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    Free Essay
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    Reducing your telephone costs

     

    Know what costs to reduce – Reducing costs is sometimes just a percentage game with a focus on the areas of main expenditure. A 25% saving on an Ј60,000 telecoms bill is more important than working towards a 50% reduction on a Ј4,500 spend on vending machines. Length of Contracts – Signing a contract for 1-3 years is good for the telecoms company as reductions don’t have to be passed on and customers cannot benefit from moving to a lower cost provider. Also, if there is a 3-month notice period, who at your organisation will send out the letter to the telecoms company? Know what you can achieve – People are busy. Who will be responsible for reducing costs? It may be more efficient to hire an expert who works to a tight deadline and is motivated to deliver real results. On-going monitoring – Measure the future savings as initially, any new supplier knows that they must perform. The key is to check that after the ‘honeymoon period’ prices do not creep up whilst service levels fall Did you know that telephone costs can often be cut by as much as 40% - this is even where another telecoms company is being used. Calls to Mobile – Another major area with approx 62 million mobiles currently in use in the UK. These cannot be avoided and often account for over 50% of the monthly call spend. However, rates are falling - in October 2004 there was an OFCOM imposed tariff reduction and there will be more in the futurepetition is also causing telecoms providers to cut their margins. Minimum Call Charges and Rounding - Take an example where the headline rate for a local call is 1.5p per minute. Now with a 1p minimum call charge a 20 second call will cost 1p or double the advertised rate. If calls are rounded up to the nearest minute the cost will be 300% more than expected. In addition, 30% of business calls are below 30 seconds and nearly all business calls are under 2 minutes. What impact are these two areas going to have on your telephone bill? Capped Calls – Another minefield. With most business calls of less than 2 minutes duration, these calls would be considerably more expensive on a capped call tariff. Some major providers have a 7p call set-up charge for calls to mobiles plus a per minute rate of 10p. So therefore a 1 minute call on this capped call tariff would cost 17p or a 30 second call would cost 12p, considerably more than they would cost on a standard per minute tariff. 90% of businesses on capped calls tariffs are paying much more than they should be paying. Line Rental – This can now be easily reduced by between 10% - 25% Calls to expensive 0870 numbers – Sometimes inevitable but there are numerous ways with which you can reduce this unnecessary expense. 1. Ask the company for their ordinary local number in case you need to call them from abroad. 2. Look at your phone when they call you. If you have caller display, their real number might show up. 3. Look up their number in BT’s online directory enquiries or on their web site or on 192. Their real number might just be listed. 4. Go to saynoto0870.com An excellent site listing many company’s alternative numbers.

         
    Reform aimed at personal finance and uk savings

     

    The Pensions Policy Institute (PPI) has issued a report which supports the Pension Commission's recent demand for reform in the structure of the basic state pension. In fact the report goes further than simply backing the report, it calls for reforms to be implemented more rapidly than the Commission has recommended. Essentially, the reforms that are proposed are for simplifications to be made to the current variations in available state pensions for those who are eligible. Means testing, currently used in determining eligibility and the extent of the pension available, would be dropped in favour of an across the board pension rate. Additionally, tax breaks for those who try to save for a personal pension would be put in place to encourage saving. These reforms would serve to make pension availability, and budgeting for retirement, much clearer to understand and buy into, thereby preventing nasty surprises for the individual late in life, or the government as a generation becomes dependant on a state pension. A recent survey by the Financial Services Authority (FSA) concluded that very little provision is being made for the future by those aged 18-40 and that a very large number of UK citizens could well become dependant on state pensions. Personal finance has become a boom sector amongst that same generation, with online access to personal finance databases such as Moneynet ( moneynet. co. uk ) and Motley Fool ( fool. co. uk ) providing a wealth of options for UK consumers. However despite the fact that many of those options include savings and pension schemes, it appears that they are rarely taken up, with consumers opting for credit card deals, mortgages, insurance, and personal loans instead. Pension experts have showed their backing for the proposed Pension Commission reforms with their overwhelming response in the PPI report, and it is to be hoped that the simplifying of the state pension will bring the importance of the issue to the attention of the age range identified by the FSA. Disclaimer All information contained in this article is for general information purpose only and should not be construed as advice under the financial Services act 1986. You are strongly advised to take appropriate professional and legal advice before entering into any binding contracts.

