I just ran across this article today and I find it very interesting how everywhere I go people are talking about mindset and choices. More people are becoming aware of conditions and are more susceptible to changes influenced by outside forces.
Why we dance around the money situation at hand You can look at this in another perspective, why do we dance around the subject of finance, financial stabilization, security, why because it's uncomfortable for the masses. Many people are challenged and distraught about their current state of affairs. Constantly complaining about their situation at hand,yet instead of doing......
Word to live by from buy land and wait As the famous Warren Buffet would say I only have two main principles when it comes to money and investing. Rule number 1: Don't lose any money Rule number 2: Remember rule number 1 Watch this short video then read on Even in these turbulent times of market volatility, extreme......
What's the disadvantage of a refinanced mortgage when performing a loan modification The most differentiating factor between purchase money and refinance money is the legal recourse that the institutional lending agencies have against you. You see when you make the original purchase loan for your piece of real estate your agreeing that if you default that you are not liable. The money......
Should Mom Live for Today or Tomorrow? After a call from his mother the disheartening feeling of hard work and wishes expressed were for not. When Mom said she was reworking her Mother's will the feeling of frustration set in. Knowing that he had put in so much effort to carry out his Grandmothers wishes for her......
Your Money Ratios I recently read Your Money Ratios, 8 Simple Tools for Financial Security, by Charles Farrell. The Disclaimer I was asked to review this book in exchange for a copy, and chance to give a copy to one of my readers. This didn't influence my thoughts on this book which are......
Secret of Grounding Remaining grounded, sort of like an electrical circuit. It’s a very broad topic. Every world tradition has spoken of it and its necessity in one form or another. Honestly if you aren't pursuing "spiritual practices", there is a tendency in life to get scattered. To get seriously out of touch......
Responsible Credit Score Strategies for Young Adults You Can Improve Your Credit Score and Build Wealth Yes - you read that title correctly. Mr. ToughMoneyLove is going to discuss credit score strategies. Why? As I continue my tough love campaign against credit score obsession, I have to acknowledge that it is unlikely that readers will choose my path of......
Our money roots Cavemanus left a comment recently on my fear of looking poor post that got me thinking about my money roots. He said (in part), blunt, with all due respect, I get the impression that many of the things you expressed are things that you feel, subconsciously, or otherwise towards others.......
Sunday Money Madness - Go for Broke Welcome to the Go for Broke edition of Sunday Money Madness. The breakdown is once again by category for easy searching for weekend reading material. Tell us what you think! Save Money | Frugal Tips: Mighty Bargain Hunter answers a Reader question: Tips for newbie collectors. Looking to fill out......
I haven’t been posting regularly for the past week and a half, in fact the last article I wrote was posted about using social media to enhance your real estate business. Since that writing I did after attending that seminar I have had rapid changes come to me in the way of inspiration and action.
Here is the last article I wrote on using social media. All I know is between that day and the day I was asked a simple question of “Why”, I have been on a mission.
A mission that will take more than just myself to get it going. I decided that social media is more than just a tool that can be leveraged for gains in viewership as well as a quick way to start gaining momentum in presence of yourself and or your business.
I knew if done properly the concept of social media could be displayed by using it’s sheer power and ease of simplicity. I knew I could use it to make a massive shift in the direction and choices people make daily.
This shift would create enough of an interest and reason to give people the power to take control of a trend to leverage it and make huge positive impacts. This is why I am writing you today, I need you to help spread the word.
Over the next 72 hours I will be reshaping my blog then my website RyanWegman.com I will be releasing my message to the world and starting to spread it quickly.
Soon after I ensure everything functions I am opening up the door to a select few. Only those who are serious to make change as well as impact lives will qualify for a rare chance to have personal 1 on 1 coaching with myself and a guest panel of professionals who will take on the task of reshaping your financial future.
After my original goal is reached of my undisclosed number of initial participants I will be opening the door to affiliate and joint venture partners to accelerate the process of change and influence.
These affiliates are my secret weapon to gaining momentum. But I didn’t want to stop there, I have been able to gather some valuable training on the proper usage of social from a close friend of mine.
