slowly you eat a burger and fries you will not lose weight.
All fast and processed food is a no no if you eat you will never lose weight and this is one of the main reasons there are so many obese people in the world, perhaps one day your take burger container will carry a health warning like cigarettes.
I have retired and do not exercise as much as I used to, but at the same time I have reduced the amount of food I eat and in fact am still able to reduce weight. If you are desperate to lose weight, you must ensure that you burn more calories than you consume by eating less and exercising more.
If you are desperate to lose weight check out the Information from TriVita on Converta the fat burning accelerator. Click Here, or to receive my FREE weigh loss Report Click Here
It may come as a surprise to you that to be successful online you need to treat your business as a business. There is no way to get rich quick despite the thousands of people who advertise that you can be earning $ thousands within a few weeks.
Working online is no different to working offline, you get paid for the work you put in and it will take 3- five years before you will be earning substantial money. The most important step is choosing a good business, what you are looking for is an established opportunity that has been around for about ten years, so that mean forget about all the pre launch specials which offer you the world and end up giving you nothing, they are no more than a lottery.
You will need to put time and effort into your business and like any business you will need to have money to get going, yes there are free opportunities, but you get nothing for free in this world, that is a fact of life.
What ever business you choose you will need to learn everything you can about it and how it works, and if you are joining an affiliate business make sure that you join under someone who is willing and able to help you, not someone who is just after your money.
I know you would all like to get a six figure income from working online, and yes you can, it will take between 5-10 years of work. If you have a normal job would you expect to be earning a six figure income in less than that time working full time? The answer of course is no, so don't get caught up in scams that promise you the earth and leave you empty handed.
A common mistake is to jump from one business opportunity to another and this can be disastrous because you will once again have to start at the bottom, it is far worse than a traditional job were generally your salary and conditions will increase when you change jobs. I was lucky to work for the same company for over 25 years and as a result retired with no debt and enough money to live on and am now building a second income.
The other thing you need to do with a home business is to continue to reinvest in yourself, learn more about the business, you can also build additional streams of income but make sure they are compatible and fit together in you life plan.
I have worked online for over ten years trying many ways of earning money and it is only in the last three years that I have started to earn an online income because I have discovered what I am good at. Along the way I have learnt many things, one of which is that for the first couple of years monthly income will be small and there is a temptation to question if you will ever make real money, but I now know that if you persevere you will.
One Interesting point I learnt this week is that 1 in 30 people you introduce into a business will understand the business and build a successful business of their own. So forget the idea of only finding 3-4 people, you need to raise your sights much higher.
If you truly wish to succeed please feel free to contact me.
You do not necessarily need to go on a diet to lose weight, what you need to do is change you lifestyle and convert fat into lean muscle by eating the right foods and exercising. If you are desperate to lose weight you need to remember this will take time and constant effort on you part but you will succeed.
Tom Venuto the author of "Burn the Fat Feed the Muscle" explains everything in easy to understand and plain language and everything he says is backed up by solid evidence.
This eBook is the accumulation of years of hard work, trial and error and invaluable experience. It is a very informative book, but dont expect to find any quick fixes.
The key principle that Tom Venuto proposes are:
Fat loss is different from weight loss
No diets - only lifestyle changes
Carb: Protein: Fat ratio around 50:35:15
Cardio AND Weight training are required for fat loss
Early morning cardio (fasted state) is the best.
No one single, rigid program works for everyone.
Find good vs. bad carbs
Find good fats and include them
Specific times to eat certain foods (carb tapering
If you are desperate to lose weight check out the Information from TriVita on Converta the fat burning accelerator. Click Here, or to receive my FREE weigh loss Report Click Here
TriVitas all new Super Sublingual B-12 contains more B-12 than the average B-12 shot. Plus, its got two major forms of B-12; its the most powerful, fast-acting supplement you can get!
Two forms of vitamin B-12:
Cyanocobalamin resides in your nerves where it heals the scars created by stress, trauma, vitamin deficiency, toxins and just plain time. This gives you energy and stamina. Cyanocobalamin may also promote nitric oxide production, which helps increase oxygen and nutrients to the brain.
Methylcobalamin is a bio-available (body ready) form of Vitamin B-12. This nutrient is immediately used by the body, whereas other forms of B-12, such as those from food sources, may take up to three weeks to be absorbed. Methylcobalamin is the primary nutrient that helps the body detoxify certain environmental toxins, such as mercury and lead.
Vitamin B-6 - helps your body break down protein and form red blood cells. B-6 is also critical to the formation of neurotransmitters the chemicals that allow the brain to perform its high-level functions, such as thinking. Neurotransmitters help a person feel better (especially under stress).
Folic Acid - plays a role in the production of red blood cells and helps lower homocysteine. Folic acid has been shown to help improve mood and also plays a key role in fetal health.
Ginseng - helps to improve mental function especially under stress. Ginseng is an adaptogen. Adaptogens help you resist the effects of stress. Ginseng helps a person concentrate longer, and do more complex and complicated tasks while resisting stress and performing better mentally. It also improves memory and your general sense of well-being. It works with Vitamin B-12 to help elevate energy levels and promote energy you can feel.
Other ingredients
Cocosin: Cocosin supports the role of the B vitamins enhancing mental energy by providing the foundational minerals upon which brain enzymes are built.
L-Ornithine Alphaketogluterate: An essential amino acid and key component for stimulating growth hormone production which helps to slow down the aging of the brain.
Biotin: This B vitamin is required to properly metabolise the B-12 you take. Without biotin, the B-12 would simply pass through your body. The B vitamins work together to complete metabolism, produce energy, and help with many other processes needed for the health of your heart, liver, lungs, nerves, brain and more.
These nutrients are delivered directly to your bloodstream by the original, patented delivery system developed by Dr. Alfred Libby.
63 people attend a Buffet luncheon which launched Sonoran Bloom Nopalea in Orlando hosted by Michael Ellison, local affiliates shared the Sonoran Bloom experience with others. A Number of new Affiliates were signed up after the luncheon
Mitch Lover a top distributor attended the luncheon with 7 guests and they were so impressed with the product and the testimonial of one affiliate who recounted a story of paying forward and giving someone who had type 2 diabetes, and was in great pain before trying Nopalea, and after 5 days the pain and tenderness has decreased and she is now able to exercise with out pain. All seven people signed up.
This was the the first of 25 cities in a tour and this evening there was a number of other guest where members of the public were be able to learn about and sample the new Nopalea drink extracted from the Nopal Cactus which grows in the Sonora Desert in the SW USA.
If you wish to reserve a place for a free Lunch and Free product at the following cities please contact me urgently:
Registration close 3 days before event
Other cities Coming soon
Charlotte NC 12th May
Kansas City 13th May
Albuquerque 14th May
Bangor 19th May
Baltimore 21st May
Toronto 2nd June
Winnipeg 3rd June
Calgary 4th June
Vancouver 16th June
Portland 17th June
Seattle 18th June
If you are interested to know more about Sonoran Bloom please
Click Here to contact me.
Sonoran Bloom Nopalea is proving to be a very popular product within the first month of its launch and already over 500 people have reserved places a a special luncheon and beveling event hosted by CEO Michael Ellison, where they will hear first hand about the product and business opportunity and also receive a sample of the fruit drink for FREE.
Sonoran Bloom Nopalea fruit drink main ingredient comes from the Nopal Cactus which grows in the Sonara desert in the SW USA. 287 scientific studies have been carried out on the health benefits of the Nopal Cactus and its properties which include protection against premature aging fighting illness-causing inflammation, promote optimal health, right down to your cells and cleanses your body of daily toxins, It probably the most research antioxidant available today.
Everything your body does and how well it performs those tasks depends on the health of your cells. No matter how healthy you may look on the outside, trillions of cells on the inside are battling multitudes of microscopic invaders, from toxins to viruses to parasites. These invaders are in the air you breathe, the water you drink, even the foods you eat. It is no wonder your inner health is threatened daily.
All the toxins surrounding your cells can trigger and feed chronic inflammation in your heart, lungs, arteries, muscles and joints. Inflammation exposes your bodys health to a wide variety of grave disorders. As inflammation increases, our cells become weak and susceptible to premature aging and chronic disease, everything from stroke and arthritis to asthma and heart disease
If you wish to reserve a place for a free Lunch and Freed product at the following cities please contact me urgently:
Orlando 28th April 1130-1PM or 7PM-8:30PM
Tampa 29th April 1130-1PM or 7PM-8:30PM
Atlanta 30th April 1130-1PM or 7PM-8:30PM
Registration close 5 days before event
Other cities Coming soon
Charlotte NC 12th May
Kansas City 13th May
Albuquerque 14th May
Bangor 19th May
If you are interested to know more about Sonoran Bloom please
Click Here to contact me.
Eskimos and sand to Arabs but as a businessman he is not to be trusted.
Today I went into the back office of Whystart 2 in order to attend a weekly training on SEO and the first inkling of trouble was the site banner saying the site is now web Rhyno, of course the training was not available and reading some of the FAQs it seems mentors on a mission has shut the site down.
I originally bought into Jag for $4,000 now its no longer available. Then my favourite site, Why Start was improved and expanded, however it now cost $20 a month. I understand that WhyStart 2.0 owned by Mentors On a Mission has closed it's doors (went out of business), under Web Rhyno I have to upgrade to pro for $99 and $55 a month come Feb. 2010.
So what this means is that all marketing efforts for this site since the start of the year are lost, now depending how you value your time this could amount to $12,000 in time and effort,. and what is the reward, another site to try and market, but gone are all of the attractive benefits.
AS I wave goodbye to my $12,000 investment I can only thank god that I have one of the best set of marketing tools still available and that is Veretekk Web 2.0 which is a secure company of over 11 years standing led by Tom Prendergast, who cares for the people he is in business with...
Sonoran Bloom Nopalea which was Launched in the USA at the end of last month is now shipping in Canada with its share and earn fast start system which offers higher rewards to Affiliates during their fist 90 days of business.
Sonoran Bloom Nopalea fruit drink main ingredient comes from the Nopal Cactus which grows in the Sonara desert in the SW USA. 287 scientific studies have been carried out on the health benefits of the Nopal Cactus and its properties which include protection against premature aging fighting illness-causing inflammation, promote optimal health, right down to your cells and cleanses your body of daily toxins, It probably the most research antioxidant available today.
Everything your body does and how well it performs those tasks depends on the health of your cells. No matter how healthy you may look on the outside, trillions of cells on the inside are battling multitudes of microscopic invaders, from toxins to viruses to parasites. These invaders are in the air you breathe, the water you drink, even the foods you eat. It is no wonder your inner health is threatened daily.
All the toxins surrounding your cells can trigger and feed chronic inflammation in your heart, lungs, arteries, muscles and joints. Inflammation exposes your bodys health to a wide variety of grave disorders. As inflammation increases, our cells become weak and susceptible to premature aging and chronic disease, everything from stroke and arthritis to asthma and heart disease
If you are interested to know more about Sonoran Bloom please
Click Here to contact me.
Website marketing, a quick search on Google
reveals over 65 Million results, with an average search of around 12,000 times per month and at the moment the popularity has been showing a rise month on month to the current level of 18,000 searches a month.
Website marketing requires knowledge and tools in orders to get to the top of search engine results
One needs to carry out research on the keywords being used to search on items you are selling, its is no use if you have a top position for a keyword no one is looking for.
Once you have researched you keyword, you then need to build a website with the keyword in the title and add relevant content content, it helps also if you keyword is part of your domain name. Many peoples website marketing efforts fail at this stage because they build complex sites including fancy gimmicks such as flash, when all that is needed is a clean fast loading site to supply the information people are looking for.
When your website is complete submit it to Google, submission is free and as Google is the main search engine of choice, there is no need to submit it elsewhere as other engines will pick up from Google.
The next stage is to use tools such as Blastomatic which can promoter your site to 12 Million sites at the push of a button. this is the first stage in website marketing.
Website marketing can take a number of months to bring in results and if you wish to retain a top position you must make consist ant effort on a regular basis using press releases and blogs to ensure new content is added to your website.
David Ogden - Helping people help themselves
Veretekk Marketing Asia
USA Office - 386 308 1956 after 6PM EST
Malaysia +60 (0)88258702
AARP Finance
AARP Finance - News
This year marks the 200th Anniversary of Darwins birth. Darwin taught the world about the effects of evolution and wrote it is not the strongest of the species that survive, nor the most intelligent, but the ones most responsive to change
During these times of unprecedented economic upheaval and great worry it is important to be able to adapt to the changing circumstances we find our selves confronted with.
The weakness of Sterling compared to the Euro and the unprecedented upheaval in World stock markets will have tested the fortitude of us all. Many British expatriates living abroad will have seen the value of their capital and income fall dramatically. Spending power has not just been eroded but swept away in a manner the like we have not seen in our lifetimes.
Whilst we can all see the symptoms of this event the causes are so complex and difficult to comprehend that many are left to conclude that there is nothing to be done. At this point it may well be worth taking a leaf out of Darwins book and considering the alternative. What must we do for us to survive these events, by being responsive to change?
UK, US and European interest rates are at their lowest levels and in the case of the Euro still falling. Any one who has money in a deposit account will have seen their interest rate halved or worse compared to last year. The UK, US and European stock markets are now at very low levels and house prices in the US and UK are falling or static. When considering where we are likely to see the fastest growth is it going to be interest rates, property or the stock markets? Nearly every financial analyst would point to stock markets as being the engine of growth.
Considering the falls we have seen, even if interest rates were to rise, double, treble or even quadruple we are only likely to see a few percentage points. The rise in house prices whilst welcome will equally take time and again will benefit those who own a house or choose to invest in property funds. The stock market on the other hand can and does produce double digit growth in not years but months.
With all the major Stock markets at their lowest levels in a decade and the Worlds major economic powers of the G7 committed to solving the financial calamity it will be the stock markets of the world that give the first signs of recovery. It will be the stock markets of the world that point the way.
In the 1950s and 60s manufacturing industries were a bulwark of the top 100 UK companies, by the 1980s these had been replaced by service industries and by the late 1990s dot coms and in the early part of the new millennium banks and financial institutions. As we draw toward the end of the first decade of the new millennium important lessons have been learnt and for all of us one of those lessons is that change is inevitable. Change can bring with it hardship and pain but for those of us brave enough to embrace it, change brings just rewards.
13 years ago Michael Ellison began his pursuit for wellness as a result of suffering a massive inflammation of the nervous system. He changed his lifestyle but want still to challenge himself taking part in annual wilderness adventures. One such adventure was in the Sonora Desert with a group of local guides.
Sitting around the campfire one night one of the guides got up and returned with some leaves and dropped them in water and prepared a drink, handing it to Michael and saying drink this its good for you, later another many left the fire and brought back a cactus and pot it in the fire to burn of the spines before peeling of the skin and passing the contents over again saying eat this its good for you you see these people had learnt many years ago the benefits of the plants of the Sonoran Desert.
Michael Ellison returned to his business and realised that he had found his field of diamonds not in some far off country but in his own backyard, a natural product that could bring great anti-inflammatory and antioxidants benefits and so Sonaran Bloom was borne.
The destiny of Sonaran Bloom Nopalea is to become a leading worldwide product in the health and wellness industry, together with its seamless share and earn success system. There are not many ground floor opportunities that occur in ones lifetime but this is set out to be one a gleaming jewel in a field of diamonds.
If you are interested to know more please contact me or For More Health Information from TriVita
Click Here
Building a home business in the present economy may seem strange when many people are losing jobs and higher cost and are forcing people to reduce spending but the other way is to show people how to earn more money. Many 401(k) plans have lost half of the retirement income.
Starting a new business will provide a new source of income to offset the losses. Everyone needs money and in the past people thought in terms of a pension but the new trend is to create residual income of your own with a part time income come from your own business.
There are also good tax advantages to be gained from setting up a home business, why be taxed on your gross income when you could be paying taxes on net income.
(Money Magazine) -- Alicia Munnell is a Harvard-trained economist. She served as an assistant secretary of the Treasury and is regarded as one of America's foremost experts on 401(k)s. You'd think she'd be terrific at managing her own retirement, but even she has to confess up to some mistakes. "When my son got married, I took some money out of my plan to help," says Munnell, who heads Boston College's Enter for Retirement Research (CRR). "And I ended up paying a 10% penalty and taxes."
In the jargon of the retirement business, that's called leakage. It's a common problem: About 60% of job switchers with a 401(k) plan cash it out.
That's just one of the many pitfalls. Lots of people start saving too late, save too little or make missteps with their portfolio. And all of us are vulnerable to risks that we can't control. Your employer might not offer a plan or might choose one with second-rate investments. Or you may hit a market storm at precisely the wrong moment: the year you stop working.
That last problem is especially obvious now. Over the past 12 months, a 64-year-old investor and AARP member in an age-tailored "target date" mutual fund has lost 26%. Savers with high balances can recover from that. But many lost more, and the typical near-retiree with a 401(k) has less than $50,000 stashed away in it. That will spend down quickly, and once the money's gone, it doesn't matter if the market roars back.
A recent CRR study shows that a bear market retiree could easily end up with just half the income from a 401(k) as someone retiring during a bull market. "Any system that delivers such wild swings in retirement income is just not working," says Munnell.
She isn't the only one who's worried. A growing number of policy experts who study 401(k)s think they fall short..... Some 78 million baby boomers are hurtling toward retirement many of them members of AARP. Their poverty, if it comes to that, will be a burden to their children and lead to calls for taxpayers to support them.
These are worrying times and many people including AARP members are looking for other methods to boost retirement income. Economist Dr Raymond Jewell is presenting a retirement plan tomorrow at http://tomorrowshomebusiness.org at 6p PAC he will demonstrate a plan he has developed and is using provide income in 10,20-30 years. Join him live login with your real name and password success.
In 2008, 6 million Americans aged 65 and older were in the labour force (working or actively seeking work), including 3.3 million men and 2.7 million women.
According to AARP, of the 11.1 million unemployed in the U.S., 1.4 million were at least 55 years old.
The December unemployment rate for the 55-plus workforce was the highest monthly rate since October 1992.
The number of older workers classified as "discouraged" (no longer looking for work) by the Bureau of Lab or Statistics has nearly tripled from December 2007 to December 2008, rising from 53,000 to 154,000.
Studies have shown that, after layoffs, older workers tend to be rehired at a slower rate. Many face significant pay cuts to return to the workforce.
The median weekly earnings of workers 65-plus in 2007 was $605 or 13 percent less than the total workforce.
