Posts tagged top

The Top Ten Reasons NOT To Plan For Retirement..

If you’ve ever seen David Letterman you know he’s made the Top Ten list famous. The guy’s been doing the same routine for more than 15 years and it’s still the most popular part of his show.

My list is different, and probably not what you’d expect from one of the most successful Financial Advisors and Retirement Coaches in the Houston area. These are the most common excuses I hear for NOT planning smart for retirement.

Reason #10: “I’m too busy”

I can’t tell you how often I hear this excuse. So many people want to plan for a better retirement, but they don’t have time. They think they’ll take care of it tomorrow or the day after that… and before they know it, several years have gone by. The best advice I can give you is to stop procrastinating and start planning today.

Reason #9: “It’s too soon”

I don’t know how this happened, but many people have adopted the notion that you don’t have to start plan-ning for your retirement until you’re almost there. This is totally incorrect. The truth is, the sooner you start planning, the better chance you stand of having the kind of retirement you want. It’s never too soon. Many people start planning in their early twenties!

Reason #8: “It’s too late”

If you’re already near or past your retirement eligibility date, you may think that whatever you’ve got is what you’re stuck with and it’s too late to do anything about it. Think again. If you’re unsure of what your options are, speak to a professional. Even if you’ve already retired, it’s important to consider how you’re receiving income and how long it will last. It’s never too late to revise your income distribution strategy.

Reason #7: “I don’t need to”

I’ve heard this excuse many times and it always baffles me. Many people think that because they’ve been diligent about contributing to a savings account, they’re all set. While saving for retirement is good, you also need a plan for income distribution once you enter retirement. Are you certain that what you’re saving will be enough? Have you considered your distribution plan? What about taxes? What about inflation? And are you sure your money will be properly invested? There may be other, better options for you and it may prove worthwhile to look into them.

Reason #6: “I don’t have enough money to get started”

This excuse seems marginal at first glance, but there is some truth behind it. You need to have money to save or invest money. However, unless your bills are exactly equal to or greater than your net income, you DO have enough to get started. Starting small is better than not starting at all, and if you plan well, you’ll eventu-ally have more to work with.

Reason #5: “My finances are a mess”

This all the more reason to seek out an advisor who can help you sort through and understand your assets. Perhaps you have a 401(k) or several 401(k)s from former employers that has not been rolled over, a couple of savings accounts, a trust from a deceased relative, some stocks that your parents bought in your name when you were younger … a circumstance like this can be confusing, but leaving it as it is won’t improve the situation. Consider speaking with an advisor who can look at your complete financial picture, help you to understand it, and help you to develop a plan to make your “financial mess” work for you.

Reason #4: “The Government will take care of me”

The bottom line is this … there’s a chance Social Security may not be available when you retire, and even presuming it is, it may not be enough to provide your ideal retirement income. If you’re planning to retire on Social Security alone, I would advise you to create a back-up plan at the very least.

Reason #3: “Between my savings and my 401(k), I’ll be fine”

Saving for retirement without an income distribution plan can be a mistake. How will you use that money once you have it? And while you may think you’ll have everything you’re going to need, have you considered inflation? Taxes? And furthermore, some people are living past 90. Will your assets last that long? If you outlive your income, what then? It’s a good idea to look ahead and plan lifelong income.

Reason #2: “I don’t want to think about it”

Many people procrastinate simply because the thought of discussing financial matters (or growing old) is unappealing. I can certainly understand that. But consider this … if you bite the bullet now and put a firm plan in motion, you may not have to think about it again for quite some time.

Reason #1: “I don’t know how”

If you knew everything there was to know about financial planning, you’d probably be a financial advisor yourself. While it is possible to do everything on your own, that generally involves a great deal of research and a huge ongoing time commitment. If you’re putting off retirement planning because you don’t know how, consider speaking to a professional who does.

Allen Neuenschwander is a principal of Outlook Financial Group, LLC. Allen is recognized as the Houston Retirement Coach, www.HoustonRetirementCoach.com. Allen has been helping individuals invest intelligently, plan for retirement and avoid financial crises for over 23 years. Allen is also a registered representative and securities are offered through SMH Capital, Inc. Member FINRA/SIPC.

