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1. <?xml version='1.0' encoding='UTF-8'?><?xml-stylesheet href="http://www.blogger.com/styles/atom.css" type="text/css"?><feed xmlns='http://www.w3.org/2005/Atom' xmlns:openSearch='http://a9.com/-/spec/opensearchrss/1.0/' xmlns:blogger='http://schemas.google.com/blogger/2008' xmlns:georss='http://www.georss.org/georss' xmlns:gd="http://schemas.google.com/g/2005" xmlns:thr='http://purl.org/syndication/thread/1.0'><id>tag:blogger.com,1999:blog-1032303387894095635</id><updated>2024-02-08T19:59:02.209+07:00</updated><category term="credit cards"/><category term="credit score"/><category term="Empirica"/><category term="Equifax"/><category term="Experian"/><category term="Saving"/><category term="THE CO-SIGNER TECHNIQUE"/><category term="THE PASSBOOK SAVINGS LOAN TECHNIQUE"/><category term="TransUnion"/><category term="business"/><category term="cheap life insurance"/><category term="compare cards"/><category term="credit report"/><category term="debt"/><category term="establish credit"/><category term="finance"/><category term="imporve credit score"/><category term="investing"/><category term="ira rollover"/><category term="money"/><category term="rebuild credit"/><category term="repair credit"/><category term="spending less"/><category term="term insurance"/><category term="term life insurance"/><title type='text'>PERSONALLY</title><subtitle type='html'>Manage your personal finance mindfully</subtitle><link rel='http://schemas.google.com/g/2005#feed' type='application/atom+xml' href='https://3000dollarsamsuga.blogspot.com/feeds/posts/default'/><link rel='self' type='application/atom+xml' href='https://www.blogger.com/feeds/1032303387894095635/posts/default'/><link rel='alternate' type='text/html' href='https://3000dollarsamsuga.blogspot.com/'/><link rel='hub' href='http://pubsubhubbub.appspot.com/'/><author><name>Unknown</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><generator version='7.00' uri='http://www.blogger.com'>Blogger</generator><openSearch:totalResults>12</openSearch:totalResults><openSearch:startIndex>1</openSearch:startIndex><openSearch:itemsPerPage>25</openSearch:itemsPerPage><entry><id>tag:blogger.com,1999:blog-1032303387894095635.post-8344416057505810193</id><published>2022-12-28T14:40:00.001+07:00</published><updated>2022-12-28T14:40:00.164+07:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="business"/><category scheme="http://www.blogger.com/atom/ns#" term="compare cards"/><category scheme="http://www.blogger.com/atom/ns#" term="credit cards"/><category scheme="http://www.blogger.com/atom/ns#" term="finance"/><title type='text'>Drawbacks Of Not Having A Credit Card</title><content type='html'>&lt;div class=&quot;separator&quot; style=&quot;clear: both; text-align: center;&quot;&gt;&lt;a href=&quot;https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhigtiqKxTyBLaMFIWafjFt3-WXTBhKr3b44guJBGpY0uc6Qu1HiI5p53vLO54GELVsk-cB8h1kz8WDta3X2bcka8fVJO8kzo-xbRkBbE6OlRokZZFBEMNH2qiRzOF2QLCzufpPJFDdNqPdqdgH9GcQ0GS11PW3zdUGDucQmUBnnRG-_U-2x2EqXP2U/s3999/12.jpg&quot; imageanchor=&quot;1&quot; style=&quot;margin-left: 1em; margin-right: 1em;&quot;&gt;&lt;img border=&quot;0&quot; data-original-height=&quot;2666&quot; data-original-width=&quot;3999&quot; height=&quot;266&quot; src=&quot;https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhigtiqKxTyBLaMFIWafjFt3-WXTBhKr3b44guJBGpY0uc6Qu1HiI5p53vLO54GELVsk-cB8h1kz8WDta3X2bcka8fVJO8kzo-xbRkBbE6OlRokZZFBEMNH2qiRzOF2QLCzufpPJFDdNqPdqdgH9GcQ0GS11PW3zdUGDucQmUBnnRG-_U-2x2EqXP2U/w400-h266/12.jpg&quot; width=&quot;400&quot; /&gt;&lt;/a&gt;&lt;/div&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;There are very few things that are as ubiquitous as the credit card. This little rectangle of plastic can give us so much convenience, but to the unwary can also bring so much misery. Credit cards may be the easiest way to get a standby line of revolving credit, always available when you need it, but it can also be the fastest way to get mired in credit card debt. People may complain about credit card debt but everyone agrees that despite the risks, there are too many drawbacks to not having a credit card.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;Credit cards as we know them today are relatively new and are continuously evolving. The major laws protecting consumers’ rights involving credit were passed in the mid-seventies. It may be timely that Congress is currently considering added measures to enhance consumer protection. Yet, for a long time, people were using credit cards as a convenience product rather than as loans. Many people paid their entire balance each month. Credit cards were not as essential then as they are now.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;Banks do not make money if people did not carry balances since a grace period for purchases, where no interest is charged for one month, is usually standard. As far as banks are concerned, the best credit card customer is one who carries a balance each month after remitting the minimum payment on time. Credit card issuers got really creative and have managed to make credit cards a necessary part of daily living. They worked to have credit cards accepted in more and more establishments, and to have credit card holders understand the many benefits and conveniences that they stood to gain from using their credit cards.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;In our times, credit cards no longer a luxury. If you travel, you need your credit card to book flight reservations and reserve hotel rooms. You also need credit cards to rent cars, to purchase gas, and buy products by telephone or online. Being without credit cards today would make your life as difficult as traveling by horse and buggy. Without our even being aware of it, credit cards have become a business standard.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;A credit card is one of the quickest ways to build a credit history. When you apply for a credit card and you still have no history, there are credit card issuers that you can approach. These issuers specialize in providing credit card products to customers who, because they are still attempting to establish or expand their credit history, are generally evaluated as higher credit risks. Many college students, for example, fall into this category, along with those who have limited employment income, or otherwise have poor credit history.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;Today, having credit is a necessity. An inexpensive, reliable new car costs thousands of dollars, and although most people may want to pay in cash, the reality is they will need a loan. The rates and terms of that loan will be determined by your credit history, which is easily obtainable from the credit bureaus throughout the country. If you have used credit wisely in the past and repaid previous loans on time, you will be in a favorable position. If not, the result will be a more costly loan with higher interest rates.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;The use of the credit card as a source of loans is illustrated by the fact that overall credit card debt now runs several hundred billions of dollars. Credit card debt has risen quickly to unimaginable proportions, and still banks continue to compete heavily for your business. Every year, billions of credit card flyers with invitations to transfer to another card issuer are sent out. The average American credit card holder is now in possession of almost a dozen credit cards, with average debt of $13,000. The credit card has indeed become a cornerstone of everyday living. Other than its necessity in making flight and hotel reservations, credit cards help the credit card holder with:&lt;/p&gt;&lt;p&gt;• “Cashless” transactions that avoid the risk of carrying around too much cash&lt;/p&gt;&lt;p&gt;• An interest-free loan from the time of purchase until the payment is due&lt;/p&gt;&lt;p&gt;• Cash advances from an ATM, in emergency cases&lt;/p&gt;&lt;p&gt;• The ability to shop by telephone or online&lt;/p&gt;&lt;p&gt;• The ability to purchase items when cash is not sufficient&lt;/p&gt;&lt;p&gt;• The ability to withhold payment when dissatisfied with a purchase or to dispute erroneous billings&lt;/p&gt;&lt;p&gt;• An instant source of credit that is available without filling out forms or undergoing further credit checks.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;Cash, when it gets lost, is irretrievable; unlike cash, if you lose your credit card you can get a replacement no matter where you are. You also get protection against fraud or unauthorized use, which means you have minimal or even zero liability. Credit cards can be a resource in case of emergencies, such as a large car repair bill or an unforeseen expense.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;Credit card companies normally provide the card holders with copies of their monthly statements. These statements list down in detail all charges that have been made against your credit card account. The monthly statements can thus serve as a complete financial record which, to the prudent credit card user, can become a guide for budgeting and controlling expenses. If the card user is a student, the monthly statements can become a tool for learning financial responsibility. Indeed, for personal finances and small businesses, credit cards have become a necessary financial tool.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;There is also the prospect of being able to save money on future transactions because the usual credit card offers a number of rewards privileges that include frequent flyer miles, cash rebates, discounts or free telephone calls, points that go towards reduction of the cost of airplane tickets and hotel stays, points that can be redeemed as consumer products or gift certificates. All of the major credit cards — Visa, MasterCard, American Express — offer a multitude of card products with endless permutations on rewards, benefits and privileges that you can enjoy to maximize the value you get from your credit cards.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;Ownership of a credit card entails certain responsibilities on your part. If these responsibilities are not exercised dutifully, you could unwittingly put yourself in a difficult situation where you lose your credit card privileges and suffer the drawbacks of not having credit cards. Your primary responsibilities as a credit card holder include the obligation to pay your bills on time, to stay within your pre-set spending limit, and to maintain the worthiness of your credit.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;The convenience of having credit cards may tempt you to live beyond your means. You need to remember that excessive credit card debt and late payments will impair your credit rating and make it more difficult and costly to obtain credit in the future. Remember it is very easy to lower your credit ratings, but painfully slow to raise it.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;It is now more important than ever to be effective at managing credit card debt. This is particularly true for people living from paycheck-to-paycheck and who must dip into their credit sources to make ends meet. If you are able to plan your credit spending and payments to your account, you will be rewarded with higher lines of credit and better rates. Otherwise, if you’re not efficient and disciplined with your credit card, you’ll have very few options available.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;</content><link rel='replies' type='application/atom+xml' href='https://3000dollarsamsuga.blogspot.com/feeds/8344416057505810193/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='https://3000dollarsamsuga.blogspot.com/2022/12/drawbacks-of-not-having-credit-card.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='https://www.blogger.com/feeds/1032303387894095635/posts/default/8344416057505810193'/><link rel='self' type='application/atom+xml' href='https://www.blogger.com/feeds/1032303387894095635/posts/default/8344416057505810193'/><link rel='alternate' type='text/html' href='https://3000dollarsamsuga.blogspot.com/2022/12/drawbacks-of-not-having-credit-card.html' title='Drawbacks Of Not Having A Credit Card'/><author><name>Unknown</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhigtiqKxTyBLaMFIWafjFt3-WXTBhKr3b44guJBGpY0uc6Qu1HiI5p53vLO54GELVsk-cB8h1kz8WDta3X2bcka8fVJO8kzo-xbRkBbE6OlRokZZFBEMNH2qiRzOF2QLCzufpPJFDdNqPdqdgH9GcQ0GS11PW3zdUGDucQmUBnnRG-_U-2x2EqXP2U/s72-w400-h266-c/12.jpg" height="72" width="72"/><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-1032303387894095635.post-6419347412763062285</id><published>2022-12-28T14:18:00.004+07:00</published><updated>2022-12-28T14:18:00.266+07:00</updated><title type='text'>5 Tips to Check How Healthy Is Your Credit</title><content type='html'>&lt;div class=&quot;separator&quot; style=&quot;clear: both; text-align: center;&quot;&gt;&lt;a href=&quot;https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiomf1b5076zFgHNlRff9xnZbYlSgrDqgiVnyJcb5kShlIPSThPCItBzpVIy-dRfCMI8s7nMOi6M_DCDXCsJ4qLlYWBpYJEd96V__wKKyYqjg8CUWOprEClmsP3ZO-sAZZ9y9ghIoEbSYLszXFJo4GNEXqArJU5KgKKxXF6QKsI3LAYRkn3_7N7U7zf/s3000/11.jpg&quot; imageanchor=&quot;1&quot; style=&quot;margin-left: 1em; margin-right: 1em;&quot;&gt;&lt;img alt=&quot;Personally - 5 Tips to Check How Healthy Is Your Credit&quot; border=&quot;0&quot; data-original-height=&quot;2000&quot; data-original-width=&quot;3000&quot; height=&quot;426&quot; src=&quot;https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiomf1b5076zFgHNlRff9xnZbYlSgrDqgiVnyJcb5kShlIPSThPCItBzpVIy-dRfCMI8s7nMOi6M_DCDXCsJ4qLlYWBpYJEd96V__wKKyYqjg8CUWOprEClmsP3ZO-sAZZ9y9ghIoEbSYLszXFJo4GNEXqArJU5KgKKxXF6QKsI3LAYRkn3_7N7U7zf/w640-h426/11.jpg&quot; width=&quot;640&quot; /&gt;&lt;/a&gt;&lt;/div&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;There’s only one way to discover the “health” of your credit.&amp;nbsp; You need to examine your credit report.&amp;nbsp; Your credit report is your “consumer identity” that potential lenders will use to judge your credit worthiness.&lt;/p&gt;&lt;p&gt;Use these tips to give your credit profile the “tune-up” it needs:&amp;nbsp;&lt;/p&gt;&lt;h2 style=&quot;text-align: left;&quot;&gt;Tip #1- Check for Errors&lt;/h2&gt;&lt;p&gt;Your credit report or profile is more than just a collection of who your creditors are and how much you owe them or have paid them.&amp;nbsp;&amp;nbsp;&lt;/p&gt;&lt;p&gt;The first thing you need to do is carefully check that your credit report is accurate.&amp;nbsp; Nearly 70% of credit reports contain errors.&lt;/p&gt;&lt;p&gt;These errors may be as simple as an incorrect middle initial or address.&amp;nbsp; Or it could be as serious as a creditor reporting that you were late with a payment when in fact you were not late at all.&amp;nbsp;&amp;nbsp;&lt;/p&gt;&lt;p&gt;This error might not seem like a big deal to you.&amp;nbsp; However,to a future lender like a mortgage company it makes a big difference !&lt;/p&gt;&lt;p&gt;Carefully examine your credit report and if you find an error contact your creditor and the credit bureaus.&amp;nbsp; Catchand correct these errors now before it hurts your chances of securing credit in the future.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;h2 style=&quot;text-align: left;&quot;&gt;Tip #2 - Correcting Errors&lt;/h2&gt;&lt;p&gt;The two most common errors contained in credit reports are:&amp;nbsp;&lt;/p&gt;&lt;p&gt;&lt;span style=&quot;white-space: pre;&quot;&gt; &lt;/span&gt;1) wrong account information&amp;nbsp;&lt;/p&gt;&lt;p&gt;&lt;span style=&quot;white-space: pre;&quot;&gt; &lt;/span&gt;2) incorrect recording of late payments.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;If you find an account reported that does not belong you, you need to contact the credit grantor or issuer immediately.&amp;nbsp; Remember, finding accounts that you have not personally opened is a sign of possible identity theft.&lt;/p&gt;&lt;p&gt;Hopefully you’ll discover that this error is nothing more than an oversight and not an identity theft problem.&amp;nbsp; Most often this occurs when they report an account belonging to a family member or someone with a similar name on your credit report.&amp;nbsp;&amp;nbsp;&lt;/p&gt;&lt;p&gt;If your problem is an error in reporting a late payment you will need proof to back up your case before this error can be corrected or removed.&amp;nbsp; The most common error occurs when a payment is reported as “late” when it was actually a current or “on time” payment.&lt;/p&gt;&lt;p&gt;In either case, the problem can and should be corrected.&amp;nbsp; You will need to correct the error in writing.&amp;nbsp; Keep a journal or log of all calls and correspondence.&lt;/p&gt;&lt;p&gt;The Fair Credit Reporting Act (FCRA) requires the credit bureaus and the agency reporting the information to the credit bureau to correct inaccurate information in your credit report.&amp;nbsp; Therefore, it is important that you contact both the credit bureau and the creditor whose information is in dispute.&lt;/p&gt;&lt;p&gt;A sample letter is included here to help you in correcting your credit profile.&amp;nbsp; Make sure that you clearly identify the information that you dispute, include copies of receipts or documents that support your position.&amp;nbsp; Then request that the information be corrected or deleted from your file.&lt;/p&gt;&lt;p&gt;Send your letter by certified mail and request a return receipt from the recipient.&amp;nbsp; Keep all correspondence that you mail out.&amp;nbsp; Give the agencies involved 30 days to begin their investigation.&amp;nbsp; You can call them but be aware that phoning them does not protect your consumer rights!