In essence we are going to launch two separate products, to two very different markets and then the twist which I have not dropped on him yet is we are going to share his principles of social media to leverage your experience and efforts and at he same time spread my message to his huge audience of listeners.
Did I mention he has a prior 20 years in Radio as a professional DJ? This guy really knows his stuff when it comes to media and the social effect it can have on the ears who fall up it to listen.
Remember the original story of the War of THE World by Orson Wells? The panic, chaos and fear it produced simply because many viewers missed the opening statement “This is only a story none of this is real; well that’s the gist of it any way.
Get ready to take life by the horns and start making the choices that are essential and necessary to change the direction you are going in life. Be on the watch for my new site design, check today then check tomorrow I know you are going to be pleasantly inspired. Go ahead and take the challenge today.
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Independance day; are we really free We sit amongst our family and friends celebrating our Nation's greatest achievement; our independence. This day celebrates freedom from the ties that bound us. Waiting in anticipation for the sun to go down and for the show to begin. We find ourselves making and playing fun activities as well......
Part 2 of the Ultimate IRA Report Here is the next portion of the Ultimate IRA Report var YAHOO = {\'Shortcuts\' : {}}; YAHOO.Shortcuts.hasSensitiveText = true; YAHOO.Shortcuts.sensitivityType = ["adult"]; YAHOO.Shortcuts.doUlt = false; YAHOO.Shortcuts.location = "us"; YAHOO.Shortcuts.document_id = 0; YAHOO.Shortcuts.document_type = ""; YAHOO.Shortcuts.document_title = "Real Estate IRAs: Secrets Revealed - Part Two"; YAHOO.Shortcuts.document_publish_date = ""; YAHOO.Shortcuts.document_author = "help@trustetc.com";......
Why we dance around the money situation at hand You can look at this in another perspective, why do we dance around the subject of finance, financial stabilization, security, why because it's uncomfortable for the masses. Many people are challenged and distraught about their current state of affairs. Constantly complaining about their situation at hand,yet instead of doing......
Continuing Down The Path To A Social Movement For Wealth And Abundance It wasn't too long ago when I started writing about social media and creating a movement, a paradigm shift in thought and actions of others. It hadn't dawned how predominate of a social movement is already underway. We see charities, acts for legislation and reform, green communities, niched social platforms.......
You can't tell people what to do I was watching the Bill Maher show last night and wow what an amazing delivery of realism and truth. You know when you catch certain conversations that lighten your spirit and open you eyes to a new idea or set of care values. So many people live jaded and......
Why it is Important to Be Social in Social Media Why it is Important to Be Social in Social Media By Kevin D. McNabb If you are like me, you have become fascinated with the popularity of social media and the diversity of its involvement into the mainstream of our lives. All you have to do for social proof is......
Tip'd: A New Financial Social Media/Bookmarking Site. There is a new kid on the social bookmarking circuit - Tip'd - and he is here to promote your finance articles to those willing to listen. We all use Reddit, Digg, and Stumble Upon, and I use PFBuzz quite a bit as well, and Tip'd looks like another......
6 Ways Social Media Can Help Your Websites Social media normally refers to a category of websites where content is created by the participation of the users of that website for the remaining community. In short, we can say that social media websites are basically tools to share the information among their users. It gives its users a......
B2B Social Media Marketing: Glass Half-Full or Half-Empty? Social media has taken the world by storm – no doubt about that, everyone is using it and it’s now the easiest way to reach people online. This is because people spend a considerable amount of time doing their social media stuff. For personal and for business matters. A widespread......
Social Media Optimization A Popular New Trend that Breaks from Search Engine Optimization Social media optimization is similar to search engine media optimization. The goal of social media optimization is to drive huge amounts of people to a specific website. Social media optimization can also be used to determine whether or not a......
Why on Earth would a real estate professional be talking about medical access? It’s very simple you see no matter who you are and your social status we all need to see a Doctor from time to time. I have found in my adult life I have been in situations where I needed advise and medicine for certain symptoms. I’m pretty sure that you would agree every once in a while you have encountered a few symptoms you needed a quick prescription for as well.
