This video talks about short selling. There are many who want to blame short selling for the collapse in 2008. This videos discusses that if anything it is the opposite. There are resources at the bottom of the article.

Gordon Brown & Henry Paulson are blaming speculators ( scapegoats ) for the economic crash, the ban on short selling does not stop the fall of bank stocks because investors are dumping their own bank stocks, the current free market capitalist system is not “free” but rigged by those in power ( deregulations ), martial law, hyperinflation, the collapse of the financial systems looks like a controlled demolition, the “paulson plan” 700 billion bailout is a financial power grab similar to the patriot act, the unregulated banking system of derivatives is called the shadow banking system, recorded on September 27th 2008
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the whole audio is at . . .

http://karmabanqueradio.com/2008/09/27/975-the-truth-about-markets-27-september-2008/

Resources:

Inestopedia: What Is Short Selling?

Wikipedia: Short (finance) Stock Market
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Duration : 0:9:55

Religion can have an impact for financial planners in that it can provide a level of assurance to clients that someone is looking out for their best interests. Find out why it’s important for people to let go of the idea of control when it comes to finances with help from a financial strategist and consultant in this free video on religious financial planners.

Expert: Ted Schmidt
Contact: www.flgus.com
Bio: Ted Schmidt has spent the last 21 years as a financial strategist and consultant. He is active in the Hendersonville Chamber of Commerce and the Real Estate Investors of Nashville.
Filmmaker: Dimitri LaBarge

Duration : 0:3:39

In the world of financial management there are several phases. This article examines the part called wealth accumulation. The phase of wealth accumulation is the part that if it is not accomplished will mean that there is no retirement. Additional resources are contained at the end of this article.

Free Retirement Plan Wealth Accumulation

This is the phase that everyone wants to talk about but few do anything about. The news and popular media talk about wealth and the trappings that go along with it. Popular culture, movies and entertainment tout the benefits of large houses, cars and expensive toys. Rarely do they talk about true wealth and how to accumulate it.

Getting Started .

Let’s get to the nitty gritty of it all. There are a few steps that you need to take before you even get started:

1. Write down every dollar that you spend over the next month. Examine why you have each expenditure, and is it necessary? Could you do without it?
2. Examine your debt. What can be reduced? Put your debt in two lists. Sort one list by size and the other by interest rate. Payoff the small debts first. Create some small successes. As you pay some smaller debts off, look to also eliminate some of the higher interest loans.
3. Make sure and pay your biggest fan first, YOU!! You should save at least 10% of your salary with the goal of taking that to 20%
4. Set a goal of giving 10% of your earning to the charity of your choice. For many that may mean donating your time in the beginning. Use your earnings per hour in your career as a guide.
5. Take advantage of all three of the savings buckets available: Tax deductible savings – Employer sponsored plans. Tax deferred savings – Life insurance, ROTH IRA’s. Taxable savings – These are plans like passbook savings accounts, CD’s and money market accounts. Used for emergency savings.

This is the most important phase that most overlook. You will want to have a liquid account with a value that equals 6 months of your necessary expenses. This is in the event of a job loss, illness, natural disaster etc. so that you household could maintain itself for that period.

The other goals that you will want to accomplish, is to have paid off all your debts that are attached to major purchases over the period of 18 to 36 months. The only debt that should remain is for housing. The goal would be to have housing debt paid off within 48 to 60 months. You would then want to stretch the life of these purchases to 10 to 15 years.

Once you have accomplished all of the goals, except housing, you can move that cash flow towards retirement savings with a vengeance. When housing is paid off, then that should represent a quantum leap in your retirement savings. A key element is to avoid the temptation of “keeping up with the Joneses”. This can mean doing things a little different than others. An example would be cooking your own meals rather than eating in restaurants the majority of the time. Take the difference and apply it to your retirement plan, saving or debt reduction. Spending money on self-improvement is more productive than spending money on entertainment. Each expenditure should be examined and the decision made it this more important than meeting our risk based or retirement needs.

These are decisions that should be continually reviewed. As income increases and / or debt and expenses are decreased you must reallocate your net income.

What is my chosen career?