&amp;nbsp; You must notify them in writing to protect your rights.&lt;/p&gt;&lt;p&gt;They must notify you of the results of their investigation.&amp;nbsp; Although the process will take time, it’s important to do it.&amp;nbsp; This is your credit profile, your “consumer identity” that is at stake.&amp;nbsp; Don’t expect an error to correct itself.&lt;/p&gt;&lt;p&gt;At your request, the credit bureaus must send notices of corrections to your credit profile to anyone who has requested your report in the last six months.&amp;nbsp; If you applied for a job and were turned down because of inaccurate information in your credit report, you can have the corrected report mailed to anyone who received a copy in the past two years.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;&lt;/p&gt;&lt;blockquote&gt;&lt;p&gt;++++++++++++++++++++++++++++++++++++&lt;/p&gt;&lt;p&gt;Sample Dispute Letter&lt;/p&gt;&lt;p&gt;Date&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;Your Name&lt;/p&gt;&lt;p&gt;Your Address&lt;/p&gt;&lt;p&gt;Your City, State, Zip Code&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;Complaint Department&lt;/p&gt;&lt;p&gt;Name of Credit Reporting Agency&lt;/p&gt;&lt;p&gt;Address&lt;/p&gt;&lt;p&gt;City, State, Zip Code&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;Dear Sir or Madam:&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;I am writing to dispute the following information in my file. The items I dispute are also encircled on the attached copy of the report I received. (Identify item(s) disputed by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc.)&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;This item is (inaccurate or incomplete) because (describe what is inaccurate or incomplete and why). I am requesting that the item be deleted (or request another specific change) to correct the information.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;Enclosed are copies of (use this sentence if applicable and describe any enclosed documentation, such as payment records, court documents) supporting my position. Please reinvestigate this (these) matter(s) and (delete or correct) the disputed item(s) as soon as possible.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;Sincerely,&lt;/p&gt;&lt;p&gt;Your name&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;Enclosures: (List what you are enclosing)&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;Originally Posted at http://www.ftc.gov/&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;++++++++++++++++++++++++++++++++++++&lt;/p&gt;&lt;/blockquote&gt;&lt;p&gt;&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;h2 style=&quot;text-align: left;&quot;&gt;Tip #3 - Budget Planning&lt;/h2&gt;&lt;p&gt;You can also use your credit report to help you plan and implement a personal budget.&amp;nbsp; Your credit report will show you where you are spending your hard earned dollars.&amp;nbsp; While the credit card balances may not be completely current, you’ll still see which of your cards has the highest balance outstanding.&lt;/p&gt;&lt;p&gt;If you have more than one major credit card you should compare the annual percentage rate (APR) you are paying on each account.&amp;nbsp; If you are working on a budget to “pay&amp;nbsp;&lt;/p&gt;&lt;p&gt;down” your credit cards, start by paying down the one with the highest APR or interest.&lt;/p&gt;&lt;p&gt;Once that credit account is paid off, move toward paying off the account with the second highest APR.&amp;nbsp; Using this method you will be able to concentrate your efforts toward paying down your outstanding credit obligations.&amp;nbsp;&amp;nbsp;&lt;/p&gt;&lt;p&gt;You should also check with your credit card company to see what’s the best annual percentage rate (APR) they can offer you.&amp;nbsp; If you are a good customer, you can often qualify for a lower rate than what you are currently being offered.&lt;/p&gt;&lt;p&gt;Caution:&amp;nbsp; Ask if the new rate you are getting is a “promotional” rate or a “contract” rate.&amp;nbsp; &amp;nbsp;A promotional rate will expire at the end of the promotional term, for example 6 months.&amp;nbsp; A contract rate does not have an “expiration” as long as you continue to meet the terms outlined by your creditor for that rate.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;h2 style=&quot;text-align: left;&quot;&gt;Tip #4 - Making a major purchase&lt;/h2&gt;&lt;p&gt;If you are considering a major purchase such as a car or a home, checking your credit report gives you the chance to see what a potential lender sees and uses to judge your credit worthiness.&amp;nbsp;&amp;nbsp;&lt;/p&gt;&lt;p&gt;You want to make sure that your credit report is accurate before you apply for that sports car or new home.&amp;nbsp; &amp;nbsp;Errors or problems can be corrected before your lender can use&amp;nbsp;&lt;/p&gt;&lt;p&gt;those against you and deny your credit request.&amp;nbsp; You’ll also have a better idea of what type or rate of credit you should expect from a potential lender.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;h2 style=&quot;text-align: left;&quot;&gt;Tip #5 - Check your credit report regularly&lt;/h2&gt;&lt;p&gt;Check your credit report regularly.&amp;nbsp; Guard your “consumer identity” as you would anything else you treasure.&amp;nbsp; Use your credit wisely, along with these tips, and you will enjoy the benefits that your good credit and your good name deserve now - and for years to come.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;&lt;span face=&quot;Roboto, sans-serif&quot; style=&quot;background-color: white; font-size: 16px;&quot;&gt;If you&#39;re curious about the latest Tech &amp;amp; SaaS Solution, please kindly visit &lt;a href=&quot;https://www.techvarieties.com&quot;&gt;https://www.techvarieties.com&lt;/a&gt; to get the latest&amp;nbsp; news about software and technology.&amp;nbsp;&lt;/span&gt;&lt;/p&gt;
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115. &lt;/div&gt;</content><link rel='edit' type='application/atom+xml' href='https://www.blogger.com/feeds/1032303387894095635/posts/default/6419347412763062285'/><link rel='self' type='application/atom+xml' href='https://www.blogger.com/feeds/1032303387894095635/posts/default/6419347412763062285'/><link rel='alternate' type='text/html' href='https://3000dollarsamsuga.blogspot.com/2022/12/5-tips-to-check-how-healthy-is-your.html' title='5 Tips to Check How Healthy Is Your Credit'/><author><name>Unknown</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiomf1b5076zFgHNlRff9xnZbYlSgrDqgiVnyJcb5kShlIPSThPCItBzpVIy-dRfCMI8s7nMOi6M_DCDXCsJ4qLlYWBpYJEd96V__wKKyYqjg8CUWOprEClmsP3ZO-sAZZ9y9ghIoEbSYLszXFJo4GNEXqArJU5KgKKxXF6QKsI3LAYRkn3_7N7U7zf/s72-w640-h426-c/11.jpg" height="72" width="72"/></entry><entry><id>tag:blogger.com,1999:blog-1032303387894095635.post-5809083490693438436</id><published>2022-12-27T13:39:00.013+07:00</published><updated>2022-12-27T13:39:00.177+07:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="credit report"/><category scheme="http://www.blogger.com/atom/ns#" term="credit score"/><category scheme="http://www.blogger.com/atom/ns#" term="THE CO-SIGNER TECHNIQUE"/><category scheme="http://www.blogger.com/atom/ns#" term="THE PASSBOOK SAVINGS LOAN TECHNIQUE"/><title type='text'>2 Proven Techniques to Increase your Credit Score </title><content type='html'>&lt;div class=&quot;separator&quot; style=&quot;clear: both; text-align: center;&quot;&gt;&lt;a href=&quot;https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhDfjkXtY65pa5lnzMqxqL8e6i8rrCEyBA1xLoRvdeKOSxaMcs2weamtvIDEDXAZvLRl9ZPfUnQLXRxHcm8NsY6zuVZgDT82a1jymGzNOkWP1QV_8bggfFz0ENNbsE-qDraEVEmyA3utkm_c4wp4U3IHkwrhD42K_E6fpM-Ev27cdmQPqz9Vu_ZESlF/s6720/10.jpg&quot; imageanchor=&quot;1&quot; style=&quot;margin-left: 1em; margin-right: 1em;&quot;&gt;&lt;img alt=&quot;Personally - 2 Proven Techniques to Increase your Credit Score&quot; border=&quot;0&quot; data-original-height=&quot;4480&quot; data-original-width=&quot;6720&quot; height=&quot;266&quot; src=&quot;https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhDfjkXtY65pa5lnzMqxqL8e6i8rrCEyBA1xLoRvdeKOSxaMcs2weamtvIDEDXAZvLRl9ZPfUnQLXRxHcm8NsY6zuVZgDT82a1jymGzNOkWP1QV_8bggfFz0ENNbsE-qDraEVEmyA3utkm_c4wp4U3IHkwrhD42K_E6fpM-Ev27cdmQPqz9Vu_ZESlF/w400-h266/10.jpg&quot; width=&quot;400&quot; /&gt;&lt;/a&gt;&lt;/div&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;Most consumers are aware that negative items on their credit report can be disputed with the three major credit reporting bureaus. Often, this process can lead to a significant improvement in credit score through deletion of the damaging items that were lowering the score.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;However, to achieve excellent credit, it&#39;s not enough to just remove negative entries. Why? Because a lack of positive payment history is also an obstacle to having good credit. You need to demonstrate a record of on-time payments in order to raise your credit score.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;In this article I will describe two simple techniques for rapidly ADDING good credit entries to your file.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;h2 style=&quot;text-align: left;&quot;&gt;THE CO-SIGNER TECHNIQUE&lt;/h2&gt;&lt;p&gt;All that is necessary to add years of excellent credit history is the love and trust of a friend or family member who has good credit.&lt;/p&gt;&lt;p&gt;Credit card companies are always willing to have their best customers add extra cards for family members. By adding your name to one or more of their accounts, they will actually cause a new credit card to be issued in your name. The &quot;catch&quot; is that they will be the co-signer on the account, meaning that they are responsible if you miss payments.&lt;/p&gt;&lt;p&gt;Of course, you never want to risk the credit rating of a friend or family member, so simply have them use their own address on the application for the extra card. That way, the card will be mailed to them, and even though it has your name on it, the card will remain in their possession. They can even cut it up if they want to.&lt;/p&gt;&lt;p&gt;The simple beauty of this approach is that the new card will show up on your credit report, and normally it will show the opening date of the original card (not just the application date for the extra card), as well as the entire credit history of that card! It&#39;s like getting years of good credit added to your file with the stroke of a pen.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;h2 style=&quot;text-align: left;&quot;&gt;THE PASSBOOK SAVINGS LOAN TECHNIQUE&lt;/h2&gt;&lt;p&gt;The &quot;Passbook Savings Loan Technique&quot; is a great way to add positive payment history to your credit file. It will also give you an excellent credit reference to use for most types of financial applications. This technique does require some cash – at least $500 to $1,000. However, this amount will be held in a savings account as loan collateral, and the total out-of-pocket cost to complete this technique should be well under $50.&lt;/p&gt;&lt;p&gt;Here is the Passbook Savings Loan Technique in detail, so you can see exactly how everything works.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;h3 style=&quot;text-align: left;&quot;&gt;STEP 1 – Locate a Small Bank that Meets Your Requirements&lt;/h3&gt;&lt;p&gt;I recommend that you work with smaller community banks and not the major chains. The smaller banks are more likely to have the exact type of account that you will need to open, and they are more likely to work with you and be flexible. Savings &amp;amp; Loan institutions and Credit Unions can also be used, provided they meet the requirements. The product you want is called the &quot;Passbook Savings Account,&quot; which is basically just a simple savings account. And the type of loan you will take out is a &quot;Passbook Savings Loan.&quot; This is the easiest type of loan to get because it is totally secured with your own cash. Most banks are only willing to loan you 85% of the amount you have on deposit, so there is always some reserve money in the account.&lt;/p&gt;&lt;p&gt;Your target bank will be suitable for this method if it meets the following three requirements:&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;&lt;/p&gt;&lt;ul style=&quot;text-align: left;&quot;&gt;&lt;li&gt;The bank must have a Passbook Savings Account product with NO MONTHLY FEE on balances of $500 to $1,000.&lt;/li&gt;&lt;/ul&gt;&lt;p&gt;&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;&lt;/p&gt;&lt;ul style=&quot;text-align: left;&quot;&gt;&lt;li&gt;You must be able to borrow up to 85% of your balance on a 12-month loan schedule. This is typically called a Passbook Savings Loan.&lt;/li&gt;&lt;/ul&gt;&lt;p&gt;&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;&lt;/p&gt;&lt;ul style=&quot;text-align: left;&quot;&gt;&lt;li&gt;CRITICAL: The bank MUST report activity on this account to the three major credit bureaus (Experian, TransUnion, and Equifax).&lt;/li&gt;&lt;/ul&gt;&lt;p&gt;&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;If the bank product does not meet these requirements, then do NOT use that bank. There are thousands of small banking institutions throughout the country, so it should be fairly easy for you to find an appropriate one in your local area.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;h3 style=&quot;text-align: left;&quot;&gt;STEP 2 – Open a Passbook Savings Account&lt;/h3&gt;&lt;p&gt;Go to the bank you&#39;ve chosen and open a Passbook Savings Account for $1,000 or less---depending on what you have to work with. Take your Passbook home and wait a week or so, because you don&#39;t want it to look like you opened the account only for the purpose of taking the loan.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;h3 style=&quot;text-align: left;&quot;&gt;STEP 3 – Obtain a Passbook Savings Loan&lt;/h3&gt;&lt;p&gt;Return to the bank and ask to see a loan officer. Look your best, be courteous, and explain that you wish to take out a Passbook Savings Loan for $850 (or 85% of whatever amount you actually deposited).&lt;/p&gt;&lt;p&gt;When you take out your loan, your savings account is frozen. However, every time you make a payment you unfreeze an amount equal to your payment, less a few dollars for interest. Be sure to ask that the loan term be for at least one year, with minimum monthly payments. Do not get a simple one-year loan with no payments. This will not benefit you at all, because you are trying to establish a history of payments.&lt;/p&gt;&lt;p&gt;You will not be turned down for this type of loan no matter what your previous credit history and in most cases it will not even be checked. If you have bad credit, make sure you tell your loan officer before he or she pulls your credit history. Tell the bank representative you are trying to re-establish your credit and that a good credit rating is very important to you now.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;h3 style=&quot;text-align: left;&quot;&gt;STEP 4 – Make Your Payments&lt;/h3&gt;&lt;p&gt;Assuming an interest rate cost of 6%, your monthly payments on the $850 loan will be $73.16. (Remember, this is a secured loan, so the interest rate should be fairly low.) Since you have &quot;borrowed&quot; $850 in cash, you will use that money to keep the payments going on the loan. Be sure to make your payments well before the due dates. Always pay EARLY in order to be on the safe side in establishing good payment history.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;h3 style=&quot;text-align: left;&quot;&gt;STEP 5 – Pay Off the Loan Early&lt;/h3&gt;&lt;p&gt;After six months, pay off the loan early. At this point, you will have approximately $980 remaining from your original $1,000 deposit, part of it as cash on-hand, and some remaining in the savings account. You will have paid a whopping $20.31 in interest (assuming the rate was 6% for the secured loan). I&#39;m sure you will agree that $20 is a small price to pay for adding six months&#39; worth of good payment history to your credit report!&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;h3 style=&quot;text-align: left;&quot;&gt;STEP 6 – Make Sure the Loan Shows on Your Credit Report&lt;/h3&gt;&lt;p&gt;After you have paid off the loan, obtain fresh copies of your credit reports to verify that the loan payment history is showing correctly. Since you selected a bank that reports regularly to the big three credit bureaus, everything should show up correctly. But mistakes do happen. If the loan is not reported correctly, ask the bank directly to fix the omission or ask the credit bureaus in writing to add the credit reference to your report.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;h2 style=&quot;text-align: left;&quot;&gt;In Conclusion&lt;/h2&gt;&lt;p&gt;The Passbook Savings Loan Technique is a simplified version of the more complicated &quot;Three Bank Technique.&quot; Basically, the concept is to use the secured loan proceeds from one bank to open up another account at a second bank, and then to repeat the process for a third bank. The math is a lot more complicated, but the principle is the same, with the added benefit of having three simultaneous loans adding positive payment history to your credit report. This approach costs a little more in interest expenses, and involves a lot more work, but can really turbo-charge your positive credit history.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;If you&#39;re curious about the latest Tech &amp;amp; SaaS Solution, please kindly visit &lt;a href=&quot;https://www.techvarieties.com&quot;&gt;https://www.techvarieties.com&lt;/a&gt; to get the latest&amp;nbsp; news about software and technology.&lt;/p&gt;
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243.  
