Sitting down right now and looking over all of the stuff we have for retirement. It is a pretty tangled up mess I suppose and I guess that I am going to have to figure out some way to simplify it. I think that some of it might be too aggressive as well. That is to say that I am at the point where the risks are too great on a lot of these investment instruments. That is because the finish line is in sight and I need to think more about the preservation of wealth than the creation of it. That does not mean that I need to shut down everything and just put all of the money into risk free FDIC insured bank accounts. Instead it means that I need to think about what it riskier than it needs to be. Read the rest of this entry »
When I first started looking for an accountant on the sunshine coast, I thought that I was just looking for someone to help me with my ledger. I was in over my head on that aspect of my business, and I knew I needed to get a professional in to help me. I wanted to be able to focus more of my time on what I do best, and that certainly wasn’t handling the financial aspects of my business. When I started comparing services, I realized that there was a lot more available to me than just someone to take care of my ledger.
I had thought of hiring someone to take care of it in house for me, but I could not justify paying someone to do that for forty hours a week. While there was a lot to do, there was not nearly that much work in a week’s time. I found the perfect answer when I found an accountant in my area that does so much more than just basic ledger work. I had finally found a company that could help me with all of my financial concerns too.
Like I said, I am not the best when it comes to the finances, but I am really good at everything else in my business. I knew that I was probably making mistakes, which was the reason I decided to go ahead and hire this company on to help me out. I liked that I would not be paying someone forty hours a week plus benefits. Instead, there was just one set price which I found to be very affordable. They were able to turn things around for me on quite a few things with their financial advice, and I am making a lot more money now. I wish I would have done this from the beginning.
Last week I turned 50 years old, and that got me to thinking about a number of things, including the mortality of my life. I am worried that I might leave my children bills to pay for, when I pass away, and other things like that. Those are all negative thoughts I do not want to have to deal with. I am hoping to find out some info about life insurance rates for people of my age and my health, so that I can look into getting a life insurance policy for myself in the near future.
I really worry about the possibility of dying unexpectedly. Well, I just started worrying about it, mostly as a result of turning 50 years old. I do not like feeling so old, and I hope that I can get some life insurance soon, so at the least, I know that my family, and especially my children, will have some sort of protection, or safety net, if you will, should something terrible happen to me. Read the rest of this entry »
I have started to think about what I am going to do when it is time for me to get my medicare plan sorted out for retirement. 2014 medicare advantage plans. Of course the idea is that the plan I picked would be the best financial decision for myself. I am not sure what that means or how much control I could live with giving up. My current health insurance is very good and it is ungodly expensive as well. I mean you are talking about enough money to buy a luxury car if you figure out that the cost of the health insurance is pretty much the same as you would be paying on a monthly basis to get a Lincoln Town car or something of that sort. It is not much wonder that it is really good insurance, but the truth is that I would like to have all of that money back since I have had it taken out of my check for close to twenty years and hardly ever used it at all.
Now I like to have the choice about which doctor I go to, but I am not going to be completely ideological about this. I am not going to write something down in stone and then say that I have to have it exactly the way that I want it or else. It is not that simple obviously. I am looking at what is best for me and if an HMO has a network that is good enough, then I suppose that should be acceptable. The fear would be that you would get in some situation where you needed some specific treatment that was not offered in the accepted medical providers. Obviously you would want to avoid some situation where you could die because of a poor choice in coverage.
I have some pretty bad problems with debt, and I can’t seem to get them straight on my own. I wish that I could do something in order to figure out how to get out of debt by myself, but at this point in time, that does not exactly seem very feasible. Instead, I need to look for some help to get out of debt, and a way to avoid filing bankruptcy. I would like to look ito debt counselling services, and I am hoping to find such services that are available either free of charge, or for a low price.
I have never tried to get such a service before, and as such, I do not know what I should be expecting. Read the rest of this entry »
There are many ways to get gold here in the united states, but getting one that is backed by the ira is what we all dream of. We want to know that if something happens to the gold prices, we are safe at least a little bit more than we would normally be. It is a great feeling to know that you wont lose all of your money if there is some unexplainable crash in the market. But knowing which gold backed ira is the best for you is the hard part. But there is one thing to keep in mind through all of this, the one thing that you get to choose for yourself is where you buy your gold from, you do not get to see where you get it from, but you do get to choose who is selling it to you. With that in mind you get to pick who you trust the most to sell it to you.
A lot of people have problems with this because they do not really know who they can trust and whether or not the company is telling them the truth. So, a few things that you can do to make this a little bit easier on yourself is to buy a small quantity from a company that you are planning on doing business with and then testing that little bit to see if it is the purity that they claimed it to be. A lot of the times they will lie a little bit when it comes to this, so if they sell you the real quantity the first time than you can rest easy knowing that you are most likely getting what you paid for, and that’s about all we can hope for these days. Trust me on that one.
As a responsible, tax-paying citizen, I pride myself on being financially intelligent. I am very good at saving money. I am able to control myself when I go shopping at various stories. Unlike my wife, I am not an impulse shopper. My mind is not easily fooled by the hypnotic advertisements of vendors. When she sees ads in the paper or in the stores, she loses all control. One thing that I made sure to do is have good credit. It is very important to maintain a high credit score. The use of a credit monitoring service is very common in today’s world. If you have bad credit, it could have negative effects on your life. It is important that people know their credit scores. Two of my friends found out the hard way.
My friend Tommy had problems with his credit score. When he was seventeen years old, he qualified for a credit card.
I recently finished grad school, so now I have time to focus on other parts of my life. I really need to work on planning for retirement and investing my money. In one of my classes my professor recommended that everyone take a look at investing for beginners bible. He said that this website breaks down a lot of complex ideas into simpler terms. My graduate degree was not in business or finance, so despite the fact that I have a higher degree, it doesn’t mean that I’m any more educated when it comes to investing. I could definitely use a website like this.
I checked it out, and he was absolutely right. A lot of the information that I was looking for is nicely compiled on this one site.