Source: National Council on Aging
This is certainly a worrying time for AARP members especially those without saving or who are faced with negative equity from their homes. So what can baby boomers do to alleviate the situation.
Well a growing number already communicate via the Internet and perhaps this is an area which can provide a solution for their problems by working from home'
Banks are certainly not the flavour of the month at the moment amid fears that the US may nationalise or take a larger stake in them. Warren Buffet is also being hit hard by these financial rumours.
The news will not have any effect on AARP members unless they hold bank stocks, if they do
then short term news is not good.
Stocks around the world are falling and Gold is once more on the rise up to $1,000 per once from $650 in December.
On the Internet there are many money earning offers available to AARP members, but it is a case of buyer be aware as not all offers are genuine and there is a need to do due diligence tests is the offers seems too good to be true it probably is. My advice is to carry out thorough checks on Google both regarding the opportunity and the persons who is offering it to you.
No, it's not just an event; not even a national conference...
It's the exclusive launch of a new opportunity greater than anything ever before in the 10-year history of TriVita!
Join us March 26th in Phoenix so you can accelerate your business like never before! Don't get left behind because you are not part of the momentum and flow of where TriVita is going!
Don't miss out on your chance to attend an exclusive pre-launch "kick-off" event on March 26, 2009 in Phoenix, Arizona as CEO Michael Ellison embarks on his much-anticipated North American Sonoran Bloom™ Tour. Register now for this power-packed event and discover the exciting benefits of TriVita's delicious new wellness drink Sonoran Bloom Nopalea™ and the new Share and Earn Income Accelerator Program! Don't miss this "must-attend" event! Whatever it takes... be there!
Get positioned to take full advantage of this unique "ground floor" opportunity
Experience the Sonoran Bloom difference and be the first to market Nopalea
FREETraining with "easy to use" success tools that make sharing EASY!
Attend and receive a FREE 32 oz. bottle of Nopalea... that's a $40 value!
Receive 100 FREEpresentation DVD's, Nopalea brochures and business cards
Hear the exciting details on..."How to earn up to $500 to $2,000 in just 90 days!"
Leverage the true 70% Share and Earnincome accelerator "pay out"
for Nopalea
Leave the event "empowered" with the knowledge and tools you need to
achieve success!
FREERegistration and Low Room Rates at theprestigious Marriott
Phoenix Airport
Business Affiliate Training 1:00 to 5:00 pm - Special Evening Event 7:00
to 8:30 pm
"I believe that Sonoran Bloom Nopalea will be TriVita's first billion dollar product!" - Michael Ellison, CEO
Be the first to hear CEO Michael Ellison and Chief Science Officer Brazos Minshew as they travel around the U.S. and Canada to introduce Sonoran Bloom Nopalea. Attend the March 26th "kick-off" event and you will:
LEARN why Nopalea, a rich blend of Superfruits, is a great product for building a healthy cellular foundation in your body and why that is so key to your health.
DISCOVER how Nopalea can help reduce inflammation, which may even now be weakening your body. It has been linked to conditions such as chronic pain, arthritis, heart disease, fibromyalgia, Alzheimer's disease and more.
RECEIVE a FREE 32 oz. bottle of TriVita's delicious Nopalea, containing a rare antioxidant that has been scientifically-proven to help detoxify the body.
Register now and be the first to harness the power of Nopalea! Don't wait for the Sonoran Bloom Tour to come to your area! Contact all of your Members, Affiliate Members, Business Affiliates and Prospects as soon as possible and encourage them to register for the March 26th event today (even if you will not be attending!) Seating is limited, so don't miss out!
Register now so you can attend and get trained to take full advantage of this opportunity!
Visittrivitatour.comor call 1-800-TRIVITA and mention my affliate no 13142173 as your reference
###
If you are interested to know more please contact me or For More Health Information from TriVita
Click Here
TriVita is preparing to embark on one of our most ambitious endeavours in our 10-year history the launch of Sonoran Bloom Nopalea and the Sonoran Bloom Tour featuring CEO Michael Ellison and Chief Science Office Brazos Minshew.
I believe that Sonoran Bloom Nopalea will be TriVitas first billion dollar product, states Michael Ellison. This premier product launch is being supported by several key initiatives to help increase Business Affiliate growth, including; a North American Tour, beautifully designed branding and marketing materials and a simple, yet effective, Share and Earn Income Accelerator System.
Sonoran Bloom Tour Kicks Off In Phoenix
On March 26, 2009, in Phoenix, Arizona, the Sonoran Bloom tour kicks off with a special Business Affiliate afternoon training session and an evening event. This is much more than an Event or Conference this is the exclusive launching of a new opportunity greater than anything ever in the 10 year history of TriVita dont get left behind because you are not part of the momentum and flow of where TriVita is going. Join us so you can accelerate your business as never before.
Here is why YOU and your team need to be at this event:
Take advantage of this ground floor opportunity
Experience Nopalea and be the first to market this product
Training on the Share and Earn Income Accelerator System
Receive 100 FREE DVDs, Brochures and Business Cards
Hear details on how you can earn up to $500 to $2000 in the first 90 days
Leverage the 70% Share and Earn payout for Nopalea
Leave empowered with the knowledge and tools to achieve success
*You need to register by March 19, 2009, to receive new Sonoran Bloom Business Cards. Business card information will be taken from your information in our system, so make sure to update your information with Business Services before the deadline.
Phoenix Airport Marriott
1101 North 44th Street
Phoenix, AZ 85008
Marriott Hotel Phone Reservations: 1.800.228.9290, Group Code: TRIVITA
Schedule An Office Tour During The March 26 Kick Off Event
While in town for the Sonoran Bloom kick off event, bring your prospects and guest to the TriVita corporate offices for a tour. The newly designed entrance and honor room reflect the pride in our history and support of our Business Affiliate community.
We are currently looking into transportation options for
office tours.
To reserve a place on one of the office tours, please call 1.800.TRIVITA.
Sonoran Bloom Registration Website Now Live
The North American Sonoran Bloom Tour registration site will go live Friday, February 13, 2009. The website address is www.trivitatour.com. Currently Phoenix is the only city choice available.
From this website, Business Affiliates, Members and Guests can register for the Sonoran Bloom VIP Luncheon starting April 28, 2009, in Orlando, and the Sonoran Bloom Evening Event. More city choices will be added as locations are confirmed.
If your are not already a member of Trivita please mention you were referred by Affiliate No 13142173
As a result of registration for an event, a confirmation email will be mailed out with registration details and a link for a single free 32oz bottle of Nopalea and/or complimentary lunch ticket.
All attendees must present their tickets to attend either event. Only one ticket per attendee. Please confirm, and reconfirm lunch with your guest as TriVita will pre-pay for their lunch based on their reservation.
*Note: There is no luncheon scheduled for the Phoenix, March 26, 2009 event.
Business Affiliates are encouraged to contact Business Services at 1.800.TRIVITA or support@trivita.com for all event questions. A new email address and hotline number has been created for the tour as well for the convenience of Members and guests. Sonoran Bloom Tour Hotline Number: 1.800.652.0973 or trivitatour@trivita.com will be available on Tuesday, February 17, 2009.
Sonoran Bloom Tour Coming To A City Near You
After the Phoenix kick off event, the Sonoran Bloom Tour will hit the road.
Below are the confirmed dates and locations for April and May:
April 28, 2009
Orlando
BA Support Susan Wright & Steve Baron
April 29, 2009
Tampa
BA Support Denise Wilson
April 30, 2009
Atlanta
BA Support Kevin McCarthy & Peter Caparis
Below are the dates and locations we are confirming:
May 12, 2009
Charlotte
BA Support Tina Gonda
May 13, 2009
Kansas City
BA Support Diane Hastings
May 14, 2009
Albuquerque
BA Support
May 19, 2009
Bangor
BA Support Tom & Lori Obey
May 21, 2009
Baltimore
BA Support Sue Buscemi
If you are interested to know more please contact me or For More Health Information from TriVita Click Here
Retire in ten years, is an option when you run an online business. but there is a secret.
Lets face it, if you put off talking to everyone you know because you might be afraid of what they might think of you and your business, then you can never expect to achieve the level of success that others have when they have talked to everyone they know. The contact list is the life blood of any MLM business, and to be hesitant to work through the list is a good way to lose any momentum and a reason to just quit like so many have in the past.
How do you get past this problem, start your home business, and retire in ten years?
With the Internet, e-mail, and software available, today is a new day in network marketing. No more bothering friends and family and trying to convince people against their will to join your business. You now have the ability to post your business out there in cyber space and find that there are people who actually want to join your business. This may be just the answer for you to revive your business and get you over the hurdle thats been keeping you from earning the income available in your home based business. But how do you get started?
The key to success that will allow you to retire in ten years, is getting customers for your business and to be honest its a problem for many home business owners, who spend many hours cultivating business leads and often give up. There is however an answer and that is to buy customers, that way you can save all the cost time and hassle in marketing your product and build a good customer base.
Now not many people know this secret that will allow you to retire in ten years, but there is a direct selling company in the USA that will sell their customers to you, and what is more on top of earning ongoing commissions they will continue to market to your customers.
Does this sound to good to be true?, well it gets better you can join in with a group of fellow entrepreneurs who will work with you to grow your business.
The US Economic Stimulus plan is still on track to be singed on Monday, providing that the two houses complete final votes this week on the final bill which is expected to include the following:
A homeowner tax credit significantly reduced from the Senate version of $15,000, double that of the House bill.
A tax credit, also reduced from the Senate version, for people who buy a car in 2009.
Funding to patch the alternative minimum tax, originally intended to target the wealthy but now hitting many middle-class families.
$90 billion of increased Medicaid match to states.
$150 billion for infrastructure, including $49.6 for transportation infrastructure.
Tax breaks for workers that had been set at $1,000 per family or $500 per individual have been scaled back to $800 per family and $400 per individual.
35% of the bill deals with tax cuts, 65% with spending. The compromise bill has a price tag of $789 billion, less than both the House and Senate versions.
Other news came from Switzerland with the two leading banks US and Credit Suisse, both loseing millions, forcing USB to lay off a further 1,600 people. Credit Suisse lost 7,000 jobs last year but hopes to survive with out government intervention.
Sonoran Bloom Evening Event Update In Phoenix
March 26th
Sonoran Bloom Nopalea™product is to be launched in Phoenix on March 26th Business TriVita Business Affiliate will receive Sonoran Bloom training from 1-5 PM, and are also invited to attend the March 26th Member Evening Event scheduled from 7:00 PM to 8:30 PM.
Special telephone numbers and a website URL will be coming soon enabling you to book your place at the road shows, watch this space for more details.
Sonoran Bloom Nopalea is the first in a new line of products and it will give the average person the means of creating wellness business. The NEW Sonoran Bloom Share And Earn Bonus Program will be launched at the same time and includes an income accelerator plan providing 70% comissions will run for 90 days and enable you to earn up to $500-$1000.
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US stocks ratios have now dropped to 75% of GDP and According to investing guru Warren Buffett, U.S. stocks are a logical investment when their total market value equals 70% to 80% of Gross National Product. This combined with the economic stimulus plan currently under debate may be enough to start the stocks on an upward trend which would be AARP members who are relying on investments to fund their retirement.
Elsewhere Sterling has begun to make advances against other currencies thanks to better than expected performance of Barkclays bank who stocks rose 10%. There is a suggestion that even with recession biting deeply and a gloomy economic outlook sterling is past it worse.
Last months unemployment figures were the highest for 34 years with a further 598,000 jobs lost and the trend is expected to continue with some experts expecting it to reach 9% by the end of the year. Long term unemployment is also growing with 2.6 million people being out of work for over six months.
AARP members looking for part time jobs to bolster their retirement incomes are facing stiffer competition. Richard Johnson, an economist at the Urban Institute. This recession is bad for older people because they can no longer simply afford to retire when they lose their jobs like they did in the past. Now we have so many older people invested in the stock market through retirement plans, its really impossible for them to retire.
AARP members looking for alternatives have begun to consider setting themselves up in business for themselves, where they can take advantage of tax breaks and earn extra money to meet retirement costs with the help of such groups as Tomorrows Home Business.
Virtually the whole world is awaiting to see the US economic plan put into action, yes delays might save some money, but the sooner the bills are approved the faster confidence will return. Here is a leaked report of what has been changed from the original plan.
CNN obtained, from a Democratic leadership aide, a list of some programs that have been cut, either entirely or partially:
Partially cut:
$3.5 billion for energy-efficient federal buildings (original bill $7 billion)
$75 million from Smithsonian (original bill $150 million)
$200 million from Environmental Protection Agency Super fund (original bill $800 million)
$100 million from National Oceanic and Atmospheric Administration (original bill $427 million)
$100 million from law enforcement wireless (original bill $200 million)
$300 million from federal fleet of hybrid vehicles (original bill $600 million)
$100 million from FBI construction (original bill $400 million)
Fully eliminated
$55 million for historic preservation
$122 million for Coast Guard polar icebreaker/cutters
$100 million for Farm Service Agency modernization
It is now expect the bill will be voted on on Tuesday
Meet Precious - a TriVita Member since 2003. Shes had a positive experience with several TriVita products and now shes referring more and doing great!
Precious (left) & her daughter
Personal Stats: Name: Precious D. Location: Bloomington, IN Age: 55 Occupation: A licensed LPN
Favorite Products:
Sublingual B-12, B-6 & Folic Acid
Adaptogen 10 Plus
Gingko Biloba
Product Story:
Preciouss great success with Sublingual B-12 has allowed her
to recommend TriVita to both family and friends. My 27-year-old daughter is also a regular user of TriVita Sublingual B-12, Precious remarks. It has really helped with a medical condition. She is also an opera singer and takes Adaptogen 10 Plus to deal with a very stressful life. It works wonders and she loves the products.
Referring Activity:
Precious had 11 referred accounts as of October 2008. The
Refer & Win Celebration encouraged her to refer even more.
Her tremendous success has also earned her Gift Cards and compensation checks. I am so thankful for those extra rewards.
She is also thankful for what TriVita products have done for her friends. Precious recommended VisionGuard to her dear friend, Deborah, who was having glaucoma problems. The doctor started Deborah on medication which gave her dark circles under her eyes. Precious then suggested VisionGuard to her. After only a month Deborah's doctor observed a big improvement in her eyes. Deborah told the doctor about VisionGuard and he asked her to bring more information to him. She is on her second month with VisionGuard and is absolutely thrilled with the results. Because of Deborahs success with VisionGuard, Preciouss brother is now making it a part of his regimen.
>
She has her own agency called Nurse Angels, where she
assists people with health-related issues. Through Nurse Angels, she is able to recommend TriVita products to people who can benefit from them and show them the way to health and wellness. Precious is also going to school to become a Registered Nurse. My great referral success has earned me fantastic rewards,
she says. Better yet, I have the satisfaction of helping improve peoples lives.
The UK has reduced its Interest rate to 1.0% as expected but this is a twin bladed sword because saving rates have also reduced which effect many retired people.
There is also a glimmer of hope in the UK housing market based on a recent survey, it seems that houses prices have reached a level where first time buyers are prepared to enter the market, provided they can obtain loans to borrow between 3-4 times their income. At the moment it looks like the housing market will improve ahead of the USA, where investors are still looking for the market to fall by a further 20% or more mortgage rates are rising
Last week, when the average 30-year fixed mortgage rate was 5.48%, a $200,000 loan would have carried a monthly payment of $1,133.07, according to Bankrate.com. With the average rate now 5.70%, the monthly payment for the same size loan would be $1,160.80, a difference of nearly $28 per month.
In the USA the senates debate on the economic stimulus plan is due to conclude on Friday morning and it is expected that the funding requirement will be reduced to help the budget deficit.
For past year, small businesses made deep staffing cuts: Companies with 500 or fewer workers cut 430,000 positions in January, according to the latest ADP (ADP, Fortune 500) employment report, released Wednesday.
Small business employers are typically the last to cut jobs and the first to create them, which makes January's job-loss numbers a worrying omen for the rest of the year. Joel Prakken, chairman of ADP's research partner, Macroeconomics Advisers, doesn't expect improvement any time soon.
"We believe that for the first half of this year, the economy will continue to contract," he said. "There may be growth in the second half, but it will be sluggish."
Many small businesses are looking for ways to survive, but if their business product is not essential then the prospects are not good, a few are changing the way they work and seeking more customers or improving customers benefits.
Customers are the key to success, however until such time as some of the benefits of the financial stimulus plan produce money in customers pockets the future look bleak.
Generally speaking employees in small businesses are more flexible about the work they do and many are multi skilled and these are the kind of people who take matters into their own hands when redundancy threatens and set up their own business.
The word retirement is not something of much concern when people are young. It is 20 or even 30 years away and a lot can happen during that time. The thought of retiring and what to do when the time comes, is a dream and with proper planning that can become a reality.
All the financial upheaval at the moment is taking us back to the time when retirement did not exist, people worked until they died. Relying on state benefits and retirement plans can be seen not to be wise, ask anyone who has a 401(k) plan about their retirement plans now and their dream has been taken away.
If you are serious about retiring you need to start planning early to create wealth. Little things such as buying groceries from the supermarket instead of the local convenience store since items are much cheaper there. A person can also buy generic stuff instead of designer products that are of equal quality. The money saved is a start and in time, can go a long way due to compounding.
The best way to plan to retire in ten years, is to have full control of your wealth creation process and one way to do this is to run your own business and take full control of the situation. There are markets and opportunities out there which will allow you to retire in ten years, and they do not rely on stock or shares or insurance policies to fund your retirement.
The ideal plan to retire in ten years is to reinvest all income back into your business for a period of ten years and over that period of time the compound affect can then provide you with an ongoing monthly income from your business.
You need to be strong willed to reach you goal to retire in ten years, most people fail because they would rather spend the profit rather than feed it back into their business.
The question is do you have the belief that you can retire in ten years, if so please feel free to contact me.
What are the advantages of AARP Members delaying retirement.
How working a few extra years can greatly effect you life in retirement
Avoids reductions in social security benefits
you can keep you 401(k) or other retirement plan growing, giving them time to regain recent losses.
It shortens your time in retirement.
At the moment the average ARRP member retires at 63 and with experts suggesting working four extra years will give time for retirement funds to recover somewhat that would mean retiring at 67.
This might not be an option for everyone as ill health can cause problems when you are older and at the moment many people are facing the possibility of losing their job.
On the other hand a memebr of AARP has developed many skill and knows how to do the job, so that when time are hard this is the type of person a company will retain.
The key is to retain your job as once you are unemployed it will be very difficult to find another job that pays the same.
