Jim Rohn - How to have Your Best Year Ever

Women - No Time for Complacency!

This is National Women’s Week and the Women’s Affairs Bureau of the Ministry of Labour & Social Development is celebrating with a week of events that you should endeavor to participate in.

However, as we celebrate one of the realizations is that despite the inroads made by Bahamian women – they still seem to be complacent when it comes to relationships and money matters.

Bahamian women for the most part seem to still be comfortable having their finances managed by the men in their lives and seem to still think that men are the answer to their financial woes.

This is a grave mistake and I want to say that it is important for you even if you are married to a money management expert who provides for you and doesn't have a sweetheart (as far as you know) on the side to become involve and understand what’s happening with the money in your house because if something happens to him you won't have the slightest idea of what to do.

And if he does turn out to be a devil because of your hands off approach you won’t be able to find all the money which will result in you getting the shorter end of the stick.

So my warning to you is no matter how confusing, complicated or boring you feel money management is, not learning about money and investing is the most devastating things you can do and a sure bet to ruining your future. And whether you believe it or not, no one can manage your money as good as you can.

The good news is that it does not take a lot of effort for you to manage and make your money grow. If you are guilty of this mistake here are eight simple steps to get you on the right track:

Sugar

You have heard the expression “they have sugar!” over and over again in your homes, in your churches, your schools and at almost all social gathering of Bahamians.

You also know someone who has “sugar”- maybe it’s your mother or father, an aunt or uncle, a brother or sister or your cousin.

You know someone with “sugar” but what is it?

* “Sugar” is our traditional or folk expression for the disease “Diabetes”
* “Sugar” is the fourth leading cause of death amongst Bahamians.
* “Sugar” is one of the leading causes for amputations in the Bahamas.
* “Sugar” is a disease that affects the young as well as the not so young.
* “Sugar” is a disease that is closely linked to your lifestyle and it is preventable.

Unfortunately, because of your lifestyle and your lack of understanding about this disease “Sugar” is on the rise. And why reading this information could save your life. To continue Reading Click Here

Two Critical Keys To Your Financial Survival

In today's uncertain financial markets the one thing that is certain is - if you are going to survive you must take control of your money, no matter your age or income level. And the message is also clear that you are going to have to take full responsibility for your financial well being.

So here are the two critical keys that you can count on to ensure your financial survival.

The first critical key to your financial survival is you have got to know where you're going!

I'm sure you have heard it over and repeatedly - “he who fails to plan, plans to fail” and believe me those words are as true today as they were on the day they were first spoken and yet persons are failing everyday financially because they do not have a plan.

If you are going to survive you have to start with a thoughtful, well-designed financial plan. And you may need professional help in getting it done.

Remember that your financial well being is no different from your medical well being and just as you use a professional to help with your medical need you will need financial help!

Your plan should include the following:

Find out which is the best auto insurance company in the Bahamas

Are you looking for consumer reports and auto insurance company rankings?

Well here is your opportunity to both add your input and see who is on top.

This is not an evaluation of an insurance company financial performance, or their market share but how they treat you the consumer.

We are evaluating what really matters, how did they treated you when you had a claim. So take a few minutes and answer these 10 question and we promise to get you the information you want shortly.


What was your experience and what is your opinion about your insurance company?

Give Your Employees The Financial Help They Need

Give Your Employees The Financial Help They Need With Your 2010 Subscription to

"Getting Healthy & Wealthy With Glenn E-newsletter! "

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Few subjects are as intimidating as money and the money rules used yesterday no longer apply today and that is why your employees need your help!

In these tough economic time many employee are having difficulties

Did you know?

According to a survey done by the American Psychology Association:

* 8 out of 10 people are stressed because of money and the economy
* 50% in the survey stressed about providing for their family and job stability
* Women are bearing the brunt of the financial stress
* ⇒ 60% feel angry and irritable
* 53% fatigued
* 52% sleepless
* Concerns about personal finance are 5x those regarding health

And in 2008, considerable financial distress impacted health and productivity according to a study by Shepell-fgi

Why is this Important for You?

Money problems follow employees to work through:

* Absenteeism: up to $700 per employee annually
* Reduced Employee Productivity: when an employee is present for work, but physically, mentally or emotionally distracted, job performance and productivity suffer by 10%
* Work Place Accidents: Research by the Herman Group proved that 60-80% of accidents are work related
* Employee Turnover: Many employees in financial stress believe they can earn’ their way out of financial problems by getting another job to make more money
* HR Department Distractions: HR Departments feel the impact of financial stress the most, increased by 10%, for time wasted on fielding calls from creditors, advance payments, etc.


This is why you need to get your 2010 subscription to "Getting Healthy & Wealthy With Glenn E-newsletter! "

This monthly financial enewsletter addresses the problems that are creating a world-wide personal financial crisis - and provide solutions that are so simple, yet are counter to conventional common sense about what it takes to be financially successful today.

And is delivered directly to your inbox for easy distribution to your employees by email.

What Others Are Saying

"The information Glen gives is not only relevant and timely it is wisdom with understanding....a call to action and a response to a critical need!"

Beverly A. Saunders Vice President - Training & Organization Development Atlantis Resort


"Helpful, motivational, interesting, sincere" - these are a few words that can be used to describe, the "Getting Healthy and Wealthy Newsletter. There are tidbits for everyone that should cause you to want to take action to change your "bad" habits. I know it has helped me!

Bonnie Nguyen, Human Resourse, Bahama First


"provides the staff with a plethora of sound advice and information that enabled them to make better informed decisions, prepared them more psychologically for a future beyond the "normal job" and helped to jump start their financial planning toward a more comfortable future."

Renee D. Mayers , Former Director of Human Resourse Ministry of Tourism


What I’ve always appreciated about your newsletter is that your approach simplifies the issue of organizing my finances. Your advice also help’s organize my health as a result. Presenting this much needed advice in “layman’s terms” is absolutely wonderful, and I can’t thank you enough for this. Peace of mind regards organizing my finances is so important, and your newsletter goes a long way in assisting me.

Wendy E. Wong Executive Administrator, Bahamas Hotel Association


This e-newsletter teaches your employees:

* How to reduce money stress now
* The foundational basics of financial literacy - money basics
* How to effectively spend and manage money on a day-to-day basis
* How to develop confidence to ask money questions to get better results
* A positive approach to developing lifelong financial security
* How to make critical retirement planning decisions


See Sample of e-newsletter


Annual Subscription Cost:- $600.00


You Get:-

1. An invaluable tool and a much-needed financial service for your employees
2. Freee access to online resourse at www.financialcoachingwithglenn.com
3. 10% discount on all Financial Coaching with Glenn Resources & Seminars



Get Your Subscription Today

Click Here & Complete The Form

Investing- You Might As Well Be Blind

Life Insurance - An Invaluable Tool & Good Investment to Make

Frequently I am asked the question, “What is a good investment to make?” You too may have often asked this question. Just keep reading and you will soon find out what I’m bullish about when it comes to investing and why.