Hence the reason for me writing you today. I know this week I have been talking a lot about a company called Financial Destination Inc. if you’ve read any of my previous blog posts you would see FDI sprinkled in articles every once in a while. FDI is an amazing company, I don’t usually go off and brag up and down about a company as I represent several outstanding service and real estate based companies as well as my own lending company.
Getting back to the medical access I am speaking of people have so many choices when it comes to health care providers, that choosing can be a daunting task. Since I quit my corporate career several years ago, I have not had any coverage other than utilizing some government services which brings me directly to my next point.
You see going to the Doctors Office costs more than your perceived value of the service, especially if you use an HMO plan. Not only do you have the costs of the office visit or co-payment. You also have the time and fuel vested in traveling to and from the appointment, the costs of the time in the waiting room, waiting to see the Physician once you are admitted into a room.
I do not know about you but my time is worth money, I average $100 an hour, so for me to travel say 30 minutes to the Doctor’s office and 30 minutes back that’s $100.00. I have to wait approximately 30 to 45 minutes because the Doctor’s running late; there is another $50 dollars. The whole 5 minutes the Doctor gives me to diagnose my symptoms and another 10 minutes to write out the prescription adds another $25 to $50 dollars.
Now then I go to receive my prescription and have to pay an exorbitant amount for the medicine so let’s say that costs another $75 dollars. Wow can you see the money adding up. I have not even talked about my monthly premium which is over $300.00 month or Over $10.00 per day.
So let’s add up todays costs to see what the doctors office visit will cost. Travel $100 in Time, $10 in fuel, another $100 waiting from start to finish, $75 for the prescription and $10 per day of coverage. That equates out to $295.00 for one trip to the Doctors office. Sure your income may be less for someone who makes $10.00 and hour this equates out to $115.00 (more than you make in an 8 hour shift).
So you see the costs of coverage are expensive especially if you only go to a physician once or tice a year as I do. My coverage alone is over $3,600 per year. So back to Financial Destination Inc. for a moment, they provide you with a service called “Tela-Doc” which precisely describes what they do, they are a call center of licensed practicing Doctors and Physicians who diagnose symptoms and have the ability to prescribe medication based on your current medical history.
This service is actually in many corporate benefit plans, the fact is in these plans they cost $800.00/year for the service and $35.00/phone call. In your Financial Destination Inc. membership the cost is $39.95/ month and $0.00 per call charges.
In fact with your most expensive Financial Destination Inc. membership you receive medical, dental and vision for less than half of what I pay per month for just medical coverage. It’s truly amazing and the best part is you can earn a profit by sharing this information with others. You tell me where your company’s benefit plan or your personal benefit plan pays you for referral.? Mine never did.
Take the tie to learn the true value Financial Destination and take advantage of the fact that I can show you how to enroll in the VIP plan and start receiving immediate residual income for life without ever sharing this plan with any one. Did you hear that FREE Medical Access for life yes free!
With special incentives provided inside of Financial Destination Inc. AMD or CEO program you can immediately start saving $50.00 per month $25.00 on gasoline and $25.00 on groceries every month.
Imagine paying $39.95 per month for the start up VIP service and start receiving $50.00 in cash back on other purchases. That my friends is just the tip of the iceberg. Get started today simply watch the Financial Destination Inc video and then enroll as an AMD or a CEO.
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Retirement of a giant and the rise of future leaders Retirement of a giant and the rise of future leaders I looked as if I was a deer staring in the headlights when I opened the news this morning. You see I have been buried in tons of different activities and meetings over the last several weeks as I have......
Grimm forecast on retiree finances. I love the news the contradictions are often so plain to see they could get over looked. For example these next two posts are about retirement living and the differences of opinion about money. For example in this article the writer opens up and states that approximately 60% of......
Death often brings new life My father died today and this is not a cry out for support or sympathy, rather when death comes to visit the stay cannot be too long. It's swift, fast and sometimes can linger on. I spoke to my father just last evening, he was witty and wild on the......