If you are an AARP member and forced to retire early you need to seek out other ways of bringing in more money, and one of these is to start a home business.
Interest rates in the UK are expected to fall again this week as a measure to bolster the failing economy. The spectre of Deflation is looming in the background.
Howard Archer, chief UK and European economist at IHS Global Insight, said the Bank was "under severe pressure" to cut rates by another half percentage point.
"With GDP suffering its largest drop for nearly 30 years in the fourth quarter of 2008, latest data and survey evidence largely reinforcing belief that the economy is poised to suffer in 2009 the largest single year contraction since the Second World War, credit conditions remaining extremely tight, and a period of deflation highly possible in the second half of this year, the pressure on the Bank of England to act is intense," he said.
The USA is little better of having already reduced rates and awaits the approval of the financial stimulus plan later this month
A very gloomy end of the week for AARP member, who might not be effected by the massive job losses at Boeing Chicago, but will certainly be taking notice that the stock markets have had their worst January ever.
The Dow lost 8.8% in the month, putting it on track to close out its worst January since 1978, when it fell 7.4%. The S&P 500 lost 8.6% according to early tallies.
The Nasals's loss of 6.4% was eclipsed by last January's loss of 9.9%. That 2008 loss was the worst in the tech average's history, going back to its inception in 1971.
Last year saw 2.9 Million job losses and this years forecast is for a further 2.0 Million so the next few months will be critical. Japan has announced some 27,000 thousand job losses, in electronics and car industries and in the UK Honda is closing its car plant for four months.
Many AARP members are looking a the Internet as a way to earn extra money and groups such as
Tomorrows Home Business can show you how to build a substantial fund over a ten year period.
The was good and bad news announced yesterday as the USA economic revival plan passing it first stage, now it is up to the Senate to have their say next week before both houses meet to debate the final details. the news saw stock around the world move upward.
The IMF however put out a warning that world growth this year would fall to 0.5 percent from 3.4 percent in 2008 despite the action taken by countries to boost spending.
It said plummeting asset values, decreasing household wealth and sinking demand would result in the first contraction of advanced economies' GDP since World War II.
There was also news in the UK of retail giant Dadas's plans to create 7,000 jobs but then the core business is food stores which are an essential market during recession.
Many AARP members are looking a the Internet as a way to earn extra money and groups such as
Tomorrows Home Business can show you how to build a substantial fund over a ten year period.
Today the House of Representatives vote on the Economic Recovery Package and members of AARP wave been writing letters to their representatives to support the package, this was a typical letter
Dear [Decision Maker],
Please personalize your message
As an AARP member, I urge you to pass the strong, comprehensive economic recovery package that will reach the House floor this week. This legislation would directly address the most immediate and day-to-day needs of the Americans who most need relief.
In particular, I am very pleased that the current legislation includes crucial funding for state health and long-term care programs, improvements in health care - such as health information technology, health care effectiveness research, and nurse and primary care training, affordable health insurance options for those who lost health coverage along with jobs; funding to help those who have lost employment; and needed money for the Social Security Administration.
Because older Americans have been particularly hard hit by the economic crisis, I urge you to support the House legislation to help with our economic recovery. I also urge that any final package also include a direct payment to the over 25 million individuals 65 and older who no longer work and cannot benefit from the worker tax credit, as well as stronger protections for home and community based services.
The gravity of the economic crisis requires urgent action - the House package will help provide much-needed relief to millions across the country.
Sincerely,
[Your Name]
[Your Address]
[City, State ZIP]
Now we have to await and see if the AARP lobby has been successful, if it fails then perhaps AARP Members will have take matters into their own hand and consider starting a home based business to create an additional income stream. Tomorrows Home Business can show you how to build a substantial retire fund in ten years.
Now that the Obama has taken over the reins companies across the USA have started to announce massive job cuts in order to survive.
Caterpillar, a Dow component, said it will cut 20,000 jobs, or 10% of its workforce due to the impact of the rough economic environment. Caterpillar also reported that fourth-quarter earnings tumbled 32% from a year ago. Caterpillar (CAT, Fortune 500) shares lost 8.4%.
Home Depot (HD, Fortune 500) said it was eliminating 7,000 jobs as a result of closing its high-end EXPO business and cutting its support staff. Shares gained 4.7%.
Sprint Nextel (S, Fortune 500) said it will cut up to 8,000 jobs in the first quarter and take a charge of more than $300 million, as it contends with the sluggish economy. Shares gained 1.2%.
Now these are the the big ones, elsewhere reports are coming out of salary reductions and laying of of full time workers, so what does this mean to AARP members many of whom have taken up jobs to help meet their costs in retirement.
Times are going to be hard for the foreseeable future and its no use members of AARP looking to others or relying on working for someone else to make a living. The time is ripe to work for yourself and their are many opportunities available. you just need to find one that suits you. be it earning commissions from sales, or delivering items door to door.
Many AARP members are looking a the Internet as a way to earn extra money and groups such as
Tomorrows Home Business can show you how to build a substantial fund over a ten year period.
Planning to retire soon, or a distant someday? If youre discouraged about the prospects of retiring, youre not alone: Only 18% of workers are very confident about retirement, according to the Employee Benefit Research Institute.
With all the economic gloom-and-doom you hear these days, no wonder so many people feel uneasy. Your best bet? Make sure you have a solid retirement plan starting today so that you can retire in ten years.
calculate your retirement savings
The first step is to calculate your retirement savings. Ask yourself these questions:
How much do I have?
How much will I need to retire in tens years and live comfortably? (Be sure to include healthcare costs)
How much time do I have to create a nice nest egg?
Where will the money come from?
Social Security (go to ssa.gov for an online benefits calculator)
Pension(s)
Investments
The Employee Benefit Research Institute survey found that when people calculated their retirement savings, it had a strong effect on their behaviour: 44% changed their retirement planning strategy and 59% started saving and/or
investing more.
Work longer
Many people of retirement age are finding that they must work longer than they had originally expected. Sometimes working a few extra years can make a huge difference when it comes to retirement funds. If you have to continue working to retire in ten years, there are some steps you can take to maximize your money:
Contribute the maximum amount to Individual Retirement Accounts (IRAs)
Contribute the maximum amount to your employer-retirement plan (if youre
no longer working, you can roll over your 401(k) to an IRA)
Try to keep at least three months expenses in a savings or similar account.
Seek expert advice
When it comes to financial planning, most of us could use some expert advice. And because life expectancy keeps increasing, seniors are finding themselves retired much longer than previous generations. This means the retirement plans of yesterday wont work for today or tomorrow. Be sure youre prepared for this extended phase of life by consulting a financial planner (check
credentials before hiring anyone). He or she will be able to assess your specific situation and offer the best suggestions to fit your needs.
Whether you plan your own retirement strategy or seek expert advice, the important thing is to plan. Take steps today so youll be retirement ready
tomorrow.
Are You ready to retire in ten years?
Planning is the name of the game
Employment in the retirement age
Are you 50+ and looking for a job?
Visit these web sites to find job postings, career advice and helpful
job-search tools.
http://aarp.org http://workforce50.com http://retirementjobs.com http://seniors4hire.com
Or start a home business which can help you >retire in ten years.
Tomorrows Home Business has a business model prepared by economist Dr Raymond Jewel, and which can be customised to meet with your own circumstances and required income. You are invited to attend a live presentation every Thursday at 6PM EST in our conference room at http://tomorrowshomebusiness.butchhamilton.com select room log-in from top menu and enter first and last names and the password success.
AARP Finance news is all bad at the moment. The UK is continuing to see the decline in Sterling. Singapore and Malaysia are introducing new stimulus packages to support local business. Car maker Proton is seeing a fall in export orders. Stocks in the USA are tumbling with even Google reporting income down 68%.
So just where does this leave members of AARP, many are considering delaying their retirement, others are moving to safer investments such as certificates of deposit and money market funds, particularly those that invest in Treasury bills. But theres a tradeoff. The safest investments usually produce the lowest returns. Buying annuitiesor charitable gift annuities from a charity or university, which come with tax breaksmay be an alternative for investors like you who are seeking to reduce their stock exposure and who want an income stream for life.
Rather than delay your retirement you as a memebr of AARP you could consider starting a home based business to create an additional income stream to allow you to stick to your planned retirement date. Tomorrows Home Business can show you how to build a substantial retire fund in ten years.
Meet Ulonda a new TriVita Affiliate Member who is making big strides in helping others and earning rewards through referring. In only three months, shes had 5 referral conversions. Plus, she has a handful of other referrals that may convert at anytime.
Name: Ulonda Location: Marianna, FL Age: 41 Status: Married Occupation: Full-time homemaker, with three younger children and one older one.
Favourite Products:
Referring Stats:
Affiliate Member since January 2008. Referred 10 people to TriVita for Leanology. Six have converted into sales, others are still pending.
Referring Method:
First - Ulonda worked on herself and lost weight with Leanology.
Second - she made one Leanology referral. Then, after seeing a TriVita ad about earning rewards for referring, she went to the TriVita web site read about the program and signed up to become an Affiliate Member. She also downloaded and printed up the 10% Discount Cards to distribute. And distribute she did leading to those 5 referral conversions with several more still pending.
Third - she basically followed the strategy, If you build it, they will come. Due to her slimmer new look, others came to her and asked how she was losing weight. She then referred them to TriVita and Leanology, and gave them a Referral Card containing her ID number.
Fourth - she received from TriVita her $25 Gift Cards for each new referral ($125 total for five people). She received monthly cash rewards checks, and new Referral Card booklets to use.
Fifth - in the future, shes planning to not just wait for others to come up to her about her weight loss, but to be a little more proactive and offer others who are struggling with weight the good news about TriVitas Leanology.
You need to plan for how long you Expect to Live. While no one can plan how long they'll live, there are several ways to make an educated guess. Factors such as family history, personal health, and lifestyle will affect your estimated longevity. Some of your later years may not be as active as your early ones, but they might be just as expensive thanks to medical costs. These are important factors in planning for how long your retirement next egg needs to last.
Social Security Decisions
Many people don't realize that the earliest you can start receiving Social Security is age 62. If you choose to draw benefits at 62, you will only receive 80 percent of what you would if you waited until your "normal" retirement age.
And many people don't realize that the "normal" retirement age for Social Security is no longer 65. It is gradually moving up to age 67. If you wait until age 70, your monthly benefits will be even higher.
Some choose to defer their Social Security benefits for as long as possible to increase the monthly benefits. Others start at age 62 even though the benefits are less. Why? Because they get almost three years of extra payments that they then invest.
One other factor to bear in mind is that social security payments are funded by the present workforce to pay current retirees, as a result of baby boomers there will be more people retired than people working so the future might change.
The Inflation Factor
Like predicting how long you'll live, trying to anticipate inflation over the next 20, 30, or even 40 years isn't an exact science. But what may look like a hefty retirement account now may shrink substantially down the road because of inflation. At the moment inflation is low but is will soon rise again.
For example, let's assume that inflation increases at 3 percent a year. If you retire at age 60 on a yearly income of $40,000, you'll need $72,000 by the time you're 80 to maintain your standard of living. At age 85, or 25 years after you retire, you'll need $83,800.
If you are looking for a home business which can help you >retire in ten years, then I recommend Tomorrows Home Business which has a business model prepared by economist Dr Raymond Jewel, and which can be customised to meet with your own circumstances and required retirement income. A live opportunity will be presented every Thursday at 6PM EST in our conference room at http://tomorrowshomebusiness.butchhamilton.com select room log-in from top menu and enter first and last names and the password success.
Bettter Home Based Business - Retire In Ten Years
AARP Retire in Ten Years is this possible or a mere pipe dream ?
I belive that anyone can retire in ten years ,but it take planning belief in in your goal and a vehicle to get you there. Now at this moment we must exclude stock and shares due to the current financial crisis. so how else can we create wealth.
working for a wage will never allow you to retire in ten years, no matter how many jobs you have. So what you need is a way to get your money working by starting your own business. A time of recession is in fact a time when many new profitable businesses are formed.
What kind of business can you start now which would allow you to retire in ten years. A business which provides essential daily products like food, or the health and wellness industry, because Americans have been brought up on a culture of popping pills to make oneself look and feel good.
Ok So now you have a business idea the next point is to plough all profit back into the business. Reinvestment in a business is what makes it grow and to be honest if you do not reinvest your business will not grow.
The next step is to reduce any debt you may have. If you have loans swap to a provider with lower interest rates. Stop using your credit cards and or look for banks which offer zero % interest holidays for balance transfers and the lowest rate.
The third step to enable you to retire in ten years is to ensure that any investments you have a working for you, if you have 401(k) plans if the risk spread to cover the present financial situation.
The final step concerns your lifestyle, you need where possible to reduce spending on non essentials such as holidays, gadgets for the home, replacing you car etc. the less you spend here while you are trying to retire in ten years, the more likely you will succeed, and you will also be able to enjoy future wealth and these accoutrements later.
If you are looking for a home business which can help you >retire in ten years, then I recommend Tomorrows Home Business which has a business model prepared by economist Dr Raymond Jewel, and which can be customised to meet with your own circumstances and required retirement income. A live opportunity will be presented every Thursday at 6PM EST in our conference room at http://tomorrowshomebusiness.butchhamilton.com select room log-in from top menu and enter first and last names and the password success.
Is your Pension safe.
The current financial crisis is having a knock on effect on pensions paid when you retire. Pension funds are invested in the market and if the market falls so does the value of pension funds.
Most pension funds were is surplus prior to last year, so there was no cause for concern, however now the situation has changed. for example
According to Mercer, a consulting firm, the stock market turmoil of the past year has left corporate pension plans at the largest companies under funded by $409 billion. At the end of 2007, those plans had a $60 billion surplus.
So What is the risk to your retirement pension if it is under funded, well a company has a few choices it can pump more money into the retirement fund to make up the shortfall or modify the plan benefits.
The problems with both state and company pensions is the "Baby Boomers" there are more people retired than there are contributing to a pension. this could cause a company to shut down it retirement plan. If a company shuts down its plan and the Pension Benefit Guaranty Corp agree to take it over. some Pensions would be reduced as they only guarantee the first 54,000 of annual pension benefits for workers who retired at age 65. Those who retired at an earlier age would get less. Those who retired at a later age would get more. For example, if you retired at 62, you would receive up to $42,660. they also do not guarantee the previous five years increases.
Some People may need to consider going back to work or starting a second job to maintain there lifestyle in retirement. One option to consider is set up a home business to make up the shortfall.
If you do not have enough money yet I can show you a business model prepared by economist Dr Raymond Jewel which can be customised to meet with your own circumstances and required retirement income. A live opportunity will be presented every Thursday at 6PM EST in our conference room at http://tomorrowshomebusiness.butchhamilton.com select room log-in from top menu and enter first and last names and the password success.
Currently the average retirement age in the USA is the early 60's, retiring earlier than this is going to need lots of money, perhaps 1/3 of your income so the first thing you need top do is work out your budget and then track spending
Government figures show that people earning less than £50,000 a year spend more than they earn. So It time to see where you are wasting money, as a first step put aside 10% of your income for emergencies. If you get a pay rise put the additional amount aside to start building your pension, rather than spending it.
It is helpful is you can use a computer software such as Money or quick to help analyse your spending and plan on how much you will need when you retire and you can quickly group expenses as necessary or discretionary items like holiday are discretionary.
Once you budget is complete you can start to analyse where the funds for your to retire early will come from. One method to curb spending is to throw away your credit cards and only use cash that way you will not be tempted to purchase items that you cannot afford.
Cutting cost is easier than you think on groceries use local supermarket rather than branded goods. Turn down your heating or air con to reduce energy costs. Interest rates are at all time lows at the moment so make sure you are getting the lowest rates on any loans or mortgages. If you own money on credit cards move to card which gives you an interest holiday on transferred balances.
Finally get the money you are saving working for you so that you can retire, one way of doing this is to set up a home business to build a second income stream.
I can show you a business model prepared by economist Dr Raymond Jewel which can be customised to meet with your own circumstances and required retirement income. A live opportunity will be presented every Thursday at 6PM EST in our conference room at http://tomorrowshomebusiness.butchhamilton.com select room log-in from top menu and enter first and last names and the password success.
AARP Finance
What will it cost to retire in ten years for someone who is now 30?
Lets play around with some figures for someone in California
Part 1.If you own a house you might have a problem so I will assume you rent a house
Part #2: Estimate remaining expenses
Things now simplify greatly. What else do you need to pay for in retirement? This is for two people, children will increase some items. I will ignore scary things like college tuition. All costs are monthly with some padding.
Food, both groceries and dining out: $600
Communications + Utilities: $350
Gas, not much need if retired: $200
Transportation, amortized cost of one car: $150
Housing rental: $2,200
Clothing, Entertainment, Travel: $250
Healthcare: ???
Total without healthcare: $45,000 per year.
So how much will health insurance cost? This is a huge unknown. if you are relatively healthy now, but who knows. Lets say you get an individual high-deductible health plan for $100/month per person and get cancer (knock on wood). Can the insurer drop you or raise rates? I dont know the answer, but Im guessing they can at least raise rates at some point.
Its possible that within the next decade we will have some form of universal healthcare system. If not, you may need to investigate ways to get on a group plan somehow. I will put in a wild guess of $8,000 per year.
Total with healthcare: $53,000 per year (after-taxes)
Part #3: Set up portfolio to retire in ten years produce this income
Using current tax brackets, you will have to pay very little income tax to achieve an after-tax income of $53,000 per year. For federal taxes, the first ~$18,000 is not taxed at all, and the rest would be taxed at 10% (married filing jointly). Thats an overall tax rate of less than 5%. assume no other pensions or other annuities, just maybe Social Security down the road.
(Side note: If you have no other income from sources like pensions or annuities, this means you should lean towards contributing to Traditional IRAs and 401(k)s exclusively right now instead of Roths since your tax rate in retirement should be very low - much lower than you might have guessed before.)
Anyhow, if we use a 4% withdrawal rate, you would need $1,400,000 in todays dollars. Estimating returns at 4% annually, with inflation at 2%. Saving goal would be $1,400,000 in 10 years, you would have to save $10,000 per month for 10 years,
Bottom Line
You need to find a better paying job and or move somewhere cheaper to live. But there is another alternative a home based business opportunity here you could retire in ten years as it could produce an annual income of around $55,000 per month and the monthly outlay is around $1,250 per month
I can show you a business model prepared by economist Dr Raymond Jewel which can be customised to meet with your own circumstances and required retirement income. A live opportunity will be presented every Thursday at 6PM EST in our conference room at http://tomorrowshomebusiness.butchhamilton.com select room log-in from top menu and enter first and last names and the password success.
