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In Business, Image Isn't Everything; It's The Only Thing!
We have all heard this lament, but how much do we practice it. With all the relaxed rules today, do we really present ourselves in the best light. It seems all the articles I see today are about how old fashioned today's workers find their...

Intro to Investing
Investing is one of the most overlooked yet important aspects of human life. Many people put off investing or simply do not put any of their money away their entire working life and when it comes time to retire, there is nothing there for them. In...

Investing in Stocks and the Game of Monopoly
You have permission to publish this article either electronically or in print, free of charge, as long as the author bylines are included. A courtesy copy of your publication would be appreciated. Please email to ...

Money Making Ways - Smart Thinking and Investing
Common sense is the most important but least used while investing. It's not always the case that we need a huge lump-sum and have to invest it. Remember this whenever you think of money making ways. Investment is something that has to be done on...

Turning Bad Debts into Good Debts through Investing Fundamentals
If you've ever earned enough money to put some aside, like most people you've probably invested it with an eye toward security – since, perhaps, you can't imagine yourself ever getting rich. "Most people dream of becoming rich, but it isn't their...

 
Does Your Life Include a RIPE Plan?—Planning Tips for Retirement, Investing, Protection, and Estate Planning – Part 1 (Retirement)

Does Your Life Include a RIPE Plan?—Planning Tips for Retirement, Investing, Protection, and Estate Planning – Part 1 (Retirement)
by: Janet L. Hall

No matter what your age or years of work, it’s almost never too late to start planning for your retirement. As a matter of fact, the younger you are, the less chance you will have of becoming destitute, or a * bag * person. I’m not trying to be funny, it can happen to you if you don’t watch what you are doing and PLAN for the future.

Ponder for a minute on the questions below:

~~ What kind of life do you want in your * golden years *?
~~ How will you use your retirement time, meaning, what activities, interests, or travel might you want to pursue?
~~ Will you need or want to change your housing and lifestyle completely or do you hope you can * stay where you are, doing the same things you’ve always done *?
~~ If you are planning on living in a different area, what are the standards of living in that area OR what are the chances of the standard of living increasing or decreasing where you are currently living?
~~ How might your health affect your retirement?
~~ Will you need to continue to work part-time after retirement to * make ends meet *? How will that affect your benefits?
~~ Do you want to start your own business, many people do after retirement, and how will that affect your benefits?
~~ What * support * systems do you have or need to have in place?

If a company employs you, you need to FIND OUT:

~~ if they have a retirement plan (benefits), such as a pension or 401(k)
~~ what your TOTAL monthly or lump sum disbursement will be
~~ how much you can contribute
~~ length of service required to be eligible to collect benefits
~~ age required to be eligible to collect benefits
~~ if the plan will meet your needs/lifestyle after retirement

Take the time and schedule an appointment with your employer’s * benefits person * and discuss YOUR retirement plan. Ask them about YOUR Statement Of Accrued Benefits (SAB). This is YOUR personal account and will tell you the benefits you can expect based on your


salary and retirement time.

If you’re self-employed, as many of us are, you need to establish your own retirement plan. The easiest plan is an IRA at which you can only contribute $2,000 yearly. If you’re young (years away from retirement) check out a non-deductible Roth IRA. Other plans include SIMPLE, SEP-IRA, and Keogh Plan. If you want to learn more about these plans, check our Reviews section near the end of the newsletter.

Please don’t think you can live on Social Security (in the USA) alone! If you have no idea what you MIGHT have already accumulated into Social Security, FIND OUT! (Link for SSA in Reviews section)

WARNING and a TIP: Just when you thought you were covered! One thing that can zap you financially is a divorce (I hope this never happens to you) and your pension plan could be one of your largest assets to be DIVIDED up (I’ve seen this happen). SO, if you’re married, I sincerely hope you stay so happily and forever after!

Smiles, not Piles,
Janet L. Hall
Professional Organizer, Author, and Speaker
http://www.overhall.com
"If your current systems aren't working for you...
get an "OverHall"!"

