The downside of all of this is when your house cracks or starts falling apart and you’ve only been in it for a few months what is the buyer to do? I remember as a phone technician I had a clients appointment and she was livid.

Her home had plumbing issues over Thanksgiving one year, she fought with the builder who finally got around to the third repair around Christmas that year. It was so bad that she had to rent an out house for her guests to use the facilities.

The outcome was the laborers had been shoving garbage down into the plumbing as they were drinking and partying the nights away. How unthoughtful, destroying people futures without giving a care or regard for the consequences that will follow.

10 Things Home Builders Won’t Tell You at SmartMoney.com

10 Things Home Builders Won’t Tell You

Technorati Tags: real estate, builder, home builder, shotty construction

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When it comes to wealth creation planning is the most crucial element. This requires forethought as well as accountability to your financial advisers, your actions as well as your overall strategy for amassing wealth.

Planning your way means you actually sit and evaluate your past, present and future financial needs. You need to stop and simply ask yourself “Is this where I need to be financially, do I have enough funds at the end of the month left over or am I barely scrapping by? Have I been contributing to my retirement?

This is your first assignment and you cannot I repeat cannot go any further without performing this simple step. I have often wondered why people don’t take the time to make these very important plans in the first place.

Very few people have actually stopped to plan out their needs for retirement or their short term financial strategy either. Most people contribute to an IRA or 401K plan and rarely check to see if the plan is going towards helping their futures. Simply put many people are blinded when it comes to financial planning and making sure that they have enough saved up to cover them in case of sudden financial set backs.

Simple things like ignoring the needed maintenance of a home or vehicle can suddenly cause financial strain when you don’t have the needed funds to cover major repair costs. People live on equity and credit cards as a means of having extra capital available on demand.

This si fine until you realize that the credit cards and interest are eating up every last cent you make. For many this is a true fact and we’ve seen it before especially during the economic crash of 2008. People were loosing everything due to poor financial preparation. Even as the crisis continues people are complacent with what they should do about money.

More often than not families experience pain and short falls of capital which lead to stress, relationship or marital complications and the mental anguish , and eventually a realization of change sets the precedence for the moment.

I have experience this first hand. I know what lies ahead down a dark dusty highway, peril at every twist and turn of fate. Wishing and hoping for a miracle that will never happen until you set the change into motion. Planning takes a little time to asses where you are and where you need to be.

Start with yesterday and today these are simple; do you have a savings account for necessity, one for contingency (emergency) funds, and finally do you have enough cash flow to cover all of your needs starting with your future? If you answered no to any of these questions then you need to stop and implement changes before you go any further.

Next we look towards the future, what is in your current retirement account are you saving every dime you can. You know that the rising costs of food, fuel and inflation will devalue your dollars purchasing power. So what does this all mean? Simply explained you will need to make more money in the future to cover your necessities of today.

Your dollars need to work harder than ever before. If you thing a 10% ROI is s good deal I can prove to you that you need more. More than what you have ever expected. To receive a residual income of say $5000.00/ month your going to need at least $2,000,000 in cash with a ROI of 4% to earn the $5,000/mo. Are y9our needs more than five thousand then adjust accordingly. How are you going to get there? If you had $100,000 in an account with a 10% ROI your money would double approximately every 7.2 years.

Using this formula you can see how long before you wish to retire vs. how long it will take to retire. It would take over 30 years to make the $2,000,000 amount. Are you willing to put in another 30 years to reach that goal or are you ready to make a shift in your habits to produce better results than what you are currently receiving?

Planning your way to wealth is the only true way to achieve the true success and financial independence you have longed for. So take the time to make your plans take the action to realize them and enjoy everything life has to offer by simply taking a look at your financial situation and planning your path to wealth and prosperity.

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