         
    Residual income can be your key to wealth

     

    Are you standing at the door to wealth but can't seem to find the right key? There are many keys on the key ring that can unlock the door to wealth, but you have to know which ones they are and how to use them correctly. In this article I'll focus on the "residual income" key that many have discovered can be used to enter the inner sanctums of the wealthy. But before I go too far, I should probably define what I mean by "residual income," (also called passive or recurring income). While there are perhaps a number of definitions for "residual income," I will be using the term here as follows: "Residual income is income that continues to be earned after the initial effort has come to an end." In other words, it can be thought of as the process of making a sale one time but getting paid over and over again. How can this be? That is, how can you make one sale and get paid over and over again? Well, let's take a look at some common examples of residual income. An insurance policy. When you buy an insurance policy, you normally pay premiums monthly, quarterly or annually. You made one purchase, but you continue to pay as long as you maintain you policy. The insurance company earns a residual income from you. A service subscription such as a pest control, lawn maintenance, or web hosting contract. When you purchase a pest control, lawn maintenance, or web hosting service you normally again pay a monthly, quarterly, or annual fee. As long as you continue your service, you continue to pay the fee. The service company earns a residual income from you. A membership subscription such as to a membership Website or a club. To continue your membership, you much continue to pay membership fees. The membership entity earns a residual income from you. In all of the above examples, the sale was made only one time, but you continue to pay the company over and over again. Residual income is distinguished from "linear income," where a single payment for a single one time purchase is made. For example, if you have an hourly job, you are exchanging one hour of your labor time for an hourly pay rate. You must work each hour to get paid. If you stop working, you stop getting paid. Your income is linear. However, if you sell memberships to a Website and your members pay a monthly fee to belong, then you continue to collect their monthly fees as long as they continue to remain a member. You made the sale one time but continue to collect an income long after the initial sales effort was completed. This is an example of "residual income." Which would you rather have, a residual income or a linear income? Generally, whenever possible, you should try to earn a residual income that will continue to grow over time as you make individual sales. If you put in a consistent effort toward earning a residual income, you will find that your income will compound itself as the amount of residual income continues to grow. For example, let's take a look at the difference between selling a $29. ebook and a membership to a Website with a $29 monthly fee. We'll assume that both sellers began their sales effort on 1 January and continued the effort for six months. With the sale of each ebook, the seller earns $29 but then has to make another sale to earn another $29. Hopefully, the seller has some backend or follow on products to sell to each customer in the future, but many do not. So each sale stands alone. Let's also assume that the cost to make each sale (including Web hosting fees, merchant card fees, advertising, etc) come to $4 per sale. Our merchant thus earns $25 net per sale. We'll assume that 10 sales are made per month so over the six month period he made 60 sales. So for 60 sales, he has earned $1,500. Now, let's take a look at how the membership site might do. Each membership sells for $29 per month and the cost to make each sale is the same $4 per sale so the site owner earns the same $25 net per initial sale. However, he continues to earn the $29 each and every month that the buyer remains as a member and there is no sales cost for the subsequent months. We'll also assume that our membership site makes 10 sales per month and that each buyer remains a member for 4 months on average before dropping their membership. Now lets take a look at the numbers. Month 1 = 10 sales for $250 Month 2 = 10 sales for $250 plus $290 residual income Month 3 = 10 sales for $250 plus $580 residual income Month 4 = 10 sales for $250 plus $870 residual income Month 5 = 10 sales for $250 plus $870 residual income Month 6 = 10 sales for $250 plus $870 residual income The total income for the six months comes to $4,980 plus there is still a continuing income that will come in from sales that were made during months 4, 5 and 6. Which would you rather have, the $1,500 made as linear income or the $4,980 plus earned through sales with a residual income tail? The sales effort was the same. As you can see from the above example, residual income can quickly surpass linear income if your sales effort remains constant. So, keep on the lookout for good residual income opportunities, they can be your key to opening the door to increased wealth.

         
    Retire to asia and why

     