Web Prosperity forced to take action as pre launch sign ups bail out.
Web Prosperity was promoted as the new business launch of 2009, however once the software was revealed prospective customers began to see the reality. The Tools are overpriced, after all the software cost less than $2,000 yet users are charged a month fee $30-60 and the functionality is still be worked on.
Yesterday I spent some time in the Web Prosperity conference room/ meeting room trying to find out why it did not work in Internet Explorer and ended up having to use Firefox. The room is a bit bland and has no recording facility, so you cannot save interesting presentation, if you want to see what it looks live click here
This morning it was announced that Web Prosperity meeting now works in Internet Explorer and the programmers are now working hard to upgrade the mailing system, because when it was launched it could only be used to mail down lines and not for general marketing due to spamming issues.
In my mind it seems clear that web Prosperity was launched to make a quick buck for the founding members and owners and if you look at the alexa traffic there was quite a lot of activity prior to the opening of the pre launch on 25th December this allowed David DArcangelo's friends to sign up at the top of the matrix where they will make the money. The lesser mortals amongst us will be further down the 2*15 matrix and if you join at level 6 (your are the 126 member)on the matrix it is going to mean you have to get 65 million people to fill your matrix.
People are coming to the realisation that Web Prosperity is a master scam and with the alexa ranking beginning to drop like a stone many members are thinking its time to abandon ship.
I know for a fact that David DArcangelo is worried now that people have seen his ruse and is wondering how many people will be demanding a refund before the Web Prosperity 15 day day cooling off period ends.
David Ogden Web Prosperity Review Better home Based Business - REtirement
AARP Finance
Its been 11 years since the publication of Rich Dad Poor Dad. Robert Kiyosakis mega-hit best seller. Kiyosaki wasnt looking to write just any financial book. There were hundreds of financial books, in his view, that said the same thing. He wanted to let the education system know it was failing in teaching children what they need for financial success. He wanted to shake up parents by telling them some of the most dangerous advice they could give their children was to go to school, get good grades and look for a safe secure job, until retirement.
This advice was based on the old rules of money when people worked for one company for 30 years and retired with a fat pension. Those days are long gone. With corporate mergers and downsizing happening every month, Robert Kiyosaki says its just too risky to play by the old rules. In the end, employees lose and owners and investors win.
Rich Dad Poor Dad has been on all the best-seller lists for years and Robert retired in 1999. Robert's wife Kim has written a best seller, Rich Woman, and Robert has written several others, including Why We Want You to Be Rich with Donald Trump. Donald has really inspired me. You know, Im just an ordinary millionaire, and now Im inspired to reach his billionaire status. Robert says.
Assets Dont Make You Rich
Robert Kiyosaki knows well that his success is partly due to his going against conventional wisdom. When I wrote Rich Dad Poor Dad I told people that your home is not an asset, he says. People really criticized me for saying that, but if you look at what is happening today with the mortgage crisis, families are getting wiped out because they cant afford their house payments. Experts are saying that in 2009 up to 2 million people will lose their homes. These are good peoplebut people who lack the financial education to make good money choices.
Robert defines financial intelligence this way: If you put money in your savings account, the bank is going to pay you 3 percent. But the problem is inflation is running at 3 percent so your financial intelligence is 0.
You can lose money on anything, says Robert, who as a young adult began investing in gold. Although he didnt make much money, gold taught him many priceless lessons. He realized its not the assetsreal estate, stocks, mutual funds, businesses or moneythat make you rich. Its the information, knowledge, wisdom, and know-howones financial intelligencethat makes a person wealthy.
Increase Wealth: Start a Business to help you in Retirement
With companies downsizing, the failing dollar and higher cost of living, many families feel the pinch. The need to earn more money has never been greater than right now, Robert says. For many, he says, the No. 1 thing people can do to increase their wealth is to start a part-time business. They can start a small home-based business, an Internet company or network marketing business. The key is to start small and learn everything about the business.
Most people have enough financial intelligence to make money, Robert says. One reason they arent able to make more money is because they fail to realize its the process that makes them rich, not the money. Many other people fail to become rich because they value a steady paycheck rather than going through the learning process of becoming financially smarter and richer. They are held back by the fear of being poor, he says.
I can show you a business model prepared by economist Dr Raymond Jewel which can be customised to meet with your own circumstances and required retirement income. A live opportunity will be presented every Thursday at 6PM EST in our conference room at http://tomorrowshomebusiness.butchhamilton.com select room log-in from top menu and enter first and last names and the password success.
AARP Finance
Are you worried about retirement, no matter what your age you need to start planning. Most people are only setting aside 5% of their earning to cover retirement, which will mean they will be poor when they retire.
A few people who have the foresight will be able to retire on the same amount of money they are presently earning. The suggested target for retirement is 80% of your current salary but there are few plans which will provide this figure unless you increase your savings to around 15%, the later you leave it the more you have to invest each month, due to compounding.
Of chouse with interest rates so low at the moment and expected to remain low for the for seeable future you need to look outside the box to work out how to build an income for retirement.
I can show you a business model prepared by economist Dr Raymond Jewel which can be customised to meet with your own circumstances and required retirement income. A live opportunity will be presented every Thursday at 6PM EST in our conference room at http://tomorrowshomebusiness.butchhamilton.com select room log-in from top menu and enter first and last names and the password success.
AARP Finance
The current financial situation is of great concern to those seeking to retire, for those with 401(k) retirement plans, they have seen a large loss in value and it raises the question can they afford to retire.
Many other people nearing retirement age are struggling to payback loans on their houses often where the value of their loan now exceeds the value of their house.
People have always been advised to put as much money as possible towards retirement, but few have bothered, rather than save for the future they have spent it now and it is one of the reasons that having money in retirement will be difficult.
It is essential that people think about retirement at an early age, when a small amount of regular savings can grow in to a large sum thanks to compound interest.
People are living longer and as a result more money is need to cover retirement costs. Most peoples income drops when they retire, but it need not be that way, with proper planning you can earn more when you retire.
Although I have already retired, I am using a ten year retirement plan which will boost my income when I am seventy, but you need not wait until you are my age You can start a business now and retire in 10 years.
I can show you a business model prepared by economist Dr Raymond Jewel which can be customised to meet with your own circumstances and required retirement income. A live opportunity will be presented every Thursday at 6PM EST in our conference room at http://tomorrowshomebusiness.butchhamilton.com select room log-in from top menu and enter first and last names and the password success.
AARP Finance
Do You Dream about how you are going to live when you retire, or is it your worst nightmare?
Retirement marks the time in life when you have the freedom to do whatever you want whenever you want, no more being tied to desk from 9-5. Some people take up new hobbies, others travel and some just relax and enjoy the world around them.
There is one problem with retirement generally you are too old to enjoy some of life's pleasures, but its need not be that way. I actually retired 15 years early. Some people however are not so lucky and have to work even in retirement, in order to retain their lifestyle.
Is it luck or is it planning that enables people to retire early?
I believe it is planning. I believe with correct life plan and hard work anyone can retire in ten years from now, no matter what their age. The only problem is generating sufficient wealth to meet to meet your retirement needs.
I can show you a business model prepared by economist Dr Raymond Jewel which can be customised to meet with your own circumstances and required retirement income. A live opportunity will be presented every Thursday at 6PM EST in our conference room at http://tomorrowshomebusiness.butchhamilton.com select room log-in from top menu and enter first and last names and the password success.
AARP Finance
A study of past banking crises by US economists Carmen Reinhart and Kenneth Rogoff shows what we can expect in this period of recession. Based on past events, output will drop for two years by 9% in total, house prices by more than a third over six years and shares by more than half for three-and-a-half years. Unemployment will jump by seven percentage points over four years.
This does not auger well from those that wish to retire, however this is the time that entrepreneurs find new ways of making money. Core Industries such health and wellness, oil and public services will continue to grow and so become the place to invest.
One private company bucking the trend is linked with Tomorrows Home Business who's members are working on business plans/models which will allow people to retire in as little as ten years and at this time the performance is better than traditional retirement plans
David Ogden TriVita Independent Business Affiliate 13142173
Phone 1-386-308-1956
Skype Seadogs11 How to Retire In 10 Years Better Home Based Bsuiness - Retire Early
The New year has brought out the usual mass of new business launches, but what amazes me is the fact that 95% of them will fail to get off the ground, a few people will make some money, the rest will lose their money.
If you are looking to join a new opportunity you had best stick to joining an established business, rather than a new start. Many Internet businesses have shut down because they could not deliver on their promises and now that money is tight you need to ensure you join the right business.
My advice is to look for long term growth rather than short term cash. Follow good business practice and reinvest your returns into your business. treat it the same as a retirement plan or with a profits insurance policy and you will be amazed at how your money will grow.
TriVita - Tomorrows Home Business has a business plan which will build a substantial retirement income in ten years and I suggest you take a look at it is you are serious about making money online.
David Ogden TriVita Independent Business Affiliate 13142173
Phone 1-386-308-1956
Skype Seadogs11 How to Retire In 10 Years better home based business - Reciprocity
TriVita's ten key steps to wealth explains in simple terms how anyone can create wealth and in this series I will lead you step by step along the way. The 10 Key to wealth was published by Michael Ellison, the CEO of TriVita Inc in 2007.
The Final Key to Wealth is Reciprocity.
Reciprocity is defined as "when you give a valuable service or gift to others, You will be repaid or rewarded for what you provided.
For reciprocity to work the recipient must benefit and perceive the value of the product or service.
You can increase the flow of return by allowing more people to benefit in a plosive way.
If you attempt to manipulate the law of reciprocity by sharing something of no value to the receiver you will fail
If you put your trust in the laws of reciprocity and give freely to others you generosity will be rewarded and repaid and your endeavours will prosper, help people help themselves.
If you have enjoyed the short introductions to the 10 keys to create wealth you can get a free copy when you join TriVita or else you can click here to purchase in our shop
TriVita's ten key steps to wealth explains in simple terms how anyone can create wealth and in this series I will lead you step by step along the way. The 10 Key to wealth was published by Michael Ellison, the CEO of TriVita Inc in 2007.
The Ninth Key to Wealth is Setting Goals.
Goals, you cannot run a successful business without a series of goals. Goals are needed to determine how your business is performing and need to be reviewed on a regalia basis.
Once you have a goal in place it is rarely changed, however how you plan to reach your goal may need to be modified, which is why a regular review will be required.
Your plans may include a number of minor goals leading to your major goals and these enable a quick performance check or feedback, if you fail to meet one of these intermediate goals your plans will need modifying.
Goals need to be written down in order to have a reference point and should have a time frame with in which they should be reached. you can have many different goals,financial goals, material goals, spiritual goals etc to help map out your life and your aims.
Modelling allows you to see the finished result and is connected to dreams and goals. An example is if you are looking for a new dream home, you can look at plans, but it is easier to understand if there is a model or a full sized show house.
You can also build a model to project how your business will grow.
You can use a model to duplicate a successful business by replicating a successful business, and in the same way when you find success you can encourage others to replicate your model.
Tomorrows Home Business is based on a model developed by Dr Raymond Jewel and Al Gonzales, which uses a TriVita health and wellness business as a way to produce future wealth.
When using models you must ensure that you follow the full specification on which the model is based otherwise you will not get the same result. Imagine a house built with sea sand added to cement instead of builders sand, the house will collapse (it happened here in Malaysia)
TriVita's ten key steps to wealth explains in simple terms how anyone can create wealth and in this series I will lead you step by step along the way. The 10 Key to wealth was published by Michael Ellison, the CEO of TriVita Inc in 2007.
The Seventh Key to Wealth is Compounding.
The power of compounding is a key that is taught in school, do you remember being taught compound interest in mathematics?
Compounding is when you invest a sum of money and leave it to earn interest which you them reinvest.
Compounding can make everyone a millionaire and here is how, invest 1$ a day
at 15% interest and with compounding you will be a millionaire 42 years later, its a simple as that
People often say the rich get richer and the poor get poorer and one reason is the power of compounding. Some people buy stocks and then spend the dividends or else have savings account and spend the interest, but if they reinvested this money the value would grow exponentially.
The current financial crisis in the USA and elsewhere came about by people borrowing against the value of their assets and spending the capital gained rather than reinvesting it. It the usually story everyone wants money now, they do not have the patience to wait.
The earlier you take action compounding the less it will cost you. For example a person invests $1,000 in a retirement fund for seven years at 10% return. He then tells a friend who follows his example investing 1,000 a year for 31 years. when they retire on the same date their pension funds are both $200,000 ,however the first person only invested 7,000 and the friend spent a further $24,000!
TriVita's ten key steps to wealth explains in simple terms how anyone can create wealth and in this series I will lead you step by step along the way. The 10 Key to wealth was published by Michael Ellison, the CEO of TriVita Inc in 2007.
The Sixth Key to Wealth is Systems.
Systems provide efficiency and hence save time and money, for example Ray Kroc devised a system for providing fast food McDonalds, but not only that he also put in place systems to ensure quality standards.
Here are six systems to help grow your business.
Evaluation System - examine how you spent your time yesterday and plan for improvements instead of starting with a new list of things to do.
Communications system - You need to have an efficient method of contacting customers, a mailing system combined with telephone and e=mail response.
Training system- As you business grows you will need to have a system for helping and training other business affiliates.
Retrieval System - you need a system which can provide key statistics about the state of your business. Can you develop or improve your existing system.
Storage system- you need to store vast amounts of business information sometime hard copy records or else data about transactions
Tracking system- you need to set up a tracking system to keep you updated with your business plans
Now TriVita has put in place some of these systems, such as training and has databases providing information about your customers and their purchases, together with some basic mailing systems, so you only need to concentrate on setting up an Evaluation and integrate a tracking system
TriVita's ten key steps to wealth explains in simple terms how anyone can create wealth and in this series I will lead you step by step along the way. The 10 Key to wealth was published by Michael Ellison, the CEO of TriVita Inc in 2007.
The fifth Key to Wealth is structure.
Structure is a essential key to any wealth building plan and is necessary to protect your assets derived from your income streams. the first step is to analyse your financial situation and keep a track on you net worth.
Once you know your net worth you need to ensure you have a number of legal instruments to protect your estate, such as will, a medical power of attorney and living will, revocable living trust, irrevocable insurance trust and a family limited partnership. these instrument will protect you estate and help reduce any tax burden.
There are also four financial structures you need to consider, a retirement fund, Titled assets such as real estate, setting up a corporation and life insurance. these structures will overtime increase in value and ensure that your wealth can be passed on to the next generation.
TriVita's ten key steps to wealth explains in simple terms how anyone can create wealth and in this series I will lead you step by step along the way. The 10 Key to wealth was published by Michael Ellison, the CEO of TriVita Inc in 2007.
The fourth Key to Wealth is income stream.
You have heard many people talk about the importance of income streams, which can fall into one of three categories.
Personal Compensation - the most common type of income if you have a job, you are paid for what you do, this income is limited by your skills and knowledge and the fact there are only 24 hours in a day.
Hiring People - getting people to work for you can provide you will with additional income streams, but once again income derived id limited by the hours in a day
Residual Income - the only true way to build wealth, for example if you have a product or services which can be sold or used by many people time and time again, and on which you can earn a commission this will provide unlimited income.
Multiple income streams can be likened to a number of small streams funned towards a dam, the outflow from which is concentrated to provide power. you could easily cross each of the individual streams but would be swept away from the outlet of the dam.
Sometimes a particular income stream will fail, but provided you continue manage and replace them your income stream will grow exponentially.
TriVita's business model is based on multiple income streams, as both customers and business affiliates can earn commissions from introducing Trivita products to other people and business affiliates may purchase further customers to increase their residual income.
TriVita's ten key steps to wealth explains in simple terms how anyone can create wealth and in this series I will lead you step by step along the way. The 10 Key to wealth was published by Michael Ellison, the CEO of TriVita Inc in 2007.
The fourth Key to Wealth is income stream.
You have heard many people talk about the importance of income streams, which can fall into one of three categories.
Personal Compensation - the most common type of income if you have a job, you are paid for what you do, this income is limited by your skills and knowledge and the fact there are only 24 hours in a day.
Hiring People - getting people to work for you can provide you will with additional income streams, but once again income derived id limited by the hours in a day
Residual Income - the only true way to build wealth, for example if you have a product or services which can be sold or used by many people time and time again, and on which you can earn a commission this will provide unlimited income.
Multiple income streams can be likened to a number of small streams funned towards a dam, the outflow from which is concentrated to provide power. you could easily cross each of the individual streams but would be swept away from the outlet of the dam.
Sometimes a particular income stream will fail, but provided you continue manage and replace them your income stream will grow exponentially.
TriVita's business model is based on multiple income streams, as both customers and business affiliates can earn commissions from introducing Trivita products to other people and business affiliates may purchase further customers to increase their residual income.
TriVita's ten key steps to wealth explains in simple terms how anyone can create wealth and in this series I will lead you step by step along the way. The 10 Key to wealth was published by Michael Ellison, the CEO of TriVita Inc in 2007.
The third Key to Wealth is Expression and this takes what you desire and belive and puts it into action.
Many people can talk the talk but then cannot walk the walk. you must express yourself in a consistent manner and write down methods of doing what it is you wish to do.
It is not enough to merely plan you must be able to put your plan into action. you need to think about products and services which will benefit others and find a method to deliver the end result.
The key to expression is to think it, speak it and put it into action.
TriVita's ten key steps to wealth explains in simple terms how anyone can create wealth and in this series I will lead you step by step along the way. The 10 Key to wealth was published by Michael Ellison, the CEO of TriVita Inc in 2007.
The second key is to have belief. Do You Believe you will be wealthy, if you do not truly believe you will not become wealthy.
Answer there five questions about belief
Do you Believe Wealth is a matter of luck
Do you Believe that most wealth is inherited
Do You Believe God wants you to become wealthy
Do you believe that wealth is limited to only a narrow segment of the population.
Do You Believe that you can build wealth.
If you have answered yes to any of the above you do not have true belief in yourself and what you are doing, further more you probably do not have the desire to succeed.
Life is what you make of it, you can change, do not be afraid to speak out and challenge others beliefs in order to make this world a better place to live.
If you have clear beliefs and value you will succeed.
TriVita's ten steps to wealth explains in simple terms how anyone can create wealth and in this series intoduce you to each step along along the way to create wealth. The 10 Key to wealth was published by Michael Ellison, the CEO of TriVita Inc in 2007.