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245. </div>
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247. </div>
248. </div>
249. </content><link rel='replies' type='application/atom+xml' href='https://3000dollarsamsuga.blogspot.com/feeds/5809083490693438436/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='https://3000dollarsamsuga.blogspot.com/2022/12/2-proven-techniques-to-increase-your.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='https://www.blogger.com/feeds/1032303387894095635/posts/default/5809083490693438436'/><link rel='self' type='application/atom+xml' href='https://www.blogger.com/feeds/1032303387894095635/posts/default/5809083490693438436'/><link rel='alternate' type='text/html' href='https://3000dollarsamsuga.blogspot.com/2022/12/2-proven-techniques-to-increase-your.html' title='2 Proven Techniques to Increase your Credit Score '/><author><name>Unknown</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhDfjkXtY65pa5lnzMqxqL8e6i8rrCEyBA1xLoRvdeKOSxaMcs2weamtvIDEDXAZvLRl9ZPfUnQLXRxHcm8NsY6zuVZgDT82a1jymGzNOkWP1QV_8bggfFz0ENNbsE-qDraEVEmyA3utkm_c4wp4U3IHkwrhD42K_E6fpM-Ev27cdmQPqz9Vu_ZESlF/s72-w400-h266-c/10.jpg" height="72" width="72"/><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-1032303387894095635.post-9112427753765831898</id><published>2022-12-26T13:03:00.001+07:00</published><updated>2022-12-26T13:03:00.198+07:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="credit cards"/><category scheme="http://www.blogger.com/atom/ns#" term="debt"/><category scheme="http://www.blogger.com/atom/ns#" term="investing"/><category scheme="http://www.blogger.com/atom/ns#" term="money"/><category scheme="http://www.blogger.com/atom/ns#" term="Saving"/><category scheme="http://www.blogger.com/atom/ns#" term="spending less"/><title type='text'>29 Tips on Creating Surplus Cash For Savings and Investments</title><content type='html'>&lt;div class=&quot;separator&quot; style=&quot;clear: both; text-align: center;&quot;&gt;&lt;a href=&quot;https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi7m26Rt6Pq1YmqSlVQNmyuehWN89qezreA6o_mvBe_bFqxu2l3Yu6rvS-J6iTXMr7pBJq1zhkYBE7BvIJtL-MzOCeI0FIStKIiPFKeZXN_atLgbg5T6OXJZCEbeGu1JZUVR1hz7oleUffDjsLspLxteo0LjEy_ieRyX3VKoaaD9mCZ96VQC0bHr6BH/s6000/9.jpg&quot; imageanchor=&quot;1&quot; style=&quot;margin-left: 1em; margin-right: 1em;&quot;&gt;&lt;img alt=&quot;Personally - 29 Tips on Creating Surplus Cash For Savings and Investments&quot; border=&quot;0&quot; data-original-height=&quot;3772&quot; data-original-width=&quot;6000&quot; height=&quot;251&quot; src=&quot;https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi7m26Rt6Pq1YmqSlVQNmyuehWN89qezreA6o_mvBe_bFqxu2l3Yu6rvS-J6iTXMr7pBJq1zhkYBE7BvIJtL-MzOCeI0FIStKIiPFKeZXN_atLgbg5T6OXJZCEbeGu1JZUVR1hz7oleUffDjsLspLxteo0LjEy_ieRyX3VKoaaD9mCZ96VQC0bHr6BH/w400-h251/9.jpg&quot; width=&quot;400&quot; /&gt;&lt;/a&gt;&lt;/div&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;You know you need to be saving money but you never seem to have enough at the end of the month or worse, you are further in debt.&lt;/p&gt;&lt;p&gt;Living below your means is more a matter of self-discipline. A few adjustments here and there could be all it takes to have the necessary funds available for saving and investing.&lt;/p&gt;&lt;p&gt;Some mutual funds can be opened up for as little as $200 with minimum contributions around $50.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;h2 style=&quot;text-align: left;&quot;&gt;Here’s 29 Tips to Save Money by Spending Less.&lt;/h2&gt;&lt;p&gt;Open up bank accounts that have little or no service fees. Keep a cushion to avoid accidental bounced checks. These can eat you alive. Be sure to maintain your minimum balance to avoid service charges.&lt;/p&gt;&lt;p style=&quot;margin-left: 39.15pt; mso-list: l0 level1 lfo1; text-indent: -18pt;&quot;&gt;&lt;!--[if !supportLists]--&gt;1.&lt;span style=&quot;font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;&quot;&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;
250. </span><!--[endif]-->Try to avoid banks that charge you a transaction fee
251. for using their debit cards<b>.</b> If you have no choice, plan how much money you
252. will need in a given period and then withdraw it all at once to avoid too many
253. transaction fees.<o:p></o:p></p><p style="margin-left: 39.15pt;"><o:p> </o:p></p><p style="margin-left: 39.15pt; mso-list: l0 level1 lfo1; text-indent: -18pt;"><!--[if !supportLists]-->2.<span style="font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">    
254. </span><!--[endif]-->Compare credit cards. Look for the ones that have
255. little or no annual fees. It’s not too hard to find those with no annual fee.<o:p></o:p></p><p><o:p> </o:p></p><p style="margin-left: 39.15pt; mso-list: l0 level1 lfo1; text-indent: -18pt;"><!--[if !supportLists]-->3.<span style="font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">    
256. </span><!--[endif]-->Avoid specialty store charge cards as they often have
257. interest rates six or seven points higher than major credit cards.<o:p></o:p></p><p><o:p> </o:p></p><p style="margin-left: 39.15pt; mso-list: l0 level1 lfo1; text-indent: -18pt;"><!--[if !supportLists]-->4.<span style="font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">    
258. </span><!--[endif]-->Never choose a card based solely on incentives or
259. reward programs. These include auto reward points and air travel miles. These
260. cards may lead you to spend more money over time than you can afford.<o:p></o:p></p><p><o:p> </o:p></p><p style="margin-left: 39.15pt; mso-list: l0 level1 lfo1; text-indent: -18pt;"><!--[if !supportLists]-->5.<span style="font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">    
261. </span><!--[endif]-->Most importantly, avoid unnecessary interest charges by
262. paying off the complete monthly balance. You can avoid hundreds of dollars in
263. interest expenses on an annual basis.<o:p></o:p></p><p><o:p> </o:p></p><p style="margin-left: 39.15pt; mso-list: l0 level1 lfo1; text-indent: -18pt;"><!--[if !supportLists]-->6.<span style="font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">    
264. </span><!--[endif]-->When you buy a car, consider buying one that is one to
265. three years old. A one-year old car will be about 20% to 30% less than a new
266. car. A three-year old car is a good buy because it could be around half the
267. price of a new car. A car depreciates the most in its first three years. After
268. that the depreciation levels off and it will lose less of its value. <o:p></o:p></p><p><o:p> </o:p></p><p style="margin-left: 39.15pt; mso-list: l0 level1 lfo1; text-indent: -18pt;"><!--[if !supportLists]-->7.<span style="font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">    
269. </span><!--[endif]-->Another good saving when buying a used car is you will
270. pay less for the insurance.<o:p></o:p></p><p><o:p> </o:p></p><p style="margin-left: 39.15pt; mso-list: l0 level1 lfo1; text-indent: -18pt;"><!--[if !supportLists]-->8.<span style="font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">    
271. </span><!--[endif]-->When going on vacation, consider staying in your home state
272. instead of long distance trips or even international travel. It's often cheaper
273. to travel within your own borders, that way, you avoid visa and passport costs,
274. border hassles, currency exchanges, tropical shots, medication, and additional
275. health insurance. Frequently, people travel thousands of miles to see sights
276. not nearly as spectacular as what's next door.<o:p></o:p></p><p><o:p> </o:p></p><p style="margin-left: 39.15pt; mso-list: l0 level1 lfo1; text-indent: -18pt;"><!--[if !supportLists]-->9.<span style="font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">    
277. </span><!--[endif]-->You should consider off-season vacations. Travel at a
278. time when everyone else is at work or school, and the staff will actually be
279. glad to see you. You may also save 50% or more on the usual travel expenses.<o:p></o:p></p><p><o:p> </o:p></p><p style="margin-left: 39.15pt; mso-list: l0 level1 lfo1; text-indent: -18pt;"><!--[if !supportLists]-->10.<span style="font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">  </span><!--[endif]-->Avoid
280. large cities and tourist traps; you'll save a ton by avoiding these places,
281. where you pay more to eat, drink, sleep, and travel. If you do decide to visit
282. a big city, consider accommodations in a smaller town close by.<o:p></o:p></p><p><o:p> </o:p></p><p style="margin-left: 39.15pt; mso-list: l0 level1 lfo1; text-indent: -18pt;"><!--[if !supportLists]-->11.<span style="font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">  </span><!--[endif]-->If
283. you have a lot of credit card debt at high rates, look into consolidating your
284. debt at a lower rate.<o:p></o:p></p><p><o:p> </o:p></p><p style="margin-left: 39.15pt; mso-list: l0 level1 lfo1; text-indent: -18pt;"><!--[if !supportLists]-->12.<span style="font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">  </span><!--[endif]-->Refrain
285. from making impulse purchases. Exercise self-discipline. <o:p></o:p></p><p><o:p> </o:p></p><p style="margin-left: 39.15pt; mso-list: l0 level1 lfo1; text-indent: -18pt;"><!--[if !supportLists]-->13.<span style="font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">  </span><!--[endif]-->Refinance
286. your mortgage or debt at a lower rate.<o:p></o:p></p><p><o:p> </o:p></p><p style="margin-left: 39.15pt; mso-list: l0 level1 lfo1; text-indent: -18pt;"><!--[if !supportLists]-->14.<span style="font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">  </span><!--[endif]-->Refinance
287. your car loan at a lower rate.<o:p></o:p></p><p><o:p> </o:p></p><p style="margin-left: 39.15pt; mso-list: l0 level1 lfo1; text-indent: -18pt;"><!--[if !supportLists]-->15.<span style="font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">  </span><!--[endif]-->Shop
288. around for cheaper car insurance rates. There can be a big difference.<o:p></o:p></p><p><o:p> </o:p></p><p style="margin-left: 39.15pt; mso-list: l0 level1 lfo1; text-indent: -18pt;"><!--[if !supportLists]-->16.<span style="font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">  </span><!--[endif]-->Lower
289. your phone bill by using self-control on long distance calling.<o:p></o:p></p><p><o:p> </o:p></p><p style="margin-left: 39.15pt; mso-list: l0 level1 lfo1; text-indent: -18pt;"><!--[if !supportLists]-->17.<span style="font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">  </span><!--[endif]-->Use
290. a phone card for long distance or international calls.<o:p></o:p></p><p><o:p> </o:p></p><p style="margin-left: 39.15pt; mso-list: l0 level1 lfo1; text-indent: -18pt;"><!--[if !supportLists]-->18.<span style="font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">  </span><!--[endif]-->Use
291. coupons when you shop.<o:p></o:p></p><p><o:p> </o:p></p><p style="margin-left: 39.15pt; mso-list: l0 level1 lfo1; text-indent: -18pt;"><!--[if !supportLists]-->19.<span style="font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">  </span><!--[endif]-->Don't
292. buy things just because they are on sale.<o:p></o:p></p><p><o:p> </o:p></p><p style="margin-left: 39.15pt; mso-list: l0 level1 lfo1; text-indent: -18pt;"><!--[if !supportLists]-->20.<span style="font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">  </span><!--[endif]-->Wait
293. for things to go on sale before buying them. Keep a record of when things go on
294. sale. Some items will seasonally go on sale. Ask stores when certain things
295. will go on sale.<o:p></o:p></p><p><o:p> </o:p></p><p style="margin-left: 39.15pt; mso-list: l0 level1 lfo1; text-indent: -18pt;"><!--[if !supportLists]-->21.<span style="font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">  </span><!--[endif]-->Buy
296. generic, or non-name brand merchandise. Most times the quality is just as good.<o:p></o:p></p><p><o:p> </o:p></p><p style="margin-left: 39.15pt; mso-list: l0 level1 lfo1; text-indent: -18pt;"><!--[if !supportLists]-->22.<span style="font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">  </span><!--[endif]-->Stop
297. smoking. This habit is extremely expensive.<o:p></o:p></p><p><o:p> </o:p></p><p style="margin-left: 39.15pt; mso-list: l0 level1 lfo1; text-indent: -18pt;"><!--[if !supportLists]-->23.<span style="font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">  </span><!--[endif]-->Contribute
298. the maximum each year to your 401K or to an IRA.<o:p></o:p></p><p><o:p> </o:p></p><p style="margin-left: 39.15pt; mso-list: l0 level1 lfo1; text-indent: -18pt;"><!--[if !supportLists]-->24.<span style="font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">  </span><!--[endif]-->Remember,
299. paying down debt is also a way to save money. If you can make extra payments on
300. your mortgage or go for a 15 year mortgage instead of a 30 year mortgage. The savings
301. are enormous.<o:p></o:p></p><p><o:p> </o:p></p><p style="margin-left: 39.15pt; mso-list: l0 level1 lfo1; text-indent: -18pt;"><!--[if !supportLists]-->25.<span style="font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">  </span><!--[endif]-->Reduce
302. the number of times you eat out. Oftentimes eating out at a restaurant involves
303. paying a lot of money for over-priced and over-sized meals.  For healthy
304. meals and to save money, eat at home.<o:p></o:p></p><p><o:p> </o:p></p><p style="margin-left: 39.15pt; mso-list: l0 level1 lfo1; text-indent: -18pt;"><!--[if !supportLists]-->26.<span style="font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">  </span><!--[endif]-->Watch
305. videos or DVDs at home instead of going to the movies. Pop your own popcorn
306. instead of paying a lot for theater popcorn.<o:p></o:p></p><p><o:p> </o:p></p><p style="margin-left: 39.15pt; mso-list: l0 level1 lfo1; text-indent: -18pt;"><!--[if !supportLists]-->27.<span style="font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">  </span><!--[endif]-->Evaluate
307. your entertainment and recreational activities. Many are very expensive to
308. participate in. There are many others that are just as fun and entertaining
309. that are at the fraction of the cost.<o:p></o:p></p><p><o:p> </o:p></p><p style="margin-left: 39.15pt; mso-list: l0 level1 lfo1; text-indent: -18pt;"><!--[if !supportLists]-->28.<span style="font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">  </span><!--[endif]-->Don't
310. try to compete with your friends and neighbors. Sometimes, an apparent
311. prosperous lifestyle can be an illusion. Those illusions come with a lot of
312. debt. It’s much better to have peace of mind.<o:p></o:p></p><p><o:p> </o:p></p><p style="margin-left: 39.15pt; mso-list: l0 level1 lfo1; text-indent: -18pt;"><!--[if !supportLists]-->29.<span style="font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">  </span><!--[endif]-->Be
313. alert. There are always ways to save money. Soon you will yourself with money
314. you never knew you had. The key is to put that money to work for you instead of
315. spending it.<o:p></o:p></p><p>If you're curious about the latest Tech & SaaS Solution, please kindly visit <a href="https://www.techvarieties.com">https://www.techvarieties.com</a> to get the latest  news about software and technology.</p><p>
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518. &lt;p&gt;&lt;/p&gt;&lt;p class=&quot;MsoNormal&quot;&gt;&lt;span lang=&quot;EN-US&quot;&gt;&amp;nbsp;&lt;/span&gt;&lt;/p&gt;</content><link rel='replies' type='application/atom+xml' href='https://3000dollarsamsuga.blogspot.com/feeds/9112427753765831898/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='https://3000dollarsamsuga.blogspot.com/2022/12/29-tips-on-creating-surplus-cash-for.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='https://www.blogger.com/feeds/1032303387894095635/posts/default/9112427753765831898'/><link rel='self' type='application/atom+xml' href='https://www.blogger.com/feeds/1032303387894095635/posts/default/9112427753765831898'/><link rel='alternate' type='text/html' href='https://3000dollarsamsuga.blogspot.com/2022/12/29-tips-on-creating-surplus-cash-for.html' title='29 Tips on Creating Surplus Cash For Savings and Investments'/><author><name>Unknown</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi7m26Rt6Pq1YmqSlVQNmyuehWN89qezreA6o_mvBe_bFqxu2l3Yu6rvS-J6iTXMr7pBJq1zhkYBE7BvIJtL-MzOCeI0FIStKIiPFKeZXN_atLgbg5T6OXJZCEbeGu1JZUVR1hz7oleUffDjsLspLxteo0LjEy_ieRyX3VKoaaD9mCZ96VQC0bHr6BH/s72-w400-h251-c/9.jpg" height="72" width="72"/><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-1032303387894095635.post-623298663493875301</id><published>2022-12-25T11:48:00.010+07:00</published><updated>2022-12-25T11:48:00.165+07:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="cheap life insurance"/><category scheme="http://www.blogger.com/atom/ns#" term="term insurance"/><category scheme="http://www.blogger.com/atom/ns#" term="term life insurance"/><title type='text'>Term Life Insurance - Save Money the Smart Way</title><content type='html'>&lt;div class=&quot;separator&quot; style=&quot;clear: both; text-align: center;&quot;&gt;&lt;a href=&quot;https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiPoqAhTnRjR2-gLbejcht2VxtLZSe5LhzbSAgggvQV4lf06nkl3spxmOCmFi2p6mBzWmxoq7uRsooLuQB2UgYYHh90t6ktdQaoYTkaFyi9gkudR2BCvHyK_jQVgK8NJ8L5Vk851xeC4JBGLd-gtY8SUKLFyDZ66WoHz_nSd02BPSlvS18sIf24vQez/s5184/8.jpg&quot; imageanchor=&quot;1&quot; style=&quot;margin-left: 1em; margin-right: 1em;&quot;&gt;&lt;img alt=&quot;Personally - Term Life Insurance - Save Money the Smart Way&quot; border=&quot;0&quot; data-original-height=&quot;3888&quot; data-original-width=&quot;5184&quot; height=&quot;300&quot; src=&quot;https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiPoqAhTnRjR2-gLbejcht2VxtLZSe5LhzbSAgggvQV4lf06nkl3spxmOCmFi2p6mBzWmxoq7uRsooLuQB2UgYYHh90t6ktdQaoYTkaFyi9gkudR2BCvHyK_jQVgK8NJ8L5Vk851xeC4JBGLd-gtY8SUKLFyDZ66WoHz_nSd02BPSlvS18sIf24vQez/w400-h300/8.jpg&quot; width=&quot;400&quot; /&gt;&lt;/a&gt;&lt;/div&gt;&lt;h2 style=&quot;text-align: left;&quot;&gt;What is Term Life Insurance&lt;/h2&gt;&lt;div&gt;Term life insurance is the easiest type of life insurance to understand. To put it simply, the insured person pays a minimal premium per thousand dollars of coverage on an annual, semi annual, quarterly or monthly basis. If he or she dies within the term of the policy, the life insurance company will pay the beneficiary the face value of the policy.&lt;/div&gt;&lt;blockquote&gt;&lt;div&gt;To put it simply, the insured person pays a minimal premium per thousand dollars of coverage on an annual, semi annual, quarterly or monthly basis.&lt;/div&gt;&lt;/blockquote&gt;&lt;h3 style=&quot;text-align: left;&quot;&gt;Distinctive Features of Term Life Insurance&lt;/h3&gt;&lt;div&gt;To better understand some of the distinctive features of term life insurance consider the following points:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;1. Term life insurance is &quot;pure insurance&quot; because when you purchase a term insurance policy &lt;b&gt;you are only buying a &quot;death benefit&quot;&lt;/b&gt;. Unlike with other types of&amp;nbsp; &quot;permanent&amp;nbsp; insurance&quot; such as whole life, universal life, and variable universal life, there is no additional cash value built up with this kind of policy. Term insurance only gives you a specific death benefit.