    In reading this article you may realize that the best part of your life could be in Asia, and the best time is now. The theme of most retirement articles is the best place to retire in the USA. However, according to the AARP about 80 percent of Americans do not plan to move when they retire. Work a lifetime, and with the door open to have a fresh start in retirement, one just stays in the same town, the same house, the same routine. There must be a better quality of life in retirement, and there is! Nowadays, more retirees are not only moving from their house to another city or state, but are moving out of the United States. Over recent years I have had an increasing number of friends write to me about my life in Asia. The motives behind the questions have varied from political discontentment to financial. Many of the concerns are related to the high cost of living, including heating and A/C bills, taxes, grocery bills, the cost of gasoline, medical bills, dental bills, home repair bills, and list goes on. There is no doubt about it, the cost of living in the USA goes higher each day. Many of those who write to me are not really enjoying their Golden Years but are just getting by. If you are in the stage of retirement planning or are now retired that should concern you, as each day is precious and we should be enjoying life to its fullest. The best is yet to come. Travel with me down a different road of thought. I have lived in retirement for the past 7 years in Asia, in the beach resort city of Pattaya, Thailand. Being a tourist destination, you immediately picture an area with a beautiful bay view, fine restaurants, and entertainment galore. It is more than just that. It is so easy to get around the city using public transportation that my car sits in the driveway. We have modern shopping centers, movie complexes, health spa's, fitness centers, golf courses, and even an IT center with 5 floors of computers, mobile phones, and electronics. Pattaya has not one, but two International Standard hospitals. Health care is affordable. Being a tourist city, the Thai staff in most stores and restaurants speak English, German, Russian, and other languages. Language is not a problem, but learning a little basic Thai is both fun and useful. A Hollywood movie with English sound track, shown in a high tech theater costs around $2.50. The air-conditioned city bus is 50 cents, private buses around 25 cents. A Thai food-bar meal runs around 75 cents. We have clubs that meet weekly where the foreign community can get together. They have Open Forums where newcomers to the community can ask questions. The glimpse just given is representative of life for foreigners in most Asian countries. A stress free, quality lifestyle on your retirement pension. Why Asia? Because Asia is the most exciting, the most user friendly continent on earth. Luxury living for pennies - not just "getting by" on your retirement pension. The United States and Europe are becoming almost impossibly expensive to live and retire in. Learn more about the Asian countries, which ones to consider for retirement, and why. If funds permit, plan a holiday visit to some of the countries of interest. Alternatively, the Internet is a great source of information. Also, one can join an Internet blog or group and gain information and tips from persons already living overseas. As I said in my opening, the best part of your life could be in Asia, and the best time is now.

         
    Retirement calculator how much will it cost you to retire

     

    Many people have imagined a secured future by the time they have reached their retirement age. However, only a few have truly worked out the estimated amount of that they need to hit the sack happily. This is because most people are not aware about the importance of using retirement calculators. With retirement calculators, you can easily foresee the probable amount that you will earn by the time you retire. In this way, you can easily plan the necessary savings that you have to make to achieve your desired amount in the future. Getting to know how much to save to arrive at your desired amount is easily computed on a yearly investment. From there, you can work towards a more achievable goal. The computation, however, is greatly dependent on several factors. It does not necessarily mean that using retirement calculators will guarantee your future. Here is the list of the items that you have to consider when using retirement calculator: 1. Your present age and your desired retirement age This will greatly affect the results in the retirement calculator. The available years from your current age up to your desired retirement age will determine the amount of savings you have to accumulate in order to reach your goal. For instance, if you have lesser years to save, then your retirement calculator will tell you that to invest more money if you want to retire with considerable amount of disbursements. 2. Life expectancy Your expected life expectancy will also affect the result in your calculator. 3. Inflation rate 4. Total Social Security Disbursements 5. Rate of ROI (return of investment) These are just some of the probable factors that you have to consider when using retirement calculators. All of these things will have individual effects on the results. In the end, people tend to mix everything up and errors on computations are expected. Financial experts recommend some feasible solutions to avoid possible confusions and errors in using the retirement calculator. Here’s how: 1. Be careful in choosing factors Some people tend to choose some factors when using retirement calculator. Any considerable errors in the selection will constitute clear negative effects on the results. Hence, it is important to be cautious in choosing a particular factor. Try to give some allowances as well. For instance, if you will be using the “rate of return of investment,” it would be better if you will use a lower rate than what the current or even the best possible rate available. Things like this will not put your computation in a negative light. 2. Do not stop at a single computation Experts recommend that you evaluate the factors that you have used during your first computation. Keep in mind that these factors may vary as the time pass by. Hence, it is best that you keep up with the flow. 3. Experiment Do not stop from where you have started. In order to reach your desired retirement goal, it is best that you experiment on the variable factors that will greatly affect the results. For example, inflation rate is highly changeable. Hence, experimenting on its different rates will provide you considerable low and high rates. 4. Always seek a professional Do not depend on the tool alone. It is always important to seek the help of a professional. In this way, you can understand the use of retirement calculator better. Knowing its pros and cons will help you understand the viability of retirement calculator. In turn, securing your future will be relatively easy.