Article Source:http://www.articlesbase.com/finance-articles/the-top-ten-reasons-not-to-plan-for-retirement-1648276.html

Top Three Options for Getting a Great Car Lease

Owning a vehicle gives anyone a sense of freedom. It is amazing to be able to jump in your car and travel anywhere. For some people having a car means the difference between being able to get to work and not. So in this respect, owning a car is an essential for many. One problem that a lot of people face is finding it tricky to get a great car lease which will enable them to own their own car.

There are three main options available to anyone who wants to secure a car lease. These are ? going directly to a car dealer, going to a bank and using the services of a finance broker. Here each option will be looked at in more detail.

Going directly to a car dealer ? this is one option that many people will turn to when they want to obtain a car lease. Whilst this can be very useful it is not an option that is open to everyone. In fact, it is only people who tend to have a spotless credit record that can secure a great deal on a car lease using this method. This is due to the fact that car dealers do not usually want to offer a lease for a car to someone who has defaults on loans or credit cards or who has been discharged bankrupt. So if you fall into one of these categories you will probably find it hard to get a lease for a car from a dealership.

Going to a bank for a lease on a car ? this is another popular way to get a car lease. However, like going directly to a car dealer this is a method that relies on having excellent credit. Banks do not like to offer car leases to people who have missed payments on other credit agreements as they are seen as a bad risk.

Using the services of a finance broker ? this option is perfect for anyone, regardless of their credit history. By going to a finance broker it is possible to get a great deal on a car lease even if your financial history isn?t as good as it could be. Finance brokers will judge each application on its own merit. Meaning that if you have had problems with credit and defaults in the past, but you are now in a more stable financial position you should be able to secure a car lease.

Finance brokers work with second tier lenders and will put you in touch with lender who can offer you a car lease. These are people who specialise in bad credit car loans and will work with you to get a car lease deal that is right for you.

As you can see out of the top three options for getting a great car lease the majority of people can secure a lease through a finance broker. Brokers can help anyone to get a car lease, even if their credit is not amazing, and this is one of the reasons they are used so often.

Quantum Finance Solutions is an online car finance broker providing car finance solutions through our range of best banks and non-banks we have accreditations with. We have a good reputation for finding the best deals in the market and providing great service. www.quantumfinancesolutions.com.au

Article Source:http://www.articlesbase.com/finance-articles/top-three-options-for-getting-a-great-car-lease-1616845.html

Top Home Refinancing Reviews!

Last few years, banks have made many breakthroughs and innovations in banking. Formerly banks can be considered as a place to save money just to be safe. Security in saving money in the bank so far tested enough. Both security from theft, fire, is also a feeling of comfort in terms of the customer.

We have lots of products produced by the bank. Both savings products and loan products. There are savings products in the form of deposits, and savings futures. Similarly, products for loans / credits. One of them is home refinancing. Home refinancing has been found and it has helped many people. Especially helpful in terms of financing to buy a house. We feel that the home refinancing. How not, when people generally can not buy a house in cash. Is not caused by large income. Moreover, commodity price increasing more every day. This is even more difficult in the purchase of a home in cash. With the home refinancing can reduce the burden in terms of financing.

Home refinancing is a form of financing provided by banks to assist in fulfilling the needs of the family. First home refinancing loans may be devoted to buying a home. But now, home refinancing become more widespread. Not only do credit to purchase a house but also be used for home remodeling costs. Also home refinancing can be used to purchase home equipment, educational expenses or for the cost of holidays. So through home refinancing funds received can be used for various purposes. This is the facilities and services provided by banks for various purposes. Because home refinancing course, the guarantee is owned homes.

Loans facility with collateral of land and buildings for all the needs that we need. It is possible to make those tempted by the bidding banks. But please be aware that this is consumer credit which, of course, the bank will provide interest rates high. From here often have problems if not careful in managing the loan fund. This can cause difficulties later on. Necessary caution in managing the loan funds received. When we borrow money for home renovation costs, use it as we add before. Do not be used for other purposes. Having decided to take home refinancing: make sure the payments do not exceed 30 percent of monthly income in get. Select a bank that has a good reputation and professionals in the field of home refinancing. This will ensure the comfort and security as a potential customer. Compare interest rates between one bank and other banks. There are 2 types of interest rates: a flat, fixed until the contract period and floating. The floating interest rates depending on the market. Choose the appropriate to us. Calculate the costs will be charged to the prospective customer (before the liquid loans have been paid) if the home refinancing is approved. Such as administrative fees, notary fees, provision and insurance costs. Compare one bank and other banks, because banks have the scale costs of different borrowers. And do not forget any facilities provided by the bank. Ask issues related to home refinancing is very clear. Both of the facilities over credit, take over, or repayment options, repayment penalty fee prior to loan maturity, and others. Please do not hesitate to ask in order to avoid the problem in the future.