The first step is to have desire. Do you know what you really want in your life
it sounds like a simple question, however it is more than a simple whim or wish. It is a passion that lives within you, It might be to help other people or to be the best exponent in your particular field of expertise, to have recognition.
Desires are unique to a person, its what burns within you and makes you what you are today. I have always had the desire to help people from an early age I passed on my knowledge on sailing to other people, then later took up the sport of Adventure racing putting together teams from different countries to compete in races around the world, success was not measured by winning but by taking part and helping others achieve their dreams. We consistently voted the friendliest team even though we had met each other a few days before the race.
TriVita is feeding my desire as I can show people how they can take command of their own financial future by just taking a few simple steps.
A Chinese Proverb says - Give a man a fish and you feed him for a day. Teach a man to fish and you feed him for a lifetime.
TriVita will be celebrating its 10th anniversary during 2009 and according to Michael Ellison its creator and CEO an exciting year lies ahead.
TriVita recently launched its Super sublingual B-12 tablet. which has three times the amount of vitamin B-12 contents, compared with Dr Libby's original sublingual B-12, which has helped millions of people in the USA and Canada, by providing extra energy and vitality.
TriVita will be launching a new product range Sonoran Bloom at the end of March and Michel Ellison and his team will lead a road show around the country promoting a Sonoran desert fruit drink which contains anti oxidants, anti inflammatory, mood elevation to promote weight loss detoxify your body.
Health and Wellness is a growth area even in times of recession and TriVita Inc is a dept free company based in Nevada and is well positioned to take advantage of the economic downturn, by offering its affiliates a free customer every time they purchase two customer from TriVita's media acquisition program.
AARP Finance - As the year draws to a close stocks around the world are falling with day after day of bad news. Banks, Car Manufacturers, Home Owners and many large retail stores face an uncertain future and little is expected to change as the new year dawns.
AARP members are recommended wherever possible to reduce outstanding debts and to start living within their means. The few AARP members who are debt free are the lucky ones and are in the best position to be able to take advantage of market situations. The Majority need however to sit down over the holiday period and examine their finances.
Perhaps house owners with a large mortgage would be better to sell off and rent property instead of servicing a large debt. Use public transport rather than cars.
Spiraling credit was a root cause of the financial problems that beset AARP members. Credit cards are an expensive way of borrowing money, so it is important to pay off more than the minimum every month and if possible stop using a credit card and plan to replace it with a debit card once the balance has been paid off.
AARP members should seek out cards which offer zero percent on balance transfers which will help pay of thier dept earlier and avoid paying high interest rates.
AARP Finance - Last Week stocks rose initially before falling once again but at the end of the week support was agreed for the automakers, so this might be enough to stage a small recovery. There is however a downside with some key data on housing and unemployment due to be released ahead of the Christmas break, which could neutralise the market.
Around the world there is continued news of closures and job losses with France now falling into recession as well.
UK saving rates are at an all time low and Sterling is losing its value as investors look for higher rates elsewhere in Europe and the US.
AARP Finance - The upward trend of stocks continue, bolstered with the
news that a deal with the automobile manufactures is likely to go ahead provided their are changes in management who
caused the problems in the first place. The USA cannot afford to close the
plants down but will need to make them more efficient.
Around the world Governments are starting to consider public infastructer projects as a means of improving the world financial problems by increasing employment and providing work for construction companies.
Obama has now also confirmed he will continue with the tax cuts set up by Bush. Yes there are more bad statistics due out this week but it is likely that those figures have already taken into account.
TriVita is a unique, Direct Selling business in the health and wellness industry and was set up in the USA some nine years ago. The unique feature of the TriVita business is their Media Acquisition Program (Maps).
MAPs allow you as a business affiliate to purchase TriVita customers directly from TriVita. These customers have already purchased products from TriVita as a result of TV infomercial and other marketing strategies. TriVita's MAP system allows you to build a business containing active customers rather than inactive down lines of people attempting to an online business.
Take a Look at my short Video and you will see what I mean:-
AARP Finance - Once more interest rata around the world are falling as Governments seek to kick start their economies, so what does this mean for AARP members.
If you have loans it will be good news provided the lenders pass the savings on to you, so what are you going to do with the extra money. AARP members need to set up a strategy to start reducing debts that have the highest interest rates such as credit and store cards. Paying off more than the minimum each month and not using the card will save you money. A Cash Society will get you out of dept.
For many AARP members with savings on deposit a fall in interest rates is a bad, so you need to find ways of earning a higher return, find out which banks offer the better rates. Some AARP members are seeing both their cash and stocks falling in value and are beginning to look outside the box on how to protect their lifestyle. One way to do this is to start your own business. A home business offers many tax breaks and also for retired and semi retired members of AARP an interest to keep their minds active, rather than vegetating at home.
AARP Finance - It is no wonder that The USA Car Industry is in trouble, as The United Auto Workers have in place a Job Bank which guarantees laid off auto workers 95% of their base pay if they are laid off. The Union agreed yesterday to suspend this job Bank system at GM which is due to run out of money by the end of this month.
Job Loses are continuing to grow with Job cut announcements jumping to nearly 182,000 in November, up 61% from October and up a whopping 148% from a year ago.
Now is the time to for AARP members to buy stocks, although the market will still bounce up and down perhaps for a further month, but long term gains can be expected. It may take shares 3 years or more to replace lost paper value, but with stocks a low value there are good long term prospects.
For many Americans, working for one employer for your career once meant you would receive money in retirement for the rest of your life. Together with the guaranteed, lifetime benefit from Social Security, workers with a company pension knew that they would have retirement income no matter how long they lived. But more and more employers have stopped offering guaranteed pension benefits and instead offer savings plans, such as 401(k)s, that require workers to plan for their own retirement. Today, financial security and peace of mind in retirement is in jeopardy as many people find that they do not have the time to figure out how much they need to save or have questions about how to best manage their investments.
Even though people are optimistic about their ability to save for retirement, consider this:
Half of all private sector workers do not participate in an employer-sponsored retirement plan such as a 401(k).
People are living longer, requiring even more savings and good investing decisions to make money last a lifetime.
Financial services and products are often confusing or too complicated.
Getting good, unbiased financial guidance is often difficult.
Many people struggle to pay for basic household needs, health care or emergencies and build a nest egg at the same time.
More AARP Members need a way to save for their personal nest eggs before the government takes a bite out of their paychecks. Putting money in an employer-sponsored retirement plan with automatic payroll deduction, such as a 401(k), gives you an immediate tax deduction and you won't pay taxes on the investments in the account until you make withdrawals. Unfortunately, many Americans cannot get the tax benefits of saving because their employers don't offer automatic payroll deductions. Others never sign up for plans that are offered. The result is that too many people end up paying more taxes and not saving enough.
Every AARP Member should have a simple, effective, and easy to understand way to build their personal nest eggs. Businesses can make a difference by offering better retirement plans and savings incentives such as matching funds. Government can help by making it easier to save money tax-free and encourage more savings. And individuals must take responsibility by paying themselves first.
Redefining retirement
By 2010, 1 in 3 workers will be over the age of 50. There are 78 million Baby Boomers in America who are starting to move into their retirement years. However, this doesn't mean that all working boomers are going to leave the workplace.
The word 'retirement' doesn't mean what it used to. More and more people are working well past retirement age. In fact, 8 in 10 boomers say their idea of retirement involves some kind of work, whether part-time or full-time. They plan to work past age 65, and many plan to work well into their 70's.
Some boomers want to continue working, and others will need to. Some want to follow their passion, give back to society, and stay connected. For others, work will help them make ends meet and pay for health care.
Valuing experienced workers
AARP Members 50+ have a lot to contribute. They bring years of experience to the job. They offer valuable skills and loyalty. These employees have a strong work ethic, and they take work seriously.
And many employers 'get it.' They see the value in an experienced workforce. They want to hire and keep mature workers. That is why many companies are changing the workplace so they can take advantage of this great resource. Employers across the country are starting to offer options like flexible scheduling and job sharing, which can benefit all workers.
AARP Finance - Stocks tumbled yesterday as it become known that the USA has been in recession for over a year and this recession is likely to last another six months making it the worst since the 1930's.
Job losses continue to mount on a daily basis. A major decision about the future of GM is expected this week, but it is hard to see the government supporting a company which builds cars that the public do not want.
One of the few ways for AARP members to protect their lifestyle is to take matters into their own hands, many are resorting to garage sales or seeking to build online businesses to bolster their falling income from their retirement plans.
AARP Finance - Black Friday sales showed a higher than predicted levels about a 2.2% increase on previous years, however many retailer had worked hard to attract customers to spend more and perhaps once the bargains run out sales over the holiday period will fall.
In the UK retailers are expecting a slump in pre Christmas sales,
This week could prove important for AARP members, pundits are expecting stocks to fall, however bearing in mind the relatively good Black Friday results, Low price of oil and the fact that the week following Thanksgiving traditionally show gains, if these occur it could be that the optimism will start driving stocks up.
The car giants in the USA are once more going to plead there case for support and it will be interesting to see if any new information comes to light which might support their request for aid.
The UK government have now announced they have a 60% holding in Royal Bank of Scotland group following a failed share offer. The Bank was caught out with many sub prime loan defaults.
Around the country many AARP members are resorting to garage sales in order to raise cash to pay outstanding bills.
AARP Finance - Well Black Friday seemed to start of the sales season with a bang, however many people including AARP members were sticking to using lists of items they were searching for rather than impulse buying.
The stock markets around the world are on an upward trend and its a question on how long the trend will continue.
Many AARP member have seen 35% falls in the value of their 401(k) plans but it will be some time before these losses are made up. If your plans are showing heavier losses than this then you need to consider alternative investment strategies to bring in more money.
During times of recession many AARP members look for alternative ways to bring in more money, such as starting a home business or taking on part time jobs, however with increasing job loses the home business idea has a better chance of success.
AARP Finance - Will Thanksgiving mark the turning point of the market.
Traditional stocks and share have always risen either during the week either side of Thanksgiving day, the question of AARP members lips is will this mark the start of a revival.
Citibank group is struggling to survive and may be up for sale. The automobile industry is struggling even with the price of oil falling and many jobs in associated businesses continue to be at risk.
AARP members need to take stock of the situation and those that have savings are seeing lower returns due to the fall in interest rates which are now hardly matching inflation. It is better at the moment to use some savings to pay off credit and loan account which have high rates of interest rather than keep the money in the bank.
Fannie May and Freddie Mac have both announced an armistice on foreclosures during the holiday period until January. "With this suspension, seriously delinquent borrowers may have an opportunity to avoid foreclosure and work out terms to stay in their homes," said Federal Housing Finance Agency director James B. Lockhart III, the regulator in charge of Fannie Mae and Freddie Mac.
This will provide a little bit of cheer for a few AARP members.
AARP Finance - "There are Americans showing up to work in the morning, only to have cleared out their desks by the afternoon. Retirees are watching their life savings disappear, and students are seeing their college dreams deferred. These Americans need help, and they need it now." President-elect Barack Obama said Saturday offered an outline of his economic recovery plan and jobs were the top priority.
The question on many AARP members is will it be too little too late. details of the plan are nor know but will include rebuilding infrastructure such as roads and bridges and building alternative energy resources for when oil prices rise again.
Like the financial market it will take time for the results to filter into the economy and in the meantime GM will probably go bankrupt at the the end of the year. Supporting British Leyland during the last financial crisis cost the UK taxpayers $900 million and still the company failed. so perhaps the big three in in the USA should be left to their own devices. One has to wait an see how this issue will affect AARP members.
AARP Finance - There is some slightly good news on the horizon as stock markets in Asia rise but it is a question if USA will once again bounce back.
The Rescue package for the automobile industry is on hold until early next year. Many AARP members are questioning the need to support private businesses that have been mismanaged. yes jobs will be lost, but why should inefficient businesses be allowed to continue at a cost to the tax payer.
A country can only do so much to support its industry unless you follow the communist model of controlling a country, and look how that fared. The USA is the land of the free so it is up to every person to make the best of it. Rather than become a nation living on handouts. There is a need to resolve one own problems.
There are still opportunities to earn money by working for ones self, take a leaf out of what wealthy people do, buy into an existing successful business and work at building a steady income stream for the future.
Avoid at all cost get rich quick scams and settle on building a business for the long term.
Become a TriVita International Business Owner with the Most Powerful Business Model on Google Today!
TriVita health and wellness business at present operates in the USA and Canada, however the business opportunity is available Internationally by setting up your own LLC and bank account in the USA.
TriVita Inc was formed some 9 years ago by Michael Ellison as a direct selling company producing health and wellness products. TriVita's flagship product is TriVita Sublingual B-12 B6 and Folic Acid.
TriVita is different to many other business opportunities because it handles all the advertising, including prime time TV, newspapers and mailing. TriVita also sends out catalogues and a monthly magazine to all its customers.
Because TriVita handles all the marketing,sales and deliveries, it saves you money.
TriVita Business Associates and Affiliates can share in TriVita's unique Media Acquisition Program (MAP) and purchase existing customers from TriVita to earn ongoing commission.
Not only can you earn money every time your customers purchase but TriVita continue to market to them as well.
I have personally never seen a business like this in ten years of working online. Initially you could only become a partner of the business if you lived in the USA and Canada, however now TriVita accept International members who set up a Limited Liability Company(LLC) in the USA. If you need help with this please contact me.
AARP Finance - Is America able to climb out of recession? Stocks have fallen to their lowest level in recent years and companies supporting the automotive Industry are in a dire position with the three largest car manufacturers depending on government money to bail them out.
Members of AARP will be pleased to learn that the price of oil continues to fall, however this does not bode well for the future as exploration and development cost remain hire and in fact many oil companies have put future field on hold as they will no recover their costs.
Alternative energy programs are also being put on hold as oil is once again relatively cheap so there is no rush to come up with energy saving projects.
There is talk of a major realignment of financial power with developing nations seeking to have a better say in World financial matters.
Uncertain times can often be good for AARP entrepreneurs who have a wish to protect themselves from the vagaries of the financial markets by starting their own business.
P>AARP Finance - Many retirees and those nearing retirement are reusing the day when they placed a large amount of their portfolio in Stock rather than bonds as stock shows little upward movement
the much touted $700 Billion rescue plan has not even scraped the surface in resolving the financial situation as jobs continue to be lost and houses repossessed.
Some AARP members have resorted to selling their houses in order to provide extra cash, but the question facing them is what to do with the cash lave it in the bank or else find a way of making money work for them.
Some resourceful members of AARP have started their own business to build additional income stream for retirement. but there are risks and one needs to exercise due diligence in order not to waste hard earned money.
AARP Finance - This week has started as last week ended, with more countries officially in recession, this time its Japan the second largest economy. Stock markets continue to slide around the world.
The G8 meeting in Washington agreed that more government spending will be required on a global basis to kick start the economy, but there will be a high price to pay in the future.
Closer to Home Citybank are predicting further job loses of around 50,000 on top of the 23,000 laid off in the last year, as its attempts to get its house in order.
The Gloomy news for AARP members is expected to continue for some time and is not good with winter approaching, which normally results in increased costs. Hopefully fuel costs will not rise again as at the moment production of oil is outreaching demand, but that could all change with a cold winter snap.
If AARP members are facing being laid off they may be able to negotiate with their employer, to reduce their hours by working part time or working from home on a contract basis.
New jobs are harder to come by for older AARP members and they need to perhaps think outside the box and follow up with different ideas for bringing money from another source.
AARP Finance - Is it worth borrowing money from your 401(k) fund.
Generally you need to keep the money in the plan until you reach age 59 ½. Withdraw any of it before then and you'll be hit with a bruising 10% early withdrawal penalty, on top of the regular income tax that is due on withdrawals from contribution plans.
There are exceptions that AARP members might consider. The IRS waives the 10% penalty for certain "hardship" withdrawals. Each plan's rules vary (check yours to be sure), but you may be able take money out of your retirement account penalty-free before age 59 ½ if you use it for:
Purchasing your first home Expenses
After the onset of a sudden disability
Higher education expenses (like college for your kids)
Payments you make to prevent eviction or foreclosure.Don't count on it, though
This money is locked up until retirement for a very good reason: If AARP members spend it now, they risk jeopardizing their financial security when you're older.
If AARP members can't get the money anywhere else, their best option is probably a loan. Many defined contribution plans allow AARP members to borrow against the amount in your account. You must repay the money to your account within a set period - usually a few years - or the loan is treated as a withdrawal, meaning you'll owe taxes and a 10% penalty on it.
There are three main drawbacks for AARP members to consider when taking out a loan. First, it reduces the money they have growing for their retirement years. Second, they have to pay interest on the amount they borrow - typically the prime rate plus one percentage point - though they do pay the interest to themselves. Third, AARP members must repay any outstanding loan within a few months if you are laid off or decide to change jobs.
AARP Finance - The USA economy is in chaos as more and more workers are being laid off, unemployment will probably rise to 8%. so what does this all mean to AARP members who are seeking way of earning extra money to cover their living costs.
>AARP members will find it very difficult to get part time or full time jobs as completion for work will increase. Labour Department data showed that the number of people requiring unemployment benefits for more than a week is also increasing, meaning that it is taking workers longer to find new employment. The figure jumped 65,000 to 3,897,000 for the week that ended Nov. 1. That is a 25-year high.
AARP 401(k) and other retirement funds will take some 5 years to provide get back to the level of return achieved before the crisis began.
AARP news from around the world shows that Germany is now officially in recession and oil is hovering around the $60 per barrel level as global oil demand is expected to fall.
My Advice to AARP members is to take your future in your own hands and join an established work at home business to supplement your own, do not join a newly launched business because that will incur high start up cost.
AARP Finance Starting DEC. 15, Fannie Mae and Freddie Mac, the mortgage finance giants now controlled by the federal government, will modify loans for borrowers who have missed three or more payments, own and occupy the home as a primary residence and have not yet filed for bankruptcy. More than a quarter of all delinquencies affect homeowners over the age of 50, according to AARP research.
Certainly AARP members in the USA are better off than their counterparts in the UK, where banks are now seeking to foreclose on loans where two payments have been missed and due to a recent high court ruling, using a little know law they can repossess property without going to court, so AARP members should beware.
Members of AARP who have subprime loans where the value of the loan exceeds the value of property will not got any help. The reason the US government stepped in to support banks such as Freddie May and Freddie Mac was due to their mismanagement of loans which started the ball rolling in the first place, so it is ironic that AARP member in severe financial difficulties are not being helped.
