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High Yield Retirement Investments And Your Options

Those who have been working for a long time must have noticed that many companies have improved on their employee retirement plans. Some would even say that employers have become more generous towards employee retirement plans.

But the situation is not the same throughout the companies. There are a lot of employees who are still suffering from rotten retirement plans that do not have potential to earn as much as possible if invested otherwise.

Take a closer look and you will find a lot of 401(k) plans where the companies are sticking to mutual funds that are low in performance. And to add to the employee misery, they often require higher amount of fees.

However, your situation is as worst as the above; it does not mean that you cannot do anything to change it. If you have enough ideas on different retirement investment plans, you can improve a lot on the situation. However, if you are not sure enough about it, you can always find a retirement advisor to offer you a customized solution for high yield investments.

However, before you go on to the next paragraph, let’s take a look at a general situation:

How much does your company contribute towards your 401(k) plan? Normally it is 50% of your own contribution. However, in many cases, company offers up to 100% of an employee’s contribution towards 401(K) plan. Just to point out, the amount that the company contributes towards a 401(k) plan is around 4 to 6% of your pay (but in most of the cases companies do not match more than 3% of your pay).

And ask yourself a question. Are you really taking the initiative to know how your funds are performing? You can always ask your plan administrator to get a complete picture on how your funds are performing. Otherwise, there are a lot of agencies in the market that can offer you a regular update.

So what options do you have to improve your situation?

Find out if your plan offers you the option of an index fund. Research shows that more than 90% of the companies offer this option in their 401 (k) plan. These funds are cheaper and offer moderate value for money. At the same time market trend shows that these funds are great at long term performance. Just take the initiative to talk to the plan administrator and invest some amount at these index funds.

You can also look forward to invest in a lifestyle fund. This option would allow you to maintain the fund in such a way that the risk factors would be reduced and your fund would become more conservative as you approach retirement date. This is a good option if you need to solely depend on your retirement savings to live the after retirement life.

However before investing in a fund for longer period, you must do critical studies on its historical performance. There are some funds that just cropped up from no where and shows great potentials – history says they often crack down faster than steady movers. And it all depends on how much risk you can afford to take.

Break the funds and invest some of the amount at self directed IRA. This is the best way to keep your retirement savings work for you to earn more. A lot of people invest in real estate market or even start up a company with their self directed IRAs for security and growth.

The only way to get the most out of any retirement solution is to take the best step forward on time. And you can take the best step when you have enough knowledge about it. So go ahead and know your options.

Green Millionaires Home-Business Money-Making Strategies

There are many ways becoming a millionaire is possible through YOUR home-business and a new money-earning strategy-plan.

Is it time to change your income earning strategy? Why have 90% of humans beings not made it financially yet they follow the same money making strategy?

Lets be honest, money affects every area of our lives! EVERY person on this planet WANTS to Save Money… so what became of your financial dreams and plans? What holds us all back from being financially educated and achieving financial freedom?

Maybe you are you brilliant but broke? Or maybe you just follow the masses…By conforming with the masses somewhere somehow we’ve lost our ability to think about this subject of earning money clearly and accurately.

Don’t let old paradigms and thinking stop you from moving forward. Step away from the masses. Utilize your God-given potential…The secrets of the wealthy are that they start building multiple sources of income, leveraging their time through the work of others. This traces way back to early times.

In today’s information age, there are many excellent choices for a home-based business offering multiple streams of building income and leveraging your time.

My advice is that if you don’t have a home business…go out and find one NOW.

Let’s look together at the reasons why you may want to invest in a new money earning strategy now; an early retirement, your children’s college fund, home ownership, dealing with a sick family member or just a better lifestyle for your family…the list can go on and on, can’t it?

The good news is that you can start a home-business in your spare time. Find a company with products and services you can get excited or passionate about. There is usually a small start up cost for a turn key system that is already in place for you to begin with.

People don’t really know how simple it is to become a millionaire in their life time. But if thinking big makes you uncomfortable, how would earning just an extra $500/month through the Direct Selling Industry improve your financial picture feel?

Now pay yourself every month into a savings account. The compound interest will add up. If you can pay yourself one hour worth of wages or $500/month from your home business in 10 years you will have saved $250,000, 20 years – $397,000 and in 25 years $660,000.

Did you know that, through careful record keeping in a diary, you can be receive tax benefits that far surpass what the average wage earner can compare with?

Income tax advantages for home-business owners guarantees you savings. The government puts in huge tax advantages because YOU are providing much needed employment in our economy.

There are many tax incentives for entrepreneurs to create employment. If you are pursuing profits through a home business, even without making any money, if you are earning say $40,000 at your wage job you are entitled to deduct up to $10,000 for home-business expenses.

That means you can put $1500 of that to business trips, $400.00 to business supplies for your office space at home and up to $4000.00 in wages for up to 2 children over the age of 7 living with you in your home.

Once you have started your home business, set up a self employment retirement account. You can earn approximately $40,000 tax free dollars for retirement being self employed.

People invest from $50,000 up to $1,000,000 or more for a franchise like Subway, McDonalds or Tim Hortons. If you do your due diligence and start your own home business in the direct selling industry, there may be no reason investment-wise to wait to get started.

Most MLM’s have a back office set up for you and offer free professional training which is not limited to any age or gender, demographics or previous experience, with a small start up cost of under $500.00.

Throw your inability to look at this industry clearly and objectively away. Yes, err on the side of caution and research your options. But following the masses and carrying on not earning the money you deserve is just a shame. Being brilliant and broke is no joke either.

My advice is to reclaim you freedom today. Challenge yourself. Learn more about successfully starting a home business in your spare time. Challenge yourself to step forward and turn some hard earned profits through a home-business into YOUR legacy.

Creative Financing For Investment Properties

There are many directions to look in when it comes time to finance the investment for the property you want to purchase. After you have spent time researching what type of investment property is going to meet your needs the best, you may need to come up with some creative alternatives to make the purchase happen.

One of the most well known is “zero down” properties. When looking for these types of investments, it will be important to investigate just where the money is coming from. The most logical and reliable agreements will come from those who want to develop the property. A good zero down property will have a couple of common factors. The developer will cover the closing costs first of all, and within a two year span will be the taxes on the property, and the fees incurred with managing the property itself.

Another creative way to find financing is to include a partner into your investment plans. Believe it or not, there are those in the world who have the money, but are not sure just what to invest it in. That is where you come in with a solid real estate investment plan. Whether the partner is silent, or if they want to play a more vocal role in the partnership, do make sure that all of the financing is done by contract. Bringing in a legal professional will make sure that all parties get what they want out of the partnership to get the most out of investing with real estate.

More and more lenders are willing to help out real estate investors who are looking to purchase houses, refurbish them, and put them back out on the market. One creative way to check out which institutions to look at would be to find a clump of homes which are financed by the lenders, and pick a home or two right around the area in need of some refurbishment. The lenders will be happy to work with someone who is going to bring up the area’s property value as a whole.

No matter which way you plan to go, the basic premise of creative financing will include not using your own money. Seek other routes when looking to begin your real estate property investments.