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: left;&quot;&gt;2. &lt;b&gt;T&lt;/b&gt;&lt;b&gt;he coverage is for a defined period of time&lt;/b&gt; (the &quot;term&quot;) such as 1 year, 5 years, 10 years, 15 years, and so on. Once the policy is in force, it only remains in force until the end of the term -- assuming you pay the premiums, of course.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;3. Most term insurance policies are renewable at the end of the term. With what is known as &quot;Level Term Life Insurance&quot;, the death benefit remains the same throughout the term of the policy, but since the insured person is getting older, the premium will gradually increase. As time goes by the cost of a level term insurance policy may become greater than you are willing to pay for a simple death benefit. An alternative is the &quot;Decreasing Term Life Insurance&quot; policy in which the premium remains the same, but the death benefit goes down as time goes by.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;4. Most term policies can be converted to permanent policies within a specific number of years. If you decide it is important to retain the insurance coverage, converting may be something you should plan for. You can anticipate the accelerating cost of term insurance premiums and convert your policy before the premiums become prohibitively high. It is true that in the short term the premium will usually be higher than if you stayed with the term policy. But over the long term this difference will decrease because of the rapid acceleration of the term insurance premium as you get older. A permanent policy also accumulates cash value which increases the total death benefit paid to your beneficiary.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;h3 style=&quot;text-align: left;&quot;&gt;Popular Uses of Term Life Insurance&lt;/h3&gt;&lt;div&gt;Term life insurance is most appropriate whenever you want to protect your beneficiaries from a sudden financial burden as the result of your death. Here are some of the most common uses of term life insurance.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;&lt;ul style=&quot;text-align: left;&quot;&gt;&lt;li&gt;&lt;b&gt;Personal Costs Due to Death &lt;/b&gt;- When a spouse or family member dies there will be immediate costs. Many people purchase a relatively small term life insurance policy to cover these costs.&lt;/li&gt;&lt;/ul&gt;&lt;/div&gt;&lt;div&gt;&lt;ul style=&quot;text-align: left;&quot;&gt;&lt;li&gt;&lt;b&gt;Mortgage Insurance&lt;/b&gt; - Banks and financial institutions often insist that mortgage holders retain a term life insurance policy sufficient to pay out their mortgage. Such policies make the bank the beneficiary of the policy. If the mortgage holder should happen to die before the mortgage is paid off, the insurance policy will pay it out. This is also a great benefit to a spouse whose earning power will likely be decreased due to the death of his or her partner.&lt;/li&gt;&lt;/ul&gt;&lt;/div&gt;&lt;div&gt;&lt;ul style=&quot;text-align: left;&quot;&gt;&lt;li&gt;&lt;b&gt;Business Partner Insurance&lt;/b&gt; - Term insurance is also used by business people to cover outstanding loans with their bank, or to purchase a deceased partner&#39;s shares on death, if they had an agreement to do so. Most partnerships have an agreement of this sort, and the policy premiums are paid by the business.&amp;nbsp;&lt;/li&gt;&lt;/ul&gt;&lt;/div&gt;&lt;div&gt;&lt;ul style=&quot;text-align: left;&quot;&gt;&lt;li&gt;&lt;b&gt;Key Person Insurance&lt;/b&gt; - When a company loses key individuals due to death, this can often result in hardship to the company. Key person insurance is purchased by the company for any individual it deems to be &quot;key&quot;. The company itself is made the beneficiary of the policy. So when a &quot;key&quot; person dies, the company receives a cash injection to handle the problems associated with replacing that person.&lt;/li&gt;&lt;/ul&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;h3 style=&quot;text-align: left;&quot;&gt;Things to Look for When Getting a Quote for Term Life Insurance&lt;/h3&gt;&lt;div&gt;1. &lt;b&gt;The cheapest rate today will not be the cheapest rate tomorrow.&lt;/b&gt; For instance, the cheapest premium today will likely be for a Yearly Renewable Term policy. This policy is renewed every year at which time your premium is also adjusted upwards. This is fine if you intend to convert to a longer term solution (permanent insurance) in a year or two, or if you have a very short term requirement for insurance. But if you think you will need this insurance for a longer period, you would be better to commit to something like a Ten Year Term Policy. This locks your premium and death benefit in for ten years. Your rates will not increase until you renew.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;2. &lt;b&gt;Compare coverage and premium projections for different policies.&lt;/b&gt; Think about the long term and get the coverage that saves you money in the long run.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;3. &lt;b&gt;Make sure you completely understand&lt;/b&gt; the conversion options built into the different policies you are considering. Most policies will let you convert part or all of your term insurance into permanent insurance within a specific period of time, and without the need of a medical examination.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;4. For some situations &lt;b&gt;you should consider options such as Decreasing Term Life Insurance &lt;/b&gt;in which the death benefit decreases as time goes by. This makes sense if the policy is being used to cover a mortgage or business loan.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;Term life insurance is not the answer to all life insurance requirements, but it should be part of a sound plan for every person&#39;s financial future.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;&lt;div&gt;If you&#39;re curious about the latest Tech &amp;amp; SaaS Solution, please kindly visit &lt;a href=&quot;https://www.techvarieties.com&quot;&gt;https://www.techvarieties.com&lt;/a&gt; to get the latest&amp;nbsp; news about software and technology.&lt;/div&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;
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659. </content><link rel='replies' type='application/atom+xml' href='https://3000dollarsamsuga.blogspot.com/feeds/623298663493875301/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='https://3000dollarsamsuga.blogspot.com/2022/12/term-life-insurance-save-money-smart-way.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='https://www.blogger.com/feeds/1032303387894095635/posts/default/623298663493875301'/><link rel='self' type='application/atom+xml' href='https://www.blogger.com/feeds/1032303387894095635/posts/default/623298663493875301'/><link rel='alternate' type='text/html' href='https://3000dollarsamsuga.blogspot.com/2022/12/term-life-insurance-save-money-smart-way.html' title='Term Life Insurance - Save Money the Smart Way'/><author><name>Unknown</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiPoqAhTnRjR2-gLbejcht2VxtLZSe5LhzbSAgggvQV4lf06nkl3spxmOCmFi2p6mBzWmxoq7uRsooLuQB2UgYYHh90t6ktdQaoYTkaFyi9gkudR2BCvHyK_jQVgK8NJ8L5Vk851xeC4JBGLd-gtY8SUKLFyDZ66WoHz_nSd02BPSlvS18sIf24vQez/s72-w400-h300-c/8.jpg" height="72" width="72"/><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-1032303387894095635.post-968348937402689556</id><published>2022-12-24T11:31:00.009+07:00</published><updated>2022-12-24T11:31:00.168+07:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="ira rollover"/><title type='text'>Retiring or leaving the company and How to Properly do an IRA Rollover? </title><content type='html'>&lt;div class=&quot;separator&quot; style=&quot;clear: both; text-align: center;&quot;&gt;&lt;a href=&quot;https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEis0Pf9-OROvSvERj-GLBnj6aStxxupdVpzN8BWxeryciNenGLuPKmUzsqK24YFTDZEOfoq2M7fCGPjYSev5ZQuAhrnVZjJLy0zuobJGCGQMOoUiMibBoQ5vijdw1shrxNQc9S3qbUYk38T4aL1_uoWPm8pyw0sPB8PvcOUS0dFtUGnxA8ZrYSut1xo/s3216/7.jpg&quot; imageanchor=&quot;1&quot; style=&quot;margin-left: 1em; margin-right: 1em;&quot;&gt;&lt;img alt=&quot;Personally - Retiring or leaving the company and How to Properly do an IRA Rollover?&quot; border=&quot;0&quot; data-original-height=&quot;2136&quot; data-original-width=&quot;3216&quot; height=&quot;266&quot; src=&quot;https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEis0Pf9-OROvSvERj-GLBnj6aStxxupdVpzN8BWxeryciNenGLuPKmUzsqK24YFTDZEOfoq2M7fCGPjYSev5ZQuAhrnVZjJLy0zuobJGCGQMOoUiMibBoQ5vijdw1shrxNQc9S3qbUYk38T4aL1_uoWPm8pyw0sPB8PvcOUS0dFtUGnxA8ZrYSut1xo/w400-h266/7.jpg&quot; width=&quot;400&quot; /&gt;&lt;/a&gt;&lt;/div&gt;&lt;h2 style=&quot;text-align: left;&quot;&gt;Choose Your Retirement Plan&lt;/h2&gt;&lt;div&gt;Whether you are retiring or changing jobs, you need to know what to do with your employer sponsored retirement plan before your leave. Once you leave a job for whatever reason, you can choose to:&amp;nbsp;&lt;/div&gt;&lt;div&gt;&lt;ul style=&quot;text-align: left;&quot;&gt;&lt;li&gt;Rollover the money into an IRA (ira rollover)&lt;/li&gt;&lt;li&gt;Take the lump sum and pay the income tax and potential penalties&lt;/li&gt;&lt;li&gt;Leave the money at the company if the company offers that as an option&lt;/li&gt;&lt;li&gt;Rollover the money into your new employer&#39;s plan, if that plan accepts rollovers&lt;/li&gt;&lt;/ul&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;Realize that the above are options offered by IRS. However, your employer&#39;s rules may be more restrictive and if so, there&#39;s nothing you can do. For example, if you have a pension plan that offers payout options over your lifetime or jointly over the lifetime&#39;s of you and your spouse, but there is no option to rollover a lump sum to an IRA (ira rollover), than the rollover option isn&#39;t available to you. In other words, the &quot;summary plan document&quot; rules. You may want to get a copy of that now and have your financial advisor review it so that you know what options you have.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;So the starting point is to get the information from your employer plan as to the options available to you.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;h2 style=&quot;text-align: left;&quot;&gt;What is an IRA Rollover?&lt;/h2&gt;&lt;div&gt;IRA rollover means to move money from a retirement plan such as a 401(k), 403b (tax sheltered annuity) or 457 (municipal deferred compensation) into an IRA or other plan. If you receive a payout from your employer-sponsored retirement plan, a rollover IRA could be to your advantage. You will continue to receive the tax-deferred status of your retirement savings and will avoid penalties and taxes.&amp;nbsp;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;There are two reasons that rollovers are favored over other options:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;&lt;ul style=&quot;text-align: left;&quot;&gt;&lt;li&gt;You have virtually unlimited investment selections. Unlike your employer&#39;s plan which may have six investment options or even 50 investment options, in a self-directed IRA, you can choose any stock, any mutual fund and a host of other options listed later.&lt;/li&gt;&lt;/ul&gt;&lt;/div&gt;&lt;div&gt;&lt;ul style=&quot;text-align: left;&quot;&gt;&lt;li&gt;Company plans often can restrict choices for non-spouse beneficiaries. Specifically, they may not be able to stretch IRA distributions over their lifetime. The benefit of this &quot;stretch&quot; is it defers taxes and allows the funds to potentially grow longer and larger in a tax-deferred environment.&lt;/li&gt;&lt;/ul&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;The reason to leave your retirement plan with your company (if they permit this) is because your company plan is covered by ERISA and is protected from creditors. However, under the new Bankruptcy Abuse Prevention and Consumer Protection Act of 2005, the creditor protection will follow the money if it is rolled into an IRA and not commingled with other IRA money (from annual contributions).&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;h2 style=&quot;text-align: left;&quot;&gt;Combining with Other Retirement Accounts&lt;/h2&gt;&lt;div&gt;The rollover IRA is usually funded by the eligible distributions from a company sponsored retirement plan. These distributions can be combined with your existing IRA(s) or placed into a separate IRA, but see the new creditor protection rule mentioned above. In fact, the IRS permits these funds to be combined with other types of retirement accounts. For example, say you have been self- employed and you have a one-person profit sharing plan (often referred to as Keogh plans), you could rollover the employer-plan assets into your profit sharing plan. Or, if you have a second job and that employer has a 403(b) plan and also accepts IRA rollover contributions, you could rollover your 401(k) balance into that 403(b) plan.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;h2 style=&quot;text-align: left;&quot;&gt;Completing your IRA Rollover&lt;/h2&gt;&lt;div&gt;When it&#39;s time to retire, you have a few options on moving the money from your employer&#39;s plan.&amp;nbsp;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;&lt;ul style=&quot;text-align: left;&quot;&gt;&lt;li&gt;&lt;b&gt;Direct IRA Rollover&lt;/b&gt;: Your employer can directly rollover your retirement plan payout into a Rollover IRA and you will avoid the 20% IRS withholding tax. This is exactly what you should do by providing your employer the name, address and account number for your new Rollover IRA custodian. For example, you give your employer instructions to send your retirement account to ABC securities, account #8889999. Funds are sent directly to the IRA account and you never touch them. This is the preferred method of moving retirement funds.&lt;/li&gt;&lt;/ul&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;&lt;ul style=&quot;text-align: left;&quot;&gt;&lt;li&gt;&lt;b&gt;Payout by Check&lt;/b&gt;: If your employer hands you a check for your retirement funds, the employer must withhold 20% for potential taxes. You can avoid the 20% IRS withholding tax on a payout by check from your employer if you deposit the check plus 20% into a rollover IRA within 60 days. In order to complete the tax free rollover, you now have 80% of your IRA rollover in your hand and you must take the other 20% out of your pocket so that you have a completely tax free rollover (you will get the 20% income tax withheld as a refund after you file your tax return). Don&#39;t allow your employer to give you a check, as this requires you to take money out of your pocket to complete your rollover.&lt;/li&gt;&lt;/ul&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;&lt;ul style=&quot;text-align: left;&quot;&gt;&lt;li&gt;&lt;b&gt;Taking a lump sum distribution&lt;/b&gt;: This is typically not a wise option because you will pay income tax on the distribution and a 10% penalty if under age 59 ½. However, there may be reasons to take a taxable distribution. If you are set on buying a $300,000 boat and spending the rest of your life floating about the globe, then you may need to take your retirement funds now and pay tax. However, if you can avoid using these funds currently, you&#39;ll hopefully have a nest egg when you&#39;re old.&lt;/li&gt;&lt;/ul&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;&lt;div&gt;If you&#39;re curious about the latest Tech &amp;amp; SaaS Solution, please kindly visit &lt;a href=&quot;https://www.techvarieties.com&quot;&gt;https://www.techvarieties.com&lt;/a&gt; to get the latest&amp;nbsp; news about software and technology.&lt;/div&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;
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888. </content><link rel='replies' type='application/atom+xml' href='https://3000dollarsamsuga.blogspot.com/feeds/968348937402689556/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='https://3000dollarsamsuga.blogspot.com/2022/12/retiring-or-leaving-company-and-how-to.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='https://www.blogger.com/feeds/1032303387894095635/posts/default/968348937402689556'/><link rel='self' type='application/atom+xml' href='https://www.blogger.com/feeds/1032303387894095635/posts/default/968348937402689556'/><link rel='alternate' type='text/html' href='https://3000dollarsamsuga.blogspot.com/2022/12/retiring-or-leaving-company-and-how-to.html' title='Retiring or leaving the company and How to Properly do an IRA Rollover? '/><author><name>Unknown</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEis0Pf9-OROvSvERj-GLBnj6aStxxupdVpzN8BWxeryciNenGLuPKmUzsqK24YFTDZEOfoq2M7fCGPjYSev5ZQuAhrnVZjJLy0zuobJGCGQMOoUiMibBoQ5vijdw1shrxNQc9S3qbUYk38T4aL1_uoWPm8pyw0sPB8PvcOUS0dFtUGnxA8ZrYSut1xo/s72-w400-h266-c/7.jpg" height="72" width="72"/><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-1032303387894095635.post-6489497392279194724</id><published>2022-12-23T10:43:00.008+07:00</published><updated>2022-12-23T10:43:00.155+07:00</updated><category scheme="http://www.blogger.com/atom/ns#" term="credit score"/><category scheme="http://www.blogger.com/atom/ns#" term="Empirica"/><category scheme="http://www.blogger.com/atom/ns#" term="Equifax"/><category scheme="http://www.blogger.com/atom/ns#" term="establish credit"/><category scheme="http://www.blogger.com/atom/ns#" term="Experian"/><category scheme="http://www.blogger.com/atom/ns#" term="imporve credit score"/><category scheme="http://www.blogger.com/atom/ns#" term="rebuild credit"/><category scheme="http://www.blogger.com/atom/ns#" term="repair credit"/><category scheme="http://www.blogger.com/atom/ns#" term="TransUnion"/><title type='text'>5 Things you Need to Know About Your Credit Score</title><content type='html'>&lt;div class=&quot;separator&quot; style=&quot;clear: both; text-align: center;&quot;&gt;&lt;a href=&quot;https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi946Q_R7jXv-PLB-vQuv3kxdoIJhEA2KK6HPpsgg2O4ocgMxwjvJu7mi7EtabnTCEdU7qA0GlSONu_VJwck33HTIK2wdIAGHRDtswFBbisOiEHCc1Tqlb1DFSzcPx4cJh4NqtzxI8Y5FUQbyv34JcNwdpytGN7NZuDeA8upc8JlN_K7S_7-UOF-ZXe/s6720/6.jpg&quot; style=&quot;margin-left: 1em; margin-right: 1em;&quot;&gt;&lt;img alt=&quot;Personally - 5 Things you Need to Know About Your Credit Score&quot; border=&quot;0&quot; data-original-height=&quot;4480&quot; data-original-width=&quot;6720&quot; height=&quot;266&quot; src=&quot;https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi946Q_R7jXv-PLB-vQuv3kxdoIJhEA2KK6HPpsgg2O4ocgMxwjvJu7mi7EtabnTCEdU7qA0GlSONu_VJwck33HTIK2wdIAGHRDtswFBbisOiEHCc1Tqlb1DFSzcPx4cJh4NqtzxI8Y5FUQbyv34JcNwdpytGN7NZuDeA8upc8JlN_K7S_7-UOF-ZXe/w400-h266/6.jpg&quot; width=&quot;400&quot; /&gt;&lt;/a&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;h2 style=&quot;text-align: left;&quot;&gt;What is Credit Score&lt;/h2&gt;&lt;div&gt;As recent as a few years back, the term &quot;Credit Score&quot; was not very commonly used in our society. While there were who understood the term and its purpose, the mass majority, although realizing that there was a system out there that their credit, they did not have a term to stick to it.