To learn much more about home refinancing, and debt consolidation loan please visit Finest-Loans.com, where you will find this and much more.Article Source:http://www.articlesbase.com/finance-articles/top-home-refinancing-reviews-1605405.html

Tips on Caribbean Shopping (watch Out, Pirates!)

Veteran cruisers to the Mexican Riveria will tell you that there is more to recommend Cozumel than just electric blue waters, killer Margaritas, and great snorkeling. It may just be one of the all-time best shopping destinations in the Caribbean. So how can you steer clear of the pirates of the Caribbean (most of whom no longer wear eye patches but instead operate shops catering to tourists) and get a good deal?

Some of the best shopping in Cozumel is within easy walking distance of the port. The cruise ship docks and shoppers can pretty much walk to great shopping in a few minutes. But there are lots of shops and even sidewalk displays. How do you know what’s what?

There are really two main categories of merchandise in Cozumel. The first might be considered in the souvenir category and spans trinkets to very nice quality merchandise with a distinctive Mexican feel. The second category would be luxury products.

If your shopping list includes colorful but inexpensive jewelry, a bottle of tequila, a leather wallet, and some Mexican pottery, there are quite a few shops that will meet your needs. One of the best and easiest to navigate is Cinco Soles (Five Suns) near the port. Here you can find everything from toys to dishes to T-shirts to leather goods along with the ubiquitous tequila and bottles of vanilla (Mexican vanilla is generally of very high quality and reasonably priced). The store personnel speak English and accept credit cards.

A fun shop in Cozumel that is not really Mexican is Del Sol which sells plain-looking T-shirts, tote bags, Frisbees, even nail polish, that change color when exposed to sunlight. Del Sol stores are located at many locations (not just Cozumel) but they’re still fun and the bright sunlight of Mexico shows off the Del Sol treasures to great effect. There’s one near the cruise port.

You may also see small sidewalk displays and other offers for everything from marionettes to dangling earrings. Wending your way through the shopping district of Cozumel can be tough, since merchants will speak to you and attempt to lure you into their shops. You can simply walk on by; merchants will not actually grab you and push you into their stores. If you make eye contact, you will be at a massive disadvantage; the more you respond to them, the more likely they will be to kick up their persuasion a notch to get you into the shop. On the other hand, if you’re out shopping, it can be fun to talk to local merchants and allow them to show off their best wares for you.

There are lots of big and small displays of such goods and if you do not spend very much, it is unlikely you can go too far wrong.

The other end of the Cozumel shopping spectrum involves luxury stores. Believe it or not, there are several outlets of Diamonds International and other high-end jewelry stores in Cozumel. You’ll see them all over as you walk along the waterfront (likely in view of your cruise ship, that’s how close they are).

Specialties at these stores include high-end watches, gold, silver, diamonds, emeralds, tanzanite, Mexican fire opal, and two rare gemstones ammolite and alexandrite. (If you do not know these stones, it can be worth a visit to one of these stores to see them.)

Don’t expect these stores to offer diamond rings for a pittance. But there are reasons why savvy jewelry buyers make the trek to Cozumel to do some special shopping.

First, there is no sales tax in Cozumel. If you stay within your allowance for the amount of merchandise you can bring home without paying duty (which is $800 for a U.S. citizen), you pay only for the merchandise. In the U.S., sales tax is around 8% and it is even higher in Canada and Europe.

Second, many of these top stores have an international presence. You can get customer service once you’re back home.

Third, many cruise lines have developed relationships with some of these stores. This sometimes engenders suspicion, but the relationships are actually beneficial to cruise passengers eager to buy high-end merchandise.

