Wealth Creation for Baby Boomers - Take Advantage of Hidden Riches

By Kenneth Little

Wealth creation belongs to you as a baby boomer. You served your time in the workplace or you’ve had enough business failures to write a bestseller on the subject

As a baby boomer who shuns the traditional gravitating to the grave model of existence you need to be clear on the nature of your “refirement”.

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Reduce Debt By Saving Money on Electricity

By Kathy Burns-Millyard

One of the best ways to reduce existing debts, is to pay extra on those debts each and every month. Most Americans with large amounts of debt however, believe they don’t have a dime to spare for paying extra. It may be easier than you think though. There are a myriad of ways to save money every day, but this article will concentrate on how to save money with one of your most expensive household utilities: Electricity.

Tips on Reducing Your Electric Bill:

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Want to be Rich? Then Educate Yourself. Why? Here’s why

By Damian Miles

If you want to be a Doctor, learn medicine. If you want to be a footballer, kick a football around. If you want to be a bus driver, learn how to drive a bus!

If you want to be rich, what do you do?

A lot of people when asked the above, will work harder at their job, or take a second job, or start a business.

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Yes, You Can Get Ahead

By Justin Ertelt

“Whatever you can conceive and believe, you can achieve.” Wrote Napoleon Hill decades ago in Think and Grow Rich. It summates how people achieve their dreams and how it is possible for you to save your way to success.

Irregardless if you’re a Democrat and you think the Republicans are destroying this country, or you’re a Republican and you think the Democrats are destroying this country. Irregardless of the high oil and gas prices or the increasing amounts of natural disasters, or the political storm and wars in the Middle East. Irregardless of the higher gas prices you pay at the pump just to drive to work, or the mounting bills, or “everything seems to cost more”, or you didn’t get the raising you were expecting. Irregardless, you can still get ahead.

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Will Women Face Financial Hardship in Retirement?

By Debra Lohrere

The looming hardship that will be faced by many of the baby boomers once they retire could well affect women a lot harder than men. The likelihood of the government being able to afford any sort of reasonable amount of pension is very slim, simply because of the magnitude of the number of people who will be retirees, compared to the working population. The Australian government has realised this, and that is why they introduced the compulsory employer paid superannuation scheme and are even now beginning to give financial incentives to Self-funded retirees. They are also now encouraging people to work well beyond the 65 year barrier.

Most people have never sat down and even considered the ramifications of why the compulsory super was introduced and for many of us it is a matter of too little too late. Even for the young women in our society – who have a full working life ahead of them, they still cannot rest assured of a comfortable retirement.

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Retirement Planning - It’s Never too Late

By Michael Harrison

Retirement Planning - you’re never too old.

With retirement pensions reduced, ageism being outlawed, skills shortages, will there be a renaissance for the older worker? There are loads of opportunities for retirement jobs.

Crafts men, plumbers, carpenters, builders, interim managers, consultants, coaches, mentors, there is an ever growing list of opportunities. More and more people are starting to see that retirement is not a must. They are setting self employed employment plans and ‘going for it’. Great!

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Retirement Then vs. Retirement Now

By Rick Ramos

Most of us dream of a retirement of travel, relaxation and nothing but free-time. But, if you’re in that majority are you in the minority of those actually saving for your golden years? Only about 30% of Americans are actively saving for life after 65 and only about 25% are confident of their ability to afford it. The scariest statistic of all? Almost half of the workforce have no retirement plan in place at all.

Some of the statements I have heard in my meetings with clients about their retirement: our budget is too tight, we are going to start next year, I am not worried about it right now. The list goes on and on but the thing I find when I probe a little deeper is fairly simple: People are afraid. They are afraid of what they are not doing, they are afraid of the costs but mostly they are afraid of the unknown. Americans simply don’t know how they are going to retire.

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Beware “Courtesy” Overdraft Protection

By John Wagner

In the past few years, many banks and credit unions have implemented a program called “Courtesy Overdraft Protection”. While that name sounds nice, it is simply another name for “High Priced Overdraft Loan”. Banks and some Credit Unions like this product because it enables them to get a significant boost in fee income while providing a so-called “service” to their customers.

Courtesy Overdraft Protection works like this. Banks or Credit Unions place their customers on the Courtesy Overdraft program, sometimes without their knowledge. If the customer writes a check that they don’t have funds to cover, the bank or credit union will cover the check temporarily. The bank or credit union will still assess a fee for insufficient funds to the customer but the check has been paid. The next deposit made by the customer will help to cover the short term loan.

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Streams Of Income: The Day Of Doing One Job Well Is Over

By Suzette Hinton

The day of being a one-trick pony is over. I think that has been the point of this season in my life. I was raised to get good grades, go to college and get a good-paying job. And for 40 something years, I’ve remained in that mindset–putting all my energies into one thing.

Newly separated, I started looking around for what I owned or what skills I had that could stabilize me financially. One, I knew I could use my musical talents. So I put the word out that I was looking to play keyboard for a church. Before long, I entered a subcontractor relationship with a local church ministry. Two, I knew that I was good at typing, desktop publishing, and bookkeeping. Before long, I was producing monthly newsletters. It caught on and others started utilizing my services. In one month, I brought in $3000.

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Kathy Griffin’s Take on Financial Planning

By Nicole Anderson

Kathy Griffin has some wise insight on finances and money management. If you listen to her advice you may find yourself in a much better financial situation and if you don’t listen to her advice she my make fun of you on her show someday!

During an episode of My Life on The-D List, Kathy Griffin’s reality show, she made wise cracks about actors and actress and their finances. Kathy’s comment was that she hates it when she hears actors and actresses say, “I don’t do the ‘business thing’. I am an actor.” Kathy’s sarcastic, yet true, remark about why this bothers her is that “business thing” is PART OF YOUR JOB. You need to learn the business end of things. You, as an actor or actress, are your own business and have to run your professional life and personal finances as a business.

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