Post image for When to start saving for retirement

Is there a right time to start saving money for your retirement? In short the simple answer is yes, as soon as possible. My theory and that of many others is that as soon as you start working you should start saving for your retirement. Even if it is just a tiny percentage of your salary each month you should put away something for your golden years. Read More…

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Post image for Stop the Government from Stealing My Retirement!

Stop the government from stealing my retirement!  There is little known provision of Social Security called Windfall Elimination Provision (WEP) that reduces your benefits.  If you receive a pension based on earnings from any organization outside of Social Security and Social Security benefits, you will become familiar with this provision very quickly.  Why should this matter to you and what can you do? Read More…

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Post image for Should I Refinance My Mortgage?

When does your bank call you and offer to refinance your mortgage for a lower rate?  Until last week, I would have answered, never!  I have a fixed rate mortgage that I am paying off it off in four (4) years why should I refinance?  The bank offered to lower the interest rate and pick up all the costs.  Refinancing a mortgage at a lower interest rate isn’t always the right decision.  What should I do? Read More…

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Xanatos Gambit!

by Krantcents · 44 comments

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Have you ever heard of the Xanatos Gambit?  “A Xanatos Gambit is a plan whose multiple foreseen outcomes all benefit its creator. It’s a win-win situation for whoever plots it.  At its most basic, the Xanatos Gambit assumes two possible outcomes for the one manipulated — success or failure. The plan is designed in such a way that either outcome will ultimately further the plotter’s goals.”  The planner always wins! Read More…

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Road to Riches!

by Krantcents · 44 comments

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Road to Riches can be a bumpy ride!  Maybe you had a paper route, lemonade stand, sold Girl Scout cookies or some other money making activity as a kid.  If you had an early interest in making money, you probably are likely to start a business.   Although 50% of everyone has a net worth of less than $10,000, a select few are worth more than a million dollars!  How do you match up?

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Post image for Congratulations Class of 2013, Now What?

Congratulations class of 2013!  Four years or more of hard work has gotten you here.  Alright, maybe it wasn’t all hard work; you enjoyed college, joined a fraternity or sorority, participated in sports, joined clubs or organizations, enjoyed a party or two and had a good time.  Now you have to start acting like an adult and get a job, move out on your own and support yourself.  What should you do? Read More…

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Post image for Negotiation Starts When You Ask a Question!

When you ask a question, you are negotiating!   Negotiation is a dialogue between two or more people or parties intended to reach an understanding, resolve point of difference or gain advantage in outcome of dialogue, to produce an agreement upon courses of action, to bargain for individual or collective advantage.  Don’t you negotiate all the time in your personal and professional lives? Read More…

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Post image for Would James Bond be eligible for life insurance?

Brought to life by novelist Ian Fleming in 1953, James Bond started out first as a character in a book, and then moved to film, television, radio, comics and video games. The infamous 007 has been the star of 23 films to date, and has enchanted Bond Girls and killed baddies for six decades.

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Post image for How is your Retirement Savings?

Do you have enough saved for retirement?  It should be no surprise than too many Americans have not put enough aside for retirement.  So much has been written about baby boomers and retirement, but I recently read a Los Angeles Times  article how it is not limited to them.  10,000 baby boomers turn 65 years old every day and will for the next nineteen years!  Will you have enough savings for retirement?
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Post image for 4 Decisions that Will Cost You a Fortune!

As I get old(er), I tend to reflect on my decisions more often.  It is one of the ways I learn to make better decisions and learn from my mistakes.  Yes, I make mistakes!  If you are making decisions, you make mistakes.  No one bats a thousand!  You cannot avoid making mistakes, but you should make more good decisions than bad ones.  Especially the big decisions! Read More…

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