If your cruise ship has a shopping expert or if there is a talk on shopping, by all means participate if you think you’ll be buying products (particularly jewelry) in Cozumel. It is true that the shopping guru onboard will steer you toward certain shops and it is likely that those shops have paid a promotional consideration to the cruise line for that publicity.

But here is why that’s good for passengers. Most cruise lines will not endorse just any store that can pay a fee. Cruises return to the same port over and over again in a season and it would not be good business to recommend shops that were difficult to deal with, charged exorbitant prices, or otherwise were bad news for the customers.

Second, some cruise lines (such as Carnival) will allow you to register your purchases at selected stores while onboard. If you take advantage of this service, the cruise line guarantees the merchandise. That means if your new watch stops once you get home or you find out your gold and tanzanite ring is not authentic, the cruise line backs the merchandise.

Finding out if your cruise line does this and what shops it recommends is a great activity for you to do on your day(s) at sea before hitting Cozumel. Registering purchases with the cruise line should be done on the next sea day because you must register what you buy while still onboard the ship.

Luxury items abound in Cozumel: jewelry, perfume, watches, and even rugs. Rugs from exotic places like Turkey, India, Pakistan and Persia can be purcased in Cozumel (great selection, no sales tax, outstanding service) and shipped to your address back home. The Rug Emporium offers an extensive display, lots of English-speaking help, and free shipping Stateside.

Last but not least, lots of people buy liquor in Cozumel. Tequila and Kahlua are the most popular but by no means the only alcoholic purchases you can make. Liquor can be purchased in Cozumel at the shops or can be bought onboard ship for around the same price (but possibly not with the same selection).

The same is true for perfume. The onboard shops likely offer some fragrance and cosmetic products, but the big perfume shop on Cozumel’s main street by the harbor has a much more extensive collection. If what you like is onboard, you can probably get about the same good deal as you can by buying it in the land shop. However, if you want to see a broader range of products or you want to buy a product that the onboard boutique does not stock, you need to try the land store.

Cigar aficionados will find that Cuban cigars are not only legal in Cozumel (and onboard once the ship is in international waters) but plentiful. If this is a big deal for you, enjoy them in Mexico and on the boat, but don’t bring them back into the U.S.

So what about those famous pirates of the Caribbean? Like any buzzing shopping mecca, Cozumel has its share of merchants who sell shoddy merchandise, counterfeit products, or things they claim to be silver and gold (which are not). If you are not expert enough to know the difference, steer clear of shady looking vendors or shops far off the beaten track. The old adage “if it looks too good to be true, it probably is” holds true for ridiculously priced diamonds or gemstones.

Most cruise lines will warn you to avoid spending big money with dubious vendors. If you want to buy a T-shirt, a kid’s necklace, or some typical souvenir items, go ahead and shop the small stores or street vendors. If you are thinking of spending hundreds or thousands on jewelry, go to a reputable and recommended store. They’re there in Cozumel!

Zip on over to http://www.TheCruise-Shopper.com for the latest in cruise ship information. TheCruise-Shopper does not sell travel so you won’t be under any pressure to buy anything (not like going to Cozumel). Mandy Karlik wrote this article. Her last Cozumel purchases: a leather wallet, Chanel Chance perfume, and a very wonderful new watch. Imagine what she could do if she had more than a couple of hours!

Live entertainment

Live Entertainment – Gold restaurant

Trendy bars along the Camps Bay strip offer cocktails and sundowners and a place to be ‘seen’ – try Caprice or Sandbar for a sundowner drink or Baraza for drinks accompanied by local DJ’s. For a straight-off-the-beach drink and some good music stop in at La Med beach bar in Clifton. Also on the Atlantic Seaboard, Wafu in Mouille Point has a fantastic wooden deck which overlooks the sea – perfect for chilling with a cocktaik and some of their speciality Asian tapas.

Long Street in the city centre offers an eclectic mix of entertainment and is within walking distance of the many backpackers lodges found in the area. For a trendy hang-out in the city, try Po Na Na Bar on Heritage Square. For a mellow and laid back evening, try Kennedy’s Cigar bar with its plush interior, cigars and bourbon. And, for an ultra-cool experience head for the Planet bar at the Mount Nelson hotel for exotic cocktails, champagne, caviar and oysters.

In trendy Strand Street, Gold Restaurant is a sophisticated restaurant and entertainment area with a traditional yet comfortable feel.