Unfortunately, when persons ask this question they are usually not prepared to invest. You see in order to invest you must first have some money. That’s right you need money to invest and you can only get money to invest by saving a portion of your income every pay for this purpose.

If you have no savings, then you can have no investment. You can't invest what you don't have. So the first step in investing is to save some money!

Not every now and then, but consistently and systematically. You should save a portion of every pay cheque you get.

Here’s a simply formula that I like and that will help you get started. After receiving your pay cheque why not start setting aside:-

1. 10% for saving,
2. 10% for investing and
3. 10% for giving (tithes), and then
4. manage your expenses so that they are covered by the reminding 70 percent of your pay.

And if you need help, “Taking Control of Your Money” workbook is a great resource to get you started

I know as you read this you are probably feeling that it won’t work for you but even if you have no money, or heavily in debt, it's important to start now to correct your situation and come up with a plan to cut your expenses and maximize your savings.
You have absolutely nothing to lose and everything to gain by trying this formula. So why not decide today to take time out and begin to properly managing your money! It’s one of your most important resources.

Secondly, you must realize that investing is risky business. You can lose your money.

Continue Reading

Prostate Cancer - Which Choice Would You Rather Make?

"Good Health Is No Accident" – Dr. Robin Roberts, Bahamian Urologist

Recently I was privileged to participate in Doctor’s Hospital’s distinguished lecture series, as well known Bahamian Urologist, Dr. Robin Roberts presented on the topic “The Healthy Male: Forty Years Plus…And Doing It All”. A presentation that every Bahamian man and boy should have an opportunity to experience.

Early on it looked like a ladies affair but the men eventually showed up and benefited from an informative, frank and open presentation on men health issues.

As I sat and listened it seemed like déjà vu. You see it was fifteen years ago that Dr. Roberts helped my son Rashad, by reconnecting his urethra, which was accidentally severed during a life changing surgery, and now there he was sharing information that was vital to possibly extending my life.

While you may not have the “genes” that ensures long life, from Dr. Roberts’ presentation it was clear that you are your own worst enemy. You are the ones doing the best you can during the first half of your lives to shorten the second half of your life. It’s your appetite that’s killing you!

Yes it’s “Your Lifestyle not your genes” that determines your health. Dr. Roberts premise was that most of the diseases that affects you later on in life are the result of choices you make and that “poor health was no accident” “good health is no accident!”

While Prostate cancer was what everyone wanted to hear about, it was very enlightening and astonishing to learn that men were leading the way in deaths in fifteen categories of preventable diseases.

Including High Blood Pressure, Diabetes, Heart Disease, High Cholesterol, Obesity (65% of Bahamians are obese), Strokes and Cancers.

Continue Reading

October A Good Time To Look At Your Money & Health

Wow would you believe it’s October already? And before you realize it Christmas will be here and 2009 would have passed you by. That’s why it’s so important to take some time to reflect on what’s happening in your lives and around you because your daily activities sometimes distract us from what is really happening.

I think October gives us an opportunity with less than 100 days left in the year to see what you have accomplished, reminisced on the past, seriously consider your physical health, and diligently refocus your dreams for the future. Ironically, October has been declared not only youth’s month but also older persons month.

Older persons can now look back over their lives and see the journey that they have made to where they are and younger persons can look forward to where the journey that they are on will take them.

And no matter your age there are two things that would inevitably affect the quality of the lifestyle that you’re able to enjoy- Money and Health! Two issues but you cannot afford to ignored.

While youth gives you the strength of the energy and enthusiasm to be able to focus all of your skills and energy on earning money. It is not until you’re much older that you really appreciate the value of that money that you would have earned. And why it is so important now for you to begin to teach your children the value of money.

Never forgetting that money is only a tool that allows you to do what you want to do when you want to do it but this can only happen if you focus on creating wealth. Wealth is simply your ability to go without a pay cheque.

So the question you should be asking yourself is “how long can I go without a pay cheque? and this will tell you whether in fact you’re using your money to create wealth.

Unfortunately, you do not recognize the importance of creating wealth until you would have exhausted your most valuable resource - Your Time.

Click Here To Continue Reading

Retirement Planning - Two Retirement Risks You Must Consider & Understand About Your Retirement.

There are two risk factors that will impact significantly on your retirement readiness and the quality of your retirement and it is important that you fully consider and understand before you retire.

The first of these risk factor is the risk that you or your spouse will outlive your retirement assets. So you need to ensure that you have enough money for the time that you will have in retirement.

And this risk is compounded by "Financial Market Risk." This the risk that unexpected and sustained market declines will undermine your investment portfolio's ability to produce the income required to meet your needs.

Which means that you must improve your financial literacy to ensure that you understand exactly how your money is being invested and affected by the various changes in the markets.

The second is what I refer to as the “The Lifestyle Effect!” it may surprise you that your genes have only a 30 percent impact on how long you live. The other 70% is directly related to your lifestyle choices.

Therefore, the only way to reduce the health risk of aging is maintaining a healthy lifestyle. and the best assurance of low health care costs and a high life satisfaction in retirement years is to prevent diseases and accidents in the first place.

It may surprise you to learn that 60% of the deaths in persons sixty and older in the Bahamas is
caused by heart disease and cancer. If you these two diseases could be diagnosed and treated early, many more Bahamians could enjoy more fully their senior years.

And many more have their live complicated by chronic lifestyle diseases like Arthritis, High blood pressure and Diabetes. The best approach to avoid these illnesses is to engage in and make healthy lifestyle while you’re still able-bodied. And while there are many possible ways to prevent or postpone frailty.

Here are five important things you can do.

http://travelwithglenn.etraverus.com/presentation.php?media=cy

Jump start on 2010

You may not realize it but today, Tuesday, September 22nd is not only the first day of Autumn it is also the 265th day of 2009.

That means that there are only 100 days left in this year. 100 days before everybody starts thinking about new year resolutions.

But you can get a head start on your new year resolutions by getting started now!

So decide on the goals you want to accomplish in 2010 and start planning today.

If 2010 is your year for becoming debt free then you may want to get a copy "Taking Control of Your Money" today.

Here is a special page just for you- Click Here

Whatever your goal may be, get a jump start on 2010 because it will be here before you know it!

Five Numbers That Will Guarantee Your Financial Success!

It’s amazing how people just love a good numbers game. Persons have become so enraptured by the lottery that they are mistaking it for an Assue- a local tradition where persons pooled their resources over a period of time for the benefit of each participant.

Countless persons have educated their children, built houses, purchased real estate, furniture and cars using this method of savings.

Unfortunately no matter what they tell you “playing numbers” is nothing like an Assue. You have a better chance of drowning in your bathtub or being struck by lightning than getting your money back when you play that “numbers” game.

While an Assue allows you to receive your entire contributions with the only risk being the reputation of the person “keeping” the Assue, the only time you get your money back from the lottery is “if” your numbers happened to “fall”!

