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Avoiding Home Business Failures
It's been said that 80% of all small business dies within the first 3 years. And the rest are somehow struggling along with meager revenues. Only a handful is successful. Home based business has an even shorter lifespan. Every enthusiastic home...
Characteristics of High Performance Teams
Abstract: Based on significant research, Entelechy has defined characteristics of effective teams.
Entelechy reviewed over 50 studies on high performance teams and compiled a list of high performance team characteristics. We grouped...
Organizing Your Day
One of the hardest things for most individuals working from home is to stay focused. One of the best ways to stay focused is organization. In addition, being organized will help your time management skills. The two are very much intertwined.
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The Top 10 Creative Strategies to Increase Your Productivity
Time is a very precious and costly commodity that many of us take for granted. Few people will readily admit that large parts of our working day are wasted through countless interruptions, procrastination, and clutter. Maximize your life through...
What are the best Home Based Business Opportunities?
So, you have decided to work from home, but you are overwhelmed by all the home based business opportunities available. How do you choose one? Take a good look at your interests, availability, and expectations to figure out which of the many home...
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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
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Online Organizing.com |
Welcome to OnlineOrganizing.com!. Get Organized! Find the best organizing products, free tips on taming your clutter, an online newsletter, ... |
www.onlineorganizing.com |
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organizetips.com - organized, time management, planners,tips,Tips ... |
Get Organized,Organizing ideas, Tips, daily,chore lists,planners. |
www.organizetips.com |
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At Home : Organizing : Take This Stuff and Store It! : Home ... |
Our guide to the simple life, where everything has its place. |
www.hgtv.com |
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Home Organizing Tips - Bathroom, Bedroom & Garage Organizing ... |
Learn about home organizing tips for bathroom, bedroom, and garages from Home & Garden Television. |
www.hgtv.com |
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Christmas Organizing | Creating J.O.Y. for Christmas |
Offers a community of resources and support to help people get organized for Christmas throughout the entire year by creating and organizing a Christmas ... |
www.christmasorganizing.com |
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Organizing - HUD |
Organizing. [Vea la versión en español de esta página] · [Display the text version of this page] ... Organizing · Economic development. Working with HUD ... |
www.hud.gov |
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Get Organized - Organizing Tips and Ideas to help you get ... |
Free tips, ideas and articles to help you get organized. |
www.getorganizednow.com |
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Management Function of Organizing: Overview of Methods |
Organizing can be viewed as the activities to collect and configure resources in ... The following are some of the major types of organizing required in a ... |
www.managementhelp.org |
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Organizing - Wikipedia, the free encyclopedia |
In that sense, organizing can also be defined as the act to place different ... Organizing, in companies point of view, is the management function that ... |
en.wikipedia.org |
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Amazon.com: Organizing from the Inside Out: Books: Julie Morgenstern |
Amazon.com: Organizing from the Inside Out: Books: Julie Morgenstern by Julie Morgenstern. |
www.amazon.com |
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Organized-Living.com - Get organized, Professional Organizer tips ... |
Articles and tips to help individuals organize their home or work life better. |
www.organized-living.com |
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How to organize your home and office, organizing tips, articles on ... |
LifeOrganizers.com is a rich resource of office and home organizing articles, tips, and fresh, easy ideas on how to get rid of clutter from every part of ... |
www.lifeorganizers.com |
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The Virginia Organizing Project |
VOP, racism, social justice, community organizing, leadership development, living wage, grassroots organizing, sexual orientation . |
www.virginia-organizing.org |
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Center for Third World Organizing |
A training and resource center dedicated to building a social justice movement led by people of color. |
www.ctwo.org |
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Welfare Rights Organizing Coalition |
WROC of Olympia, Washington, organizes groups of women and men who are current or former TANF recipients to watch how welfare and family policy is ... |
www.wroc.org |
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Self-Organizing Systems FAQ for Usenet newsgroup comp.theory.self ... |
Frequently Asked Questions about self-organized systems. |
www.calresco.org |
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Beyond Bookmarks: Schemes for Organizing the Web |
Beyond Bookmarks: Schemes for Organizing the Web is a clearinghouse of World Wide Web sites that have applied or adopted standard classification schemes or ... |
www.public.iastate.edu |
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Organizing Institute |
Program by the AFL-CIO to train union organizers and put them in the field. |
www.aflcio.org |
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SouthWest Organizing Project |
A statewide multi-racial, multi-issue, community based membership organization. Includes information on history, campaigns, and volunteer opportunities. |
www.swop.net |
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Farm Labor Organizing Committee |
The historic contract in North Carolina opens up a new chapter in the FLOC struggle for justice and ushers in a new era in farmworker organizing. ... |
www.floc.com |
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