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.

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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!