The good news though is that there are five numbers that if you play them you’re guaranteed not only to win but to create wealth for you and your family.

So here are those numbers.

Understanding BISX

Do you really, really know what the numbers mean when you look at the BISX listing of securities traded in the business section of the daily newspapers? Or are you confused by all of the jargon? Well you don’t have to be anymore.

Here's another installment to help you with getting your investing game on!

• Price: The current price of the investment
• Previous close: The price at the end of the prior trading day.
• Change: The difference between the current price and the previous close.
• 52-Week High, Low: Highest and lowest price during the preceding 52-week period.
• Dividend: The dividend per share denoted in a dollar amount.
• Yield: The dividend computed as a percentage of the current stock price.
• PE: Price-to-earning ratio, derived from dividing the company's stock price per share by earnings per share. This is one of my favorite gauges of whether a stock is overvalued or not. Stocks with large P/E ratios have to show quick growth to meet analysts' expectations.
• Volume: Number of shares sold during the day.
• Market capitalization: The total market value of a company, derived by
• multiplying the current price per share by the number of shares available.

Got a question about financial or retirement issues you're facing - any question at all.Just Ask Glenn!

Do You Have A Home Inventory?

As a home owner one of the best things you can do to protect yourself against a loss is to take an accurate inventory of your belongings.

You will find that having a detailed record of your belongings will not only save you time when submitting your claim but will also increase the amount of your final settlement from the insurance company.

And with the help of modern technology you will find doing it a breeze.

The best method for doing your home inventory is to use a video recorder. And it as simple as walking through your house and recording visual images of everything in every room and it wont take you long at all to do.

A second method is to use digital camera. This allows you to catalog everything digitally, quickly and easily.

Whatever method you have decide to use my advice to you is to set aside an some time as soon as possible and get it done.

Another bit of advice is that for high priced items like computers, televisions and pieces of art, it's a good idea to catalog as much pertinent information as possible. Including the manufacturer, serial number, receipt, and date of purchase.

And after you complete the inventory, be sure to save it in a couple of different places like online with a hard copy in a safe deposit box or any safe and easily accessible place.

Hopefully, you'll only have to access the documents to update them periodically, but if you do need them for a claim, you'll be glad you went to the trouble because having a detailed home inventory will ensures that you'll receive the fairest settlement possible from your insurance company.

Getting an affordable policy for your house requires that you not only understand what goes into a homeowners policy, but that you also understand the value of your own house and what you need to cover your house.

See how we can help by getting your free home insurance quotes today! Click Here

Understanding Life Insurance

When it comes to a life insurance policy, you could just start getting quotes, but if you don’t understand what they mean, there’s a very good chance you won’t get the coverage that you need and you’ll end up paying more than you need to.

The best way to save money and get the appropriate coverage for you and your family is to understand everything about the different types of policies available.

Is Whole Life Better than Term?

The answer to that question depends largely on you and your personal situation.

A term insurance policy is probably the most straight-forward and the easiest to understand. This policy is usually for a specific amount and lasts for a specified period of time (up to 30 years), and you pay a monthly premium. While term policies are often less expensive, once the term is over, it can be quite expensive to get a new policy.

Whole life insurance policies vary quite a bit, but at their most basic, they are made to cover you for your entire life. A whole policy provides more flexibility in that you usually have more freedom to change the overall death benefit, and this type of policy can accumulate a cash value.

Sometimes that cash value can be borrowed against or used to cover the cost of your premiums.

There are also policies that allow you to invest the money you put into the policy in investments selected by the insuring company.

How Much Coverage Do You Need?

This also depends on you, your family situation, and how much you want to pay for a policy. Many factors figure into the total death benefit that you would like to have. You have to consider how many people depend on you financially: whether you have one child or three can affect how large you need that benefit to be.

It also depends on the state of your finances. If you were no longer around, would your children have enough money to get them through college? Would your family be able to make mortgage payments on your house?

If you simply don’t know how much you need, it’s always a good idea to sit down with a professional to determine the right amount. a

How to Save Money on a Policy

There are a couple different ways you can save on a policy.

First of all, with any type of insurance, it’s always a good idea to ask what discounts might be available. If you buy all of your insurance policies at one company, that company will often give you a preferred customer discount.

Another good rule of thumb is to buy a policy when you are young and healthy, because premiums only get higher the older you get or if you experience any health problems. If it fits your needs, a term policy is usually cheaper than a whole policy.

And, of course use a CIBA, we will are able to compare multiple quotes. This is a great way to see how much coverage you can get for your money and gives you the means to negotiate your rates.

See how much you could save today on your life insurance. Get your free life insurance quotes today!

What Lessons Have You Learned From The Current Economic Situation?

This is an interesting question I've been asked and thought I'd ask you and see "What lessons you have learned from the current economic situation?"

What changes have you made to your lifestyle and habits, etc and do you feel these changes will be permanent?

What changes did you make in preparation for the economic downturn and did it make dealing with the situation easier OR harder?

And if you say investing in "Taking Control of Your Money" made things easier that's OK but let me know exactly how it helped.

But I really want you to share your experience and whatever you think will be helpful to others!

So Click on COMMENT below and let me know what you have learned

How to Save on Car Insurance

The best way to start saving money on a new policy for your car is to get your free quotes from CIBA.

But once you have those quotes in hand, you also need to understand what can increase and decrease your monthly premium.

It All Starts with Your Car

A large part of that premium depends on the type of car you drive. Is it an expensive sports car? Or maybe it’s the type of car that tends to get stolen often. Either way, your premium may be higher due to one of those situations.

Since you probably won’t be going out and buying a new car just to lower your premium, it’s good to know what else can affect the costs of a new policy.

Other Ways to Save Money

The amount of coverage is another big factor in determining your premium. And you only have 3 options:
Comprehensive
Third Party, Fire & Thief
Third Party Only
With each your premium is lower but so is your exposure so be sure you fully understand the coverage you are getting.

See how much you could save today on your car insurance. Get your free auto insurance quotes today!

Getting Affordable Homeowners Insurance

Getting an affordable policy for your house requires that you not only understand what goes into a homeowners policy, but that you also understand the value of your own house and what you need to cover your house.

How Much Is Your House Worth?

If you’re a new homeowner, you probably think the amount you paid for the house is the amount you should get covered for. But there are more factors to consider when it comes to a homeowners policy. CIBA can help you understand the difference between the actual cash value of your house and the replacement cost. Want a hint?

Actual cash value factors depreciation into the value of your house, while replacement cost covers the cost of repairing and/or replacing damaged parts of your house, which can be more than the depreciated value.

You also need to consider the other property you own in your house, such as furniture, appliances, clothing, and more.

What Are the Risk Factors of Your House?

The type of coverage you need also affects the affordability of your homeowners policy. CIBA can help you find out what is commonly covered by a policy, and what you may need to get as additional coverage.

Do you live in an area prone to flooding? Then you will need additional coverage. Do you have an old roof that could cause leaks and water damage? That could increase your premium.

Can You Get Discounts?