When making a career choice, keep in mind this is what you are going to do for the next 35 to 40 years of your life. It is important that you make a choice that you will be able to stay with and not lose your sanity. There are many assessments that will help you best determine a career that suits who you are. It is better to chose something that works toward your natural strengths.

Trial and error may come into play. You may have to try a number of jobs before you find the career that will be the right one for you. Career selection is a highly personal choice. For some being able to work outdoors and not be confined to an office is desirable. These jobs become less desirable as a person ages. Usually these careers pay more in the early years, relative to office jobs. This career path requires a level of physical fitness and somewhat less mental fitness. Over time the physical activity becomes harder to maintain and even harder to increase. On the other hand, an office career usually starts out relatively lower in pay. However, over time it becomes easier to increase one’s mental capacity instead of rather than physical ability. This however also comes with a price. A sedentary life style has negative effects on one’s physical health. It may be desirable to schedule exercise as a part of your off time.

Post high school education will not guarantee you a higher salary, but it will help. Either trade or vocational schools or colleges and universities will improve your opportunity to earn more over time. Both of these will require a financial commitment. For an initial period even after your education is complete you may not make as much as those with less education or training. This will be offset over time. The important thing is to get education in an area that you feel you will be able to work in throughout your working career. The next thing to remember is to be prepared to change directions later in life.

Post retirement

Technology will change things as you age. Things that were necessary to society and highly valued may become worthless as you grow older. Buggy manufacturers in the 1800’s were prized but today are very valued. Typewriters in the 1960’s and 1970’s were an important part of business, but today you can’t give them away. Continued study and willingness to adapt will serve you well throughout your career. As science continues to increase our productive lifespan, this may even become necessary.

In the early 20th century, the life expectancy for the entire world was 30 to 40 years. In 2008, the average life expectancy of the world is 66.12 years of age. The United States has a much higher average. The current average life expectancy for the United States is 78.06 years. This means since 1900 life expectancy has increased by 66%. In 1900 you were even expected to live to the current retirement age of 65. Many insurance companies are basing their insurance policies on an age of 120. If this were to happen, it would mean that savings of 35 to 40 years would have to support a life style that would last for 55 years past retirement. You will either have to choose a longer working career, a part-time career, a higher savings rate, or a lower standard of living after retirement or some combination.

Another factor to consider is inflation. Let’s assume you have a retirement income need of $5,000 per month. If we use an age of 65 and assume a life expectancy of 90 having an inflation rate of only 3% will increase that income need to $10,468 per month.

Health insurance is another often overlooked factor. Health insurance costs are rising faster than inflation. This means either you will have to make health insurance a part of your retirement package from your employer, plan for rising costs that will outpace your investment earnings or continue to work for insurance benefits. This along with the cost of home health care in the event of a chronic illness or injury could wipe out your entire retirement nest egg

Summary of How to Achieve Retirement Success

In summary, there are several things to take into account when preparing for retirement.

1. Take advantage of your most valuable asset, TIME! The earlier you get started the sooner compounding can help you.
2. Starting with a relatively more aggressive allocation in younger years and then gradually becoming more conservative as you get closer to retirement is an advisable strategy.
3. Eliminate debt as early as possible.
4. Create a systematic strategy towards eliminating debt and savings.
5. Pay yourself first.
6. Educate yourself.
7. Be flexible
8. Make decisions based a long term strategy.
9. Consistent returns are better than extreme highs and lows

You should always seek the advice of a financial professional prior to making changes in your financial plan. The examples contained in the above article may or may not match your personal situation.

Disclosure

Resources:

EHow

Investopedia

I attended a free financial planning seminar led by David Ansbro. David spent 3 hours on a Saturday morning to share his insights into financial planning. The seminar was free but the wisdom he shared was priceless. What stood out to me was that David wasnt selling anything. He simply hoped to impart his insights with people who needed it the most but often cant afford it. Davids clients are the cream of the crop. Yet, David has a heart for seeing people live their financial dreams.

Duration : 0:4:45

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Obtaining a copy of your credit report can be done with one website on the Internet, but be careful of websites promising free credit reports as they may sign you up for a credit monitoring service. The government allows an individual a free credit report every 12 months from all three credit bureaus, so learn how with advice from a financial planner in free personal-finance video.