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;Today, however, due to a number of factors such as increase Identity Theft and mass media marketing campaigns there are very few who are not aware of the term Credit Score. The goal of this article is to add understanding on the personal to the recognition of that term.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;h2 style=&quot;text-align: left;&quot;&gt;What Are the Uses of Credit Scores?&lt;/h2&gt;&lt;div&gt;A Credit Score is a number between 300 and 850 based on a statistical analysis of an individual&#39;s credit activity. It is used to represent the credit worthiness of an individual. How likely that the individual will pay his or her debts. A credit score is based on their credit report information which is typically sourced from credit bureaus and credit reference agencies, typically from the three major credit bureaus.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;Lending institutions, such as banks, finance companies, mortgage lenders, and credit card companies, use an individual&#39;s Credit Score to evaluate the potential risk posed by lending money to that individual. Lenders use Credit Scores to determine who qualifies for a loan, at what interest rate the loan is issued, and what credit limits are determined.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;The use of credit scoring prior to granting credit is a trusted system throughout the industry. Credit scoring is not limited to banks, however. Organizations, such as mobile phone companies and government departments employ the same techniques.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;&lt;h2&gt;What is the Credit Score System Commonly Used in the United States?&lt;/h2&gt;&lt;/div&gt;&lt;div&gt;While there are many others, such as NextGen, VantageScore and the CE Score, The most widely known score in the United States is FICO, which is most widely used in the mortgage industry. FICO is an acronym for Fair Isaac Corporation, the company that provides the most well-known and most widely used credit scoring system in the United States.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;The FICO score is calculated by applying statistical methods, developed by Fair Isaac, to information in one&#39;s credit file and is primarily used in the consumer banking and credit industry. FICO scores show how likely it is that a borrower will default. No public information is available to determine what the scores mean in terms of statistics. A separate score, BNI, is used to indicate likelihood of bankruptcy.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;As stated, banks and other lending institutions use Credit Scores as factors in their lending decisions. Whether credit is denied or approved, what interest is charged, what income level and asset verification is required is all based on an individual&#39;s credit score.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;The FICO score actually uses slightly different scoring methods to rate a consumer&#39;s suitability for three different types of credit; mortgages, auto loans, and consumer credit. Each reflecting the different credit risks of these various types of lending. It is not unusual for these scores to differ by as much 50 points or more for the same borrower.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;There are three major credit reporting agencies in the United States. Although often times inaccurately referred to as &quot;credit bureaus&quot;, these agencies; Equifax, Experian and TransUnion, also calculate their own credit scores. These additional scores differ depending on what they are meant to predict, what statistical methods used to determine a score, and what information is used and how it is weighted.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;These additional Credit Scoring Systems are numerous and are agency specific. For example, Beacon, Beacon 5.0, Beacon 96, and Pinnacle scores are available only from Equifax. Empirica, Empirica Auto 95, Precision Score, and Precision 03 are available only from TransUnion. And, Fair Isaac Risk Score at Experian.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;These various Credit Scores are developed for the different agencies by Fair Isaac, each differs and are periodically updated to reflect current consumer repayment behavior habits. The NextGen Score is a scoring model designed for consumers.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;In an effort to make credit scoring more consistent across the board, in 2006 the big three credit reporting agencies introduced Vantage Score. Vantage Score uses a different number range from the FICO score. It ranges from 501 to 990 and also assigns letter grades from A to F to specific ranges of scores.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;A consumer&#39;s Vantage Score may differ from agency to agency, but the difference would be entirely due to differences in the information reported to the various agencies, not due to differences in scoring systems. Since FICO is still widely used by lenders, the agencies continue to offer FICO scores (or their closest equivalent) as well.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;Most credit scores use a multiple-scorecard design. Each version may use individual scorecards, and an individual potential borrower is typically compared with other previous borrowers. In other words, a borrower with one 30-day late payment will be scored against a population with some similar delinquency. A borrower with two 30-day late payments will be scored against a population with like credit faults. The individual is then graded according to which variables indicate a risk within that group.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;Nearly all large banks also build and use their own systems for credit scoring purposes, and are often times in conjunction with outside scoring formulas.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;The systems used to generate credit scores are subject to federal regulations. The Federal Reserve Board&#39;s Regulation B, which implements the Equal Credit Opportunity Act, expressly prohibits a credit scoring system from considering any &quot;prohibited basis&quot; such as race, color, religion, national origin, sex, or marital status. It also stipulates that credit scoring systems must be &quot;empirically derived&quot; and &quot;statistically sound&quot;.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;In addition, if an adverse action, a denial of a credit application, is taken as a result of the credit score then the specific reasons for the denial must be provided to the individual denied. The statement &quot;credit score not high enough&quot; is insufficient. The reasons for denial must be specific; &quot;too many delinquencies 60 days or greater&quot; and such.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;h2 style=&quot;text-align: left;&quot;&gt;What Are the Functions of the Credit Score&lt;/h2&gt;&lt;div&gt;&lt;b&gt;Credit scores are designed to measure the risk of default by taking into account various factors in a person&#39;s financial history. Although the exact formulas for calculating credit scores are closely guarded secrets, the Fair Isaac Corporation has disclosed the following components and the approximate weighted contribution of each:&lt;/b&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;&lt;ul style=&quot;text-align: left;&quot;&gt;&lt;li&gt;35% punctuality of payment in the past (30 Days Past Due)&lt;/li&gt;&lt;li&gt;30% the amount of debt, expressed as the ratio of current revolving debt to total available revolving credit&lt;/li&gt;&lt;li&gt;15% length of credit history&lt;/li&gt;&lt;li&gt;10% types of credit used&lt;/li&gt;&lt;li&gt;10% recent search for credit and/or amount of credit obtained recently&lt;/li&gt;&lt;/ul&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;These percentages offer a limited guidance in understanding a credit score. For example, the 10% of the score allocated to &quot;types of credit used&quot; is undefined, leaving consumers unaware what type of credit mix to pursue. &quot;Length of credit history&quot; is also a murky concept; it consists of multiple factors two being the oldest account open and the average length of time an account has been open.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;Interestingly, although only 35% is attributed to punctuality, if a consumer is substantially late on numerous accounts, his score will fall far more than 35%. Bankruptcies, foreclosures, and judgments affect scores substantially, but are not included in the very vague pie chart provided by Fair Isaac.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;A FICO score generally has a max of 850 and a minimum of 300. It exhibits a left-skewed distribution with a median around 723. The performance of the scores is monitored and the scores are periodically aligned so that a lender normally does not need to be concerned about which score card was employed.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;Because the three major credit agencies have their own, independent databases, each of us actually has three credit scores for any given scoring system. As these databases are independent of each other, they may contain entirely different data. Many lenders will check an applicant&#39;s score from each bureau and use the median score to determine the applicant&#39;s credit worthiness.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;As a result of the FACT Act (Fair and Accurate Credit Transactions Act), each legal U.S. resident is entitled to one free copy of his or her credit report from each credit reporting agency once every twelve months. To guard against inaccurate information or fraud more often than yearly, one can request a report from a different credit reporting agencies available on the net.&amp;nbsp;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;This information is available from a number of websites across the net that offer an free credit report and use of their services for 30 days. After which, there is a monthly fee involved. The fee is nominal compared to the necessity of protecting your credit in today&#39;s highly technological society where identity theft is becoming more prevalent.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;In a time where identity theft and credit fraud in on the rise, the fee these firms charge seems like a small amount to pay to protect your credit and your good name. Having a good Credit Score is becoming more and more prevalent in our society. Here are a few examples of how:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;In September 2004, TXU (a Texas utility company) announced it would begin setting individualized electricity prices based on credit score. However, due to negative press and pressure from the Texas Public Utility Commission, the plan was not implemented.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;Credit scores are often used in determining prices for auto and homeowner insurance. Recently, some of the agencies that generate credit scores have also been generating more specialized insurance scores, which insurance companies then use to rate the quality of potential customers. These scores are unavailable to consumers.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;h2 style=&quot;text-align: left;&quot;&gt;Conclusion&lt;/h2&gt;&lt;div&gt;Many employers reserve the right to do a credit check of job applicants, in the same manner they reserve the right to drug test potential employees. The fact is that your Credit Score is important. Rebuild-Credit.us is a sight committed to providing consumers with quality information concerning credit, how to get it, and how to maintain a quality credit score. It is recommended you take the time to visit them and read through the numerous articles and reports there.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;&lt;div&gt;If you&#39;re curious about the latest Tech &amp;amp; SaaS Solution, please kindly visit https://www.techvarieties.com to get the latest&amp;nbsp; news about software and technology.&lt;/div&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;
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997. &lt;/div&gt;</content><link rel='edit' type='application/atom+xml' href='https://www.blogger.com/feeds/1032303387894095635/posts/default/6489497392279194724'/><link rel='self' type='application/atom+xml' href='https://www.blogger.com/feeds/1032303387894095635/posts/default/6489497392279194724'/><link rel='alternate' type='text/html' href='https://3000dollarsamsuga.blogspot.com/2022/12/5-things-you-need-to-know-about-your.html' title='5 Things you Need to Know About Your Credit Score'/><author><name>Unknown</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi946Q_R7jXv-PLB-vQuv3kxdoIJhEA2KK6HPpsgg2O4ocgMxwjvJu7mi7EtabnTCEdU7qA0GlSONu_VJwck33HTIK2wdIAGHRDtswFBbisOiEHCc1Tqlb1DFSzcPx4cJh4NqtzxI8Y5FUQbyv34JcNwdpytGN7NZuDeA8upc8JlN_K7S_7-UOF-ZXe/s72-w400-h266-c/6.jpg" height="72" width="72"/></entry><entry><id>tag:blogger.com,1999:blog-1032303387894095635.post-5088379671611469090</id><published>2022-12-22T10:19:00.002+07:00</published><updated>2022-12-22T10:19:00.158+07:00</updated><title type='text'>Stop Relying on Pension! and Why do we need to invest?</title><content type='html'>&lt;div class=&quot;separator&quot; style=&quot;clear: both; text-align: center;&quot;&gt;&lt;a href=&quot;https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgOaNO5RBheo7rWc4njMu8k2YiQVWGObv8a6r01I8NGEKd-BSNpfiQwCHcIPye7FYGEgtTkzNOY0hu9Xqcw2NSkQf16FRVb99VydvHyqmy1KDrSJcad20U0Q4UwR7GMdPkAGYAQrVkJkLVZgAm3OFTJtyK5UdBP0lN-YLN3GSeSGS6BJm-moSYCMgrp/s5608/5.jpg&quot; style=&quot;margin-left: 1em; margin-right: 1em;&quot;&gt;&lt;img alt=&quot;Personally - Stop Relying on Pension! and Why do we need to invest?&quot; border=&quot;0&quot; data-original-height=&quot;3739&quot; data-original-width=&quot;5608&quot; height=&quot;266&quot; src=&quot;https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgOaNO5RBheo7rWc4njMu8k2YiQVWGObv8a6r01I8NGEKd-BSNpfiQwCHcIPye7FYGEgtTkzNOY0hu9Xqcw2NSkQf16FRVb99VydvHyqmy1KDrSJcad20U0Q4UwR7GMdPkAGYAQrVkJkLVZgAm3OFTJtyK5UdBP0lN-YLN3GSeSGS6BJm-moSYCMgrp/w400-h266/5.jpg&quot; width=&quot;400&quot; /&gt;&lt;/a&gt;&lt;/div&gt;&lt;h2 style=&quot;text-align: left;&quot;&gt;Start Investing, Forget Pension Funds&lt;/h2&gt;&lt;p&gt;It is vitally important in this current day and age for all of us to begin taking control of our financial situation and start planning for our future, and the futures of our children.&lt;/p&gt;&lt;p&gt;We can no longer rely on the government to hand out an aged pension once we retire. We cannot take for granted that at the end of our working life we will be taken care of financially.&lt;/p&gt;&lt;p&gt;The world population is ageing, due to the baby boomer generation, and within 30 years there will be so many retired people, compared to the number of working age people, that it will be economically impossible for the government to afford to provide any reasonable source of monetary assistance for the elderly.&lt;/p&gt;&lt;p&gt;The government has realised this, and that is why they introduced the compulsory employer paid superannuation scheme and are even now beginning to give financial incentives to Self-Funded retirees.&lt;/p&gt;&lt;p&gt;Most of us have never sat down and even considered the ramifications of why the compulsory super was introduced and for many of us it is a matter of too little too late. Even for the young women in our society – who have a full working life ahead of them, they still cannot rest assured of a comfortable retirement.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;h2 style=&quot;text-align: left;&quot;&gt;The Misery from Relying on Pension Money&lt;/h2&gt;&lt;p&gt;Why is this? It is because that unfortunately even with contributions at the current level of less than 10%, someone on an average wage who works continually for 30 years, is still going to find themselves trying to survive on an income equivalent to less than $20,000,00 per annum in today’s dollars.&lt;/p&gt;&lt;p&gt;&lt;/p&gt;&lt;blockquote&gt;someone on an average wage who works continually for 30 years, is still going to find themselves trying to survive on an income equivalent to less than $20,000,00 per annum in today’s dollars.&lt;/blockquote&gt;&lt;p&gt;&lt;/p&gt;&lt;p&gt;You will notice that I said continually working for 30 years. This is another reason why women are particularly disadvantaged. Firstly because they often have to take up to ten years leave from the workforce to raise children, secondly because women in general earn less than their male counterparts and thirdly because an enormous proportion of the women in Australia, for example, will never have received any superannuation contributions, prior to the compulsory superannuation being introduced, and will therefore not have had contributions made over their entire working life so far, giving them even less to fall back on by the time they retire.&lt;/p&gt;&lt;p&gt;Many women may previously not have thought of lack of superannuation contributions as being a problem, as their husbands may have been contributing to super since they first began work. Unfortunately though with the high number of divorces in this country, it is unwise to rely on the fact that your partner’s superannuation will be there for you in your retirement years and even if a large proportion is awarded in a settlement – that it will be sufficient to sustain a comfortable retirement for any length of time.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;All of these factors are why women now more than ever, need to begin taking action to build up a source of ongoing income, that will grow to such an extent, as to be able to provide a secure and happy future for themselves and their children.&lt;/p&gt;&lt;p&gt;It needs to be a source of income that is unrelated to physical work…that is an income that is generated from income producing assets – and not from our personal efforts.&lt;/p&gt;&lt;p&gt;One of the best sources of creating this ongoing income stream is to begin building an investment property portfolio, also aptly paraphrased as bricks and mortar.&lt;/p&gt;&lt;p&gt;&lt;/p&gt;&lt;blockquote&gt;the best sources of creating this ongoing income stream is to begin building an investment property portfolio&lt;/blockquote&gt;&lt;p&gt;&lt;/p&gt;&lt;p&gt;We need to start investing in income producing assets now, so that they will have time to grow and develop so that we will be financially independent for our retirement years.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;h2 style=&quot;text-align: left;&quot;&gt;The Power of Compounding Interest&lt;/h2&gt;&lt;p&gt;The most important concept to grasp in relation to building wealth for retirement and for creating finances that can be directed toward charities, or helping out your family is that of Compound interest.&lt;/p&gt;&lt;p&gt;In mathematical terms 72 divided by Compound Interest Rate of Return = Years for Money to Double in Value.&lt;/p&gt;&lt;p&gt;Therefore if you have $1,000.00 invested at 10% interest, then the number of years that it will take for your money to double to $2,000.00 is 7.2. It will quadruple in 14.4 years and be worth 8 times as much in just over 21 years.&lt;/p&gt;&lt;p&gt;&lt;/p&gt;&lt;blockquote&gt;&lt;p&gt;Therefore if you have $1,000.00 invested at 10% interest, then the number of years that it will take for your money to double to $2,000.00 is 7.2. It will quadruple in 14.4 years and be worth 8 times as much in just over 21 years.&lt;/p&gt;&lt;p&gt;&lt;/p&gt;&lt;/blockquote&gt;&lt;p&gt;If your money is invested at 7% interest, then it will take approximately ten years to double in value. If it is invested at 5% it will double in just over fourteen years.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;h2 style=&quot;text-align: left;&quot;&gt;The Higher and Longer the Bigger it Compounded&amp;nbsp;&lt;/h2&gt;&lt;p&gt;The two most important aspects of compounding are one: rate and two: time. The higher the rate and the longer the time something is left to compound, the greater the final result will be. This is why the sooner we start investing, the better.&lt;/p&gt;&lt;p&gt;If you&#39;re curious about the latest Tech &amp;amp; SaaS Solution, please kindly visit https://www.techvarieties.com to get the latest&amp;nbsp; news about software and technology.&lt;/p&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;