The Organizing Wizard, Janet L. Hall, is a Professional
Organizer, Speaker, and Author. She is the owner of
OverHall Consulting, and Organizing By Phone. Subscribe to
her FREE organizing newsletter at
http://www.overhall.com/newsletter.htm or visit
her web site at http://www.overhall.com

Copyright (c) 2000 by OverHall Consulting
P.O. Box 263, Port Republic, MD 20676
All Rights Reserved. Permission is granted to
reproduce, copy, or distribute OverHall IT! or any articles
by Janet L. Hall so long as article(s) is kept intact, this
copyright notice, and full information about the author is
attached.


About the Author

The Organizing Wizard, Janet L. Hall, is a Professional
Organizer, Speaker, and Author. She is the owner of
OverHall Consulting, and Organizing By Phone. Subscribe to
her FREE organizing newsletter at
http://www.overhall.com/newsletter.htm or visit
her web site at http://www.overhall.com

 

Investing: Stock Quotes, Charts & Market News - MSN Money
Investing home page features investment tools like stock quotes, charts, a portfolio manager and much more. Plus market news and financial commentary from ...
moneycentral.msn.com
 
Investing : Stock Investing, Investing News
Our stock investing news is designed to help new and seasoned investors alike. See all of our investing news online at BusinessWeek.com.
www.businessweek.com
 
globeandmail.com : globeinvestor.com
GlobeInvestorGOLD Canada's most comprehensive investment tool. ... This Globe and Mail report will profile alternative investment products designed to help ...
www.globeinvestor.com
 
Fool.com: Investing, Stock Research, and Personal Finance
Investing information and an enjoyably useful site. Updated hourly.
www.fool.com
 
Investing, Stock Quotes and Research, Personal Finance and ...
Free comprehensive guide to investing and personal finance.
www.investorguide.com
 
Open Directory - Business: Investing
Business: Financial Services (17198); Business: Major Companies: Company Information (28); Recreation: Collecting (5684); Society: Issues: Fraud: Investment ...
dmoz.org
 
Better Investing - We'll show you how!
The National Association of Investors Corporation (NAIC) teaches individuals how to become successful strategic long-term investors.
www.betterinvesting.org
 
Dow Jones, Nasdaq, S&P 500, stock market data - CNNMoney.com
... Real Estate Tips Main FSB 100 Small Cap Investing - Top 50 5 Best Bosses Which States Love Small Biz? ... Investing after Pfizer's flop - 3 strategies ...
money.cnn.com
 
Investing News, Personal Finance, Stock Market, Mutual Funds ...
Reuters.com is your source for investing news, personal finance, stock market, mutual funds and investments. Reuters is the leading global provider of news, ...
today.reuters.com
 
Investment - Wikipedia, the free encyclopedia
Investment or investing [1] is a term with several closely-related meanings in ... Types of financial investments include shares or other equity investment, ...
en.wikipedia.org
 
Investing In Bonds
Information about bond investing from The Bond Market Association. Bond price information, articles, introductory guides, and links to related sites.
www.investinginbonds.com
 
Investing for Kids
Welcome to Investing For Kids. This Web site is designed by kids for kids. It examines stocks, bonds, ... It teaches the principles of saving and investing. ...
library.thinkquest.org
 
internet.com - the Internet and IT Network from Jupitermedia Corp.
The definitive internet resource.
www.internet.com
 
InvestorWords.com - Investing Glossary
The most comprehensive investing glossary on the web, with over 5000 definitions and 15000 links between related terms.
www.investorwords.com
 
Investing - Share prices | FTSE100 | Stock quotes | Stock exchange ...
Also on Investing:. December Fund of the Month: River and Mercantile UK Smaller Companies · Virtual Trader: play our £100k fantasy sharetrading game ...
money.uk.msn.com
 
JS Online: Business: Investments
Investing, Personal Finance. More investing stories from the Journal Sentinel ... Readers share investment advice, savings tips COLUMNIST HUMBERTO CRUZ ...
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Welcome to the Investing Online Resource Center!
Independent, non-commercial information on online investing.
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Investing for Your Future
Online course for beginner investors. Course and program description, registration, resources, feedback and contacts.
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investing | baltimoresun.com
Business, technology, real estate and investing news, primarily from The Baltimore Sun.
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Investing for beginners gives new investors articles on the stock market,interviews with leading financial experts, discussion boards, a free weekly ...
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