Expert: Julie Asti, CFP
Bio: Julie Asti works as a financial planner for Asti Financial.
Filmmaker: Bing Hu

Duration : 0:1:34

There’s no such thing as a free of cost lunch break. Furthermore, there’s no such thing as cost-free medication. A few period or another, all of us will will need hospital treatment. Whether it might be for easy colds or for serious illnesses, these things would hurt us and burn our pockets.

According to a recent research, Americans spend more money on professional medical payments than any some other nationality worldwide. As costs get higher and life gets harder, to save a few money from your professional medical cost will absolutely benefit you.

Here are a few practical tips on how to cut your medical prices:

Mind Your Health

Prevention is always a lot better than cure. Being fit and healthy seems to be a twenty-first century fad and it couldn’t harm us if we join in the bandwagon. An research on the 1987 National Professional medical Payments Customer survey revealed that persons who will be more active spend less on professional medical costs than these who live lethargic lives. The research equated the benefit of being physically active to dollar330 (1987 $ worth) in each people.

For people who smoke and drinkers, reducing cigarette and drinking consumption is an solution which you might find feasible. You will not only reduce future health care prices but in addition reduce direct costs from purchasing these items.

Move Generic

Taking generic drugs is find out how to go. Patents are used by manufacturers to be able to set a selling price so as to recover their costs in developing their products. But these patents don’t last forever and at some point, generic versions of these drugs will be presented. Generic drugs are basically the same as the branded ones in terms of ingredients and quality.

Going generic can save you a lot of money. According to the Association of Chain Drug Stores, the generic drugs are priced at dollar24 on the average in 2004, while the average cost from the branded ones is dollarninety six dollars.

Deal with your Doctor

Take period out to discuss things with your doctor, for this can also save you a lot of cash. Don’t be shy to ask him about the possible alternatives that you can take. Ask him if there is a generic drug that you can take if he prescribes you a branded drug. If you are going to have surgery, try to schedule wisely, so as to prevent overstaying in the hospital. And most importantly, do as you are told. If he asks you to quit your vice, quit it. If he tells you to be active, then you’d better be!

Medical expenses can really dig a hole in your pocket. Try to be wise in your professional medical transactions and more importantly, take care of your quality of life.

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Duration : 0:6:43

You can benefit from more financial options with good debt management. A low debt to income ratio and regular payments of outstanding debts can give you much-needed access to credit. A debt management company, however, would be a better option for those who do not have the luxury of good credit. Your next step would then be to choose wisely from the many debt management plans offered.

Settling Your Debts

Paying outstanding debts on time is a great way for you to get, or maintain good credit. You can get a great credit score simply by paying everything off by the due date. The first debts to pay off are high-interest credit cards, then miscellaneous unsecured loans. If you have any mortgages or student loans outstanding, put them last on your priority list.

If you need assistance in lowering your finance charges and monthly payments, a debt consolidation loan is a good option to choose. Another nice way to reduce interest is by doing a balance transfer with your credit card.

Ask A Pro For Financial Help

Now if the above options still do not work, you can try the following option. You can ask a credit counselor to help you come up with a payment plan. If need may be, credit counseling can also involve looking for a debt management agency.

A debt management firm can help by reducing all your unsecured payments down to one single payment. They can intervene on your behalf and ask your creditors to reduce their rates. Be careful, as while this helps in removing you from debt, this can also pull your credit score down temporarily.

One other choice you have is debt negotiation. You will need to pay a fee for a debt negotiation firm to deal with your creditors to help bring down loan amounts. This isn’t a 100% guarantee, but may convince a lot of your creditors. This may help you pay off your loans faster, but would remain on your credit report for seven years. This could mean a long wait before you are able to apply for credit.

Now It’s Time For You To Choose

All these options have their advantages and disadvantages. Everybody has their own financial issues to deal with, meaning you will need to choose an option that suits you. Assess your financial issues before you choose the debt management option. Don’t hesitate to ask if you need assistance. It doesn’t cost a thing to ask for advice from any one of these debt management companies or advisers.

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