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1129. </content><link rel='replies' type='application/atom+xml' href='https://3000dollarsamsuga.blogspot.com/feeds/5088379671611469090/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='https://3000dollarsamsuga.blogspot.com/2022/12/stop-relying-on-pension-and-why-do-we.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='https://www.blogger.com/feeds/1032303387894095635/posts/default/5088379671611469090'/><link rel='self' type='application/atom+xml' href='https://www.blogger.com/feeds/1032303387894095635/posts/default/5088379671611469090'/><link rel='alternate' type='text/html' href='https://3000dollarsamsuga.blogspot.com/2022/12/stop-relying-on-pension-and-why-do-we.html' title='Stop Relying on Pension! and Why do we need to invest?'/><author><name>Unknown</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgOaNO5RBheo7rWc4njMu8k2YiQVWGObv8a6r01I8NGEKd-BSNpfiQwCHcIPye7FYGEgtTkzNOY0hu9Xqcw2NSkQf16FRVb99VydvHyqmy1KDrSJcad20U0Q4UwR7GMdPkAGYAQrVkJkLVZgAm3OFTJtyK5UdBP0lN-YLN3GSeSGS6BJm-moSYCMgrp/s72-w400-h266-c/5.jpg" height="72" width="72"/><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-1032303387894095635.post-4702609422931367275</id><published>2022-12-21T10:19:00.003+07:00</published><updated>2022-12-21T10:19:45.377+07:00</updated><title type='text'>The 4 Mandatory Buckets Of Personal Finance</title><content type='html'>&lt;div class=&quot;separator&quot; style=&quot;clear: both; text-align: center;&quot;&gt;&lt;a href=&quot;https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhOKrtO0ttyFB_vgBPkR_qk60V4-QX9Vet9_OT9pFd8xfSVPeiqCF7A5RPSNwvMwlMaIxZHfk3puTorpKNOeSheLt9DRcZlYDudeHojNzFT-zU1KIl_Ht3z05EGJjSMJq0nVA6fJhqZwAeMsv8G5lS_P8Kam18LccoV0i6Es-PVl7BP7jIAOqou9Pdx/s6100/4.jpg&quot; style=&quot;margin-left: 1em; margin-right: 1em;&quot;&gt;&lt;img alt=&quot;Techvarieties - The 4 Mandatory Buckets Of Personal Finance&quot; border=&quot;0&quot; data-original-height=&quot;4067&quot; data-original-width=&quot;6100&quot; height=&quot;266&quot; src=&quot;https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhOKrtO0ttyFB_vgBPkR_qk60V4-QX9Vet9_OT9pFd8xfSVPeiqCF7A5RPSNwvMwlMaIxZHfk3puTorpKNOeSheLt9DRcZlYDudeHojNzFT-zU1KIl_Ht3z05EGJjSMJq0nVA6fJhqZwAeMsv8G5lS_P8Kam18LccoV0i6Es-PVl7BP7jIAOqou9Pdx/w400-h266/4.jpg&quot; width=&quot;400&quot; /&gt;&lt;/a&gt;&lt;/div&gt;&lt;br /&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;Every person needs to be aware of financial necessity of saving a portion of any income payment that you receive. This means that a percentage of every single source of income is set aside, marked, or tracked as money that you cannot spend. This task isn’t optional if you want to have some basic financial stability or start growing some serious wealth. Saving is the first step and it is the easiest, simplest, but the most emotionally difficult step. I know that starting to save money is emotionally painful because spending money is easy and pleasurable, while saving money feels difficult and challenging. But like any behavior, it becomes easier and natural the more you do it.&lt;/p&gt;&lt;h2 style=&quot;text-align: left;&quot;&gt;Saved 50% of Income During the Great Depression&lt;/h2&gt;&lt;p&gt;As a review, the billionaire John Templeton started out working during the Great Depression but he saved 50% of his income. This guy was serious! OK, you may have a lot of fixed expenses that you just can’t cancel immediately, but at least enroll in financial nursery school by saving 1% from all the income that you receive. Or start with only $3 a month and then ratchet up your savings rate continually until you are at least over 10%; or if you are ambitious get it over 30%. (If you are trying to find the loophole, this savings is your after-tax income that you can spend – don’t count your 401K or medical savings accounts or any other qualified money that you don’t have full/immediate access to spending).&lt;/p&gt;&lt;h2 style=&quot;text-align: left;&quot;&gt;Correlation of Economics and Personal Finance&lt;/h2&gt;&lt;p&gt;The remainder of this article is about what to do with that savings. Economics is the study of allocating scarce resources. Personal economics are similar, but I think that it is better described as: The allocation of your income that you can’t spend. If you don’t spend this money, and maybe have it setting aside in savings account, what do you do with it? Do you pay down on a credit card, save it for a car, donate it to a worthy cause, or purchase a bank certificate of deposit? How do you go about deciding?&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;Well, I have given this some thought and have reached a few conclusions. It is my view that your monthly savings needs to be divided among four mandatory categories. By this, I mean that among the zillions of things you can do with savings, it is my view that four of them are absolutely mandatory. For example, if you earn a paycheck (and after all of the taxing authorities take their share) of $1,000 that you can deposit into your checking account and you’ve chosen a personal savings percentage rate of 8%, then you move $80 ($1,000 X .08) into a separate savings account. Now, you will take this $80 and divide it up into at least the four mandatory categories I am going to discuss, along with any other categories that you value. In this way you’ll have the whole $80 assigned to specific financial duties to meet your financial goals.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;h2 style=&quot;text-align: left;&quot;&gt;4 Income Allocation for Financial Goals&lt;/h2&gt;&lt;p&gt;&lt;b&gt;1. The Vault&lt;/b&gt; – this is your wealth account. Money gets deposited into this account and it never leaves, like a one-way valve. The Vault is invested and the principal is never spent. It will grow into the largest part of your net worth, generating nearly all of your investment income. If you don’t start creating wealth penny-by-penny, you’ll never have any.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;&lt;b&gt;2. Soft Savings&lt;/b&gt; – a delayed spending account. This money is marked for things that you want to buy, but can’t afford to purchase with normal pocket money. For example, a house, car, boat, vacation, college fund for kids, planned medical care, clothing, jewelry, etc. But this also includes maintenance to your home, like a roof, new appliances, new siding, paint, landscaping, remodeling, etc.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;&lt;b&gt;3. Paydown Debt Balances&lt;/b&gt; – making extra principal payments on your credit cards, car loans, and your mortgage. By chipping away at these expenses you will eventually eliminate them all, and then have more money available for other categories. Personal debt is the opposite of financial freedom and dramatically makes it more difficult to reach your financial goals. If you doubt this, look at the interest charges you pay each month and imagine if that money had been invested instead.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;&lt;b&gt;4. Financial Education&lt;/b&gt; – books, magazines, newsletters, seminars, software, investment memberships. Also, hiring professional financial advisors, tax accountants, estate attorneys, etc. (Avoid free advice a buddy, your cousin, or a friend’s neighbor – buy the best, most expensive professional advice you can afford).&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;As I mentioned before, you can put your savings into places that are only limited by your creativity. But it is my view that these four areas are so important that they need to be continually fed money in a systematic manner.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;&lt;b&gt;If you are missing the first account,&lt;/b&gt; &lt;b&gt;The Vault&lt;/b&gt;, you’ll never have the money to start investing so you’ll never receive any investment income. This is pretty much the goal of all personal finance, to help you generate the most investment income. That is why this is the most important of the four categories, to get your money earning money so that you don’t have to. (I do not consider any retirement accounts or qualified accounts to be Vault money. This is because you do not have direct control to invest the money or receive any investment income until the government decides that you can).&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;&lt;b&gt;If you are missing the second account, Soft Savings&lt;/b&gt;, you either can’t buy what you want, or you have to increase your personal debt. This is moving in the opposite direction of financial freedom – you are reducing the amount of money that you can spend each month by the amount of the debt payment, and you are reducing your net worth by the principal and interest that you’ll be charged. Another symptom of a lack of Soft Savings is disrepair to your car, home, and health because you don’t have the money for upkeep. Everything physical needs to be maintained, from your teeth to your vacuum, and it costs money to do so. This depreciates the financial assets that you own, and puts at risk the most important quality of life – your health.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;&lt;b&gt;If you are missing the third account, Paydown Debt Balances&lt;/b&gt;, you are simply going to be the patsy in the financial game of life. People that are building their wealth collect lots of little interest payments from the people that are destroying their wealth by making lots of little interest payments – money is transferred every month from one group of people to the other. Which group do you want to be in? Well, your Vault can automatically put you into the group of wealth-builders and your Paydown Debt account starts to extract you from the group of wealth-destroyers. The Paydown Debt account puts you on track to permanently extinguish all of your personal debt. The sooner a personal debt is paid off, the more rapidly you can take all of this money and put it into the other categories.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;&lt;b&gt;If you are missing the fourth account, Financial Education&lt;/b&gt;, you won’t know how to captain your Vault, and you may run it straight into the rocks. Only you will manage your money in a manner that will be to your maximum benefit. So it is best if you pay to learn how to handle money and learn where to put it. But not everyone has an interest in these subjects, and that is fine. For them, instead of personally managing your money, you are going to personally manage your financial advisors. You’ll be spending money and time to hire and manage the advisors to attend to financial details.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;h2 style=&quot;text-align: left;&quot;&gt;4 Most Important Matrix of Financial Management&lt;/h2&gt;&lt;p&gt;By allocating your savings into these four categories you are addressing the four most important elements of financial management. You’ll be making certain that: Your investment income will always increase by adding to your Vault; you’ll have money available for extra expenses with your Soft Savings; your net worth will always be increasing with a Paydown Debt account; and you’ll intelligently learn how to lower your investment risk, raise your investment returns, and lower your tax liability with your Financial Education account. The only source of money to build these critical financial functions to increase your income, net worth, and stability is your savings – you simply have to do it.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;I recommend you fund these accounts simultaneously – do not focus only on debt or only on education because I have seen how it is financially detrimental to do so. For example, let’s say that you really want to paydown your debt so you don’t contribute anything to The Vault. I have found that if you don’t have any investments, your investing skills will be under developed. You will not know how to invest once your debts have been paid off, you’ll have no investment income to manage, you won’t be looking for investing opportunities because that is something you can’t afford right now, etc. And as a result, it will be harder to get into the investing game later, you’ll have more to learn in a shorter amount of time, and may just avoid it altogether and put Vault money into a low paying account.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;How much do you allocate among the four categories? Anything more that zero! It is up to you, and your financial situation will fluctuate and be different from others. Just to get some starting percentages, below is my allocation. It is not a recommendation for anyone, it is just what works for me right now.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;&lt;/p&gt;&lt;blockquote&gt;&lt;p&gt;My current savings rate = 20% of all after-tax income.&lt;/p&gt;&lt;p&gt;&lt;/p&gt;&lt;/blockquote&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;(This does not include 401K, medical savings accounts, or other deferred/qualified withholding). This means that 20% of all cash income that hits my checking account each month is set aside into these categories:&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;&lt;/p&gt;&lt;ol style=&quot;text-align: left;&quot;&gt;&lt;li&gt;&amp;nbsp;The Vault receives 50% of total savings each month.&lt;/li&gt;&lt;li&gt;&amp;nbsp;Soft Savings receives 20% of savings each month.&lt;/li&gt;&lt;li&gt;&amp;nbsp;Paydown Debt receives 20% of savings each month.&lt;/li&gt;&lt;li&gt;&amp;nbsp;Financial Education receives 5% of savings each month.&lt;/li&gt;&lt;li&gt;&amp;nbsp;And that leaves 5% for other categories each month.&lt;/li&gt;&lt;/ol&gt;&lt;p&gt;&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;You may receive continual, ongoing income, in addition to some rare, one-time inflows of money. The percentages detailed above are how I allocate regular income savings. But if there is any one-time inflow of money (garage sale, bonus, extra project), then I take 90% of the proceeds and split it among the four accounts, and the other 10% is just spent. You can create your own money rules for different types of income; you can tell by my allocation percentages that my primary focus is to build up the balance of the Vault.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;h2 style=&quot;text-align: left;&quot;&gt;&lt;b&gt;CONCLUSION&lt;/b&gt;&lt;/h2&gt;&lt;p&gt;The amount of money that you can save from every source of income is your key to a brighter financial future. Contrarily, a risky and dimmer financial future awaits those that refuse to systematically save money. So be sure that you take the steps necessary to set savings aside and then simultaneously divide it among the four mandatory accounts by consistently allocating money to them. You don’t have a financial foundation without these four accounts, but with them, you can build as high as your ambition takes you.&lt;/p&gt;&lt;p&gt;If you&#39;re curious about the latest Tech &amp;amp; SaaS Solution, please kindly visit &lt;a href=&quot;https://www.techvarieties.com&quot;&gt;https://www.techvarieties.com&lt;/a&gt; to get the latest&amp;nbsp; news about software and technology.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;