On a side note banks and credit card suppliers in the the UK are increasing their rates despite a recent drop in Base Lending rates and some have been slow to reduce their mortgage rates.
AARP Finance - NEW YORK (CNNMoney) -- The Bush administration on Tuesday unveiled a new program to modify mortgages and stabilize the battered real estate market, but the plan stops short of providing direct government financial help to at-risk homeowners.
The plan centres on Fannie Mae and Freddie Mac, which between them own or back about 31 million mortgages worth a combined $5 trillion and were the root cause of the financial situation. The federal government took over the firms in September due to mounting losses on their portfolios of mortgages.
Eligibility is determined by several factors: AARP Homeowners must be 90 days or more late in their mortgage payments, owe at least 90% of their home's current value, live in the home on which the mortgage was taken and have not filed for bankruptcy.
AARP mortgage payments would be adjusted through lower interest rates or longer repayment schedules with the goal of bringing payments below 38% of monthly household income. Interest rates could be lowered for five years and then raised to a predetermined level. Loan terms could be lengthened to 40 years.
Some AARP members in the UK could also be getting some good news soon as interest rates fall. A couple of lenders have mortgage rates fixed at points below the current bank rate so if the bank rate is cut again they could end up with a 0% mortgage.
We need to look back to 2006 when the property market began to decline and many people who had gambled on rising prices to pay off mortgages suddenly found themselves exposed. The banks had actively encouraged people to borrow more than they could repay, which is the reason so many banks have now failed.
The loss of faith in the banking sector spread quickly to the stock market this year and suddenly AARP members found their retirement funds had lost value
Those AARP members approaching retirement having to make the hard choice of delaying retirement or retiring on a smaller pension.
October and November have seen many companies laying off workers and quite often those laid off are the older workers, often AARP members who are on relatively large salaries as a result of pay rises in boom times, who can be replaced by cheaper labour.
So how can members of AARP improve their situation and get out of dept. They need to cut all unnecessary spending and use cash rather than credit and find additional sources of income with part time jobs or by setting up their own business.
AARP Finance - Why Enrol in a 401(k) Plan
Your 401(k) plan enables you to automatically take advantage of tax-deferred growth. With gradual elimination of most defined-benefit pension plans and great uncertainty around Social Security, saving for retirement on your own is increasingly critical.
How to Enrol in a 401(k) Plan
Although some companies automatically enrol employees in their 401(k) plans, you may need to complete a simple form to participate in your plan. You'll determine how much to save and select your investment options. Don't worry! The amount you save, the way you invest, and even your continued participation in the 401(k) plan are all decisions you can change at any time.
A 401(k) Plan is Employment-Related
You can only participate in a 401(k) plan if your employer allows you to do so. Your employer must both offer a plan and you must be eligible to participate. Therefore, you cannot set up a 401(k) plan on your own. (However, if you work, you can establish an Individual Retirement Account (IRA) privately. If you're self-employed, you'll have other retirement planning options as well.)
Contribution Percentages
The amount you save in your 401(k) plan is often called your contribution percentage. If your gross pay is $3,000 and you'd like to put $300 of each paycheck into your 401(k) plan, you'll need to indicate a contribution percentage of 10%, since 10% of $3,000 is $300.
Contribution Limits
For the year 2008, the most you can contribute to a 401(k) is $15,500. If you are 50 or over, you may contribute a total of $20,500. Your employer may further limit the amount you are eligible to contribute. Note that IRA contribution limits are completely separate.
Contribution Deadline
Unlike an IRA, there are no deadlines for contributions. However, the sooner you enrol, the sooner you can begin tax-deferred saving for your retirement.
Tax Deduction
Every regular 401(k) contribution immediately reduces your taxable income. For example, an individual in the 25% tax bracket who makes a $100 contribution to her 401(k) plan will immediately save $25 in taxes. (25% x $100). Although her 401(k) balance increases by the full amount of her $100 401(k) contribution, her paycheck only decreases by $75! Unfortunately, a 401(k) contribution does not reduce the amount you must pay in FICA and Medicare taxes.
Tax-Deferred Growth
Since the money in your 401(k) plan grows tax-deferred, you do not pay taxes on the earnings in the account. In fact, you do not even report the income to the IRS. It is not until you take your money out of the 401(k) plan, ideally during retirement, that you owe taxes.
Investing Your 401(k) Money
Investing your 401(k) money is critical to its long-term growth. Your investing strategy should change over time. The younger you are, the more aggressive your asset allocation should be, meaning increased ownership of stocks. As you near or enter retirement, your 401(k) balance should begin to reflect the reality that distributions are not too far away, and you should have a smaller share of your retirement money invested in stocks.
No Income Limitations
Unlike many other tax deductions and credits, eligibility to contribute to a 401(k) plan is not restricted by any maximum level of income.
Employer Matching Programs
Many employers provide matching contributions to their employees' 401(k) plans. In an employer matching program, the company puts money in the 401(k) plan of each individual who also contributes to their 401(k) plan. If you choose not to participate in your 401(k) plan, you typically forfeit this matching contribution. That's why not participating in a 401(k) plan up the level an employer matches is often called turning down free money.
Required Distributions
In most cases, you must begin to take money out of your 401(k) plan starting with the year after you reach 70 1/2. The required minimum distribution amount is determined by the Internal Revenue Service and is based on your life expectancy.
AARP Finance news is pretty gloomy these days sales figures are falling as the credit crunch hits customers pockets. Unemployment is increasing as companies start laying off staff and with thanksgiving and Christmas just around the corner it going to be a bleak time.
Just how AARP members will fare its hard to predict already some are cutting subscriptions for cable TV and phone services and switching to the Internet for free entertainment and communication.
The Internet can be a source of income for members of AARP some of whom already run their own online business. Yes you can make money on the Internet so long as you avoid the scams and get rich quick schemes. One business I recommend to AARP members is Tomorrows Home Business, because it is so simple to understand, easy to use and will after a period of 5-10 years be able to provide you with a monthly income for a relatively small initial outlay.
Many people in the USA are waiting for new incentives promised by Obama to materialise, however what ever changes he makes will take a year or more to start improving the situation, in the mean time its up to AARP to take action now to improve their lifestyle.
AARP Finance - The 401(k) retirement saving plans used by AARP members was formed 30 years ago and until recently was showing good returns for AARP member who could afford to invest in them.
Many AARP members benefited from match contributions from their employers, but a growing number of companies are now reducing or abandoning matching contributions, which will have a disastrous consequences for those AARP members who are nearing retirement.
Here are some examples of companies who have changed their contributions
Dollar Thrifty Automotive Group Inc saved themselves $1.8 million by suspending matching 6% contributions during fist six months of this year.
General Motors Corp suspended 4% matching contributions.
Frontier Airlines Holdings Inc - Spokeswoman Lindsey Purves said the company discontinued its match June 1 as part of its effort to cut costs as it works its way through Chapter 11 bankruptcy protection. Company put in 50 cents for each dollar employee contributed up to 10 percent of pay.
The double whammy of large loss of value in the 401(k) plans which will perhaps take 5 years or more to recover and the need to contribute more due to the loss of company contributions will result in AARP members needing to delay their retirement date because they cannot afford to retire.
Some AARP members are beginning to think outside the box and looking to set up home based businesses to circumnavigate the shortfall but even plans such as Tomorrows Home business take some years to produce sufficient money to retire on, there is no quick fix.
AARP Finance - The Bank of England today announced its single largest interest rate drop since 1981. The reduction of 1.5% was welcomed by the trade unions, Confederation of small businesses and the House builders Council.
Lloyds TSB announced that it will pass on the full amount of the rate cut
from 1 December. Other banks are set to follow suit. This follows rate cuts
in USA, Japan and Australia. It is also likely that other central banks will
announce reductions in the near future.
European Central bank cut rates by 0.5% and Korea is expected to announce a rate reduction tomorrow.
Stock markets around the world had a bad day however which indicates there is a no quick fix the the worlds financial woes.
If AARP members are looking for ways to increase their income, they perhaps need to take matters into their own hands and consider starting their own business or at least associate themselves with a business that is still making money.
Changes in administration following the election of Obama will affect how aid packages and financial rescue plans approved and in the pipeline will be implemented and it is expected that national dept will continue to increase as the USA still need to support companies and AARP home owners and it is perhaps this matter which is holding back a recover on the stock market.
Many AARP members like others around the world are in financial difficulties as a result of borrowing more than they can afford to pay back.
I can remember the days day when the maximum you could borrow for housing finance was 2.5 times the amount of you income, and to be honest that worked for me.
The problem now for the likes of AARP members is that that a town house in the 70's cost around $20,000 but is now valued at at $ 2 million and there is now way wages could have ever kept up.
All right now recommended borrowing for AARP members is between 25%-30% of the gross monthly household income says Lawrence Yun, chief economist for the National Association of Realtors in Washington. But some AARP members have taken out low cost start up finance which escalates over time and so are now needing to set aside 40-50 percent of their gross monthly income to cover housing costs.
AARP members are not alone around the world house prices increase faster than wages and many countries such as the UK have seen property prices crash leaving negative equity situations. Maybe speculators who drove the markets up will suffer losses but many other innocent AARP members will also suffer as well.
AARP Finance - It seems that if Obama and Democratic Congress win , all AARP middle and upper middle class retirement plans would be at risk, not just the "rich".
A 28% Gains tax on profit from ALL home sales.
How does this affect AARP members ? If you sell your home and make a profit, you will pay 28% of your gain on taxes. If you are heading toward retirement and would like to down-size your home or move into a retirement community, 28% of the money you make from your home will go to taxes. This proposal will adversely affect AARP members who are counting on the income from their homes as part of their retirement income.
DIVIDEND TAX
Increase from 15% to 39.6%
How will this affect you as a member of AARP. If you have any money invested in stock market, IRA, mutual funds, college funds, life insurance, retirement accounts, or anything that pays or reinvests dividends, you will now be paying nearly 40% of the money earned on taxes when Obama become president. The experts predict that 'higher tax rates on dividends and capital gains would cause the stock market to fall again and delay long term recovery.
Increased tax rate for home sales - would be detrimental for those AARP members downsizing and planning to use proceeds for retirement and other purposes.
Energy use and consumption taxes such as for homes over 2400 square feet and on all fuel. Well intentioned, but definitely would fall heaviest on those less able to decrease their energy usage through higher efficiency appliance purchase or AARP members having less disposable income.
AARP Finance - Now is the time to start buying stocks according to experts.
"If you buy now and wake up in 10 years, you'll probably get a return around the historic average," said Yale economist Robert Shiller. In the near term, however, Shiller - who correctly predicted the implosion of the stock-market and real-estate bubbles - is more cautious. "There is a substantial risk that with all this economic turmoil, stocks will fall far lower," he warned.
The key information for AARP members is to look long term. Many stocks have good Price over Earnings ratios or earnings yield of 15.7 which is good for a long term profitable return.
Research by economist and hedge fund manager Cliff Asness shows that buying in at a P/E usually leads to poor returns, while grabbing stocks at a low P/E - less than 16 is a reliable route to riches.
Members of AARP will find that they will get around a 9% return when adjusted for inflation, which is better that the last 10 years average, however to get this level of return you will also need a dividend yield of 4.5%.
An alternative way of earning a good return is for AARP members to set up a home based business using a model/plan developed by Economist Dr Raymond Jewel at Tomorrows home business who holds weekly online presentations at http://www.tomorrowshomebusiness.com/Conference_Room.html
AARP Health offers information on many diverse health subjects such as the following advice on screening tests: What You Need and When.
Health experts from the U.S. Preventive Services Task Force have made these recommendations, based on scientific evidence, about which screening tests you need and when to get them.
Abdominal Aortic Aneurysm. If you are between the ages of 65 and 75 and have ever been a smoker, talk with your doctor about being screened.
Colorectal Cancer. Have a test for colorectal cancer. Your doctor can help you decide which test is right for you.
Depression. Your emotional health is as important as your physical health. If you have felt "down," sad, or hopeless over the last 2 weeks or have felt little interest or pleasure in doing things, you may be depressed. Talk to your doctor about being screened for depression.
Diabetes. Have a blood test for diabetes if you have high blood pressure.
High Blood Pressure. Have your blood pressure checked at least every 2 years.High blood pressure is 140/90 or higher.
High Cholesterol. Have your cholesterol checked regularly.
HIV. Talk with your doctor about HIV screening if any of these apply:
You have had sex with men since 1975.
You have had unprotected sex with multiple partners.
You have used or now use injection drugs.
You exchange sex for money or drugs or have sex partners who do.
You have past or present sex partners who are HIV-infected, are bisexual, or use injection drugs.
You are being treated for sexually transmitted diseases.
You had a blood transfusion between 1978 and 1985
Obesity. Have your body mass index (BMI) calculated to screen for obesity. (BMI is a measure of body fat based on height and weight.) You can find your own BMI with the BMI calculator from the National Heart, Lung, and Blood Institute at: http://www.nhlbisupport.com/bmi/.
Sexually Transmitted Infections. Talk to your doctor about being tested for sexually transmitted infections.
A Note on Other Conditions. Every body is different. Always feel free to ask your doctor about being checked for any condition, not just the ones above. If you are worried about diseases such as glaucoma, prostate cancer, or skin cancer, for example, ask your doctor. And always tell your doctor about any changes in your health, including your vision and hearing.
AARP health provides free information and resources to help resolve problems for its members
AARP - Financial: OPEC is unwilling to help out IMF
OPEC Secretary-General Abdullah El-Badri said it was "surprising" that the cartel's member countries were being asked to step in.
"This crisis created in the (United) States must be solved within the States," he told the same gathering, in contrast to Brown's repeated statements that the current financial turmoil was a global problem that required global solutions.
Gordon Brown the UK Prime Minister is visiting the Middle East seeking support despite earlier blasting OPEC for reducing oil output to maintain a high oil prices.
China is another country which could come to the aid of the IMF but this could prove a costly move as are likely to insist on a greater share of political power.
Debt is a major problem for AARP members some of whom hope that recent request by lenders to be allowed to reduce outstanding credit card dept by up to 40% on a case to case basis may help to improve customers financial situations will be agreed. They may have to wait until after the election.
AARP Financial - The roller coaster week that has seen Oil prices fall by $2 a barrel has ended. For the fist time in two years USA oil consumption has dropped as belts are tightened to ward off economic decline. Hopefully for AARP members winter fuel cost will also be reduced.
Japan joined the growing number of countries forced to step in and and support their economy with a $243 billion aid package which includes fixed sum benefits of $600 for a family of four.
Major countries around the world are cutting interest rates to kick start a recovery, but this could have mixed results for AARP members as saving rates will also move downwards. There is growing concern as to how all these aid packages are going to be funded at the end of the day governments will be forced to balance the books which is likely to mean an increase in taxes.
One piece of good news for AARP members is the 5.8% increase in social security benefits that will be paid next year, one of the highest increase on record due to inflation during the current year.The average monthly payment for retirees is $1,090. In January it will rise to $1,153.
AARP Finance - AARP chief executive officer Mr Novelli has recently written to Secretary of the Treasury to demand that mandatory withdrawals from 401(k)retirement plans for people over 70 be cancelled due to the current financial crisis.
Currently AARP members over 70 are forced to withdraw a minimum amount each year (by 31st DEC) from their retirements plans based on the value of the plan at the end of the previous year. Failure to withdraw the minimum amount incurs a 50% tax charge. Due to the stock market upheaval some fund may have lost up to 40% of their value and and is not the time to be forced to cash in hard won savings.
Some AARP members financial difficulties could on the other hand be helped also if the 20% early with withdrawal funds from 401(k) plans was temporarily withdrawn, which would release much needed cash.
Withdrawing money from retirement funds is not to be taken lightly as is reduces expected income in retirement and at the moment most funds are at rock bottom they will take some time time perhaps years to reach their previous highs.
One alternative for AARP members to putting money into a retirement plan is to invest it in a successful joint venture such as promoted by Tomorrows Home Business which over a period of ten years can provide a 15% returns way above the interest earnt by placing money on deposit The secret of creating money is to make best use of investments which compound results.
AARP Financial news today is is generally good, with markets around the World generally moving upwards as the USA lowered it base rate to 1%, it lowest ever. AARP members and others who have loans or finances will hopefully see up to 0.5% reduction.
Consumers in Iceland have recently seen interest rates rise to 18% a jump of 6% following the $2 Billion loan form the IMF.
Hungary yesterday was also bailed out by the IMF to the turn of $28 Billion and the news prompted a rise in both their currency and stock market.
AARP members should be aware that the costs of any rescue package has to be paid by someone, as Icelanders now know its going to be a long hard winter.
House holders in the UK are still struggling with some 70% of owners having to face the fact that the continued fall in house prices resulting in their loans exceeding the value of their houses. Perhaps and interest rate cut her might help, but at the moment no institutions are lending money.
The main question on the lips of members of AARP is have the markets reached rock bottom. Stock and shares are at bargain basement level compared to the past twenty years. Multi-Millionaires like Warren Buffet are prepared to take the risk but who is prepared to follow them?
UK Pension funds have lost 33% of their value, or £187 Billion during the last 12 months, due to falling stocks and shares.
The bad news illustrates to members of AARP the likely effect on their own 401(K) retirement plans.
Now is certainly not the time to retire unless AARP members are lucky enough to work for a company that provides some kind of final Salary pension as is offered by some companies in the UK.
Yes the DOW rose 900 points yesterday and this might be a sign that the worst is over, however there is a long way to to. Hopefully stock markets around the world will also provide a positive response bouncing back from record 5 year lows in the USA and UK.
AARP members have been following the frightning ups and downs of the stock and might be wary of investing in the future, but what choices are there?
1. Put it under the bed and it will lose value due to inflation
2. Place it on deposit at a low rate of interest
3. Or invest in your business
Smart AARP members are investing in their business because reinvesting income back into a business will grow the business and produce better results.
Now is probable the best time to buy into a business, but only a few AARP members have sufficient funds to purchase a business outright. So what about the rest.
Starting a business from scratch might not appear to be the right option either due to business set up costs, buying stock, marketing etc, however there is another solution.
Tomorrows Home Business, has a proven business plan and model which produces results, because it is partnered with a health and wellness company who take care of all the marketing, selling and delivery of products. Leaving the AAARP member the opportunity to buy its existing customers and earn commissions.
Many AARP members wonder if their "senior moments" might be signs of Alzheimer's. Dr. Murali Doraiswamy of Duke University has written a new book, "The Alzheimers Action Plan: The Experts' Guide to the Best Diagnosis and Treatment for Memory Problems,"
Doraiswamy describes screening tests, how to differentiate Alzheimer's from other types of dementia, and how to tell normal forgetting from problematic forgetting. He also reviews the latest prescriptions for slowing memory loss in Alzheimer's patients.