Yes, you can, and CIBA can give you information on what those discounts might be. Read about possible discounts for alarm systems and upgrading other safety features in your house. When you need free quotes and the information for finding a truly affordable homeowners policy, turn to CIBA.

See how much you could save today on your home insurance. Get your free home insurance quotes today! Click Here

Do You Believe That You Can Be Financially Independent?

If you know that you could be financially independent by this time next year, would you do anything at all to make it happen?

But the real question maybe "Do you really know what financial independence is for you?"

Or are you allowing yourself to be distracted by the reality of just living day to day and paying bills? Are you too busy thinking about paying the mortgage or how you are going to pay for your child's school fees?

Say what - Financial Independence - what's that?

I am so glad you asked, because if you don't know what financial independence is, or what it means, or how much money it would take to reach it, then how could you ever believe it could happen?

Where would you even start, or why would you start?

I understand. I really, really do. With things the way they are now, you don't want to think of anything other than the challenges of today as that in itself is overwhelming enough.

Really, what's the point of looking further until you have figured out how to make today's money work for today?

What if everything you needed to make today and tomorrow work were right there in your 'hand' and all you had to do was make them work for you?

And if you are having difficulty even believe it's possible to change your
situation, now is a good to step back and ask yourself WHY?

It may just be that you have lost hope!

You may have tried all sorts of strategies and 'sure things' that have turned up empty handed. You have told your family and friends of your plans many times, and you are afraid of looking foolish one more time.

So you have retreated to your safe and familiar place - a nice, safe, secure job - someplace where as long as you show up and do your work, you'll be paid. And, if you stay long enough, and discipline yourself to be patient, and put aside some money, and don't over spend, you'll be able to wait it out and eventually leave the job and start living your life.

But is this really the way you want to live your life?

You have probably had a hard time just surviving that the idea of financial freedom
now seem so distant that even if it was possible; you couldn't imagine
where the time - energy and money would come from to make anything
different happen.

You are probably exhausted, and even the thought of one more thing makes you want to cry.

What's the point? You've tried it all before and you just got further and further
behind and have given up what feels like your whole life and all your money and
all your time for nothing - or at least that's how it feels.

I know how you feel but I also want you to believe that you can start changing your situation - Today!

And you don't really have to totally believe - you just have to start with a
little bit of hope. And if you have hope, then you can begin to do something to
make a difference.

And with hope we can work together to make it happen for you.

What's the worst that can happen, really? You might end up further ahead than
you are now? You might learn some things? You might actually change your life?

So, if you are prepared to make at least one small step, and implement it consistently, I assure you that you will see the results you are looking for more quickly than you ever thought possible.

Here is what you need to do Click Here and Complete The Form.

Now you're going to be thinking, okay here he goes - he's going to sell me
something - maybe a business or investment or other get rich quick program -
well, I'm not.

I'm trying to sell you on you - I'm trying to re-sell you on yourself. I want you
to know that regardless of where you are today, the situation is only hopeless, or
static, or unrealistic if you choose to make it that way.

If you're truly sick and tired of being sick and tired then let's get moving.

Here is what you need to do Click Here and Complete The Form.

Do You Know The Difference Between Investing & Savings?

No matter your age you need to ensure that you are saving and investing your money if you are going to achieve financial independence. But do you know the difference between the two? If you you're not sure just keep reading and you'll soon find out.

While the terms saving and investing are often used interchangeably, they are distinctly different and usually serve different purposes.

Saving is short-term— within a five-year period and usually with a specific goal or purchase in mind. With saving, your returns on the money set aside is minimal because of the short term nature of the instruments used, ie bank accounts or certificate of deposits.

Investing, however, refers to long-term— greater than five to ten years with the goal of a greater return on your dollars.

The objective of investing is to yield a return on your money over the long-term. With investing, you allocate part of your savings to purchase financial instruments such as individual stocks and bonds or stocks and bonds mutual funds. Over the long term, stock-related investments have demonstrated their ability to outpace inflation.

Inherently, risks come with investing, which means you can expect to see a decline in your portfolio value from time to time, as was clearly indicated over this past year. So, risk is the uncertainty associated with the expected financial gains. And your age, time horizon, risk tolerance and financial goals help determine the ratio of stocks to bonds and cash as you design and build your investment portfolio.

One way to reduce your risk is to keep contributing to your investment on regular basis. This is know as dollar cost averaging - you are allocating a designated dollar amounts on a strict, periodic schedule.

As a rule of thumb you should be setting aside at least 20 % of your income for savings and investing. My suggestion is that you place 5% on savings and 15% in investment.

The Secrets That No One Is Telling You About Retirement

While you are racing toward the inevitable here is a little secret about retirement that no one is telling you about. No, they don't mean to keep it a secret the fact is most persons don't really know. So here is what you should know about retirement that no one is telling- Retirement Ain't What it Used To Be!

Historically, retirement planning was based on a three-legged stool model approach. So our parents had the expectation and could comfortably retire with a company pension, Social Security benefits and their individual investments. But that retirement model has changed and you can no longer rely on company pension. Not only can you not rely on a company's pension plan but your anticipated National Insurance benefit is now in doubt as current funding method is being forecast to drain the available resources by 2029.

All of this uncertainty means that you will have to take responsibility for your own retirement and you must move quickly because time is running out - So you've got to start planning your retirement now!

While money is not the only consideration, the sooner you begin regular contributions to your retirement plan, the more manageable it will be to fund it with a portion of your income.

Consider the following age guidelines and contribution rates:

• Starting at age 25— invest 10-15% of your income until retirement.
• Starting at age 35— the contribution rate needs to be 15-20% of income until retirement.
• Starting at age 50— requires approximately 50% of income contributed to an investment plan in order to maintain a desirable standard of living.

So what should you do?

1. Join Your Company's Pension Plan. If there is a plan at work join it as soon as possible. Your savings dollars should first go to your company's pension plan up to the company match, if there is one. Most employers provide some level of match, based on the employee’s contribution amount.
2. Get an Individual Retirement Account (IRA). After funding your company plan up to the company matching contribution, then consider adding addition voluntary contribution to the plan based on your age or start an IRA. Your devision will be based on which plan is providing the better rate of returns.
3. Start Investing. Get information on other investments and invest. You may want to consider government treasury bills, mutual funds or certificates of deposit.
4. Get help. Just as you would not leave your health to change you should not leave your retirement to chance either. “Strategies for Achieving a Comfortable Retirement- Yours” is a useful resource to get you started.

Here are a few more secrets that they are not telling you – if Bahamian continue to plan for retirement at their current rate:

1. 95% of Bahamians will retire not being able to afford their retirement after working for at least 40 years.
2. 67% will have to continue working
3. An increasing numbers of retirees are now dependent on their families, government of charity for support.

Now that you know the secrets, use them to your advantage and you'd have a comfortable retirement!

Got a question about retirement issues you're facing - any question at all.
Just Ask Glenn!