When it's time to prepare for the impending situation - Wealth is a Concept -- Ryan Wegman Impending such a strong and terminal word. The pure fact that something is impending (meaning to happen in the future) is a dark and ugly shadow over many people. Especially in this crazy economy we are in. You see when that word impending is used it's in conjunction with......
Why we dance around the money situation at hand You can look at this in another perspective, why do we dance around the subject of finance, financial stabilization, security, why because it's uncomfortable for the masses. Many people are challenged and distraught about their current state of affairs. Constantly complaining about their situation at hand,yet instead of doing......
Russo's Marina, Bethel Park, CA Russo's Marina is located in: Bethel Park, CA Phone: 925-684-2024 Boat launch? Yes, the marina does have a boat launch on site. Please keep in mind that there is a $10 fee to use the launch. Average water depth? The marina did not provide us with their average depth. It......
Tips For Retirement Planning During A Weakening Economy As the economic climate of the country continues to deteriorate and threaten the stability our finances, many people are trying to figure out a way to save money for their retirement needs. As we witness home values and employment opportunities plummet, many people are wondering whether they will ever be......
Do It Yourself Divorce – Step One – When Things Are Mellow This Do It Yourself Divorce is going to be a multi-part series explaining how to do your own divorce in California, specific to Contra Costa County. All counties are very similar in this process, but may vary a little. I'm going to explain each part as I go through it.......
my 2008 financial resolution Over at Cash Money Life Patrick is going to be hosting the first Carnival of Financial Goals next Wednesday (December 5th). To get it started, he's asked people to write blog posts related to their 2008 financial resolutions. The kicker is that you will also be entered in a......
Moss Landing Harbor, Monterey, CA Phone: 831.633.2461 Radio Frequency: This marina monitors channel 9. Average Water Depth: Usually around 15 feet, but this may go down depending on conditions. It is best to check ahead to see what the current level is before you arrive. Is there a pumpout station? Yes, the harbor does offer......
When it comes to planning for retirement you really have only a few choices to make for your future. Strategically speaking many people take the approach of “I hope it works.” People really never give their retirement a thought until it’s to late. When they decide it’s time for retirement is when people decide to take a look at their accumulation of wealth for a hard 30 to 40 years of work.
It’s at this time when people realize they have not set enough aside funds to carry them from retirement date to the end of their lives. Realizing that they have to embark on a new career just to compensate for their costs of living and the needs of the individual. Rising costs of living are enough to drive the value of your dollars to an all time low.
With a little patience, goal setting and a needs analysis for the individual needs and the needs of the family through the time of their retirement years. People expect that the flow of cash (income) will never stop; yet with a twist of fate, peoples lives can be affected in an instant. This is some of the areas people need to consider for their goal planning and choosing their “NUMBER”.
What’s the number you ask? The number is the “NET” income you need to achieve after retirement takes place. So let me ask you to stop for a minute and figure out your number. If your current expenses require a monthly budget of $5,000 while you are working; you’ll need to almost double it to cover your taxes, medical needs, and the standard costs of living.
By the time you retire you loose certain advantages, for example your home will be paid off so your tax deductions are reduced, medical costs increase since you loose your benefits at retirement. Certain perks that may have come with working suddenly disappear. What if your income suddenly stopped before you were ready? Have you ever given that a thought? If not you should, at a minimum you need three to six months of living expenses socked away to cover any sudden pitfalls in your income.
So how do you plan strategically for retirement and the normal bumps in the road that can pop up in your path at any given time during the travels of your life? Simply put you need to be proactive in your affairs and handle yourself first. This means you ALWAYS pay yourself first! Then you move about your personal business.
Set up your incoming income stream(s) to work for you instead of against you. The first priority is to take care of your retirement and pre tax dollar savings. By setting up your retirement savings you tackle two birds with one stone. A) you are creating a better future for you and your family; B) you are reducing your tax liability and therefor you are saving on the amount of income tax that you pay.
You need to check with your tax person or CPA to make sure you are not saving too little or too much. This way you are reducing your overall exposure to the tax laws and keeping more money in your pocket.
