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Cash Generation Tips
Is a Home Business Right For You? Copyright © 2003, Stone Evans, The Home Biz Guy http://www.pluginprofitsite.com/main-3149 Every morning as people wake up and make the commute to work, many dream of the day when they will finally work for...
Let Your People Shine
PERMISSION TO REPUBLISH: This article may be republished in newsletters and on web sites provided attribution is provided to the author, and it appears with the included copyright, resource box and live web site link. Email notice of intent to...
Making Your Purpose Your Business, Step#2
Step#2 Getting From Point A to Point B
In my previous article, Step 1, we discussed the many responsibilities we have as mothers, wives, and business women. Your challenge for the month was to research where your passion lies. Based on your...
Success Tips for Small Business Owners
Running a small business requires many skills. However, to do this successfully you need to organize yourself first. Avoid procrastination - read the following and take action.
Successful Small Business Owners Look After Themselves First
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Thoughtleading: The Art of Separating Yourself from the Pack
Lately the age-old business dilemma of how to stand out from the crowd has been haunting companies and professional service firms more than ever before. All too many firms nowadays look too much alike, with marketing strategies seemingly unable...
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Internet Marketing and Your Old Age
Everybody wants to learn how to make money on the Internet. What about saving money for retirement and your future? If you don't do it, who will? Alan Greenspan, Chairman of the Federal Reserve Bank, recently confronted the U.S. Congress about the cost of future retirement benefits.
You may recall the 1999 Tom Hanks film, "The Green Mile". This film adaptation of Stephen King's novel provides just a couple of comparisons to current economics and Alan Greenspan. Greenspan's comments before Congress sometimes equal the length of "The Green Mile" (3 hours), but his testimony won't evoke tears unless you're a baby boomer, soon to be a Social Security beneficiary.
In "The Green Mile", Hanks plays a prison guard charged with the care of death row inmates. He treats each "death row" convict with care and Southern civility. In order to avoid stretching parallels to the movie, I will observe only that Mr. Greenspan, born in New York City (March 6, 1926; send him a card) is civil when Congressional Committees question his opinions.
"The Green Mile" ends at the hot seat for convicts. Alan Greenspan's February 25, 2004 testimony leads to an economic, political, and social hot seat: Social Security benefits. I suggest you read the full text of his testimony found at: http://www.federalreserve.gov/boarddocs/testimony/2004/20040225/
Now to "The Green Span" hot seat comments about Social Security:
- We sing Happy 62nd Birthday to the first baby boomers in 2008
- 50% of them may retire at age 62
- Everyone's gong to live longer
- Social Security costs will escalate
- Funds to pay may not meet the demand
What does this mean to you? Well, it's motivation to make that site sell while saving toward retirement. Further, every site generating cash flow, may do so for years and years, if managed wisely. This means qualifying for retirement does not
force you to retire. Cash flows can continue for your life time.
However, saving for retirement still makes sense. It saves you taxes now and later. Furthermore, an aging population living longer means Social Security benefits may be reduced when you become eligible. So, start saving now by starting any one of the following methods.
- Individual Retirement Account: You may contribute up to $3,000 in 2004, $4,000 in 2005-2007, and $5,000 in 2008 and beyond. When you reach age 50, "catch-up" provisions allow you to contribute an additional $500 in 2004-2005 and $1000 in 2006 and beyond. This means your IRA contribution in 2006 may be up to $6,000.
- If your Internet web site incorporated, you may have an employer sponsored plan. The Savings Incentive Match Plan for Employees (SIMPLE plan) "SIMPLE plan contribution for 2004 amounts to $9,000. This increases incrementally to an "adjusted" $10,000 in 2006.
- A SAR/SEP and 401(k) let you contribute up to $13,000 for 2004 (the maximum in 2006 is up to $15,000) Employer sponsored plans also allow "catch up" provisions for workers over age 50. For example, an employee over age 50 may contribute a "catch up" contribution of $3,000 for 2004 (the maximum "catch up" contribution is $5,000 in 2006).
IRA accounts and employer accounts may be opened at banks and brokerage firms. Check with your tax adviser and financial consultant first.
Social Security provides for basic needs during retirement. Make sure your resources permit the lifestyle you want by saving for your retirement now.
Ray Randall is a registered investment advisor with Ethos Advisory Services, Essex, Massachusetts http://www.ethosadvisory.com. He writes a weekly newsletter for Ethos Advisory Services, and is the webmaster for Echievements . You may write to him or call (877-895-3756).
rayrandall@ethosadvisory.com
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