What Michael Reminds Me of

You can’t turn on your radio or television without hearing about the king of pop, Michael Jackson who died much too young last week.

And Despite Michael's remarkable talent and contribution to the world of music and dance most of the news surrounding his death seem to be focusing on his financial life.

But what Michael reminds me of is how little money really matters in the end.

Even with all of Michael's success and money - Almost One Billion dollars in earnings - it could not buy him what he seemed to have wanted and needed most - acceptance, love and happiness.

Michael is a reminder that no matter how much money you have it cannot:

1. Heal a broken heart.
2. Protect or make you feel safe.
3. Make you feel good about yourself.
4. Make you feel whole and beautiful.
5. Give you a sense of self or self-acceptance.
6. Heal the pain you hold or the loneliness you feel.

So I encourage you to took a few moment to reflect on and honor just how much joy, beauty and music Michael brought into our lives in spite of his pain and use the energy and messages he shared to deepen your relationships and enjoy the short life you have - despite what you may not have!

Michael also reminded me of the "Lessons From Anna Nicole" you should give it a read.

Do You Have The Power To Change Your Destiny?

Do You Have The Power To Change Your Destiny?

I have a prediction for you. Would you like to hear it?

I predict that THIS is the year of your Financial breakthrough! Isn't that great news?

Even better, the first half of this year is over ... and that means your breakthrough for 2009 is just right around the corner!

But, you need to decide to do some things differently or the next six months is going to look alot like the last...

When you purchase your copy of "Taking Control of Your Money" ebook, you are taking the first steps toward creating your successful financial future.

In these next six months, you can witness the start of your journey to financial freedom or, you can continue along the same path of the last six months. It's really up to you.

"Taking Control of Your Money" gives you the tools and insight you'll need to finally begin creating the successful financial future you deserve. So don't let this opportunity pass you by ...

Decide today to make your next six months a thriving period of explosive growth in your financial life! Get the ebook ... and when you do, I predict a very bright future.

4 Things You Can Do To Check Your Financial Health

What if I tell you that an hour spent today giving your finances a checkup might be the best financial decision you can make and that it can pay you dividends for a life time.

You may have been reminded to get your physical checkup but when was the last time that anyone reminded you about the importance of an annual personal finance checkup?

Well that is my role and now that we are halfway through the year, it’s a good time to get it done. So here are four things you can do.

1. Check Your Savings

Do you have at least three to six months of your living expense saved in an account that is easily accessible to you? I understand that things maybe a little tight but nothing is more important than having peace of mind account. So if you are not there yet start putting as much effort into getting there as soon as possible. And making your saving automatic by salary deduction may be the way to go.

Trust me this will be one of best decision you can make.

2. Get Organized

Having your finances properly organized is one of the most overlooked and underrated keys to getting the most from your money.

Do you have any idea how much money you’re spending on specific items during the month? If not, you should. I assure you take a look at your spending that there will be some surprises that will make you want to change a few things.

So go ahead and

1. Create a spending plan, and use it to track exactly where your money is going.
2. Create a secure location for all your vital documents. This will make it easy for you to access this important information in the event of an emergency.

3. Check Your Investments

When you go to the doctor for a checkup, certain things are more painful than others. Your investment maybe one of those thing. I have lost more than 23% of my BISX's holding this year alone! So, this investing checkup will hurt … but you must do it!

1. When was the last time that you checked your brokerage statement?
2. Do you know how much money they have lost? Check your statement now.
3. Do you know what you paying your brokerage house each month or quarter?

4. Check Your Estate Planning

If the statistic were known you would be shocked at the number of Bahamians that do not have a will.

If you don't have a will I suggest that you get one as soon as possible or the government will be deciding how your hard-earned assets are distributed when you pass away.

If you do have a will and have had any major life changes in the past year, such as a death in the family, divorce, birth of a child, grandchild, inheritance, major sickness, etc., then it’s time to update your will.

Even if you haven’t experienced a major life change, it’s a good idea to review your will every few years to be sure your beneficiary designations on Life insurance and accounts accurately reflect your current wishes.

So go ahead and see how healthy your finances are!

Are You Ready For A Fire?

It was unfortunate to hear of the 77 year old man that died earlier in the week as a fire at the home he shared with his wife of 53 years. The gallant lady was able to
pull three of her grandchildren from the burning house but not able to help her bed ridden husband as smoke overwhelmed her. Not only did this dear lady lost her husband but all of her possession.

While there is no way to replace a life there are a few precautions that may have changed the out come. So, here are three things you can do to be ready in the event of a fire.

1. Install A Smoke Detector. This little device could be a life saver as it will alert you early to the presence of smoke. And you know where there is smoke there is usually fire.
2. Replace The Batteries In Your Smoke Detector. If you got a smoke detector be sure to replace the batteries. A rule of thumb is to replace the batteries at the same time you change your clocks - switching from daylight to eastern standard time.
3. Get A Fire Extinguisher. Your ability to take action is greatly enhanced if you have a fire extinguisher. So get yourself at least one and put it in an easily accessible place, usually the kitchen.

And how do you recover from a fire if all else?

The answer is Home Owners Insurance. Whether it's to repair damages or replace what you've lost. Your ability to recover from any disasters is heavily dependent on your insurance coverage. But you have got to avoid these mistakes.

1. Not Insuring Your Home. Your house is your home and castle and the largest investment you may ever make - the least you can do is to insure it.
2. Under Insuring Your Home. One of the most common mistake homeowners make with their homeowners insurance is to undervalue their home and possessions. It is estimated that 70 percent of homes in the Bahamas are under insured. Many people do not insure their home to its full replacement cost. The full replacement cost is how much it would cost to rebuild the house on the land it sits on now — not the value for which you could sell your house today. It is also not the amount you current owe the bank.
3. Not Insuring Your Content. If you experience any loss to items inside of your home they are not covered by the building insurance. This is why it's very important to insure your contents and to keep an up-to-date home inventory list so that you can adjust your coverage to protect these items as needed.

So take the time to prepare by checking with your insurance carrier or agent now rather than later and make sure you have adequate coverage for your personal situation, and that your home and content are adequately protected.

Traverus Travel

Have you ever dreamed of starting your own online global business? How would like the opportunity to create the amount of income you desire? And the chance to present others with the same unique opportunity? Then Traverus Travel may be the business you have been looking for.

Travel is a $7 trillion dollar worldwide industry, because everyone loves to travel. And you could be booking travel for others as a certified travel agent, from the comfort of your home.

That’s right, TraVerus will get you the training you need to become certified, and ongoing training to learn how you can book travel with any of the top travel vendors like Carnival, Marriott, Royal Caribbean, Disney and many more.

As a certified travel agent with TraVerus, you will be earning commissions of 75% or higher, on all the travel booked directly through the vendors, and your travel booking website.

Advertise all the great travel packages offered through TraVerus Travel. Invite your family, your friends and neighbors to check out your personalized travel booking website, which comes complete with one of the best travel portals for booking these dream vacations.