         
    Retirement income for life

     

    Joe Smith writes- I just retired. I have worked all my life and am ready to have some fun in retirement. I want to figure out how much income I can take in retirement without running out. I have $200,000 in my 401k plan with my former employer. I am 65 years old and my wife Emma is 56 years old and would like to be guaranteed to at least have income for the next 20 years for me or for my wife if I don't make it that long. What are my options when it comes to annuities? We have two solutions you may want to consider. As with all investment planning there are advantages and disadvantages to each option and my job is to help you understand them. Option #1 Income for life There are different types of annuities available that can help make sure you have income for the rest of your life and the rest of your beneficiary's life. One solution is called a "lifetime five" option. This is where you invest in an annuity that is invested in a managed portfolio of stocks and bonds. The investment decision-making is left up to the annuity company. You are initially guaranteed each year to receive 5% of the original amount invested for your life and your wife's life. Since you are both over the age of 55 you would qualify for this type of annuity. Age 55 is the minimum age. You are guaranteed by the annuity company that you will be able to take an income payment of at least: $200,000 x 5% = $10,000 per year for the rest of your life and the rest of your wife's life This is the minimum guarantee provided by the insurance company. This annuity also has the ability to raise the minimum amount you can be paid every 3 years. For example: If you invest $200,000 and in three years your portfolio has grown to $215,000 your new minimum guarantee is: $215,000 x 5% = $10,750. You just got a $750 dollar raise per year for the rest of your lives. On the other hand, your portfolio may fall to $190,000 after three years. In this scenario you would not have any stepped up minimum guarantee so you would just collect your original $200,000 x 5% = $10,000 per year for the rest of your lives. You would get another chance to increase your income stream in three years. Remember, you get a chance to step up this account value every three years, but the amount of your annual payout can only go up, it can never go down. You may ask, "What if I need some money for an emergency in a lump sum?" In this situation you would be able to withdraw your portfolio's value, less any withdrawals and penalties. It most likely will have some value but due to market fluctuations and withdrawals it may be lower than your original investment. You may also have to pay a surrender fee of up to 10%. In summary: Advantages: Known income stream for life, with upside potential. (In this example a minimum of $10,000 for life.) You have upside potential but no downside risk in income streams You can participate in market gains every three years and possibly adjust your income upward. If, after the surrender period is up, (usually 7 to 10 years) and your account value has gone up, you can walk away from the contract if you want and invest in another annuity. This may be to your advantage if you don't want to wait another 3 years to up your income stream. Guaranteed an income stream for over 20 years, if you live longer than 20 years and for your wife's life even if she lives any number of years after you die. Disadvantages: If you need to withdraw the entire amount of your money within the first 7 to 10 years of investing your money, you will pay a surrender fee of up to 10%. If you want to walk away from the annuity contract because you need the money in a lump sum your account value can possibly be down from your original investment. The insurance company allowing this "income for life guaranteed benefit" no matter what happens to the account value does not come for free. There are additional annual fees involved in order to provide these guarantees. You should expect somewhere between 0.50% and 0.75% of the account value. Option #2 Income for your life or 20 years whichever is longer. (Immediate Annuity) In this type of annuity we are talking about an immediate annuity. This is where you buy an annuity contract and immediately annuitize the contract. In this situation things are a little simpler, but as we may demonstrate you may pay a price for the simplicity. In this type of contract the main advantage is the annual payout for this contract is higher than in the previous example. For an individual who has $200,000 to invest the immediate annuity quotes we get from annuity companies average out to $13,500. Let's look at how this works. In this example, the annuity company will pay $13,500 every year for the rest of your life, or 20 years, whichever lasts longer. So if you live for 25 years, to age 90, the annuity company will pay him $13,500 every year for 25 years. If you lives only another 11 years and dies, his beneficiary (in this case probably his wife Emma) will receive the remaining 9 years of income payments of $13,500 and that is it. At the end of your life the annuity company knows that if they have not already paid out 20 years of payments one of the beneficiaries will get the remaining payments. Let's say you die in 21 years after he initiated this contract. The annuity company has fulfilled their promise of a minimum of 20 years so there will not be anymore payments to anyone. There will be no more money left in the contract and your wife will get nothing. You might ask, "What if I need to take the money out after 10 years has gone by to pay a medical bill?" The answer is that you cannot do so. When you get into an immediate annuity contract there is virtually no way to get out of it. You will not have any cash value after you sign the paperwork. All the annuity company is obligated to do is pay out 20 years, or the length of your life whichever is longer. After the annuity's obligation is up the contract is worth nothing. In summary: Advantages: Known income stream for life of the owner. Higher starting income stream that never changes No concerns of the underlying investments because the annuity company is responsible for that. Guaranteed an income stream for 20 years, if the owner lives longer than 20 years the annuity company will pay the same amount until the owner passes away. Disadvantages: If you need your money back at anytime after investing your money, you cannot get it back in lump sum form. You can only collect the annuity payments. If you live for 20 years or longer your beneficiary will not see any money from this annuity. There is no ability to increase your income stream. Your payments will stay the same and will not have a chance to increase with inflation. These are two of many options available to one person's situation. Both of these annuities have benefits and drawbacks. It may make sense to discuss further details with our local Denver, Colorado annuity consultant.

