Retirement: Now or Later?

In order to be able to retire well without having to be concerned or  worried about running out of money, you must  first figure out  exactly how much money you really need. 

“Too little money makes people desperate; too much money makes people greedy” – Aristotle

“As far as your personal goals are and what you actually want to do with your life, it should never have to do with the government. You should never depend on the government for your retirement, your financial security, for anything. If you do, you’re screwed.”–Drew Carey

“To enjoy a long, comfortable retirement, save more today.”–Suze Orman

Those in the  financial industry will tell you many things, but we must remember that they increase their profits by selling more financial products. These can include mutual funds, GIC’s, IRA, RRSP’s, bonds, stocks, IPO’s, life insurance and a range of other products. Many times you will be asked to save as much as possible for as long as possible, regardless of how much you need. But the truth is:  Only you can answer that by determining what kind of lifestyle you desire.

“I love the Roth IRA.  Tax-free income in retirement is a truly great deal.”–Suze Orman

Here’s a story which illustrates this (Retirement: Now or Later?)

A few years ago, a very rich businessman decided to take a vacation to a small tropical island in the South Pacific. He had worked hard all his life and had decided that now is the time to enjoy the fruits of his labor. He’s excited about visiting the island because he’s heard that there is incredible fishing there. He loved fishing as a young boy, but hadn’t gone in years because he had been so busy working to save for his retirement.

On the first day, he had his breakfast and headed to the beach. The time is around 9:30 am.  On the beach he spots a fisherman coming in with a large bucket filled with fish!

“How long did you fish for that catch?” he asks.

The fisherman looks at the businessman with a wide grin across his face and explains that he fishes for about three hours every day. The businessman then asks him why he returned so quickly because due to the haul the fisherman has, he’s worried that all the fish are gone.

“Don’t worry”, says the fisherman, “There’s still plenty of fish out there.”

Dumbfounded, the businessman asked the fisherman why he didn’t continue catching more fish. The fisherman patiently explains that what he caught is all he needs.

“I’ll spend the rest of the day playing with my family, talking with my friends and maybe drinking a little wine.  After that I’ll relax on the beach.

Now the rich businessman figures he needs to teach this peasant fisherman a thing or two. So he explains to him that he should stay out all day and catch more fish. Then he would be able to save up the extra money he makes and buy an even bigger boat to catch even more fish. Then he would be able to  keep reinvesting his profits in even more boats and hire many other fishermen to work for him.  Then, if he really works hard, in 20 or 30 years he’ll be a very rich man indeed.

The businessman feels pleased that he’s helped teach this simple fellow how to become rich.  However, the fisherman looks at the businessman with a puzzled look on his face and asks him what was he suppose to do after he became very rich. So the businessman responds quickly:

“You can spend time with your family, talk with your friends, and maybe drink a little wine. Or you could just relax on the beach.”

You see, this is a very simple story, but depending on the lifestyle you want – you may be closer to retirement than you think.

It’s quite easy to say that having money is not important; but from one who at one time or another having been in the position of wondering how you are going to eat as a child, I can honestly say and understand that having money is better than not.

How much money is yet another question only you can decide; but having the power to pursue your dreams comfortably is bliss.

“Financial literacy is an issue that should command our attention because many Americans are not adequately organizing finances for their education, healthcare and retirement.”–Ron Lewis

Here is a basic formula you can use to help you calculate how much you really need to retire:

Total current income (your salary) – taxes – work expenses – all debt interest (be debt free before you retire!) + New lower tax expenses (investment tax vs. earned income tax) + costs of your hobbies and desired lifestyle = How much do you need every year after taxes?

Your outcome will determine whether you are ready for Retirement now or later.

If you enjoyed this article, please “Like and Share.”

Angela Valadez

Be Sociable, Share!

• 

What is Gotflipped?

Gotflipped is a  Real Financial Solution for Everyone!

It is part of a Latin American Software Company called Ingresco Cybernetico. It is a group of people working together as a Team Build and will only be allowing 500 people to join.

It's what's known as a  A 2 X 2 Follow Me Program; as your "direct team" will always follow you through the matrix income ends by being Cyclical.   Everyone will cycle through the six Business Centers

Gotflipped has quite a bit to offer to everyone, from the experienced Marketer to Newbie Marketer.

1.  Digital Products.

2.  Autoresponder System.

3.  Hosting.

4.  Apps.

5.  I Cloud.

6.  Free Blog.

7.  Products with Substance which you get 100% Commission.

Earn Money While Learning.  (audio, video, Word, photos)

Six  Business Centers Levels:

a. Business Entrepreneurs – $50

b. Business Specialist-$100

c.  Business Manager -$300

d. Business Director -$500

e. Business Vice President – $1500

f.  Business President – $3500

Maintenance Cost of Only $25.00 monthly.

No more money out-of-pocket after initial $50.

There is so much to say about this Opportunity.  But I can truly say that this program is a true Blessing.  People are  making money and cycling, some in only a few days.

Some other benefits are Residual Income, Entrepreneur Bonuses, as well as a Fast Start and the ability to gain a Car bonus.

Six Ways to Make Make Money:

–2 x 2 System

–Digital Products

–Entrepreneur Bonuses

–Residual Uni-level Commissions

–President’s Circle Car Bonus -$500

–Fast Start

The CEO of the company stresses helping families to create a better lifestyle.  No misleading or cheating will ever be allowed into this Team Build.  Click the banner below for more information.

