Understand Where Credit Scores Come From

If you are going to improve your credit score, then logic has it that you must understand what your credit score is and how it works. Without this information, you won’t be able to very effectively improve your score because you won’t understand how the things you do in daily life affect your score. If you don’t understand how your credit score works, you will also be at the mercy of any

Will You – REALLY- Need Lower Income in Retirement?

There is this completely bizarre idea that one year you are working - looking for ways to beef up your income - and the next you can comfortably survive on a much lower income. Simply, because you are in retirement.What The Experts Say Some so-called financial experts say you need 70 percent of pre-retirement income after retiring, while others claim its 80 percent, 85 percent or 90 percent.Then,

Building Courage for a Better Life

When we develop the habit of courage and unbreakable self-confidence , your whole life changes for the better. Building courage will help you take risks to a better life that you ordinarily would not take. You open doors to a new world of possibilities. When you build courage, you put fear behind you. Courage is the process of admitting that you have fears, yet you are willing to find a way to

Investment Losses Can Lower Your Tax Bill (?)

Investors who are not disturbed by this title should – seriously - check their investment IQs. If you have investments in the stock market my guess is, they are in hell at the moment. It would be the biggest understatement to mention that 2008 was a horrific year – with the DOW, NASDAQ and S&P 500 Index each plunging well over 30 percent.Investing directly in the stock market - in my opinion - is

Buried in Tasks

Have you been spending too much time on administrative tasks? Not enough time generating new business? Has your personal/family life been reduced to a few hours on the weekend? Does your to-do-list includes hundreds of tasks and many of them don’t seem to accomplish your goals? If you answered yes to any of these questions, you need to read further. You cannot let the tasks rule your life, it is

Be Organized, And Achieve Your Goals!

Being forgetful or disorganized is not a good sign of leading a healthy mind and a successful life. The misplacement of files, documents, even where you left your keys this morning will prevent you from achieving your goals. How much time do you think the average American wastes looking for a misplaced paper? There are reports that state that approximately 150 hours are wasted a year looking for

Numbers Don’t Lie, They Just Muddle

I see a bunch of confusing, twisted numbers in hundreds (if not thousands) of colorful, convincing 401(k), 403(b), IRA and TSA brochures – and on some websites. These sources usually portray – and wrongfully profess - that all things being equal using pre-tax contributions and deferring taxes will result in a bigger nest egg. Therefore, those who use such accounts will end up with higher net