         
    Retirement worries imagine double your investment in 2006

     

    Copyright 2006 Geoff Morris In a joint venture that encompasses several major property developers, as well as leading Internet marketing guru Kirt Christensen, and one of the USA's leading Motivational Coaches 'Dr Stan Harris', Property Horizons kick off their latest Florida venture with a tele-seminar to be held early in January. If the prospect of generating a return on your investment that will approach - or even exceed - 100% excites you, then you really must have a look in more detail about the deal the joint venture is planning. Starting with the initial teleseminar in early January, these will be followed up every month with at least two more exciting property opportunities. Every three months they will be planning live seminars in Orlando, where both new and resale opportunities will be on display. The people involved in this promotion have all been selected carefully, to ensure that fun and profit are combined in this competitive but extremely rewarding area of real estate investing. The Realtor group selected specializes in identifying major developments across Florida, and have the clout to pass on huge savings and other advantages to their prospects. Kirt Christensen, a leading Internet Marketer, used his expertise to buy a diamond marketing company a couple of years ago, did his magic and sold it for an ABSOLUTE FORTUNE, so he is used to identifying bargains, and 'spreading the word' very effectively. Dr Stan Harris is one of the USA's leading Motivational Coaches (Watch him smash through 7 concrete lintels with his bare hands - keep HIM away from your property). Although real estate investing is serious business, sometimes it is great to have somebody to help you overcome the inner doubts that can occasionally stop you from achieving your true potential. Although the property market has its ups and downs, if you look at markets world-wide, there is a sort of ‘Mexican Wave’ effect sweeping the Globe. What we mean by this is that as one economy is bubbling, and house prices rising, another is static, another is falling… so the secret is to be able to buy on the downward spiral, and sell on the crest in the next market. Timing can be so critical, especially if you are looking to at least see a consolidation in the equity you have in your property, not that you should consider property investing a short-term affair. At the moment, properties in Florida and Georgia are still on the up in the right areas, so the end game is to have as many new property millionaires as possible created based on these high growth areas - you never know - you could soon be on YOUR way to your first (or next) million

         
    Retiring or leaving the company how to properly do an ira rollover

     