Most important, he emphasizes, is for AARP members to detect the disease early, before major damage sets in. Early warning signs to watch for include:
The memory loss is getting progressively worse.
Friends and family are urging you to get a checkup.
You can't remember what you forgot. Whole pieces of your past experiences are missing, and your memory can't be jogged.
It has been proved that sublingual B-12 can improve memory retention and can reduce the risk from the disease. If AARP members actively aim to protect their memory retention by attending memory clinics and taking extra vitamin B-12, they will enjoy a better lifestyle in their senior years.
Research is ongoing to the find genes which cause and might prevent Alzheimers but at the moment there is no cure.
AARP Finance - The Week has started the way the previous week finished with stock markets around the world continuing to fall. Recession is a reality but how should one deal with the consequences.
The first thing AARP members need to do is not to fall into the trap of taking on further loans. Stop using credit cards wherever possible unless you can pay them it in full.
AARP members need to reduce all unnecessary spending.
Normally when stocks reach rock bottom its is time for AARP members to commit more money to 401(k) plans in the hope that stock will rise and increase the value of their savings, the problem is twofold, knowing when to buy and guessing how quickly stocks will rise.
A more conservative plan might be to buy into an existing successful business but few people have the funds to do this, so an alternative might be to start a business in partnership with Tomorrows Home Business who have a business model which shows a rate of return which exceeds most returns on stock investments and is inflation proof. Full details are available by contacting us.
AARP Financial has responded to public concern with Mutual funds with the following statement:-
AARP Financial recognizes that recent events in the financial markets are causing concern among investors. For those invested in money market funds, you may also be questioning the safety of your investment. We want to reassure you that your investment in the AARP Money Market Fund remains a conservative, low-risk investment and that you have quick access to these assets if and when you need them. In addition, I am pleased to report that the AARP Money Market Fund is now enrolled and currently participating in the Treasury Guarantee Program.
Richard M. Hisey
President, AARP Financial Incorporated
Well that way the good news, the bad news for AARP investors is that since June the values have fallen as the financial markets have been brought to thier knees. you money is safe but not worth as much.
AARP members need to take action and look for ways to diversify their future income streams, like members of Tomorrows Home Business.
AARP counterparts in the UK have been given some good news regarding state pensions.
Thousands of women who took time off to look after children will be able to boost their state pensions under a top-up scheme announced by the Government.
Work and Pensions Secretary James Purnell is proposing an amendment to the Pension Bill enabling people to buy up to an extra six years of National Insurance contributions.
Each extra year of National Insurance contributions adds around £160 a year to the state pension that people are entitled to. But the UK Government is increasing the cost of buying extra years from its current level of £420 per year to ensure the move will not cost it anything, although it has not yet said what the increase will be.
The UK Government estimates that around 550,000 people will be eligible to buy up the extra years, but in reality it expects only around 20% of these to take advantage of the scheme.
Mr Purnell said: "By 2010 around 75% of women reaching state pension age will be entitled to a full basic state pension, rising to over 90% by 2025, compared to around 35% today. However, we are mindful of the potential disadvantages faced by those who do not have a full work history, mostly women and those with caring responsibilities."
It will be interesting to see if if the USA Government will offer AARP members any ways to increase their pensions during these difficult times, or will they have to continue to take matters into thier own hands by producing residule income to live on from home businesses such at Tommorow's Home Business.
I was looking at the AARP site today, which claims to be the largest online magazine in the world, its packed with information. The section that caught my eye way the financial calculators.
The AARP calculators includes one to work out when you will be a millionaire, so I tried out my theory of investing $1 per day and sure enough it works, if at 15 I had saved just $1 a day I would have been a millionaire by the age of 60, based on a rate of return of 15%. The problem however is that inflation will eat into the numbers and reduce your savings by half.
The common factor in all the AARP calculators is the exponential growth, for example if you continue contributing for a further 5 years you will more than double your money!
AARP members and millions of others around the world are suffering during the financial crisis, but there is a way out.
You need to find a business which will provide you with a 15% return and invest just $1,000 and in 50 years you will be a Millionaire.
Now I have found a business that will give me the return that I need and is inflation proof, its called Tomorrows's Home Business and its unlike any home business you have ever seen, you are invited to attend our live presentation every Thursday evening at 6PM EST just go to
http://tomorrowshomebusiness.butchhamilton.com/ and follow the instructions or else contact us.
AARP report that stocks and shares around the world continue to fall during early trading in Asia. Pakistan and the Philippines are both looking towards the IMF to help bail them out. Corporate organisations are already re-forecasting their yearly forecasts.
It seems there that it is going to be a long time before matters are going to improve, with Thanksgiving and Christmas fast approaching it seems there will be little to cheer about.
Companies world wide are tightening their belts and it will not be surprising if they start laying of older workers which will concern AARP members, because if they are forced to retire early it is a very bad time to purchase annuities.
AARP members have already voiced their concerns with candidates in the upcoming USA elections, but it will be sometime before any changes will filter through the system. The problem is that support for banks has to be paid by someone and its usually puts pressure on other taxes.
The only clear way for an AARP to get out of financial difficulty rests with them taking matters in their own hands and to build a business for themselves, but this is no quick fix option it will probable need five years or more of work to build a worthwhile income.
AARP members like many other retired people from around the world are worrying about what they need to do as the world slips towards recession. Yes stock and shares held by AARP will take some years to recover and perhaps some AARP members who have 401(K) retirement plans may be looking for other methods that will provide future money.
Tomorrows Home Business group has found found a unique solution by teaming up with a health and wellness Company. Health and wellness is a multi billion dollar industry and even during recession people wish to be healthily. Many AARP members already take vitamin and mineral supplements in order to support a healthy lifestyle.
The Company tomorrows's Home business is partnered with ,is dept free and operating for ten years. The business opportunity is unique and far removed from get rich quick scams and MLM companies where members have to market and sell products.
AARP members will be surprised to learn about this no risk business plan which requires no marketing in order to build a residue income.
AARP members are invited to attend a free weekly presentation which explains how long term residual income can be produced at low cost, by contacting us.
Why are so many AARP members in financial trouble, is it because they live for today and think the future will look after itself, rather than planning for the future.
How Many AARP members have 401 plans but have failed to ensure they have a good balance of stock. Yes these plans have lost a lot of value recently and it may take them five years or more to recover to the same level as they were, due to the financial meltdown caused by many people borrowing more than they could afford to repay, which started the banking crisis as banks mismanaged loans.
If you are an AARP member who plans to retire in the next 10 years is is essential that you take some action now if you wish to be able to retire in comfort.
I recently contacted Tomorrows Home Business and discovered a way of sharing in the success of a health and wellness company. Like any good business you need to reinvest your earning back into the business for around 10 years and can then end up with a monthly income to live on in retirement.
The plan for AARP members does not involve in investing in stock market like a 401 plan, but is based on earning revenue from existing customers, who are the lifeblood of any business. You are virtually guaranteed to make money.
No special skills are required to operate the business, no marketing or selling to others, the company you partner with handle all that. for more details just contact us
AARP Insurance offer a special rates for AARP members and their families. You can enjoy special AARP Insurance rates even if you are not retired, provided you are over 50. In addition to AARP Insurance benefits you can make use of special travel offers and other information which is of focussed on elderly People.
AARP is similar in its offer to SAGA in the UK which also offers Insurance, travel, health and money advice. The major difference between the two however is that AARP has a political lobby.
The Daily news around the world is mostly about the roller coaster ride of stocks and shares as they move generally downwards towards recession and AARP and SAGA members are looking at their various insurance policies to see for two reasons, first to see if they meet their needs and secondly to see if they can still afford them.
AARP Insurance Lifetime income plans are quite costly as you need to invest a minimum of $5,000, which is a lot for many AARP members. So is there an alternative way of building an income source?
I have found an opportunity which should be of interest to AARP Insurance members, its is run by a group called Tomorrows Home Business who work together as a co-operative marketing group and earn money from purchasing existing customers from a health and wellness company in the USA. Now health and wellness is an important area for AARP and SAGA members, so you can kill two birds with one stone here and improve your financial situation and your health at the same time.
For More details contact us - click on Contact Us link
The USA and UK are close to a recession and France, Ireland, Holland together with Singapore are already in recession, so what does this mean to AARP members. Officially a country is in recession following two quarters of bad figures so the New year does not bode well.
The UK is expecting house prices to fall a further 15% throwing more people into negative equity. The 2012 Olympics and many other sporting events will be effected as sponsors feel the pinch.
Pensioners such as AARP and their counterparts from around the world will find that their pensions are smaller than expected as their funds are affected by stock market falls.
A recent survey by USWitch shows that 42% of people have cancelled insurance policies or pension contributions to save money, If you have done this how are you going to survive in the future.
The falls in the stock market have driven shares down to a level where they were about five years ago, so stocks may take a further five years to bring their saving back to the levels of a couple of months ago.
What AARP members need to do is to find an alternative way of building savings without relying on the stock market such as a plan produced by Tomorrows Home Business, to find out more fee free to contact us.
Some people mad a bit of money from the Market bounce but the future is still bleak for AARP mortgage owners. House prices are in a world of their own and now everyone one is suffering and its not only in the USA and Europe it is a world wide problem. Builders still build but who can honestly afford to buy. The number AARP members who are still paying off mortgages in retirement is still rising and they struggle to make ends meet. Often the they have taken loans on the equity in their house.
A study released in September by the Centre for Retirement Research (CRR) at Boston College found that about 30 percent of homeowners ages 50 to 62 have cashed in on the equity in their homes, and they will likely remain saddled with mortgage debt and face a decline in net worth as they hit retirement
The reasons AARP members might need to refinance can be the result of layoffs or simply bad planning. The rule of thumb used to be to ensure all mortgages or loans were paid back before retirement, but as people seek to raise their living standards they started to live beyond their means, but the trouble is there is no safety net and now a few AARP members are in a situation that their loans exceed the equity in their house due to the slump in the property market.
Younger AARP members still have the time to put money aside for their retirement and one way to do this is to join a group called Tomorrow's Home Business who can show you how you can become a partner in a business which will help build funds to cover your retirement costs.
For more details please click on Contact Us below:-
Here is a typical AARP members question "I retired five years ago, but with the economy and inflation as they are, I need to go back to work. Where do I start?"
You need to think about what you want to do and to be honest restarting a conventional job is not for everyone, after five years your attitude to work will have changed and you will find it hard to come out of retirement mode.
Yes AARP can help you find employment via their site and its partly why AARP was set up. How Long and how much work do you want to do. Some people decide they would like to work from home which saves the cost of travel etc which can eat into your earnings.
As an AARP member you might be interested in starting your own business, but as you say funds are short. If you can afford to put up say $1,000 it is possible to create an reasonable income from it in about 10 years. This will not provide immediate help but is much better that the get rich quick scams that AARP member unwittingly fall for.
As a retired person myself, I actually enjoy watching my money grow month on month especially during these difficult times, I work from home at hours that suit me.
The World monetary crisis which effects AARP members is going to cost them dearly, for example The UK Government's part-nationalised three of Britain's biggest banks in a £37 billion bailout designed to save the financial system. The plan will cost every man, woman and child in the country £616.
Stocks are once more rising but one question is why should AARP members be forced to bail out failing banks, The root cause of the crisis was inflated Property prices, which lead to AARP members and others having to take on larger mortgages in order to afford to own their own home. Banks leading money in some cases failed to check that applicants had sufficient income to cover the mortgage, so they are at fault but everyone has to suffer.
Will the USA Government come to the rescue of AARP members who are unable to make ends meet, I think not.
The Financial problems will be with us for some time so it is prudent for AARP members to be cautious with their funds and spread it around different banks.
During times of recession AARP members often look for different ways to protect their live style such as doing a second job or setting up a home business. Start up costs for a home business can be high, which is why many fail in the first year or two.
Tomorrows Home Business group can show AARP members how you can build a financial nest egg with an established company dept free company for more information please feel free to contact us.
AARP member may be interest in a recent survey about baby Boomers in the UK who demonstrate a changing attitude towards inheritance, with surveys suggesting they are more likely to want to use their wealth to enjoy life than to worry about leaving a bequest.
The current world financial situation may lead to AARP members being forced into the same situation as they plunder there savings to save their present lifestyle.
AARP member may also be interested to lean that for their cousins in the UK - Housing has played a big part in boomers' lives. The proportion of owner-occupiers rose from around one in four in 1950 to two-thirds by the mid-1980s. Today, 33 per cent of boomers own their homes outright and 52 per cent have mortgages, while 15 per cent have second homes. Home improvements, shows the research, form a significant part of boomer lifestyles. So does increasing the value of homes, especially in terms of using housing to fund life during retirement.
Now if these figure hold true for AARP members some 67% will still have mortgages and these people are the hardest hit during any recession and in fact it is loans in general and the mis-management of dept in general by bank and finance companies that has started the roller coaster ride towards recession.
Is there a way out for ordinary AARP members? Well as a retired person myself I have started a new ten year plan to build another income stream with Tomorrows Home Business in order to create another income stream to protect my own Lifestyle as relying on Government handouts is not an option.
Stocks continue to fall around the World and AARP members are in for a tough ride and are worried to see how savings are dwindling with interest rate cuts.
Jonathan Scheid, chief investment officer for Bellatore LLC in San Jose, Calif.,is giving this advice to AARP members - Investors who have more money in the bank than the FDIC guarantees should spread their cash around in different institutions to get the full FDIC guarantee. Even so, he says, bank yields are too low for people nearing retirement to store the bulk of their funds in bank accounts.
The stock markets will recover in the long term in the meantime AARP Members should be looking to control their future rather than rely on the Government to resolve the situation on their behalf.
The Health and Wellness industry is one area which will weather the storm(vanity always wins). Some Members of AARP and other retirees from around the world are already seeing good returns from following a model promoted by Tomorrows Home Business group which is leading the way to help people help themselves and provide hope for the future.
A Recent AARP Survey found that middle aged workers in the USA were not making enough effort to make savings for their retirement, using excuses such as the cost of their childrens' education.
The earlier you start retirement planning the less it will cost you and the larger your nest egg will grow. The AARP survey also found that its members were planning on working longer in order to make up shortfalls due to the current economic situation. The deteriorating economy will make it harder for people to save more but they need to make the effort now or face a crisis in the future.
Many AARP members take up part time jobs both to keep themselves active and also bring in extra income. Some go as far as setting up a home based business, such as Tomorrows Home Business, which has a ten year plan to create wealth and is affordable to middle aged people and AARP members.
So what can Tomorrow's Home Business offer AARP members. An easy method to build a secure income over a medium to long term period with minimum commitment of time and money. No special skills required apart from being able to use a computer.
It does not matter if you are a member of AARP or not if you want to know how Tomorow Home Business can help you request more information by clicking here and filling in a form.
AARP Insurance - Lifetime income plan was designed specifically to provide fixed immediate annuities that help AARP insurance members protect themselves against the risk of outliving their savings. The AARP Insurance group annuity plans let AARP members turn part of their retirement savings into monthly income payments that will be locked in and guaranteed for life. The AARP Insurance Program offers single life and joint life annuity plans and come with important features not offered by every annuity plan if you pass away prematurely, your beneficiary will receive any remaining payments that were guaranteed.
AARP Insurance members age 50 to 89 can purchase an annuity in any amount of $5,000 or more. You can be confident that your annuity income payments are guaranteed. With this Program, your income is backed by the financial strength of New York Life Insurance and Annuity Corporation, part of the New York Life family of companies. And, this is the only annuity Program endorsed by AARP Insurance.
AARP Insurance programs are not the sole way to obtain monthly income in retirement a group of Entrepreneurs (Tomorrow's Home Business) have combined with TriVita, a health and wellness supplier to use a plan which will produce a substantial monthly return after 10 years for a one off payment of $1,000, which will greatly enhance your lifestyle.
More Information is available in our live conference room on Thursdays 6PM PST (Click Here To enter Room and use password "success") or else contact one of our members.
Better Home Based Buisness - Are you Amember of AARP
If you Are a member of the American Association of Retired People (AARP) the current financial upheaval is certainly cause for concern. Not only only are your AARP investments falling in value, but also you may lose your hard earned saving that are help on deposit. To make matters worse your Government is going to make you the taxpayer pay for the recent bank failures.
The AARP is a very large lobbying group of baby boomers and as such actions you take can have a powerful effect on your future.
AARP members have a multitude of backgrounds, some are wealthy and retired early and some continue to work in retirement to supplement their income, others less fortunate are unable to find work due to disablement and struggle to survive on Government handouts.
What can AARP members do during these difficult times? One thing is certain they need to take back control of their future.
One way to do this is to look at a group of people, many of whom are already retired, like myself, are doing to create future wealth from committing as little as $1,000 in order to build a secure income for the later years of their life.
Image how you will feel in ten years time to have an extra $5000 a month in your pocket, to help towards medical bills, holidays or pass on to your family members.
We are called tomorrows home business, and AARP members will find we have a unique business plan which can benefit them. to find out more you are invited to attend a Presentation at http://www.tomorrowshomebusiness.com/Conference_Room.html on Thursdays at 6PM PST using the password "success" or else contact us for more information.
In the last six weeks alone Bradford & Bingley, HBOS, Lehman Bros, Wachovia, Washington Mutual, Dexia, Fortis, Merrill Lynch, Morgan Stanley and the entire banking system of Iceland have either expired or been taken over, either by rivals or by the state.
After a lifetime of trust in familiar high street banking names, ordinary depositors no longer believe their money is safe.
The rich are looking for safe havens in Germany and Ireland where even the largest accounts are explicitly guaranteed by government. The biggest problem is one of example, because banks themselves believe least of all. They are only willing to trust their cash to their central banks instead of helping each other out for day-to-day cash as they used to.
what does this mean for the small saver, well you need to get your money working for you, now stocks and shares in the USA and UK are at their lowest levels for 4 years, but perhaps now is not the time to buy.
what you are looking for is something to protest you from inflation, well perhaps I have the answer from an unusual source. how do businesses make money? Generally speaking they rely on customers. Well I can show you a business where you can own customers and get lifetime commissions on their sales. why not check it out by coming to our meeting room at Tomorrows Home Business on Thursdays 6PM PST using the password success.
Tomorrows Home Business does not require you to market or sell anything unless you wish to. You can just buy customers to earn money. We have over 8,000 customers at the moment.