Secondly you need to make sure you are setting aside 10% of your income for personal expenses in the bank. You need to build a nest egg equivalent to three to six months of monthly expenses to shore up your confidence and set you ahead of the rest of America.
Once you have established these cash reserves you can pull back and your cash savings and start a new stream of income not based for retirement, these are accounts to keep liquid money available for quick access and no penalties. By the way liquid investments such as stocks, bonds, mutual funds, cd’s, and etf’s etc should not be used as the main source for your retirement. Strategically planning for your retirement means seeking out the best opportunities for capital appreciation, preservation, and conservation. What I am suggesting to you are solutions that aren’t commonly expressed or shown to people by the big financial institutions.
These large institutional financial companies are showing you a path for disaster, look at the dot com bubble bust, the most recent melt down in our economic system. People lost thousands to millions of dollars overnight. Stocks are risky in fact one of my mentors called it “legalized gambling” which in fact is the truth.
Your placing your hard earned dollars into a stock(s) which allow companies to leverage your money for there benefit. If they make a profit you share in the winnings; however if the CEO makes the wrong decision(s) it’s your loss! Whew that’s a lot to think about, your trying to create wealth, build your future and all of the sudden BAM!
You just lost your precious nest egg, you’re about to retire and the next thing you know you are faced with the option to keep working and don’t retire or retire and live a miserable, uncomfortable lifestyle. Strategy means you plan through the mini setbacks, allocate & diversify properly. One of the best ways that you can prepare for retirement is by placing “select pre-developed real estate [land banking] into your portfolio.”
When doing so you need to know how to locate the the property, look for the crucial signs of future development, have an exit strategy or use the specialists who know all of these details and then some. Strategic land banking is one of the surest ways to grow your retirement portfolio, avoid risk exposure to the stock market and preserve your capital.
You can invest in companies accounts receivables and many other types of non traditional investments that are more secure than stocks or other types of investments that are not as receptive to market volatility. Your retirement is something you need to take seriously. I have many friends who are approaching their early to mid forties and they have no cash reserves or retirement nest egg to speak of.
They are working a plan that will ultimately set them up for failure and certain disaster. The differences in planning for today versus tomorrow are quite simple. You have the ability to fail in your planning for the short term and still have time to recover from the losses. However when you don’t plan ahead for retirement you are risking the comfort and security for your future.
You’re older and the Government places restrictions on your contribution limits, your age prevents you from having the time to successfully rebuild your retirement nest egg to a point that it can sustain you for the rest of your years.
Sure people bank on the inheritance they may receive I have a friend right now that is doing just that; she’s unemployed and the inheritance monies is being held up for many months while the trustee takes care of paying all of the creditors and lien holders, sell the shares of stock and remove their share of the proceeds before the disbursements ever take place.
Now she is facing eviction, loss of her car and other parts of security that comes with being financially prepared. Creating wealth isn’t rocket science, it’s a simple mathematical equation that simply says it’s not how much you make it’s how much you keep.
More and more people are faced with job loss, foreclosure, bankruptcy and other financial hardships that place unneeded stress, health implications and burdens that can cause sever health problems. Being financially sound creates peace and comfort in your life. Take the time to learn the knowledge, plan your finances strategically and retire with surety and ease.
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Starting a pension plan for your company The very first item to consider when starting a pension plan for your companyis to decide which course of action to take. What would benefit your company more either a defined benefit plan or a defined contribution plan? ***A defined contribution plan*** These plans are comprised from a broad range......
Gaining more purchasing power using the internet. Using the internet you can search out new ways of gaining more purchasing power for your asset acquisition and wealth creation plan. When you log on to your internet open up your browser. Do a Google search for the following cards: American Express look for their “Blue Card”, MBNA/American Express......
Capitalizing on the real estate market with social media If you've been on the Internet for more than 15 minutes it's not doubt that you have been exposed to numerous websites that use and leverage the social media such as myspace. Facebook, twitter, youtube and countless others of websites using the “web 2.0” technology. It's one of the hottest......