    Retiring or leaving the company--How to Properly do an IRA Rollover Whether you are retiring or changing jobs, you need to know what to do with your employer sponsored retirement plan before your leave. Once you leave a job for whatever reason, you can choose to: •Rollover the money into an IRA (ira rollover) •Take the lump sum and pay the income tax and potential penalties •Leave the money at the company if the company offers that as an option •Rollover the money into your new employer's plan, if that plan accepts rollovers Realize that the above are options offered by IRS. However, your employer's rules may be more restrictive and if so, there's nothing you can do. For example, if you have a pension plan that offers payout options over your lifetime or jointly over the lifetime's of you and your spouse, but there is no option to rollover a lump sum to an IRA (ira rollover), than the rollover option isn't available to you. In other words, the "summary plan document" rules. You may want to get a copy of that now and have your financial advisor review it so that you know what options you have. So the starting point is to get the information from your employer plan as to the options available to you. What is an IRA Rollover? IRA rollover means to move money from a retirement plan such as a 401(k), 403b (tax sheltered annuity) or 457 (municipal deferred compensation) into an IRA or other plan. If you receive a payout from your employer-sponsored retirement plan, a rollover IRA could be to your advantage. You will continue to receive the tax-deferred status of your retirement savings and will avoid penalties and taxes. There are two reasons that rollovers are favored over other options: •You have virtually unlimited investment selections. Unlike your employer's plan which may have six investment options or even 50 investment options, in a self-directed IRA, you can choose any stock, any mutual fund and a host of other options listed later. •Company plans often can restrict choices for non-spouse beneficiaries. Specifically, they may not be able to stretch IRA distributions over their lifetime. The benefit of this "stretch" is it defers taxes and allows the funds to potentially grow longer and larger in a tax-deferred environment. The reason to leave your retirement plan with your company (if they permit this) is because your company plan is covered by ERISA and is protected from creditors. However, under the new Bankruptcy Abuse Prevention and Consumer Protection Act of 2005, the creditor protection will follow the money if it is rolled into an IRA and not commingled with other IRA money (from annual contributions). Combining with Other Retirement Accounts The rollover IRA is usually funded by the eligible distributions from a company sponsored retirement plan. These distributions can be combined with your existing IRA(s) or placed into a separate IRA, but see the new creditor protection rule mentioned above. In fact, the IRS permits these funds to be combined with other types of retirement accounts. For example, say you have been self - employed and you have a one-person profit sharing plan (often referred to as Keogh plans), you could rollover the employer-plan assets into your profit sharing plan. Or, if you have a second job and that employer has a 403(b) plan and also accepts IRA rollover contributions, you could rollover your 401(k) balance into that 403(b) plan. Completing your IRA Rollover When it's time to retire, you have a few options on moving the money from your employer's plan. Direct IRA Rollover:Your employer can directly rollover your retirement plan payout into a Rollover IRA and you will avoid the 20% IRS withholding tax. This is exactly what you should do by providing your employer the name, address and account number for your new Rollover IRA custodian. For example, you give your employer instructions to send your retirement account to ABC securities, account #8889999. Funds are sent directly to the IRA account and you never touch them. This is the preferred method of moving retirement funds. Payout by Check: If your employer hands you a check for your retirement funds, the employer must withhold 20% for potential taxes. You can avoid the 20% IRS withholding tax on a payout by check from your employer if you deposit the check plus 20% into a rollover IRA within 60 days. In order to complete the tax free rollover, you now have 80% of your IRA rollover in your hand and you must take the other 20% out of your pocket so that you have a completely tax free rollover (you will get the 20% income tax withheld as a refund after you file your tax return). Don't allow your employer to give you a check, as this requires you to take money out of your pocket to complete your rollover. Taking a lump sum distribution: This is typically not a wise option because you will pay income tax on the distribution and a 10% penalty if under age 59 Ѕ. However, there may be reasons to take a taxable distribution. If you are set on buying a $300,000 boat and spending the rest of your life floating about the globe, then you may need to take your retirement funds now and pay tax. However, if you can avoid using these funds currently, you'll hopefully have a nest egg when you're old.

         
    Reward credit cards finding the best available

     

    Reward credit cards come in a variety of forms. Specifically how points toward rewards are earned and the types of rewards that can be earned with a reward credit card varies from card to card. The rewards offered by reward credit cards are generally related to a special area. For example, some reward credit cards allow cardholders to earn points when making purchases at gas station, supermarkets, or drugstores. The rewards earned are often related to this in some way, such as the cardholder may receive gift certificates to the same types of stores. Similarly, the reward credit card may be related to airline travel. Every time the cardholder makes purchases with a specific airline, he or she earns airline miles or free travel. In addition, these airline reward credit cards also generally offer the cardholder free companion tickets. When it comes to choosing the best reward credit cards, the consumer needs to assess his or her lifestyle and determine which rewards are most attractive - and most profitable - for his or her needs. A reward credit card that provides specialized rewards, such as gift certificates to a specific restaurant, may not be useful to a cardholder that does not have a need for that reward. Reward credit cards can provide credit cardholders with fantastic rewards for their purchases. At the same time, the consumer needs to be sure he or she is not actually paying for the reward in the form of finance charges and annual fees. Many reward credit cards assess an annual fee. If this annual fee costs more than it would cost to simply purchase the reward, it is certainly not worth paying for. The same holds true when looking at the Annual Percentage Rate (APR). A cardholder who pays the balance of his or her credit card in full each month need not worry about the APR. One that intends to carry a balance from billing cycle to billing cycle, however, must consider the amount of money that will be spent in the form of finance charges. Once again, if the finance charges will be too great, the rewards of the credit card are not really rewards - they are items the cardholder is paying for. Several reward credit cards have expiration dates. For those cardholders that will not be able to collect enough reward points before they expire, these reward credit cards may not be the best option. Similarly, some reward credit cards have limitations to how many points can be acquired each year. Cardholders need to consider these limitations in order to ensure they are receiving the greatest amount of rewards possible. If a cardholder spends $15,000 per year on a credit card, but a rewards credit card only rewards up to the first $10,000, that is $5,000 that is going unrewarded. The answer may be to select a different reward credit card, or to simply stop spending on this particular credit card once the limit has been reached. After all, every dollar spent on a credit card deserves to be rewarded. A good place for consumers to look for the best reward credit cards is at the businesses they frequent. For example, a consumer that routinely purchases gas from a specific type of gas station should enquire with that business to learn if it has a rewards credit card. The same is true for a consumer that frequents certain restaurants, stores, and airlines. It is becoming increasingly commonplace for businesses to pair up with major credit cards to offer special reward cards.