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1212. </content><link rel='replies' type='application/atom+xml' href='https://3000dollarsamsuga.blogspot.com/feeds/4702609422931367275/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='https://3000dollarsamsuga.blogspot.com/2022/12/the-4-mandatory-buckets-of-personal.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='https://www.blogger.com/feeds/1032303387894095635/posts/default/4702609422931367275'/><link rel='self' type='application/atom+xml' href='https://www.blogger.com/feeds/1032303387894095635/posts/default/4702609422931367275'/><link rel='alternate' type='text/html' href='https://3000dollarsamsuga.blogspot.com/2022/12/the-4-mandatory-buckets-of-personal.html' title='The 4 Mandatory Buckets Of Personal Finance'/><author><name>Unknown</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhOKrtO0ttyFB_vgBPkR_qk60V4-QX9Vet9_OT9pFd8xfSVPeiqCF7A5RPSNwvMwlMaIxZHfk3puTorpKNOeSheLt9DRcZlYDudeHojNzFT-zU1KIl_Ht3z05EGJjSMJq0nVA6fJhqZwAeMsv8G5lS_P8Kam18LccoV0i6Es-PVl7BP7jIAOqou9Pdx/s72-w400-h266-c/4.jpg" height="72" width="72"/><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-1032303387894095635.post-2400282995383705175</id><published>2022-12-20T17:23:00.001+07:00</published><updated>2022-12-20T17:23:10.423+07:00</updated><title type='text'>Use This Technique to Get $13,500 of Passive Income Using your Retirement Funds</title><content type='html'>&lt;div class=&quot;separator&quot; style=&quot;clear: both; text-align: center;&quot;&gt;&lt;a href=&quot;https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiUrjN4aIHfsy8J7K9As-40X_6MCusQq84cBl5tLriFeeKhsISew7LH_ZjMeHLFwMoc72PwgieVeVpsWUrVhPnk3DRBYE3Idi2_GsMW3pgVlSdy1eoL7T6xvhTEptiZCOmt4v4ouVVQTs6sWABWJwN1QvSNlXhTvJiEH50if0cmkhGmg_9it_6unF-h/s5616/3.jpg&quot; imageanchor=&quot;1&quot; style=&quot;margin-left: 1em; margin-right: 1em;&quot;&gt;&lt;img border=&quot;0&quot; data-original-height=&quot;3744&quot; data-original-width=&quot;5616&quot; height=&quot;337&quot; src=&quot;https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiUrjN4aIHfsy8J7K9As-40X_6MCusQq84cBl5tLriFeeKhsISew7LH_ZjMeHLFwMoc72PwgieVeVpsWUrVhPnk3DRBYE3Idi2_GsMW3pgVlSdy1eoL7T6xvhTEptiZCOmt4v4ouVVQTs6sWABWJwN1QvSNlXhTvJiEH50if0cmkhGmg_9it_6unF-h/w507-h337/3.jpg&quot; width=&quot;507&quot; /&gt;&lt;/a&gt;&lt;/div&gt;&lt;br /&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;Joe Green writes-&lt;/div&gt;&lt;div&gt;I just retired. I have worked all my life and am ready to have some fun in retirement. I want to figure out how much income I can take in retirement without running out. I have $200,000 in my 401k plan with my former employer. I am 65 years old and my wife Emma is 56 years old and would like to be guaranteed to at least have income for the next 20 years for me or for my wife if I don&#39;t make it that long. What are my options when it comes to annuities?&amp;nbsp;&lt;/div&gt;&lt;div&gt;&amp;nbsp;&lt;/div&gt;&lt;div&gt;We have two solutions you may want to consider. As with all investment planning there are advantages and disadvantages to each option and my job is to help you understand them.&amp;nbsp;&lt;/div&gt;&lt;div&gt;&amp;nbsp;&lt;/div&gt;&lt;h2 style=&quot;text-align: left;&quot;&gt;Option #1 Income for life&lt;/h2&gt;&lt;div&gt;There are different types of annuities available that can help make sure you have income for the rest of your life and the rest of your beneficiary&#39;s life. One solution is called a &quot;lifetime five&quot; option. This is where you invest in an annuity that is invested in a managed portfolio of stocks and bonds.&amp;nbsp; The investment decision-making is left up to the annuity company.&amp;nbsp;&lt;/div&gt;&lt;div&gt;&amp;nbsp;&lt;/div&gt;&lt;div&gt;You are initially guaranteed each year to receive 5% of the original amount invested for your life and your wife&#39;s life. Since you are both over the age of 55 you would qualify for this type of annuity. Age 55 is the minimum age. You are guaranteed by the annuity company that you will be able to take an income payment of at least:&lt;/div&gt;&lt;div&gt;$200,000 x 5% = $10,000 per year for the rest of your life and the rest of your wife&#39;s life&lt;/div&gt;&lt;div&gt;&amp;nbsp;&lt;/div&gt;&lt;div&gt;This is the minimum guarantee provided by the insurance company. This annuity also has the ability to raise the minimum amount you can be paid every 3 years. For example: If you invest $200,000 and in three years your portfolio has grown to $215,000 your new minimum guarantee is:&lt;/div&gt;&lt;div&gt;&amp;nbsp;$215,000 x 5% = $10,750. You just got a $750 dollar raise per year for the rest of your lives.&amp;nbsp;&lt;/div&gt;&lt;div&gt;&amp;nbsp;&lt;/div&gt;&lt;div&gt;On the other hand, your portfolio may fall to $190,000 after three years. In this scenario you would not have any stepped up minimum guarantee so you would just collect your original $200,000 x 5% = $10,000 per year for the rest of your lives. You would get another chance to increase your income stream in three years.&amp;nbsp;&lt;/div&gt;&lt;div&gt;&amp;nbsp;&lt;/div&gt;&lt;div&gt;Remember, you get a chance to step up this account value every three years, but the amount of your annual payout can only go up, it can never go down.&amp;nbsp;&amp;nbsp;&lt;/div&gt;&lt;div&gt;&amp;nbsp;&lt;/div&gt;&lt;div&gt;You may ask, &quot;What if I need some money for an emergency in a lump sum?&quot; In this situation you would be able to withdraw your portfolio&#39;s value, less any withdrawals and penalties. It most likely will have some value but due to market fluctuations and withdrawals it may be lower than your original investment. You may also have to pay a surrender fee of up to 10%.&amp;nbsp;&amp;nbsp;&lt;/div&gt;&lt;div&gt;&amp;nbsp;&lt;/div&gt;&lt;h3 style=&quot;text-align: left;&quot;&gt;In summary:&lt;/h3&gt;&lt;h4 style=&quot;text-align: left;&quot;&gt;Advantages:&lt;/h4&gt;&lt;div&gt;Known income stream for life, with upside potential. (In this example a minimum of $10,000 for life.)&amp;nbsp;&amp;nbsp;&lt;/div&gt;&lt;div&gt;You have upside potential but no downside risk in income streams&lt;/div&gt;&lt;div&gt;You can participate in market gains every three years and possibly adjust your income upward.&amp;nbsp;&lt;/div&gt;&lt;div&gt;If, after the surrender period is up, (usually 7 to 10 years) and your account value has gone up, you can walk away from the contract if you want and invest in another annuity. This may be to your advantage if you don&#39;t want to wait another 3 years to up your income stream.&amp;nbsp;&lt;/div&gt;&lt;div&gt;Guaranteed an income stream for over 20 years, if you live longer than 20 years and for your wife&#39;s life even if she lives any number of years after you die.&amp;nbsp;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;h4 style=&quot;text-align: left;&quot;&gt;Disadvantages:&lt;/h4&gt;&lt;div&gt;If you need to withdraw the entire amount of your money within the first 7 to 10 years of investing your money, you will pay a surrender fee of up to 10%.&lt;/div&gt;&lt;div&gt;If you want to walk away from the annuity contract because you need the money in a lump sum your account value can possibly be down from your original investment.&amp;nbsp;&lt;/div&gt;&lt;div&gt;The insurance company allowing this &quot;income for life guaranteed benefit&quot; no matter what happens to the account value does not come for free. There are additional annual fees involved in order to provide these guarantees. You should expect somewhere between 0.50% and 0.75% of the account value.&amp;nbsp;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;h2 style=&quot;text-align: left;&quot;&gt;Option #2&amp;nbsp; Income for your life or 20 years whichever is longer. (Immediate Annuity)&lt;/h2&gt;&lt;div&gt;&amp;nbsp;&lt;/div&gt;&lt;div&gt;In this type of annuity we are talking about an immediate annuity. This is where you buy an annuity contract and immediately annuitize the contract. In this situation things are a little simpler, but as we may demonstrate you may pay a price for the simplicity.&amp;nbsp;&lt;/div&gt;&lt;div&gt;&amp;nbsp;&lt;/div&gt;&lt;div&gt;In this type of contract the main advantage is the annual payout for this contract is higher than in the previous example. For an individual who has $200,000 to invest the immediate annuity quotes we get from annuity companies average out to $13,500.&amp;nbsp;&lt;/div&gt;&lt;div&gt;&amp;nbsp;&lt;/div&gt;&lt;div&gt;Let&#39;s look at how this works. In this example, the annuity company will pay $13,500 every year for the rest of your life, or 20 years, whichever lasts longer. So if you live for 25 years, to age 90, the annuity company will pay him $13,500 every year for 25 years. If you lives only another 11 years and dies, his beneficiary (in this case probably his wife Emma) will receive the remaining 9 years of income payments of $13,500 and that is it. At the end of your life the annuity company knows that if they have not already paid out 20 years of payments one of the beneficiaries will get the remaining payments.&amp;nbsp;&lt;/div&gt;&lt;div&gt;&amp;nbsp;&lt;/div&gt;&lt;div&gt;Let&#39;s say you die in 21 years after he initiated this contract. The annuity company has fulfilled their promise of a minimum of 20 years so there will not be anymore payments to anyone. There will be no more money left in the contract and your wife will get nothing.&amp;nbsp;&lt;/div&gt;&lt;div&gt;&amp;nbsp;&lt;/div&gt;&lt;div&gt;You might ask, &quot;What if I need to take the money out after 10 years has gone by to pay a medical bill?&quot;&lt;/div&gt;&lt;div&gt;The answer is that you cannot do so. When you get into an immediate annuity contract there is virtually no way to get out of it. You will not have any cash value after you sign the paperwork. All the annuity company is obligated to do is pay out 20 years, or the length of your life whichever is longer. After the annuity&#39;s obligation is up the contract is worth nothing.&amp;nbsp;&lt;/div&gt;&lt;div&gt;&amp;nbsp;&lt;/div&gt;&lt;h3 style=&quot;text-align: left;&quot;&gt;In summary:&lt;/h3&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;h4 style=&quot;text-align: left;&quot;&gt;Advantages:&lt;/h4&gt;&lt;div&gt;Known income stream for life of the owner.&amp;nbsp; &amp;nbsp;&lt;/div&gt;&lt;div&gt;Higher starting income stream that never changes&lt;/div&gt;&lt;div&gt;No concerns of the underlying investments because the annuity company is responsible for that.&amp;nbsp;&lt;/div&gt;&lt;div&gt;Guaranteed an income stream for 20 years, if the owner lives longer than 20 years the annuity company will pay the same amount until the owner passes away.&amp;nbsp;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;h4 style=&quot;text-align: left;&quot;&gt;Disadvantages:&lt;/h4&gt;&lt;div&gt;If you need your money back at anytime after investing your money, you cannot get it back in lump sum form. You can only collect the annuity payments.&amp;nbsp;&lt;/div&gt;&lt;div&gt;If you live for 20 years or longer your beneficiary will not see any money from this annuity.&amp;nbsp;&lt;/div&gt;&lt;div&gt;There is no ability to increase your income stream. Your payments will stay the same and will not have a chance to increase with inflation.&amp;nbsp;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;These are two of many options available to one person&#39;s situation. Both of these annuities have benefits and drawbacks. It may make sense to discuss further details with our local Denver, Colorado annuity consultant.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;</content><link rel='replies' type='application/atom+xml' href='https://3000dollarsamsuga.blogspot.com/feeds/2400282995383705175/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='https://3000dollarsamsuga.blogspot.com/2022/12/use-this-technique-to-get-13500-of.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='https://www.blogger.com/feeds/1032303387894095635/posts/default/2400282995383705175'/><link rel='self' type='application/atom+xml' href='https://www.blogger.com/feeds/1032303387894095635/posts/default/2400282995383705175'/><link rel='alternate' type='text/html' href='https://3000dollarsamsuga.blogspot.com/2022/12/use-this-technique-to-get-13500-of.html' title='Use This Technique to Get $13,500 of Passive Income Using your Retirement Funds'/><author><name>Unknown</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiUrjN4aIHfsy8J7K9As-40X_6MCusQq84cBl5tLriFeeKhsISew7LH_ZjMeHLFwMoc72PwgieVeVpsWUrVhPnk3DRBYE3Idi2_GsMW3pgVlSdy1eoL7T6xvhTEptiZCOmt4v4ouVVQTs6sWABWJwN1QvSNlXhTvJiEH50if0cmkhGmg_9it_6unF-h/s72-w507-h337-c/3.jpg" height="72" width="72"/><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-1032303387894095635.post-8244991616898575744</id><published>2022-12-20T16:19:00.002+07:00</published><updated>2022-12-20T16:19:26.976+07:00</updated><title type='text'>Managing the Income Investment Planning Portfolio</title><content type='html'>&lt;div class=&quot;separator&quot; style=&quot;clear: both; text-align: center;&quot;&gt;&lt;a href=&quot;https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh62OFSL6T36Sq5EJnxIYNFGyu3bThaXS-hw-e3s7uA3HGRc1dJ7h4Njy_ZulECk1p0cWgJBpfsYEs3mRuTh5C91skTISxdljeBlxesjBI6PcWYPG6KVeO4Twc-diQUVSQu3g9PRj-5Wj3uhAgqwrqrAtE-SdW5KdCdSKswWSaDhd-b_tSyzUEo0GTN/s3940/2.jpg&quot; imageanchor=&quot;1&quot; style=&quot;margin-left: 1em; margin-right: 1em;&quot;&gt;&lt;img border=&quot;0&quot; data-original-height=&quot;2217&quot; data-original-width=&quot;3940&quot; height=&quot;236&quot; src=&quot;https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh62OFSL6T36Sq5EJnxIYNFGyu3bThaXS-hw-e3s7uA3HGRc1dJ7h4Njy_ZulECk1p0cWgJBpfsYEs3mRuTh5C91skTISxdljeBlxesjBI6PcWYPG6KVeO4Twc-diQUVSQu3g9PRj-5Wj3uhAgqwrqrAtE-SdW5KdCdSKswWSaDhd-b_tSyzUEo0GTN/w420-h236/2.jpg&quot; width=&quot;420&quot; /&gt;&lt;/a&gt;&lt;/div&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;The reason people assume the risks of investing in the first place is the prospect of achieving a higher rate of return than is attainable in a risk free environment…i.e., an FDIC insured bank account. Risk comes in various forms, but the average investor’s primary concerns are “credit” and “market” risk… particularly when it comes to investing for income. Credit risk involves the ability of corporations, government entities, and even individuals, to make good on their financial commitments; market risk refers to the certainty that there will be changes in the Market Value of the selected securities. We can minimize the former by selecting only high quality (investment grade) securities and the latter by diversifying properly, understanding that Market Value changes are normal, and by having a plan of action for dealing with such fluctuations. (What does the bank do to get the amount of interest it guarantees to depositors? What does it do in response to higher or lower market interest rate expectations?)&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;h2 style=&quot;text-align: left;&quot;&gt;You Dont Have to be a Professional Investment Manager&lt;/h2&gt;&lt;p&gt;You don’t have to be a professional Investment Manager to professionally manage your investment portfolio, but you do need to have a long term plan and know something about Asset Allocation… a portfolio organization tool that is often misunderstood and almost always improperly used within the financial community. It’s important to recognize, as well, that you do not need a fancy computer program or a glossy presentation with economic scenarios, inflation estimators, and stock market projections to get yourself lined up properly with your target. You need common sense, reasonable expectations, patience, discipline, soft hands, and an oversized driver. The K. I. S. S. Principle needs to be at the foundation of your Investment Plan; an emphasis on Working Capital will help you Organize, and Control your investment portfolio.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;h2 style=&quot;text-align: left;&quot;&gt;Plan your Retirement Funds&lt;/h2&gt;&lt;p&gt;Planning for Retirement should focus on the additional income needed from the investment portfolio, and the Asset Allocation formula [relax, 8th grade math is plenty] needed for goal achievement will depend on just three variables:&amp;nbsp;&lt;/p&gt;&lt;p&gt;(1) the amount of liquid investment assets you are starting with,&lt;/p&gt;&lt;p&gt;(2) the amount of time until retirement, and&amp;nbsp;&lt;/p&gt;&lt;p&gt;(3) the range of interest rates currently available from Investment Grade Securities.&amp;nbsp; If you don’t allow the “engineer” gene to take control, this can be a fairly simple process. Even if you are young, you need to stop smoking heavily and to develop a growing stream of income… if you keep the income growing, the Market Value growth (that you are expected to worship) will take care of itself. Remember, higher Market Value may increase hat size, but it doesn’t pay the bills.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;&lt;b&gt;First &lt;/b&gt;deduct any guaranteed pension income from your retirement income goal to estimate the amount needed just from the investment portfolio. Don’t worry about inflation at this stage. Next, determine the total Market Value of your investment portfolios, including company plans, IRAs, H-Bonds… everything, except the house, boat, jewelry, etc. Liquid personal and retirement plan assets only. This total is then multiplied by a range of reasonable interest rates (6%, to 8% right now) and, hopefully, one of the resulting numbers will be close to the target amount you came up with a moment ago. If you are within a few years of retirement age, they better be! For certain, this process will give you a clear idea of where you stand, and that, in and of itself, is worth the effort.&amp;nbsp;&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;Organizing the Portfolio involves deciding upon an appropriate Asset Allocation… and that requires some discussion. Asset Allocation is the most important and most frequently misunderstood concept in the investment lexicon. The most basic of the confusions is the idea that diversification and Asset Allocation are one and the same. Asset Allocation divides the investment portfolio into the two basic classes of investment securities: Stocks/Equities and Bonds/Income Securities. Most Investment Grade securities fit comfortably into one of these two classes. Diversification is a risk reduction technique that strictly controls the size of individual holdings as a percent of total assets.&amp;nbsp;&lt;/p&gt;&lt;p&gt;&lt;b&gt;Second&lt;/b&gt; misconception describes Asset Allocation as a sophisticated technique used to soften the bottom line impact of movements in stock and bond prices, and/or a process that automatically (and foolishly) moves investment dollars from a weakening asset classification to a stronger one… a subtle &quot;market timing&quot; device.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;&lt;b&gt;Finally&lt;/b&gt;, the Asset Allocation Formula is often misused in an effort to superimpose a valid investment planning tool on speculative strategies that have no real merits of their own, for example: annual portfolio repositioning, market timing adjustments, and Mutual Fund shifting. The Asset Allocation formula itself is sacred, and if constructed properly, should never be altered due to conditions in either Equity or Fixed Income markets. Changes in the personal situation, goals, and objectives of the investor are the only issues that can be allowed into the Asset Allocation decision-making process.&amp;nbsp;&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;h2 style=&quot;text-align: left;&quot;&gt;Basic Asset Allocation Guidelines:&amp;nbsp;&lt;/h2&gt;&lt;p&gt;(1) All Asset Allocation decisions are based on the Cost Basis of the securities involved. The current Market Value may be more or less and it just doesn’t matter.&amp;nbsp;&amp;nbsp;&lt;/p&gt;&lt;p&gt;(2) Any investment portfolio with a Cost Basis of $100,000 or more should have a minimum of 30% invested in Income Securities, either taxable or tax free, depending on the nature of the portfolio. Tax deferred entities (all varieties of retirement programs) should house the bulk of the Equity Investments. This rule applies from age 0 to Retirement Age – 5 years. Under age 30, it is a mistake to have too much of your portfolio in Income Securities.&amp;nbsp;&lt;/p&gt;&lt;p&gt;(3) There are only two Asset Allocation Categories, and neither is ever described with a decimal point. All cash in the portfolio is destined for one category or the other.&amp;nbsp;&lt;/p&gt;&lt;p&gt;(4) From Retirement Age – 5 on, the Income Allocation needs to be adjusted upward until the “reasonable interest rate test” says that you are on target or at least in range.