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10 Tips for Avoiding ID Theft and Credit Fraud
10 Tips for AVOIDING ID THEFT AND CREDIT FRAUD Article excerpted from the new book, “How to Do Space Age Work with a Stone Age Brain” TM copyright 2004, all rights reserved, by Eve Abbott, the Organizer Extraordinaire Each year billions of dollars...
6 Steps to Avoid Losing Summer Sales
6 Steps to Avoid Losing Summer Sales
It's a fact - the online world dies down in the summer time. Kids are out of school, families are on vacation, there's fairs to attend to, and many are just spending too much time outside to be online. For...
Aggressively Written Resumes
When writing resumes, it is important to remember whom it is you're trying to please - (is it you, or the hiring authority?) In this article I will present my ideas of what makes up really aggressive documents, based on my many years in the...
Home Business Opportunities - How to work from home and still make a difference
In all the jobs I had before I began working from home, I was not contributing in any great, or lasting, way to the world. I was simply doing my job, performing tasks, in an effort to make someone else more money. Since I was not in a sales...
The Challenges of Human Resource Management
Introduction
The role of the Human Resource Manager is evolving with the change in competitive market environment and the realization that Human Resource Management must play a more strategic role in the success of an organization....
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Retirement Planners Explained
Retirement Planner: Planning at its Best
Planning is such an important factor in every decision a person
makes. Planning is crucial to the success of every activity
because disorganized facts and information will result in chaos,
mismanagement, and misunderstanding.
And, just like any financial decision, planning for retirement
is such an important issue that one should never neglect or take
for granted.
To make things easier, there are numerous aids specifically made
for people who wish to plan their retirement as if it is the
most important thing in their world, which it is. One of the
best tools available in the market today is the retirement
planner.
Basically, a retirement planner is a simple technical device
created to help people calculate how precisely their retirement
program is organizing for their retirement.
In most cases, a retirement planner will work out how much an
individual will need on his or her retirement. As a rule of
thumb, an individual must generate an income that is equal to
75% of their "pre-retirement" remuneration.
In order to determine if the current program and the present
wage will match the said condition, through meticulous analysis
of the program, the retirement planner will be able to predict
the chances of the person to achieve his or her goal.
If by chance that the retirement planner was able to decipher
that there are some disproportion or discrepancies with the
program or if the available amount will not suffice the person's
retirement benefits,
the retirement planner will make some
suggestions in order to improve the program.
However, there are some factors that need to be considered when
using a retirement planner. These factors will affect the result
of the calculations.
Here are some of them:
1. Age
The retirement planner will ask the concerned person's current
age and the age when the person wishes to retire already.
2. The Gross Annual Income
This refers to the total amount of the concerned person with the
spouse's income if he or she is married.
3. The number of years of the retirement income
This refers to the complete number of years that the person is
expecting to use his or her retirement money.
These are just a few of the factors that will greatly affect the
results of the expected retirement amount. Hence, with the use
of the retirement planner, any deficiencies that will arise
based from the current amount being saved will be resolved.
Indeed, there is no better way to foresee one's retirement
future than what the retirement planner can do.
About the author:
Jay is the web owner of http://www.retirement-in.com Retirement Calculator, a
website that provides information and resources about
retirement, planning, systems and more. Also visit his website
at: http://www.personalinjuryattorneysatlaw.com Accident
Attorneys for information on finding an attorney.
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