You will also have the opportunity to build your own team of TraVerus travel agents, help train others to start their own travel business, and be rewarded for your efforts.

I’d love you to become a part of our TraVerus team. Click Here and let get all the information you need on how you can get started with TraVerus

Winners quit all of the time

You hear it all the time that "Winners Never Quit" but do you know that Winners quit all of the time?

They quit doing the things that don't work so they can focus on what does.

And this is what I am asking you to do beginning NOW so that we can restore decency and sanity to our communities.

Since writing "Your Attitude Must Change..." I realize now that its going to take a lot more action and why I'm asking you to quit being passive and indifferent to these grossly offensive indecent and immoral happenings and become involved in your own way to rid ourselves of this scourge.

You must begin to be outraged and let that outrage show so that the authorities will know that we will not continue to accept the flaws that are so prevalent in our courts and legal system.

So this week let's quit ringing our hands and realize that together we can make a difference!

Wishing You Health & Wealth!

Financial Planning - 5 Ways To Face A Job Loss

Anger is a prelude to courage. - Eric Hoffer

I am sorry to be the bearer of bad new but it is nothing you don't know already.

But there will be more job loses! As a result of the current economic downturn and so the best thing you can do is be prepared. which is why your financial planning is critical.

So what do you do if you happen to be one of those person who gets the pink slip?

I know the shaking as your head reels from the shock and knot of fear in the pit of your stomach as you try to understand what just happened - I've been there, twice!

And I can assure you it is not a good feeling as you try in that moment to figure out what to do next.

The first thing I'd like for you to do is simply take a deep breath and realize that it is not the end of the world. Yes, it is a tough feeling but breath again, you still have life and with life there is always hope!

Secondly, don't allow your feeling to paralyze you. This can happen quite easily and subtly so don't spend to much time thinking about yourself. Someone said the best way to get over this feeling is to go out and find someone that you can help.

You will find that once the focus is off you then your prospective of what's going will change.

Thirdly, its a good time to do the financial planning you never got arount to and take control of your money to ensure that you are able to survive this crisis. And here are 7 financial planning things that can help. Financial Planning - 5 Ways To Face A Job Loss

Financial Planning - 6 timeless money tips to help you

"The same mind that created the problem cannot solve the problem."- Albert Einstein

It is my hope that you enjoyed your Mother’s Day this past weekend. And as much as you didn’t like to be corrected when you were growing up, good ol’ Mom was almost always right in teaching us the basics. Because today you would agree that some of her advice has proven timeless. Basics are important with money, too!

And while you may often have your financial planning at the bottom of your priority list, no fault of yours as the brain makes you undervalue long-term goals and amplify the cost of short-term sacrifice. It is not surprising then that people who do even a little financial planning have twice the savings of those who did not. So here are 6 timeless money tips to help you improve your financial situation.

1. Just do It! Nike has made this line popular but it really captures the essence of financial planning. You will be pleasantly surprised by what you achieve by just doing something. So the first thing you can do is set for yourself concrete, attainable financial goals. By simply deciding to pay an extra $100 a month on my credit card will over time substantially reduce your debt.
2. Share your commitment. Tell someone your plan and ask them to help you stick to your goal. Accountability can be a powerful force.
3. Watch your spending. It is really amazing how you think about savings. A recent study of how consumers think about saving showed that most people confuse discounts or sale on merchandise with saving actual money. If you did not plan to buy the item in the first place and you bought it, you did not save a penny even if it was 50% off- You just spent 50 % more than you needed too. “Taking Control of Your Money” workbook is a useful tool to help you with spending.
4. Hold on to your savings! Instead, focus on holding on to your savings. Whenever, you make a purchase of an item that you intended to buy at a lower price then hold on to that savings by putting that money into your saving account.
5. Discipline yourself to avoid spending! Self-control can be difficult but, if you organize yourself to avoid those temptation that causes you to spend, you will have much greater success at holding on to more of your hard earned money. So be sure not to go in the direction of the Web Cafe's today! I know that is a hard one because they are every where but try.
6. Forget the Jones'! It easy to be influenced by other into making buying decisions. But don't allow your self to fall prey to social pressures or even commercial marketing influences.

You will find that by making these little changes to your money management habit will go a long way in helping you to take control of your money.

"It takes as much energy to wish as it does to plan," once said, Eleanor Roosevelt

Copyright 2009 - Glenn S. Ferguson

Rescue Your Retirement- FREE REPORT!

No matter how close or far away you are from retirement - you need to take action now...RIGHT AWAY... It’s not too late to act!

And I'm offering Help for your retirement - and I am talking about FREE help - is just a mouse-click away

HERE’S YOUR FREE REPORT

Because my Retirement Revolution is all about freedom — freedom from money worries — freedom to retire in the ease and comfort you deserve, I want you to have this valuable information right now FOR FREE!

Why You Need To Learn

Are you concerned about your Retirement. Really Concern…concern enough to do something about it? Ask yourself this: Who else is looking after your Retirement?

If not you, then who? If not now, when?

You know who's responsible for your Retirement? You are, my friend…you, and nobody else. If now isn't the time to take control of your Retirement…when will you? Let Glenn inspire you and empower you to take control…

Glenn declare a revolution… The Retirement Revolution!

What can you learn from Glenn

Glenn is a nationally renowned Financial & Retirement specialist for good reason. Glenn have been educating people about money for over 7 years - helping them create a better future for themselves and their families.

Whether the subject is saving or spending, investing or retirement, Glenn is famous for his no-nonsense, tell-it-like-it-is, easy-to-understand answers to real life questions about real money problems.

NEVER has his wisdom been more needed than it is today!

...And NOW he can teach YOU About Rescuing your Retirement !

RESCUE YOUR RETIREMENT- FREE REPORT

Retirement Planning – Your Attitudes Must Change

“And it is that that we must commit ourselves to change!”- Rt. Hon Prime Minister Hubert Ingraham

It is not often that I am moved by what is said in parliament but this past week provided me with one of those rear moments. A moment so profound that I had to share it with you - And it may surprise you that the comments were not about finance.

Not only were the words gripping but the passion with which they were delivered.

“How is it that a 62 year old man can go to court in The Bahamas on April 15, admit to having engaged in sexual intercourse with a five year old and be convicted and sentenced to 3 years in prison? Where is the outrage? Where is the outrage that our country has one of the highest rates of rape in our Hemisphere?” Those were the words of Rt. Hon. Prime Minister Hubert Ingraham.

I am sure you will agree that those words provokes the need for some serious soul searching. And as the Prime Minister said “we must commit ourselves to change!”

As this passiveness will only continue to erode the moral fiber of our communities and eventually destroy the residual tranquility that is quickly being affected by the other social ill that we have encouraged with the same deaf ear and blinded eyes.

It is up to you to decide and commit to take personal responsibility for what happening in and around your community. I am sure you may feel a sense of helplessness but you would be surprise at the power that resides within you to effectively change what happening around you. For there is no force on earth that is more powerful than a made up mind and no one can do what you can do if you have it!