&amp;nbsp;&lt;/p&gt;&lt;p&gt;(5) At retirement, between 60% and 100% of your portfolio may have to be in Income Generating Securities.&lt;/p&gt;&lt;p&gt;Controlling, or Implementing, the Investment Plan will be accomplished best by those who are least emotional, most decisive, naturally calm, patient, generally conservative (not politically), and self actualized. Investing is a long-term, personal, goal orientated, non- competitive, hands on, decision-making process that does not require advanced degrees or a rocket scientist IQ. In fact, being too smart can be a problem if you have a tendency to over analyze things. It is helpful to establish guidelines for selecting securities, and for disposing of them. For example, limit Equity involvement to Investment Grade, NYSE, dividend paying, profitable, and widely held companies. Don’t buy any stock unless it is down at least 20% from its 52 week high, and limit individual equity holdings to less than 5% of the total portfolio.&amp;nbsp; Take a reasonable profit (using 10% as a target) as frequently as possible. With a 40% Income Allocation, 40% of profits and dividends would be allocated to Income Securities.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;h2 style=&quot;text-align: left;&quot;&gt;Fixed Income Investment Planning&lt;/h2&gt;&lt;p&gt;For Fixed Income, focus on Investment Grade securities, with above average but not “highest in class” yields. With Variable Income securities, avoid purchase near 52-week highs, and keep individual holdings well below 5%. Keep individual Preferred Stocks and Bonds well below 5% as well. Closed End Fund positions may be slightly higher than 5%, depending on type. Take a reasonable profit (more than one years’ income for starters) as soon as possible. With a 60% Equity Allocation, 60% of profits and interest would be allocated to stocks.&lt;/p&gt;&lt;h2 style=&quot;text-align: left;&quot;&gt;&lt;br /&gt;&lt;/h2&gt;&lt;h2 style=&quot;text-align: left;&quot;&gt;Monitoring Investment Performance&lt;/h2&gt;&lt;p&gt;Monitoring Investment Performance the Wall Street way is inappropriate and problematic for goal-orientated investors. It purposely focuses on short-term dislocations and uncontrollable cyclical changes, producing constant disappointment and encouraging inappropriate transactional responses to natural and harmless events. Coupled with a Media that thrives on sensationalizing anything outrageously positive or negative (Google and Enron, Peter Lynch and Martha Stewart, for example), it becomes difficult to stay the course with any plan, as environmental conditions change. First greed, then fear, new products replacing old, and always the promise of something better when, in fact, the boring and old fashioned basic investment principles still get the job done. Remember, your unhappiness is Wall Street’s most coveted asset. Don’t humor them, and protect yourself. Base your performance evaluation efforts on goal achievement… yours, not theirs. &lt;b&gt;Here’s how, based on the three basic objectives we’ve been talking about: Growth of Base Income, Profit Production from Trading, and Overall Growth in Working Capital.&lt;/b&gt;&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;&lt;b&gt;Base Income&lt;/b&gt; includes the dividends and interest produced by your portfolio, without the realized capital gains that should actually be the larger number much of the time. No matter how you slice it, your long-range comfort demands regularly increasing income, and by using your total portfolio cost basis as the benchmark, it’s easy to determine where to invest your accumulating cash. Since a portion of every dollar added to the portfolio is reallocated to income production, you are assured of increasing the total annually.&amp;nbsp; If Market Value is used for this analysis, you could be pouring too much money into a falling stock market to the detriment of your long-range income objectives.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;&lt;b&gt;Profit Production &lt;/b&gt;is the happy face of the market value volatility that is a natural attribute of all securities.&amp;nbsp; To realize a profit, you must be able to sell the securities that most investment strategists (and accountants) want you to marry up with! Successful investors learn to sell the ones they love, and the more frequently (yes, short term), the better. This is called trading, and it is not a four-letter word. When you can get yourself to the point where you think of the securities you own as high quality inventory on the shelves of your personal portfolio boutique, you have arrived. You won’t see WalMart holding out for higher prices than their standard markup, and neither should you. Reduce the markup on slower movers, and sell damaged goods you’ve held too long at a loss if you have to, and, in the thick of it all, try to anticipate what your standard, Wall Street Account Statement is going to show you… a portfolio of equity securities that have not yet achieved their profit goals and are probably in negative Market Value territory because you’ve sold the winners and replaced them with new inventory… compounding the earning power! Similarly, you’ll see a diversified group of income earners, chastised for following their natural tendencies (this year), at lower prices, which will help you increase your portfolio yield and overall cash flow. If you see big plus signs, you are not managing the portfolio properly.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;&lt;b&gt;Working Capital Growth&lt;/b&gt; (total portfolio cost basis) just happens, and at a rate that will be somewhere between the average return on the Income Securities in the portfolio and the total realized gain on the Equity portion of the portfolio. It will actually be higher with larger Equity allocations because frequent trading produces a higher rate of return than the more secure positions in the Income allocation. But, and this is too big a but to ignore as you approach retirement, trading profits are not guaranteed and the risk of loss (although minimized with a sensible selection process) is greater than it is with Income Securities.&amp;nbsp; This is why the Asset Allocation moves from a greater to a lesser Equity percentage as you approach retirement.&lt;/p&gt;&lt;h2 style=&quot;text-align: left;&quot;&gt;&lt;p style=&quot;text-align: left;&quot;&gt;&lt;br /&gt;&lt;/p&gt;Conclusion&lt;/h2&gt;&lt;p&gt;So is there really such a thing as an Income Portfolio that needs to be managed? Or are we really just dealing with an investment portfolio that needs its Asset Allocation tweaked occasionally as we approach the time in life when it has to provide the yacht… and the gas money to run it? By using Cost Basis (Working Capital) as the number that needs growing, by accepting trading as an acceptable, even conservative, approach to portfolio management, and by focusing on growing income instead of ego, this whole retirement investing thing becomes significantly less scary. So now you can focus on changing the tax code, reducing health care costs, saving Social Security, and spoiling the grandchildren.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;&lt;span style=&quot;background-color: white; font-family: Roboto, sans-serif; font-size: 16px;&quot;&gt;Please kindly visit https://www.techvarieties.com to get the latest&amp;nbsp; news about software and technology.&amp;nbsp;&lt;/span&gt;&lt;/p&gt;</content><link rel='replies' type='application/atom+xml' href='https://3000dollarsamsuga.blogspot.com/feeds/8244991616898575744/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='https://3000dollarsamsuga.blogspot.com/2022/12/managing-income-investment-planning.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='https://www.blogger.com/feeds/1032303387894095635/posts/default/8244991616898575744'/><link rel='self' type='application/atom+xml' href='https://www.blogger.com/feeds/1032303387894095635/posts/default/8244991616898575744'/><link rel='alternate' type='text/html' href='https://3000dollarsamsuga.blogspot.com/2022/12/managing-income-investment-planning.html' title='Managing the Income Investment Planning Portfolio'/><author><name>Unknown</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh62OFSL6T36Sq5EJnxIYNFGyu3bThaXS-hw-e3s7uA3HGRc1dJ7h4Njy_ZulECk1p0cWgJBpfsYEs3mRuTh5C91skTISxdljeBlxesjBI6PcWYPG6KVeO4Twc-diQUVSQu3g9PRj-5Wj3uhAgqwrqrAtE-SdW5KdCdSKswWSaDhd-b_tSyzUEo0GTN/s72-w420-h236-c/2.jpg" height="72" width="72"/><thr:total>0</thr:total></entry><entry><id>tag:blogger.com,1999:blog-1032303387894095635.post-2990392261387291823</id><published>2022-12-20T16:03:00.000+07:00</published><updated>2022-12-20T16:03:14.421+07:00</updated><title type='text'>The 4 Golden Rules Of Personal Finance</title><content type='html'>&lt;div class=&quot;separator&quot; style=&quot;clear: both; text-align: center;&quot;&gt;&lt;a href=&quot;https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjx6C4wQEeJCccqUfPovtgdMYVF80wWB6VqsY70aZbAA1Jb25zHlKTHzbwEWxma3NZUDqCw0NGWuEdzBcgF0H36Uk_y90z4FnMB7RFZDynLdCA1nPu39WP0PoBSMAAXk8eKyIZlSAT5xxnGsy93o-3af2_SjVg2KtYtoRmkxmXmpQ-UkL4pIgH7Yyqp/s5184/1.jpg&quot; style=&quot;margin-left: 1em; margin-right: 1em;&quot;&gt;&lt;img border=&quot;0&quot; data-original-height=&quot;3456&quot; data-original-width=&quot;5184&quot; height=&quot;295&quot; src=&quot;https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjx6C4wQEeJCccqUfPovtgdMYVF80wWB6VqsY70aZbAA1Jb25zHlKTHzbwEWxma3NZUDqCw0NGWuEdzBcgF0H36Uk_y90z4FnMB7RFZDynLdCA1nPu39WP0PoBSMAAXk8eKyIZlSAT5xxnGsy93o-3af2_SjVg2KtYtoRmkxmXmpQ-UkL4pIgH7Yyqp/w443-h295/1.jpg&quot; width=&quot;443&quot; /&gt;&lt;/a&gt;&lt;/div&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;Many successful people have mentors to guide them in learning the skills that lead to achievement, and I’ll do my best to offer you some critical personal finance perspectives. They say that life is a school where you learn the lesson after the test. The same thing applies to money, but you can’t go back in time to fix catastrophic financial mistakes that you have made over time. As long as you are alive, you are a player on the field of the money-game, and you need to know the basic rules before you get tagged by the experienced players.&amp;nbsp;&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;h2 style=&quot;text-align: left;&quot;&gt;Rule #1: To Earn Money From Money.&amp;nbsp;&lt;/h2&gt;&lt;p&gt;The only way to escape becoming a wage slave for the rest of your life is to set aside savings. The profit on your savings can be used to increase your lifestyle spending, reduce the number of years until you retire, or allow you to actually have any retirement at all. How are you doing so far toward saving and getting it to earn money for you?&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;Every dollar that you spend eliminates its ability to earn money for you in the future. I am not recommending that you stop eating at restaurants and going to movies, I am recommending that you use some common sense, like looking at your four biggest expenses over the last few months and aggressively finding a way to reduce them.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;The biggest obstacle for the first rule is personal debt of any kind (other than a mortgage for your home) or a lease of any kind. Every personal debt that you incur reduces your net worth which could have been working for you over your life time. Acquiring personal debt is exactly like putting a large hole in your wallet. In the money-game, a huge transfer of wealth occurs between the ‘Haves’ and the ‘Have-Nots’ over the words, “I can afford that monthly payment.” Here is a hint: the “Have-Nots” are the ones who make that statement. So please don’t ever look at whether you can afford a monthly payment to make a purchase; pay in cash after you’ve saved for the item. [Everything that you buy with a 0%-interest payment plan must be over-priced. Behind the scenes, your payment contract is sold to a lender with an interest rate, and retailers don’t do this without building-in an acceptable profit for themselves. Ask retailers how much the item will cost if you pay in full, and you could get a lower price.]&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;h2 style=&quot;text-align: left;&quot;&gt;Rule #2 Always Keep Your Finances Under Control.&amp;nbsp;&lt;/h2&gt;&lt;p&gt;The first step in losing financial control and spiraling into debt and money problems is simply not dealing with personal finances. Prepare for catastrophic financial accidents with health, life, disability, and auto insurance. Plan and save before you buy something. Create a balance sheet for yourself at least once a year to see how you are progressing. Pay every bill on time, or contact the creditor to tell them what is going on and make a partial payment. If you are temporarily unable to handle any of this, ask for some help immediately and find someone trustworthy who will do this for you.&amp;nbsp;&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;The most common source of financial trouble is a trauma in your life. This can be a health problem (large expenses or unable to work), an emotional problem (divorce or loss of loved one), or a financial problem (losing a job, cut in pay, relocation, unexpected expenses). Whichever the source may be, it leads to three emotional problems: the first is denial, the second is being overwhelmed, and the third is hopelessness. Denial causes people to not open their mail and continue spending as usual, and being overwhelmed paralyzes people from getting assistance and dealing with the situation. For example, if you just lost a loved one, balancing your checkbook and paying bills is not high in your priorities. Unfortunately, tiny amounts of debt grow with interest and penalties into seemingly insurmountable mountains of debt; leaving you with loathsome options such as bankruptcy, poor credit, declining lifestyle spending, and added stress that you bring to relationships and work.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;h2 style=&quot;text-align: left;&quot;&gt;Rule #3 Pay Attention To The Finances Of The People With Whom You Spend The Most Time.&amp;nbsp;&lt;/h2&gt;&lt;p&gt;Whether they are relatives, friends, or co-workers, these people have the most impact on your financial life. Do they consistently follow the first two rules of the money game? Do they earn about the same money as you? If the answer to either of those is “no”, then I recommend that you start spending a little less time with them; and this is why. If they don’t consistently follow the first two rules, it is unlikely that you will either. You unconsciously model the people around you, and the more people you are exposed to that don’t follow the first two rules, the more likely that you will unwittingly follow them. No one thinks they are ‘trying to keep up with the Joneses’, but we all do it to some extent, and this is the mechanism. On the other hand, if they earn a lot more money than you, you may rack up a lot of debt trying to keep up with them (meeting them at their favorite expensive restaurant, joining them for another expensive vacation, buying a new car because yours is the junker among all of your friends, etc.) On the other hand, if most of your friends earn a lot less than you, you will turn into the group’s banker. For example, you’ll find yourself in the pattern of putting your credit card down to pay for dinner and they’ll all say they’ll pay you back later, but 50% of them never do; and they don’t mind taking advantage of you because, after all, you earn a lot more than they do. Or, you and your friends need to pay a deposit for renting a house and they expect you to write the checks because you have the money available and they do not.&amp;nbsp;&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;The neighborhood that you live in also creates financial pressure to violate the first two financial goals. Your neighbors are likely to become friends (and I’ve already gone over this), but they also influence the size of your home, extent of your landscaping, price of furniture, and the size of your TV. So pay very close attention to the finances of your neighbors – if you don’t like how they are measuring up for first two rules, move somewhere more in alignment with your financial goals. If your family and friends, don’t measure up financially, find some additional people to spend time with that have financial habits that you’d like to emulate and learn from. I have friends with a wide range of income, but it is much more difficult to follow the first two money rules when I am with the extremes from my own income. You’ll just find it easier to reach the next rule when the peer group that you hang out with aligns closer to your economic level.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;h2 style=&quot;text-align: left;&quot;&gt;Rule #4 Accelerate The Other Three Rules&lt;/h2&gt;&lt;p&gt;Add to your savings by increasing your income through advancing your career. It doesn’t matter whether you enjoy it; it is a means to an end – with the end being progress toward the fulfillment of rule #1. Increase the amount that you save by aggressively lowering four of your highest expenses. Start spending time with people that talk about investing money and are systematically building their wealth the fastest. The combination of all four of these rules will hopefully offer a next-step for you to take today to start getting more ‘wins’ in the money-game.&lt;/p&gt;&lt;p&gt;&lt;br /&gt;&lt;/p&gt;&lt;p&gt;Please kindly visit &lt;a href=&quot;https://www.techvarieties.com&quot;&gt;https://www.techvarieties.com&lt;/a&gt; to get the latest&amp;nbsp; news about software and technology.&lt;/p&gt;
1213.  
1214. </content><link rel='replies' type='application/atom+xml' href='https://3000dollarsamsuga.blogspot.com/feeds/2990392261387291823/comments/default' title='Post Comments'/><link rel='replies' type='text/html' href='https://3000dollarsamsuga.blogspot.com/2022/12/the-4-golden-rules-of-personal-finance.html#comment-form' title='0 Comments'/><link rel='edit' type='application/atom+xml' href='https://www.blogger.com/feeds/1032303387894095635/posts/default/2990392261387291823'/><link rel='self' type='application/atom+xml' href='https://www.blogger.com/feeds/1032303387894095635/posts/default/2990392261387291823'/><link rel='alternate' type='text/html' href='https://3000dollarsamsuga.blogspot.com/2022/12/the-4-golden-rules-of-personal-finance.html' title='The 4 Golden Rules Of Personal Finance'/><author><name>Unknown</name><email>noreply@blogger.com</email><gd:image rel='http://schemas.google.com/g/2005#thumbnail' width='16' height='16' src='https://img1.blogblog.com/img/b16-rounded.gif'/></author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjx6C4wQEeJCccqUfPovtgdMYVF80wWB6VqsY70aZbAA1Jb25zHlKTHzbwEWxma3NZUDqCw0NGWuEdzBcgF0H36Uk_y90z4FnMB7RFZDynLdCA1nPu39WP0PoBSMAAXk8eKyIZlSAT5xxnGsy93o-3af2_SjVg2KtYtoRmkxmXmpQ-UkL4pIgH7Yyqp/s72-w443-h295-c/1.jpg" height="72" width="72"/><thr:total>0</thr:total></entry></feed>

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