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5 Simple Rules for A Great Job Interview
Many years ago, when I was a young job-searching greenhorn, I ventured to New York City to take a bite out of the big apple of opportunity. When it came to finding a job in a crowded city of millions, I quickly learned that it’s much easier on...
8 Health Care Options for Recent California Grads
Whether you have just finished your bachelor degree or are about to finally complete your PhD dissertation, you are probably wondering about health insurance options. Before you take that next step in life, check out the 8 health care options for...
Freelance Work: The Changing Face Of Employment
No more working for the same company for fifty years. Freelance work is becoming more and more prominent. On-line you can find work or someone to do a job. Check out www.guru.com
The world sure is changing, and if you look at job employment...
The Perils Of Employment: Are You About To Be Let Go?
From the moment you are born and you take your first breath, you begin to die. It’s just a fact of life. And to illustrate another truth: From the day you are hired by a company, you move closer to the day you will move on. This is either a...
When Your Job Is To Find A Job
Job Hunting Tips
Are you a fresh graduate and planning to look for a job? Did
you just recently quit your job and are looking for greener
pastures? Are you unemployed and have little experience
regarding ways to secure a job? Whatever your...
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Will Social Security Be Enough For Your Future?
Will Social Security Be Enough For Your Future?
By James A. Gage
While many Americans realize that Social Security won’t provide them with enough income to get by, most people might not realize just how inadequate Social Security checks are. According to the Social Security Administration the average Social Security check today is for under $720.00 a month, which equals approximately 50% of the averages retiree’s budget. The other percentages amount to this, 23% is attributed to ongoing employment, and the final 27% represents Personal Savings /Investments.
In a study, Standard & Poors’ illustrated how Social Security benefits differ among individuals who were at various earnings levels before they quit working. Let’s look at some examples.
Let’s say that John , Mary and Skip all retire at the age of 65 in 2001. In their last full working year, John earned 20,000, Mary earned 40,000, and Skip earned 57,600. During their first retirement year, John received 8,988 from Social Security, which represents almost 45% 0f what he earned during his last year of work.
Mary, on the other hand, received 12,768 from Social Security, or 32 percent of the amount she earned in her last year before retirement. Skip collected 13,336 from Social Security, or just 23.5 percent of the amount she earned in his last year of work.
As you can see, the percentage of final year income that Social Security replaces declines for those who had higher income levels.
Another threat for many Americans is the possibility that the Social Security system will
go insolvent. The engine that drives the system is powered by working citizens, who pay
premiums into the system. These premiums are used to a great extent to pay benefits
to retires. If a situation were to develop in which more people were receiving benefits
than were working and paying premiums, the system would face a crisis.
That danger, or something approaching it, seems
possible with the huge baby boomer
Population moving toward retirement.
According to the Social Security Administration 3.4 workers currently are working and
paying into the system for each retire who is collecting benefits. But in a recent report, the
Social Security Administration predicted that by the year 2035, there will only be 1.9
people working for each retiree.
What does this all mean to you? First off, don’t count on Social Security as your
source of income for retirement. Save as much as you can during your working years.
To save, I suggest that you first maximize your investments in tax- deferred accounts.
These may include 401k’s, IRAs ,SEP and 403b’s. Finally, contribute to your investment
accounts regularly. While many people might find it difficult to make large lump-sum
contributions to their investment accounts, a savings program that includes small
systematic contributions certainly can help you build up a nest egg for retirement. Even
in tough markets, as we are experiencing now; investing is a must, the vehicle you choose
should align with your risk tolerance.
That being said, no matter where you find yourself financially you must have a formula for success. Now is the
time to take control of your financial future, you must decide are you a Employee or a Employer. You will never
have financial freedom working for someone else and history proves that over and over again. When studies are done on financially
successful people one thing comes up time and time again- they all are in involved in Real Estate!
About the Author
James A. Gage. is a best-selling author and internationally-known expert in Lease Purchase, AKA Rent To Own Real Estate Investing and Negotiating. He Mentors One-On-One throughout the U.S. and across the world. James is also director of the Gage Consulting Group, LCC , 800 Main Street, Suite 104 Holden, MA 01520 . http://www.jgage.com
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