Free Retirement Plan

Should a person who delays gratification and works hard in school be allowed to enjoy the fruits of his/her labor?

Should a person who "lives for the moment" reap the benefits of impulsivity?

Should planning and effort have an equal financial result with chaos and impulsivity?
thomasina…did you look for the government to solve your problem when your job went overseas, or did you roll with it?

Yes, you get exactly what you deserve based on what you put into it.

And fo rthose who say, b-b-b-b-but, what about rich kids inheriting – well guess what SOMEONE in their family had to put in some hard work so that their future generations could enjoy it. See thats how alot of families work, you work hard so your chidlren and grand children can enjoy and have a better life than you had.

In order to become a stockbroker, one must study and pass a series license, whether that is the Series 7, Series 6 or a 65 license. Find out how stockbrokers join professional organizations to build there careers with help from a registered financial consultant in this free video on stockbrokers.

Expert: Patrick Munro
Contact: www.northstarnavigator.com
Bio: Patrick Munro is a registered financial consultant (RFC) with outstanding sales volume of progressive financial products and solutions to the senior and boomer marketplace.
Filmmaker: Reel Media LLC

Duration : 0:1:21

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My husband and I have one beautiful child (age 1) and we are wanting to have another. I am concerned about finances as prices are crazy these days and I want to be sure we are in the best situation with our finances. I talked to a bank that offered free financial planning advice but they were no help at all and only cared about my joining their programs.

Who can I see that can review the payments I am making, the mortgage situation, my bills, income, etc. and provide some great advice? Is it a CPA? Is it a financial consultant? I really just want one time advice for a moderate fee just to see what my options are and what can be done better. Thank you for your help.

Why pay someone to make a decision that you already know or can figure out on your own. Since you and your husband or going to support the child for "X" amount of years then sit down and make the decision with your husband anyway Take Care and God Bless

Hi, I need prescription medicine but I don’t any insurance plan and I’m currently having financial difficulty, I would like to know if anyone knows how to get free or near free medicine. Medicare is not applicable to me. Thanks in advance.

Many drug companies have programs where you can get free medicine. Your doctor will have information and help you enroll. Also, don’t be shy about asking your doctor for samples. Almost all of them have a closetful of them and if you explain you are having difficulties, will give you as much as they can.

This website will also be helpful to give you an idea of what is available:

http://www.needymeds.org/

You may also want to inquire at your pharmacy about a discounted drug plan. Many states have funds set aside for this purpose.

http://iiagroup.biz Choosing the right investment advisor. Host Tami Simpson, president and founder of Insured Investments Advisors Group delivers sound investment advice for retirees. Trying to decide if annuities, 401K, IRA, the Stock Market, Mutual Funds, Real Estate or other investment plan or strategy is right for you is what an expert retirement financial planner will help you decide. Look for a retirement asset allocation planner who is a Fiduciary who will manage assets for your benefit rather than for their own profits. Tami talks about Stocks, Bonds, Mutual Funds, Annuities, Savings, Insurance, IRA’s, 401k’s, Pensions, Investment Real Estate, Second Homes and Businesses. Learn about minimizing tax liability and providing for Long Term Nursing Care costs. Contact Insured Investment Advisors Group for a free consultation and evaluation.

Duration : 0:5:38

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Many times people think there is no way I can save enough money for retirement. They feel like I’m just going to have to work until I die. That is not the case. There are things that you can do to enhance you chances to retire at a decent age. You just have to be willing to get started. Here are some suggestions to get things started.
1. Pay bills on time but do not over pay. There are problems with paying bills late and with over paying. When you pay late you get hit with late charges and fees. This can increase your monthly payments by as much as 30% or more. This is a very high interest rate for a short term loan. The opposite is true if you pay too much and carry a credit balance. Most companies will not pay interest on credit balances. You would be better off depositing the extra amount into a savings account and earning interest even if it is very little.
2. Take advantage of savings plans at work. For some people it is easier to save money if you never see it. If your employer has some type of plan that allows you to deduct money directly from your check then that is the best way. This can be a thrift savings, credit union or 401K plan. This can be easier and more systematic than having to deposit your check and then moving the money into some form of savings. Once you have accumulated three to six months of your necessary bills or living expenses into an account, and then look for something with a higher return. Until that point, look for security not return on investment.
3. Take advantage of free money but contributing to an employer sponsored retirement plan. If you have a plan available at work that has an employer match, TAKE ADVANTAGE OF IT!! This is free money that is not available anywhere else. I would suggest that you contribute at least to the point that the matching stops. So for example if your employer matches %100 of your contribution up to the first 6% the put in 6%. Additional contributions will depend on your situation but take advantage of the free money.
4. Play games with yourself by setting up a reward schedule. We are a society of immediate gratification. When you look at the time to retirement that can seem a long time to wait for your reward no matter what your age is. A way to overcome this is to setup a schedule of rewarding yourself at specific intervals. You can say that when you have put aside “$ x” for “y” number of months then you will reward yourself with something. It can be a gift for yourself, a night out or a vacation. The opposite can work by penalizing yourself for not sticking to your plan. You can say that if you fail to meet your commitment you will contribute money to the politician you like the LEAST! That for some people is the trick.
5. Take advantage of small changes. For some people it is easier to make small lifestyle changes. Bring a lunch to work instead of eating fast food. This will create small savings amounts like $5, $10 or $15 per day. This can add up over time. Car pooling with others is another example of ways to save money.
6. Attack larger items of savings. For some people to get motivated it takes large savings. An example of this is when you pay off your car don’t buy a new one. Take the money that you were paying monthly as your note and put it into savings. You can use this money to purchase a used car when you need to buy something else. This strategy can save you thousands of dollars over time. You will have money to possibly pay cash for a used auto and maybe still have money left over.
These are ideas of ways to save money that can be moved into your retirement savings plan. The main thing is to get started. Time is going to be your biggest asset. The sooner you get started the longer your investments will have to accumulate returns.
By Sharon Denise Talbot

The IRS requires proper records like a receipt, canceled check or investment statement for all cash donations under 250 dollars. Avoid an brutal IRS tax audit with proper book donation bookkeeping with tips 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 : 0:2:56

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Annuities are invested by insurance companies under government guidelines. Invest in annuities with tips from a registered financial consultant in this free financial planning video.

Expert: Patrick Munro
Contact: www.northstarnavigator.com
Bio: Patrick Munro is a registered financial consultant (RFC) with outstanding sales volume of progressive financial products and solutions to the senior and boomer marketplace.
Filmmaker: Reel Media LLC

Duration : 0:1:12

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Financial planners need an education that is a combination of formal education, life experiences and an understanding of how to manage money. Find out how financial planners come from numerous walks of life with help from a financial strategist and consultant in this free video on education for 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 : 0:3:27

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Anyone able to recommend good free household budgeting software. Ideally just something to track expenses, financial planning etc. Thanks for any replies.

Spend the money and buy: Quicken (the basic version). Its worth the investment.