         
    Roll over your ira for a more secure future

     

    The convenience of 401(k)s and other employer-sponsored retirement plans have turned many Americans into investors. That's good news, since it is becoming evident that fewer retirees in the future will have substantial pensions and more will have to rely on their own savings to cover their needs. Statistics show, however, that the average American will change jobs at least 10 times throughout his or her lifetime. This could make it more difficult to maintain a retirement account, unfortunately, since many people opt to "cash out" their retirement savings when they leave their jobs. In fact, according to a 2003 survey by global human resources services firm Hewitt Associates, 42 percent of people cash out their retirement savings when they change jobs. The number is higher for younger people and people with lower balances: 50 percent of people aged 20 to 29 cash out, while 72 percent take cash if the account balance is between $5,000 and $10,000. There is a smarter way to handle your retirement fund when you change jobs: Simply roll it over. By transferring your funds to a Rollover IRA, you avoid paying taxes now, giving your money the opportunity to grow tax-deferred. You also won't be hit with an early-withdrawal penalty if you don't take out funds before you turn 59 1/2. Among the many financial firms offering Rollover IRAs, T. Rowe Price has one of the more simple and flexible solutions. Its free interactive CD-ROM, "The T. Rowe Price Rollover Planner," helps investors decide what to do with their existing 401(k)s when changing jobs or retiring. "The T. Rowe Price Rollover Planner" includes a distribution calculator that allows investors to compare the dramatic differences between taking cash distributions when changing jobs and keeping the money invested in tax-deferred accounts. For example, a 35-year-old with $25,000 in a 401(k) who chooses to cash out would end up with just $15,750, assuming a 27 percent tax rate and a 10 percent early-withdrawal penalty. If the money were rolled over to an IRA, however, the account would be worth an estimated $252,000 before taxes when the individual reaches age 65, assuming an 8 percent average annual rate of return.

         
    Rolling over your 401k plan the easy way

     

    So what is a 401k retirement plan? A 401k plan is actually a retirement investments plan that is subsidized by employee or worker payments and often, corresponding involvements from your manager or employer. In addition, the most important draw for these plans is that the payments are taken from your pre-tax wage, and the funds rise tax-free until such time that it is withdrawn or pulled out. Also, the plans are, to some degree, independent and self-sufficient, and the good thing is that they are manageable and convenient. 401k retirement plans are for profit and many kinds of tax-exempt associations and institutes can create these plans for their employees and working staff. Moreover, a 401K plan is a corporation-supported retirement plan for workers. Payments and earnings in a 401K retirement plan are not subject to federal and most state income taxes until the account is withdrawn or pulled out. With a 401K plan, you can save and invest cash from a pre-tax starting point with the employers contributing corresponding funds to add to yours, which makes the plan even more profitable. Most of the time, you will have the option to choose how much you want to contribute, up to the maximum allowed by the government and also the option to choose where your contributions go. You pick your investment vehicle from a directory of funds provided by your retirement plan sponsor or manager. You can learn when you are entitled and permitted to start contributing in your business’s 401K retirement plan from your assistance manager or director. In addition, once you are qualified to sign up, you will be given an inventory of funds in which you can choose to invest in. You can choose to invest the maximum of $14,000 in 2005 and $15,000 in 2006. There are numerous benefits and gains to 401k plans. First and foremost, since the contributor is permitted to make a payment to his or her plan with pre-tax cash, it lowers the total tax taken out of every pay check. Subsequently, all company payments and several enlargements in the principal capital are free of tax until withdrawal. Moreover, the compounding result of steady cyclic payments over the phase of 25 or 35 years is remarkable. In addition, you can decide where to target upcoming payments or place present savings, giving more power over the assets to the contributor. Consequently, if your company matches your contributions, it is like receiving additional funds on top of your earnings. In addition, unlike a regular retirement fund, all payments can be shifted from one business plan to another company plan if you change jobs. Because the plan is an individual investment for your retirement it’s sheltered by the retirement fund (ERISA) laws and regulations. This gives you the extra security of keeping your funds from the hands of creditors in case of bankruptcy. This does not apply to household relations court cases that deal with divorce orders or child support orders. Indeed, a 401k retirement plan is a good way to start setting yourself up for an enjoyable retirement.