“The reality is that the Government is only one part of the issue; there are many other parts.” quoting the Prime Minister again. But you will find that the most important part is you!

Another critical area where there is considerable complacency and passiveness is Retirement planning.

Today more than eighty percent of Bahamians have done nothing towards planning for their retirement years. Resulting in an increasing number of Bahamians having to depend on the government, charity or family for support. A position that will certainly be unsustainable as you retire.

Therefore, planning for your retirement is important. This is why you can not afford to leave your planning for retirement until you're retiring!

Many retirees regret not having planned their retirement better and according to some analysts-
"satisfaction in retirement is remarkably greater when you can plan for your retirement."

And the longer you have to plan your retirement, the higher will be the satisfaction and happiness of your retirement. Successful retirement doesn't just happen without being prepared and intentional about your planning.

As you will probably spend about one third of your life in retirement. You will need to be proactive in the way you confront and deal with real life issues. There is much more to retirement than having a financial plan.

Other than financial needs, developing a holistic retirement plan will mean you need to consider and deal with a range of issues. These include:

1. Health issues
2. Legal issues
3. Relationship issues
4. How to make productive use of time
5. Apprehensions & Fear about aging
6. Life Purpose issues
7. Life Balance
8. Relocation issues & Housing issues
10. Legal issues; and
11. Safety issues

Your retirement is your responsibility. Nobody else is going to do it for you. You are solely responsible! I believe that doing the proper retirement planning today will improve the quality of your life now and into the future. And if need help the workbook “ Strategies for Achieving A Comfortable Retirement-Yours” or its coaching program is a good tool to get you started.

So start now to plan how you would like those years to be and don’t let someone else decide how you live your golden years!

"Success is nothing more than a few simple disciplines, practiced every day; while failure is simply a few errors in judgment, repeated every day.”

Copyright 2009 - Glenn S. Ferguson- Financialcoachingwithglenn.com

So You Want To Be A Millionaire 5 Steps To Ensure Your Millionaire Status!

“No Matter What, Remember to always share with those around you!” - Glenn

A millionaire is an individual who resides in a household whose net worth or wealth exceeds one million units of any currency.

1. Net worth is your total assets minus your total liabilities. What you own minus what you owe
2. Wealth refers to the value of assets owned minus the value of liabilities owed at a point in time.

It may surprise you but you are actually a Millionaire in the making:

1. The average Bahamian earns an income is $23,848 per year. After working an average of 40 years that totals some $953,920.00
2. The Average Bahamian Hotel Worker earns an income of $26,000.00 a year, totaling $1,040,000.00 over their working life.

So the real question is not whether you will be a millionaire because you are but will you use your earning to create wealth or simple give it away?

Will you chose debt or wealth?

As you cannot consume your money and create wealth at the same time. Nor can you service debt and build wealth at the same time.

By simply financing your current lifestyle with debt you are giving up the opportunity for a secure financial future.

Here is a test to see how well you are doing in building wealth.

Multiply your age by your current income then Divide by 10 the result is the estimated net worth you should have for your age and income.

If you are age 35 with an income of $40,000 your net worth would be 35 x $40,000.00 = $1,400,000.00 - $1,400,000.00/10 = $140,000.00.

It is also important to note that wealth takes time and the length of time is more important than the amount of money. Most Millionaires have been investing for 30 years.

Time is important because it allows you to take advantage of one the most powerful financial force – compound interest!

Step 1- Define Your Life Goals

Eight Ways To Protect Yourself Against The Swine Flu

As the World Health Organization raised its pandemic alert level to phase four on a six-point scale, indicating that it believes the likelihood of a pandemic, or worldwide epidemic resulting from the Swine Flu. Here are the best ways the U.S. Centers for Disease Control and Prevention says to protect yourself against this or any infectious diseases.

1. Wash your hands frequently with soap and warm water for 15 to 20 seconds or use an alcohol-based hand sanitizer if water isn't accessible.

2. Cover your coughs and sneezes with your hand or handkerchief.

3. Stay home from work or school if you feel ill.

4. Avoiding touching your eyes, nose and mouth to prevent the spread of germs.

5. Parents should seek urgent medical care if your children aren't waking up or interacting, have fast breathing or trouble breathing, fever with a rash, are too irritable to be held or whose skin color appears bluish.

6. Children who aren't drinking enough fluids or whose flu-like symptoms improve but then come back with a fever and a worse cough also require urgent medical attention.

7. You should seek immediate medical attention if you have difficulty breathing or shortness of breath, pain or pressure in the chest or abdomen, sudden dizziness, confusion or severe or persistent vomiting.

8. If you become sick, stay home for the period of infection, which is typically seven days, although children may be contagious for longer. Don't return to work or school until at least a day after symptoms disappears.

9. Avoid nonessential travel to the countries that pose the greater threats i.e. Mexico and U.S.

Taking Control of Your Money

You work hard for your money--really hard!

And every month you hope to start saving some of it. But life happen, things comes up.

You dream of having enough money to have the things you really love and to have fun too. But you worry that living below your means will destine you to poverty and never having what you want.

In this ebook, Glenn puts that myth to rest. With the right strategies and commitment you can pay your bills, prepare for the future and live the life you love -- all NOW!

Glenn has a gift for taking the fear out of money matters with his trademark warmth, simple and engaging style. In "Taking Control of Your Money" he hands you the tools, skills and motivation you need to reduce the cost in every spending area without sacrificing joy and quality of life.

Aimed specifically for people who are tired of working hard to just get by, this user-friendly guide offers the specific techniques, resources, and motivation you need to keep more of your hard earned money every month so you can save, give, and finally start making financial progress!

So isn't it about time for you to get started taking control of your money?

This might not be the only money book you'll ever need, but it's the book you need now!

Get Your Copy Today!

Why Plan For Retirement?

If you’re like me you don’t want to work for the rest of your life. You’re probably looking forward to the day when you can retire and spend more time doing the things you enjoy.

Surprisingly, that time will come much sooner than you think. To be ready for it, you need a plan. You need to save. You need to invest. And you need to start now.

Planning, saving and investing for your retirement will help you to achieve financial independence during retirement. I’m sure you don’t want to lower your standard of living when you retire. In fact, you may want to increase it by traveling more and enjoy other leisure activities.

To do that, you will need money and your pension and National Insurance benefits will cover only a portion of this amount. The rest will have to come from what you do on your own – from how much you save and how you invest.

That’s why it so important for your to start planning now. And “Strategies For Achieving A Comfortable Retirement - Your!" Workbook is a tremendous resource.

This comprehensive educational workbook will help you get answers to important questions about retirement as well as provides you with tools to create your own personalized retirement plan.

Get Your Copy Today email glenn@financialcoachingwithglenn.com

Financial Planning 4 Simple Steps to Getting Out of Your Credit Card Madness

"The smallest good deed is better than the grandest good intention" – Duguet

This quotation reminded me of a letter I received recently. It read:

"Dear Glenn, I need your help! I have ended up with credit cards debts that I can't seem to pay off. I've been sending the "minimum payment" on the cards most months but they are usually late because of my other bills. I don't use the cards now except for emergency situations but they don't seem to be going down. I feel like I'm throwing my money away. Desperately need help."