Top five reasons to own pre-developed real estate in a down market Many investors are rushing in to swoop up the great deals in real estate with our current state of economic trends. With many foreclosures on the market and more arriving there everyday. However with all of the great deals on the market there are tons of profits to be made.......
A proven formula for a better retirement The issue of retirement has been surfacing around the social media and content of conversation for sometime now. One of the most outstanding issues is the fact that the corporate pension and retirement plans are going by the wayside. Individuals are being forced to take control of their retirement portfolios.......
Investing In Japanese Real Estate In a previous post I had mentioned that a Japanese REIT was going IPO. I was wondering how I could get in on the action. It seems like a good idea - the Dollar should weaken against the Yen and Japan's Real Estate should appreciate after almost a decade and......
Should I not waste my time doing the stock market/real estate investing? I'm making 90k per year after taxes, and I'm only 25. Should i just invest it in CDs and 401k? I want to retire around age 45 and travel around the world and just have fun. Also i'm not a big spender expensive stuff, i drive a used car, and......
Five Ways Using Quicken Will Make Your Finances Simpler Many people are a little intimidated about the idea of using financial software to track their expenses. Even the term “financial software” calls to mind thoughts of spreadsheets and complicated budgets. In reality, though, deciding to use Quicken can make your finances much simpler than you ever thought possible. Quicken......
Commercial Real Estate - What Asset Types Are Best To Invest In? Apartment Buildings Mini-Storage/Self-Storage Senior Housing Raw Land Entitled Land, Ready-To-Build Office Buildings Mobile Home Parks Campgrounds/RV Parks Car Washes Ground Leases (With a business on the land owning the building it occupies - a common model for fast food franchises) Hotels Golf Courses Entertainment Centers (mini golf, go carts,......
Get ready get set your retired now what. What plans did you have 20 or so years ago? Were you going to retire and sail the globe? Did you make the right moves to achieve and sustain your goals?
This article displays the types of choices we all make to get to where we want to be. But when it comes down to it is it really what we wanted? Learn how decisions can open up new door of opportunity for you buy being ready and receptive to change. http://online.wsj.com/public/article/SB121590139967448823.html
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Happy Labor Day Are You Working On Your Finances Today Image by Robert Couse-Baker via Flickr Here we are again entering the holiday season, beginning with today and running directly into the major holiday season. Halloween, thanksgiving and of course everybody's favorite Christmas. With the soon to be spending season coming right around the corner at this time of......
Mortgage rates dropped – along with stocks and bonds With all of the anticipation of the credit crunch underway and news of Fannie Mae needing bail out money to stop the bleeding and weakening of our economy mortgage rates dropped right along side stocks, bonds and mutual funds. Also with the news that mortgage giant Indy Mac would......
The rise of the sophisticated real estate investor Whew what a weekend! There were 10 year old girls screaming all weekend. Oh yeah I was at my little girls birthday bash all weekend we had fun and here on this misty rainy Monday. I had a few moments to reflect on the past event as I rose......
New news added to the business from home blog Hey everyone I know that the videos you are about to see are a direct repeat of what I posted on my blog earlier this week. I am working on revamping the way I handle business from now on. My vision get clearer everyday. I wanted to point out a......
Cash is king' in market for foreclosed homes i read this article a good friend of mine sent to me today. It's very true living in the current real estate bubble we are in is a risky place. Have we bottomed out who really knows until we finally see the turnaround take place.There is a lot of controversy......
Unsecured Loans: Secure money without offering security If you donât have any collateral to acquire a loan then unsecured loans are best options for you. As the name suggests in this loan does not need the borrower to set up any security against it. This is a personal loan where the lender has no assert on a......
Buying your Postage Stamps Online With the wide availability of different stamps from all over the world, there is an enormous selection from you to take from when it comes to buying postage stamps online. The following tips should help you when it comes to expanding your stamp hobby by purchasing and even selling your......
Online Business Startup Opportunities Can Be Very Expensive There are various ways to start a business online today. What can be confusing to the average person is the cost of online business startup opportunities. Let me give you a few thoughts on how costly it can really be! I would like to use the affiliate marketing business model......
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