Free Retirement Plan

http://www.paytaxeslater.com James Lange, the best-selling author of Retire Secure! gives you expert advice on 401(k), Roth IRA, retirement planning, retirement savings and estate planning.

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Commercial Real Estate Investing 101 – An alternative Commercial Real Estate strategy, that is so simple, so basic, so obvious, you will ask yourself “How come everyone isn’t doing this?” CAP Rates 8% plus, investments@SabreRealtyGroup.com Monthly Distributions Rates 8%, plus Total real time financial transparancy – online 24/7, Next steps, Accredited Investors, IRA / 401k, The Buisness Plan

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http://www.SystemDayTrading.com How smart investors are replacing their income in 90 to 180 days or less by using the unique cash flow strategy. How to cut your mortgage in half. The 4 key skills you must master to succeed in the 21st Century, and how others have used these skills to earn over $100,000pa. REVEALED: How smart investors sell insurance in the market for a small fortune and why your financial planner doesnt know about it. EXPOSED: The myth that it takes money to make money 8 ways investors raise money to start investing immediately, even if they have no cash. How some Australians have become millionaires in the last 6 years using a 21st Century Education including some who have started with very little. How to rent shares to make $5000 to $10,000 a month. How to eliminate debt in 37 years. How to instantly add tens of thousands of dollars to the value of your property for as little as $400. How smart investors are earning a nice and easy $35,000 a year from their investment property tax free! A stepbystep demonstration on how to buy an investment property…..with virtually no money down! A 21 point proven checklist for investing in property so the odds are on your side. How to have a millionaire lifestyle within 12 months without needing to even become a millionaire.

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Saving for retirement came right off the top of our salaries. We had a plan that ensured we retired before age 60 and with enough to live very well. Plan included having mortgage paid and no debts by the time retirement came. Worked great.

I need help with a financial plan (mostly numbers – business plan) in a quick and affordable way. Please note I cannot do it myself. Thanks for any helpful advice?
I should add, that I did part myself, but need help as I have troubles with all the numbers etc.

You CAN do it yourself! In business, as in life, there’s no such word as can’t.
Start with a simple plan: Buy X and sell X at a profit. That’s a business.
Then What am I buying? Where from? Delivery? Storage etc. How do I add value? Premises, labour overheads. Who do I sell to? Market research,customer trends, price, volume.
Then how will the business expand? Costs of expansion, bigger premises, more staff. more overheads, economies of scale, what will the market stand? Gaining market share over competition etc.
Fine tune this basic plan and add numbers. This is YOUR plan, not what someone else would do.
PLEASE, have a go first. Once you start and make the effort you will find others willbe keen to help you. Your Bank manager, friendly accountant. Take advice but believe in yourself. Otherwise give up now.

This answer, submitted on Yahoo! Answers complies with the Answers Community Guidelines.

Lets just say you came into some money, something like 400,000. You pay off all your bills, buy a new car, put a chunk of it in retirement. You have enough to purchase a new house, in full. Would it be better buy the house at once, or get a mortgage, pay interest to the bank, but at the same time, getting interest on the amount left. Assume equal rates you pay to a bank on a mortgage as you would if you left the money in the bank.

Found money disapeers quickly. Pay the taxes due ont he money first, then pay cashf or a home you want to live in forever, haggle on the price, don’t overpay. Pay cash for two reliable new vehicles.

Invest the rest in as many protected accounts as you can 401K for you and your wife (Max $15K each per year) Roth IRA (Max $5K each per year) College savings plans if you have kids.

Invest in total stock market index funds or small cap index funds.

It only would make sense to do the loan if the interest rate on the money in savings were greater than the rate of the loan Loan rate being about 5%, your savings should return 6% or higher. Now if you have a high income and you could deduct the interest expense from your taxes, this would be worth doing the loan, HOWEVER this does not take loan origination costs into consideration or that

The entire mortgage crisis right now is due to people looking at homes as investments and not homes. Being debt free is a great idea if you have the chance to, and if your home is paid off, you really don’t have to work as much, so your income tax bill will be greatly reduced.

http://www.producersweb.com
The January Spotlight on Retirement Planning discusses how the college savings market is expected to more than double during the next five years, but 529 plans will make up but a small portion; the fact that 401(k) sponsors plan to expand their focus to include investment structure reviews and plan design; and XA Equitable Life Insurance Companys Retirement Cornerstone variable annuity.

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Actually to understand money one has to understand the mechanics of compounding. In affect you are talking about the present and future values of money. Understanding the future value of money is critical to know in planning for your retirement. You can also use your understanding of compounding to determine what you need for a major purchase. It will tell how much you need to save and how long it will take. If there is one lesson in life you should learn it is the power of compounding……learn it, and use it you will be richly rewarded. Simply put…Compound interest is the concept of adding accumulated interest back to the principal, so that interest is earned on interest from that moment on. The act of declaring interest to be principal is called compounding (i.e., interest is compounded). A loan, for example, may have its interest compounded every month: in this case, a loan with $100 principal and 1% interest per month would have a balance of $101 at the end of the first month.

Case Study of Using state of the art technology in Financial Planning Services Arena. Trilogy Financial Services

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Depending on how financially literate you are, I would either suggest going to see a financial planner or accountant or trying to create a plan on your own.

If you create one on your own, I would recommend buying Quicken. It has a budget program in it that is very useful. It has a variety of categories for income (salary, interest, gifts, etc) and expense (gas, electricity, car loan, mortgage, education, pest control, etc.). Once you figure out how much you have left over, you can start to plan for purchases, vacations, savings, retirement, college funds, etc.)

If you don’t have money left over, it allows you to see all your expenses so that you can figure out if there’s anything you can eliminate or cut back on.

If you go the Quicken route, I would suggest downloading all your credit card data and bank account data into it so that you know that you haven’t missed any expenses. When I did our budget with it, I didn’t realize how much we were spending so my budget would have been way off if I hadn’t downloaded the data.