Unfortunately, Vanria is not alone in her financial plight. Credit card debt is a common problem not only in The Bahamas but worldwide. The good news is that with an organised approach and some determination, you can get rid of it.

Here are the four simple steps I shared with Vanria and I'm sure it will work for you as well:
To Read More Go Here Getting Out of Your Credit Card Madness

Happy Earth Day!

Today, people around the world are celebrating Earth Day. What are doing to celebrate?

I am celebrating by looking at all the ways that you can go green. The truth is that “going green” can really save you some money!

It is possible to save 16% on your water bill…Cut your electricity cost anywhere from 5% to 25%...and even reduce your grocery bill…all by going green!

So Going Green Will Not Only Help The Planet But Will Also Have a positive impact on your bank account.

Financial Planning- Playing The Numbers Game

"Don't judge each day by the harvest you reap, but by the seeds you plant."- Robert Louis Stevenson

I read with interest an article recently that seek to encourage the legalizing of “the numbers game.” While the writer made his case these lines makes another case “I am beginning to think, however, that this number is never going to fall, but whenever it does, rest assured that I shall recoup some of what I have already invested in it”

Not withstanding the excitement of the game or the fact that persons especially the number house operators have benefited. The truth is you have a better chance of drowning in your own bathtub or being struck by lightening than ever getting the money back that you have spent on playing numbers.

Playing the numbers game goes against the tenants of my view on investing that is “the key to making money is not to lose it!” Whenever an investment loses money then it is not a good investment.

So the question you must always ask yourself is “what are the ways that I can lose money with this investment?” You are not ready to invest until you are able to answer this question.

You should only focus on investments that guarantee the return of your money first. Once your money is secure then you should consider the returns on your investment.

You may not know but there is a much better numbers game that you can use to dramatically increase your financial position. It is far less visible, but far more powerful than the numbers game you may be accustom to. It is compounding.

Albert Einstein described compounding as “the eight wonder of the world” and you can easily put this force to work for you.

To Read More Go Here Playing The Numbers Game

Financial Planning- Take Control Of Your Money!

"You need to make a commitment, and once you make it, then life will give you some answers." - Les Brown

You don’t have to live pay cheque to pay cheque! You can get rid of your financial stress by simply taking control of your money! You’ll breathe easier and sleep better once you are financially prepared for the possibilities of a job loss, disability, illness, hospitalization or death and your own retirement.

What would it be like for you to Debt-Free? To be able to go to the post at the end of the month and not be afraid of the bills that are waiting for you! Not having to worry about where you will find money to pay your electrical bill or your child’s school fees.

This could be your reality if you’d just decide today to take control of your money. Most people feel that financial freedom is something mystical and that it is alright to be stressed out by your finances but don’t you think it would be so much better if you didn’t have to worry about money?

Wouldn’t it be great if you were able to keep more of your hard earned money for you and not feel that being without money is normal? It certainly cannot be normal to be without money if it's the one thing most people are concerned about.

So why don’t you decide that you’re not going to take it anymore, you are not going to be a part of the crowd who don’t have money but instead you’re going to be one of the persons’ who don’t have to worry about money. Why don’t you decide that today will be the last broke day you have!

To Read More Click Here Taking Control of Your Money

Financial Planning- The One Thing You Can Do Today To Improve Your Sex Life And Get 10 Other Benefits!

"Love has nothing to do with what you are expecting to get–only with what you are expecting to give–which is everything." - Anonymous

While you may have heard that the number one problem in marriages is the lack of communication. I believe that this is only a symptom of a deeper relational problem - Selfishness.

Selfishness is simply “seeking one’s own advantage, pleasure, or well-being without regard for others.”

And all of us struggles with selfishness. You want what you want when you want it. Think about it. You don’t have to teach a young child how to say “gimme, gimme” when they see something like a toy they want that someone else has. It almost seem as if it something you are born with.

And as you get older that just does not change even following you into your relationships and eventually marriage. With the result being that you rarely focusing on enriching others which is why one in five marriages end in divorce.

To Read More Go Here Improve Your Sex

Financial Planning - Money, It Could Be The Real Cause of The Stress In Your Marriage!

I am realizing more and more that money is stressing more marriages than anything else and the research that I have read confirms this. One of Five marriage in The Bahamas ends in divorce and the overwhelming reasons is money!

I am sure you may be thinking that its the sex, your children or even your nosy mother in law but when you really look at it – it could be your money that is causing the real stress in your marriage!

So,

1. How do you ensure that money is not adversely affecting your marriage?
2. How do you avoid money becoming the source of arguments, frustrations and division in marriages?

Usually , frustrations about money are only a symptom of a larger problem in your relationship-because how you use your money is usually a reflection of what is going on in your heart. And when you don't trust your spouse with how they are using money then clearly the hearts are beating to separate drums.

To Read Click Here Money It Could Be The Real Cause of Stress

Life Insurance- What's Right For You?

Once you know the amount of coverage you need, then you have to determine which type is best for you. If you are looking for the insurance investment that provide the greatest benefits then you should consider a Whole Life insurance policy.

A Whole Life insurance policy provides you with both an insurance component and savings component called cash values; which means you have life insurance protection in the event of your death and accumulates cash over time should you live.

You pay one premium for the total insurance policy, with part of the premium used to pay for the insurance coverage and the remaining part of the premium used toward your investment savings. This savings portion of the policy is invested in one or more investment vehicles (mortgages, stocks, bonds, mutual funds, etc.) that the insurance company select and the investments chosen will generally provide a better rate of return than you would get from a bank’s savings account and the cash value of your policy can usually be accessed if you need money.

To Read More Go To Life Insurance- What's Right For You?

Life Insurance…A Tool You Should Have!

When you thinks of a tool you do not usually think of insurance but insurance is a tool! The Oxford School Dictionary defines a Tool, as “an object that helps you do a particular job.”

This is exactly what insurance is; it is a tool that allows you to provide the vital protection needed for you, your family, and your property in the event of a natural disaster, accident, illness or death. But only if you have the right type and amount and so it is with all tools, to get the job done you must have the right tool!

So do you have the right tool?
1. Do you have adequate and appropriate Life insurance coverage?
2. Do you have adequate health insurance coverage?
3. Do you have adequate homeowners insurance coverage?
4. Is disability insurance important to you?
5. Is content insurance important to you?

And you should have a tool chest, which is your financial plan!

As you can see there are various types of insurance that you should include in your Tool Chest, one of which is Life Insurance.

Life insurance plays an important role at every phase of life, whether it is “getting married,” “having a child,” “buying a home,” “retirement” or even “death.”

Life Insurance is a valuable tool that helps to preserve your financial stability after the loss of a loved one. Simple put it provides you with income when you need it most!

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