         
    Roth 401k new retirement savings plan

     

    Brand new employer sponsored retirement plan is a hybrid of a traditional 401k and a Roth IRA. Income tax rates have been cut, the marriage penalty done away with, and the "death tax" is also on a path to no more. All of this is a result of the Bush administration's Economic Growth and Tax Relief Reconciliation Act which was passed by a Republican congress in 2001. Another provision of that act went into effect on January 1st, 2006, a hybrid of a traditional 401k and a traditional Roth IRA called the Roth 401k. Yet another employer sponsored savings plan, the new Roth 401k works in almost the same way as a traditional 401k plan. Workers invest a portion of their income into a fund along with contributions from their employer (if any). The difference is that the traditional 401k is funded with "pre-tax" dollars and the Roth 401k plan uses "after-tax" dollars. However, with the Roth 401k, withdrawal of your money at retirement will be tax free like a Roth IRA. The traditional 401k plan defers the tax owed during your career until retirement. Although it may sound like the best of both worlds, it is important to note that no employer is required to offer this new Roth 401k plan. In fact, a recent survey by employee benefits consulting firm Hewitt and Associates found that only 31 % of employers currently offering the traditional 401k plan are considering implementing the new Roth 401k. Contribution limits for the retirement plans are: in 2005, $14,000 for a 401k and $4,000 for an IRA, whether Roth or traditional. In 2006, this amount will increase to $15,000 for both 401k and IRAs.

         
    Same day cash loans extra cash in the mid of the month

     

    Suppose there are no options left from where you can borrow cash in instant in the urgent financial crisis. And without the least delay or probability the same day, you have to execute the sudden befallen end on you. At this stressful time, you can easily supervise and disperse the end. This is viable only if you take the Same Day Cash Loans into consideration. As cash is required within the same day so it has brush aside from many conventional practices. The foremost feature is it is an unsecured form of loan. Applicants can easily grasp the small cash benediction just by meeting some principles of eligibility. The criteria of eligibility are as follows: applicants should be a salaried individual of a firm or organisation; applicants should be holding an active bank account. This ready cash scheme enables the borrowers to borrow cash within the range of

         
    Same day loans does not let you wait for the cash you need

     

    People find ways to secure the money required for their day-to-day purposes. It becomes burdensome due to managing the unexpected expenses along with their other expenditures. Giving a cushioning effect on the borrowers’ financial fuss, Same Day Loans have solved the knot of short-term monetary complexities. With the loans, you will able to range out a sum anywhere from

         
    Save money by making your home energy efficient

     

    With the increase in energy prices, it's important to know that there are ways to lower your energy bill, maintain the overall comfort of your home and be energy efficient. There is another big plus to being energy efficient: You help the environment. Using less energy means less air pollution from power plants that burn oil, coal or natural gas. Pollution from these sources can cause respiratory disease, smog and acid rain and contribute to global climate change. Consumer Federation of America offers these tips on how to be environmentally friendly and save energy in your home. * Clean or replace the air filters in your home's heating and cooling system regularly. A dirty air filter can increase your energy costs and lead to equipment failure. It's also good to have your systems checked once a year by a licensed professional. Regular maintenance can detect problems early. * Use light bulbs and fixtures that have earned the Energy Star label - the government's symbol for energy efficiency. Such lighting uses two-thirds less energy and can last up to 10 times longer. * Install a programmable thermostat. It will automatically adjust the temperature to meet your comfort needs efficiently during different times of the day or week. A programmable thermostat can save you up to $100 a year when properly programmed and used. * Seal air leaks in your home. Add new weather-stripping and caulking around windows and doors. Caulk and weatherproof all exterior openings for plumbing and electrical service, and look for other openings that need to be sealed, such as attic vents and ducts. Effective air sealing, combined with the right amount of insulation, can save up to 10 percent on energy bills. And if you're in the market for new windows, look for energy-efficient ones to help keep your home cooler in the summer and warmer in the winter. * When replacing older, inefficient appliances in your home, look for new ones that have earned the Energy Star label. They meet strict energy-efficiency criteria set by the U. S. Environmental Protection Agency and U. S. Department of Energy; use less energy; help prevent air pollution; and reduce energy costs in your home.

         
     
         
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