Promoting your home based business seems to get harder every day and is a reason for home based business failure. No Matter how you promote it is a time consuming effort.
Yes, there are tools around to help your home based business such as auto responders, I bet you have one, but do you think people read your messages. Lets put it another way do you read all you mail, No of course not, that why you have an auto responder for your home based business.
Lets face it mailing does not work, so what else can we try, FFA's and online adverts for home based business are the same few people ever read them.
How about telephone calling, well you can have some success here, once you have waded through contact numbers that are false or have been disconnect, but you need to be hard skinned to listen to abuse from someone whose phone has been ringing every half hour with offer to join this or that home based business.
Promoting or marketing a home based business is very hard, so why not leave it to the experts, like the members of Tomorrows Home Business. Instead of following up leads they purchase actual existing customers and earn lifetime commissions on all purchases.
No Marketing or selling is ever required, in fact it is possible to earn a substantial income just by purchasing customers. For more details of a home based business that works click on Contact Us button to arrange a suitable interview time.
Why you need to avoid Free Home Business Opportunities
Free is very popular on Google with millions of results but if you narrow down your search to the phrase Free home Business there are less than 1000 results and some of these are offering newsletters, tools or free information, so this means there are very few free home business opportunities.
I belive that this is true, because many of these so called free home business opportunites contain a catch where you need to pay money, how many times have you seen join for free in an advert, this is used as a come on to collect your details and perhaps give you a taster of how a home business will make you rich.
Many people get suckered in to a free home business only to find that in order to earn money they need to spend money. I do not know of any home business where you will not have to spend money, if there is one please contact me.
All home business need four elements, time, work, money and customers in order to create wealth. Many home business failures are not caused by the lack of time, effort or money but due to lack of customers.
Customers are the key to success, if you have no customers you have no business. We can show you a fool proof method to create wealth by buying customers, all you have to do is to contact us for free - but it's not a free home business!
Chancellor Alistair Darling has again pledged to do "whatever it takes" to protect bank deposits as Gordon Brown announced plans for a new National Economic Council to co-ordinate the Government's response to the global economic crisis.
At a joint Downing Street press conference with Mr Brown, the Chancellor said savers should be reassured by the Bank of England's promise to make sure that banks had the funds they needed.
At the same time, the Financial Services Authority said it was extending the guarantee to depositors in British banks from £35,000 to £50,000.
This comes a few days after the Taxpayer bailed out UK Bank Bradford and Bingley. Banks in the UK like those in the USA are under threat.
The time has come come to take control of your finances and wealth to secure your families future. If you need a way to protect your lifestyle contact Tomorrows Home Business
Better Home Based Business -Start Your Own home based Business
The Economic troubles are spreading around the world, with prices rising, businesses closing, Governments bailing out banks bad dept and rising inflation. Where will this all end?
One thing is clear its is time to look at ways of securing your own future and one way of doing this is to start your own home based business. Now you need to find a business that is simple and easy to run and will give you a good return on your investment.
Avoid the get rich quick home based business scams that promise the earth and give you nothing. also avoid MLM's where you need to purchase and deliver products. You need to find a popular home based business which has products that are purchased on a regular basis, such as health and wellness products, because no matter how the economy is performing people always want to look good and be healthy.
Think about how you are going to market you home based business, do you have any marketing or advertising knowledge? not many people do, so you need to find a company who will market and advertise your home based business.
When you search on the Internet there are millions of home based business opportunities, so why do 99% of them fail. The answer is simple they fail to get customers, due to bad products or marketing.
One group of business owners - Tomorrows Home Business has examined why home based business fail and has built a business plan based on buying customers which resolves the situation.
The home based business is so simple to set up a child could do it with minimum computer skills and no experience at all. There is no failure rate. Click Here To Request More Information
The key to a successful home based business depends on your self-motivation to push yourself ahead against any obstacles you encounter in order to reach your goals
Success really depends on the amount of time and effort you put into to build your home based business. This may be actively talking to people writing blogs or articles or passive such a reading books.
Do accept the fact that it take time for any kind of business to succeed and it may take a couple of months or years to see the fruits of your labour. Have you ever asked yourself how many years of studies you need to put in before you can get a Degree or Master?
You must approach home business ownership with a positive mind and take into account the sacrifices that must be made to make your dream come truth.
Always remember this:
Get-rich-quick schemes doesn't work. If they did, then everyone on the face of the universe would become millionaire.
As a Boss of a new home based business, you have to learn about business organization, planning, marketing, time management wearing many hats all at the same. You learn to be independent as you invest an increasing number of hours to nurture it, watch it grow and bloom into a successful enterprise.
In return, you gain a wealth of of business experience before you finally make a commitment to quit your employee status and do it full-time.
When working for your home based business, you are empowered to achieve many things you can never do and learn. You are no longer the employee stuck to the same old routine kind of work from 9 to 5. Your 10 years of job experience doesn't have any increasing value as it is just like a year of work experience repeated 10 times. You are no more at the command of your tyrant boss who wouldn't let you take time off when your little children falls sick and the same tyrant boss who called you during your off-duty hour to rush back for work for the sake of the company. You are so busy and often work late that you forgot the beauty of the rising sun.
Just think, owning your home based business means you can earn money and take good care of your family simultaneously. Of course, the best part is that you don't have to worry about being out of job.
Ever wonder why many businessmen like Donald Trump can went bust and then back to become a MILLIONAIRE again within a short-period of time?
It is The wealth of business experience they have accumulated as an entrepreneur which will always remain inside them for the rest of their life.
The Current banking crisis in America and Europe is raising the question as to how safe deposits are and are there alternative ways of building wealth. Many people live for today, which is a reason for keeping money on short term deposit or in a current account.
The time has come to re-examine your how you hard earned money is working for you. The housing market is not a good area at the present time. The Stock market is week and even the traditional gold and silver markets are sluggish.
One area where despite the recessionary trends consumers are still spending money is the health and wellness industry, so this may be an area which can offer an opportunity for a good return on investment (ROI) Now we are not talking about purchasing shares, but if you are one of these people who regularly take vitamins and minerals then perhaps you should consider setting up a business and buying from yourself, you could save some 20% initially and end up having a successful home business.
Now running a home business is not for everyone, people say they have not the time or knowledge to market one and do not want to approach friends and family. Tomorrows Home business has the answer because we are associated with a health and wellness company from which we can purchase existing customers, we do not have to do any marketing or selling or get involved in any way unless we wish to. we can buy customers and earn commissions for life. In fact if you had $1,000 to invest now, by doing nothing you could be earning over $5,000 a month in 10 years - not bad for doing nothing!
To learn more please click on the Contact Us link below
Troubled times ahead as Dow Jones records 600 point fall and around the world other financial institutions such as the UK Bradford and Bingley Bank are also failing. The Bradford and Bingley failure was due to the Bank lending money to people who could not afford to pay it back and now the taxpayer is expected to bail them out.
Why is it that so many people try to live beyond their means, it seems we are living in a spend now and do not worry about the future mentality. Governments and tax payers will not be able to pay out indefinitely. It is up to you to plan your own financial future.
You need to develop a number of income streams in order to become wealthy. Working for a wage will never make you wealthy, what you need to do is invest in you future, when you can purchase property, shares and collectable, yes there is a slump in the first two at the moment, but they will rise again. Selling on Ebay is a way some people make money from little used possessions. Starting you own home business is another way to create an income stream.
If you have money to invest now, Tomorrow's home business will show you how a partnership with a successful health and wellness company will be able to provide for your future needs for more information click on Contact Us link below.
How secure is your future, the economic downturn is forcing many Americans to take stock of their position. fuel prices are yo yoyoing up and down, banks and financial institutions are under threat, forcing the government to step in with funding. All this does not bode well for the future. If you are nearing retirement, do you think you can live on government handouts, with rising prices and job losses.
The average American throughout his or her working life will earn in excess of a million dollars and end up with little to show for it.
You need to take action now and take control of your future. Tomorrow's Home Business has been formed by a group of Entrepreneurs, with the sole aim of improving the average persons wealth. We can show you for example how a one off investment to purchase customers from a Health and Wellness Company in the USA will produce a residue income of thousands of dollars a month after 10 years.
The plan is inflation proof as you earn a percentage on each customers purchase and as the products increase in price so does your commission.
You can just sit back and reinvest your commissions to purchase new customers but we would hope that you will help with our co-operative marketing effort by learning some basis techniques to help capture top positions in Search Engine results.
Absolutely no selling is required and you do not need to involve your family and friends in order to earn money from this business.
WE hold and online presentation on Friday evening 6PM PST and a workshop on Sunday evening at 6PM PST which you are welcome to attend, just click on the Contact Us link in my signature to let us know of your interest and we will provide further instructions
What Makes the Best Work at home business
You need to examine what is required to run a successful work at home business.
The first question to ask yourself is do you have the right commitment and drive to start a work at home business. If you want to earn more than a few extra dollars, you are going to have to ether work hard or invest money into you work at home business. Most work at home businesses fail in the first few years.
What kind of business are you going to conduct, is it going to home typing or data input or are you going to sell a product or service, whatever the case you are going to need customers, so where are these customers going to come from? I suggest that you forget friends and family, who might buy from you, and look to how you are going to market your work at home business.
You can have the best work at products in the world but if you cannot market them you will not get customers and your business will fail. So you are either going to learn how to market or pay someone to do it for you.
I have found a unique work at home business where not only does the company do all the marketing for you but you can buy customers from them to build your work at home business. If you are interested feel free to contact Tomorrows Home Business
Wealthy people buy businesses to increase their wealth, and create multiple income streams. If you have dreamed of owning you own home based business, you do not necessarily need thousands of dollars. What you can is purchase a share or a partnership.
Established businesses usually have a large customer base which is the reason for their success and this is the type of home based business you are best to get involved with.
Tomorrows Home business can show you how to set up a successful home based business by buying customers from an established nutritional company in the USA. One example is to spend $1000 on purchasing customers and then reinvesting all the money spent by these customers for a period of ten years after which you will be able to draw an income of around $5,000 per month.
I you are looking to build wealth over the medium to long term we have strategies that work and will provide you with income in the future which is inflation, because as the cosy of the goods your customers purchase rises so does you commission. for more details contact us
betterhome based business - Mulstible Income streams
Everyone needsmultiple income streams to build wealth, but how do you get them to work for you. most Peoples main income stream is their job and the income may or may not vary on the hours they work, however it is constrained by time and cannot on it own produce wealth.
You can create multiple income streams by taking on other jobs but again time is the limiting factor. One way around the time constraint is to get other people to work for you and then time is not a limiting factor.
One of the best multiple income streams is to create residue income, where you buy something once and then get income from it, common forms of residue income are property which you buy and lease out or stock and shares which pay out dividends.
Multiple income streams protect you, if you only have one income source. say from labour and you lose your job you will soon run out of money, but if you have multiple streams you will still be earning money.
If you own a home based business you can use referral marketing to attract other people into your business to increase your multiple income streams and help build wealth. Many home business owners make the mistake of not reinvesting income from their business, back into their business, not realising the benefit of how reinvesting rather than spending will provide wealth in the future.
If you are looking for an additional multiple income stream come to our online presentation on Thursday 6PM PST at http://www.tomorrowshomebusiness.com/Conference_Room.htm or contact us below
Home based business owners who talk about their business are more likely to build a successful home based business than those who don't. Talking about your home based business is one of the processes that trains our mind, along with writing down and reading positive affirmations relating to home based business.
The more you think and dream about your business the better the business will grow, but you must put thoughts into action. Successful home based business entrepreneurs often keep a pencil and paper by their bed to write notes to follow up in the morning.
Many home based business owners fail to put ideas into action, they talk the talk but don't walk the walk and wonder why their businesses fail.
One business idea that does work is Tomorrows Home Business because the business plan revolves around buying customers, instead of buying leads and trying to encourage them to become distributors like MLM home based business.
Loyal customers are worth their wight in Gold and in fact if all you did with Tomorrows home business was to by customers at the end of ten years you would be earning a substantial income from your home based business.
Tomorrow Home Based Business entrepreneur also work together promoting the idea via blogs and web sites using proven SEO techniques that secure top positions in popular searches on Google.
The DHS Club stands for The Discount Home Shoppers' Club and they offer free DHS Club memberships in our international buyer's club that gives you real team Group Buying Power!
Since 1997, members from all over the world have come to The DHS Club to shop, save and earn cash back rebates at our online ClubShop Mall! From there, DHS Club Members become VIP Members and have begun their own affordable home based international business.
The DHS Club business is a dynamic income opportunity twhich steadily builds a large, long term, recurring income. The DHS Club's innovative Vertical Integration Network Development Plan, and their exclusive e-Business Institute Training Canter and ClubAdvantage Business Building System makes their business opportunity a very unique network marketing or direct sales opportunity!.
Building DHS ClubShop opportunity does however rely on buying co-operative marketing leads and this is perhaps the weak link of the DHS ClubShop business. Purchasing leads does not work, what every business needs is customers,some people however do not understand the difference. Co-operative marketing leads are obtained usually as a result of a marketing campaign which gives away free gifts or samples in return for collecting peoples details and generally speaking these types of people are freeloaders and not interest in online opportunities.
Tomorrows home business has a novel solution, that of buying customers. Buying customers not leads is a profitable business, as existing customers are more likely to repurchase items that they like and have ordered in the past.
How to build a work from home business is a question often asked on Google so you can image my surprise this morning when I looked at the results and found one of my web sites listed in number three position of some 6 million results. The actual text was from my blog running within my home shopping sites.
The reason that my site is so high using the search query how to build work from home businesis is due to the fact that this site has new data posted in the blog on a regular basis and is just what the search engine spiders are looking for. The site also is tagged with the keywords work from home business.
A site which is optimised for for Search engines, following the Google guidelines will always feature well in result provided the content is rel event and has changing content. there is no need to resort to pay per click or pay companies to gt you to top positions when you can do it for yourself.
Once you have set up your work from home business site you need to start marketing it, the first step is to submit it to Google. Once that make sure that you go to Google webmaster Tools, add your site and get it verified. Part of this process will include setting up a sitemap.
So far I have provided information about how to build work from home business site, this is an important step because if you are involved with an Affiliate work from home business it is useless to promote your affiliate site as they will never obtain top positions, you are much better advised to direct traffic to a site which you have full control of and then send potential customers to your affiliate link.
How to build a work from home business is a question often asked on Google so you can image my surprise this morning when I looked at the results and found one of my web sites listed in number three position of some 6 million results. The actual text was from my blog running within my home shopping sites.
The reason that my site is so high using the search query how to build work from home businesis is due to the fact that this site has new data posted in the blog on a regular basis and is just what the search engine spiders are looking for. The site also is tagged with the keywords work from home business.
A site which is optimised for for Search engines, following the Google guidelines will always feature well in result provided the content is rel event and has changing content. there is no need to resort to pay per click or pay companies to gt you to top positions when you can do it for yourself.
Once you have set up your work from home business site you need to start marketing it, the first step is to submit it to Google. Once that make sure that you go to Google webmaster Tools, add your site and get it verified. Part of this process will include setting up a sitemap.
So far I have provided information about how to build work from home business site, this is an important step because if you are involved with an Affiliate work from home business it is useless to promote your affiliate site as they will never obtain top positions, you are much better advised to direct traffic to a site which you have full control of and then send potential customers to your affiliate link.
There are so many work from home USA jobs when you search in Google that you are spoilt for choice the question is what kind of job are you looking for, and how much time do you wish to spend on a work from home USA Job.
Depending on what job you choose you must remember that it will take you time and effort to build a work from home business from scratch and to be honest the statistics are against you, as there is a 99% failure rate, the rate has been creeping up over the years due to the increasing scams and dishonest business promoters.
When you start a new work from home job USA, you are full of enthusiasm, but this soon wanes when expected income does not meet your expectations. One suggestion I have is that instead of looking to start a new business from scratch, you are better to seek an established business. Look for a business which already has an active customer database, because a business without customers will fail. You probable do not have the funding to purchase the business outright but you could work from home USA job by affiliating with them.
You will also need to examine the product or services provided by the business to find out which area of the market they are working. I have found a company in the health and wellness industry, which even does all the marketing and sales for their work from home USA affiliates who can buy their customers to obtain ongoing commissions.
A home based Business which makes money whilst you sleep is a dream business for everyone, but does it really exist. Yes is the answer, but it is not what most people think, It is not a get rich quick scheme or gifting program and you will not be getting getting paid weekly.
To learn the secret of home based business success you need need to look at how traditional business is carried out, most start up businesses fail in the first five years due to lack of customers, so business entrepreneurs tend to buy out existing businesses who have an established customer base, good products or services and have been trading for about ten years.
Few home based business owners have sufficient funds to take over another business outright but a company in America does sell its customers to home based business owners, allowing the business owners to earn commissions from all the customers that the compamy sells to. The Company also covers all the marketing, advertising, sales and delivery costs. So all you have to do after buying customers is to watch the money flow in without having to lift a finger.
I know one person who over a period of several years has earned a four figure income every month from this strategy, if you wish to learn more click here to contact me
http://www.mytomorrowshomebusiness.com/Contact_Us.html
David Ogden - Internet Marketing Mentor
Skype seadogs11
Free Work From Home
Many Free work from home business opportunities exist on the Internet and are popular in Google as everyone is looking for something for free. The sad truth is if you join a free work from home business you are not going to succeed
Some work from home business's offer free membership to get get you interested in their work from home business, but you will quickly discover that you need to spend money to make money and this is where a lot of people lose interest.
What is the use of building a down line in a free work from home business if no one is ever upgrading or buying. All work from home businesses' need to have customers in order to make money. Traditional Lams's recruit from friends and neighbours and purchase leads to try to build their business, but friends and family do not usually become good customers.
Buying leads for a work from home business is not cost effective either, because you do not really know how they were obtained, it could be they were offered something for free and in the small print agreed to accept communications from other work from home companies.
Every work from home business needs customers, they are the lifeblood of any business. One group of people known as Tomorrows Home Business have realised the importance of buying customers and members are already getting income.
A free work from home business will never make you money because every business needs three elements, time, money and effort, if you are not committing money you are unlikely to make any effort as you have nothing to lose and you will never give it time to work.
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Last months unemployment figures were the highest for 34 years with a further 598,000 jobs lost and the trend is expected to continue with some experts expecting it to reach 9% by the end of the year. Long term unemployment is also growing with 2.6 million people being out of work for over six months. 
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ahead provided their are changes in management who
caused the problems in the first place. The USA cannot afford to close the
plants down but will need to make them more efficient.