If you enjoyed this article, please “Like and Share.”

Angela Valadez
210 601 0267

Be Sociable, Share!

The Right Niche Can Make You Rich!

Just like being at the Right Place at the Right Time, being in the Right Niche can make you Rich!

Have you found yourself wondering why you are overwhelmed? There is plenty of material on the Internet regarding Internet marketing. If one tries to digest all of it at one time, they can and will experience a severe case of “online marketing indigestion.”

The solution to this problem is to simply narrow your focus down to one niche.  There are countless ways to make money in the world today. There is real estate, the stock market, owning your own online or offline business, as well as numerous other ways.

However, the people who truly do well in this world financially are known primarily for one thing: One Niche Focus.

Bill Gates in known for Microsoft.

Warren Buffett is known as a stock expert.

Donald Trump is known for real estate.

You can be sure that they have other things that they more than likely focus on now, but they are known as being experts in a certain field.

What do you focus on? Many things or one thing? I am willing to bet that if your answer is many, you are probably in a state of Internet marketing discombobulation. The answer to that particular problem is to find something you like doing and then become an expert at it.

In other words, find something you really enjoy doing which is also profitable financially. Killing two birds with one stone; herein lies the secret to making money on the net.

As marketers we should understand that our time is extremely valuable and the more we focus on too many different things, the more time we’ve wasted and probably accomplished nothing.  This time could be better spent focusing on one niche.

Be sure to use your time wisely and learn what your target market wants. Once you have determined what they want, if you do not already have a product created to meet their needs, either create one or resell one. 

When you find the right niche which conforms to your basic principles, it should allow  you to do what you do best, while  at the same time give you enjoyment and satisfaction in your preferred behavior mode.

When you have found the right niche for you, in time this niche could make you rich.  The reason being is this:  it can make you rich is because you enjoy doing it, therefore you will be persistent in building and marketing  and selling the product with confidence.

Timing is always important, so begin to use wisdom in your niche while implementing  your Internet business right now.  You will be greatly rewarded if you do. One niche can indeed make you rich.

If you enjoyed this article, please “Like and Share.”

P.S.  I strongly encourage you to Read, Join and Sharethis Amazing Program for Life Changing Extra Income!  Click Here Now!

Angela Valadez
210 601 0267

What is the Purpose of ‘What If?’

What is the Purpose of “What If?”  - An Alternative Solution!

“What if you could be anything, or anybody, you chose to be? Think about it. What would you choose to be?” –Nido Qubein

“A sobering thought: what if, at this very moment, I am living up to my full potential?” –Jane Wagner

What if:  The Question

This question comes at us every day. What if I said this, or,  What if I did that or what would happen if I didn’t!  It all comes down to decisions, some decisions we make will be good and other decisions may turn out to be bad decisions. That’s life.

When you take some time to look back on your life you can think of some really great decisions that you made,  some decisions that have altered the course of your life. You will also remember some really bad ones which have affected you in a negative way.

“What if we all suddenly get carried away thinking – who will be left to act?” –Andrei Platonov

We must realize that  Life is never static, it’s always changing and opportunities come and go. Doors will open and we  must decide whether to step through and seize the opportunity or not. When you are standing in front of that open door of opportunity the question arises “What if?” do I or don’t I. We must make a decision.

How do we make decisions? This depends on our background, education, life experiences and sometimes advice from others.

What if I told you that I know how you could get some free merchandise.  Would it be appealing to you? What if I told you that I knew a place where you could become a Preferred Customer and not be asked to pull out your Credit Card? Would you be interested?

I am going to open a door for you to obtain some FREE products at no cost to you.  Just sign in and look for “FREE” on the bar and get the free items which appeal to your fancy. The only cost is your time and effort. Now you must decide! Ask yourself the following question:-

“What if” I Click on this link: 

There’s also an opportunity to build a business!  Watch presentation here:

It could make all the difference.

If you enjoyed this articles, please “Like and Share.”

Angela Valadez
210 601 0267

(Original article here)

Home Business Building - Tips For Success

Home Business Building  Can Be Just The Edge You Need To Get Ahead!

If you're currently working a full-time job, but you were thinking about starting your own business, one of the easiest ways to get on the right track is to begin building a business at home. Home business building can be a very lucrative venture, especially if you have a few hours every day to devote to your business.

"There are no secrets to success. It is the result of preparation, hard work, and learning from failure." --Colin Powell

Although there is somewhat of a learning curve, once you understand what to do, like your job, your ability to generate money will become a repetitive motion. In this article, we will present a couple different ideas on how you can start your own home business today.

"The superior man understands what is right; the inferior man understands what will sell." --Confucius

Home Business Tips For Success:

The first thing you need to consider in regard to home business building is the type of business model that you want to create. If you want to market affiliate programs, essentially selling other people's products, you would have to become adept at creating websites, articles, and web design in order to generate an income from this type of business model.

You might want to consider creating your own product, something that will allow you to earn money from the efforts of others marketing your business. It is also possible to generate an income selling services like web hosting, dating sites, and a host of other online services that are available.

"The man who will use his skill and constructive imagination to see how much he can give for a dollar, instead of how little he can give for a dollar, is bound to succeed." --Henry Ford

Click Here To Finish Article: 

If you enjoyed this article, please "Like and Share."

Angela Valadez