The V&A Waterfront caters for a variety of tastes including live Jazz at the Green Dolphin restaurant and a lively dinner and pub atmosphere at Quay Four and Ferrimans.

In Greenpoint, Pulse is a trendy sports bar featuring big screen sports events, good food and dancing.

The southern suburbs offer a handful of venues frequented mostly by locals including Cubana Cafe on Claremont Main Road and the Forrester’s Arms pub and De Wijnhuis wine bar in Newlands. Also in Newlands, Caveau at the Mill (sister to the original Caveau in town) is located within the historic Josephine Mill and offers a huge selection of wines. In Observatory you’ll find a collection of hippie and student type bars including Rolling Stones pool hall. In Kalk Bay there’s the waterside Brass Bell for a casual meal and drink, as well as the Morrocan inspired Polona in the harbour.

People don’t just love Cape Town for its blue sky; they’re also interested in the colours it takes on after dark. Thousands visit each year solely for the city’s nightlife. Live shows, talented performers and all-night clubs offer an array of talent and entertainment that, given the city’s size, is remarkably varied and plentiful. The city is also known as a top jazz destination, and its gay scene is the best on the continent. So after you’ve indulged in another of our matchless sunsets, head out and dip your toes into Cape Town by night. We guarantee you’ll party long enough to make sure you won’t miss the similarly beautiful sunrise that follows…

When it comes to live music and entertainment, Cape Town nightlife has plenty to offer. Molo has set up a list of the best live African music venues in Cape Town.

Nyoni’s Kraal African Restaurant and Live Music

A new restaurant in Cape Town on the African live music scene. Walk upstairs and experience the size and warm atmosphere of this venue. Visit Nyoni’s Kraal for soulful African music and good times in Cape Town. Find it on 98 Longstreet in Cape Town’s city centre.

The making of music sits firmly within the arena of the arts.  The making of money (as a priority) sits uncomfortably close.  But these estranged cousins need each other.  We all understand the realities that an artist/musician must face in order to earn a living.  But why does money (i.e. the world of business and the people who operate within that commercial ecosystem) need Art?

Stop for a moment and try and imagine a world devoid of pictures, paintings, sculptures, photo, dance, poetry, movies or – dare I say it – Music?  Pretty bleak, huh?  so from a commercial viewpoint, the question should never be “can we afford it?” Much more relevant is the question “can we afford NOT to have it?”

Mike Smith, LMG Music Guide

There’s always something very special about being at a live music event. You experience a unique sound that touches you in a way that only live music can. To listen to more live music look through the upcoming music attractions to ensure you don’t miss a thing.

Young or old, music is something that ties us all together. In Cape Town, you have the added bonus of a massive variety of cultures, musical histories and backgrounds.

Jazz fans have a few regular haunts to hang around at as they wait for the big one – the annual Cape Town Jazz Fest. Those interested in African beats and rhythms should take a trip down Long Street, popping into any place with a drumbeat and a baseline.

Visitors wanting to experience the quintessential Cape Town nightlife will want to visit some of the bars and clubs. Here local and international bands and DJs play out the night until the sun sends everyone home.

On Long Street, the Waiting Room and Fiction are the edgiest Cape Town venues with line-ups full of local and international bands and DJs. Expect sweaty live and loud rock ‘n roll, ska, indie, hip hop and electronica with various nights for various folks.

Green Point has a few sweaty-chic bump and grind clubs. The area was famous for its party hard gay clubs, thumping house music and late morning licences.

The Old Biscuit Mill in Woodstock is fast becoming another irreverent live music venue. Everyone from famous European DJs to iconic American punk bands (read NOFX) has played under the stars in the biscuit mill.

For a more chilled experience pack a picnic basket and head for Kirstenbosch Gardens. The botanical gardens are home to a Sunday summer music festival.

Families relax on a hill, eating and drinking wine as everything from folk bands to African fusion acts play music against the backdrop of TableMountain.

Another fast growing favourite is the Forest Amphitheatre on the Paul Cluver Wine Estate. An hour from Cape Town, this wine estate hosts open air concerts featuring everyone from famous international acts like Johnny Clegg to up and coming African divas.

Powered by Yahoo! Answers

Performance Optimization WordPress Plugins by W3 EDGE