Free Retirement Planning Tips

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Hello-

With summer almost upon us, you may be considering taking a family vacation.  However, with the price of fuel at its highest, you may have to limit your summer vacation to three or four days.  To this end, here are ten cheap places to go for summer vacation.

1.  Las Vegas.  With air fare and two-night hotel accommodations, prices can range from $161.00 to $465.00 per person.  There are discount air prices for kids as well as free room accommodations for them.  This is a great place to take kids since the meals are very affordable and there are plenty of sights and activities available for both kids and adults.

2.  Hawaii.  There are currently all-inclusive packages available for a four-night stay in Oahu.  Prices start at $752.00 per person.  Again, there should be an airline discount for children as well as free room accommodations.

3.  Mexico City.  With airfare and four-night hotel accommodation, prices start at $454.00 per person.  Meals will be affordable and there are plenty of activities for kids, as well as cultural sights the entire family will enjoy.

4.  The Bahamas.  Not only is this a friendly island, but inexpensive as well.  For four-night hotel accommodation including airfare, you can expect to pay a minimum of $560.00 per person per adult.  This is another great place to relax and enjoy a myriad of activities.

5.  Barbados.  Affordable at $587.00 per person, you can enjoy four nights at the Palms Resort with your kids.  This is a beautiful island that offers rest and relaxation as well as activities your kids will enjoy.

6.  The Grand Cayman Islands.  This is a wonderful and affordable destination for the entire family.  For airfare and a four-night stay, prices start at $684.00 per person.  Again, kids can fly at discounted prices and enjoy room accommodations either for free or at a low discount.

7.  Orlando.  No doubt your kids will display much excitement upon learning they are going to Disney World.  For a three-night stay including airfare, the prices begin at $302.00 per person.

8.  You can check online for theme park tickets offered at discount prices.  Or you may choose to book a property that has a room with a kitchenette so that you save on dining out.

9.  Time Share Property.  If you have a friend or relative who owns a time share and doesn’t plan on using it all summer, this would be a great time to inquire if it is available for a few days or longer.  The money you can save would be immeasurable since it probably has kitchen facilities.

10.  Europe.  While this may sound expensive, summer travel to Europe can be affordable.  As long as you book a month or more in advance, you can take advantage of special deals offered by the airlines as well as hotels or inns.

With gas prices at $4.00 a gallon, taking a trip during the summer vacation may be limited to three or four days.  But, you can make the most of this time away by choosing a destination that offers fun activities for kids, affordable accommodations that include kitchenettes, and checking online to find discount tickets as well as booking sightseeing tours in advance.

I’m sending you a quick note right now, because I have something very important to tell you about.

In fact, right before posting this, I just called round most of my own family telling them about this website.

You see I was surfing the Internet the other day researching trading stocks and I came across an interesting website.

It’s about this email stock picks newsletter, and each week this guy sends out a stock pick…

And the average gain so far has been 84.79% within 3 days of the pick being made.

Anyhow I don’t want to tell you too much about this service, because it costs $12,500 to join the newsletter!

But I did a little further research, and after finding some interesting forum discussions, someone pointed me to another website.

You see the owner of this newsletter (who is the stock market genius who makes the picks) recognized he had a problem…

Even though subscribers of his newsletter are able to almost double their trading money each and every week…

The only way he was getting new subscribers, (at $12,500 a pop) was when his subscribers made recommendations to friends and family.

So he thought about this problem and came up with what I believe is an ingenious solution:

At the link below, you’ll be able to type in your name and email address.

For the next 4 weeks after, you’ll receive one stock pick per week (the same pick sent to his subscribers)…

And you’ll be able to see that his service is worth the cost… As you’ll be watching, live, each week as his actual stock picks almost double.

Now…

These stocks can often rise over 100% within a matter of days.

In fact after being a newsletter member for 3 weeks, I invested on the 4th stock pick… and made $1876.00 (pure profit).

Which is precisely why I just rang round all of my family telling them about this website.

Oh but there’s one more thing before I give you the address, there is a limit to the number of the newsletter placements.

Maybe David (who runs the newsletter) will have closed shop, by the time you read this email. If so, don’t worry as he’ll allow you to join the waiting list.

Click here for your 4 free stock picks

Best Regards,

David Lindberg

Hello-

The 2008 Retirement Confidence Survey indicates that more people are concerned about their retirement, the economy, and health care.

Most people do not have enough saved up to retire on:

“Most savings levels are modest— Forty-nine percent of workers report total savings and investments (not including the value of their primary residence or any defined benefit plans) of less than $50,000. Twenty-two percent of workers and 28 percent of retirees say they have no savings of any kind.”

Source

Can you live on retirement savings of only $50,000?

Probably not.

If you retire at 55 or 65 and expect to live 20-30 years, you’re going to need a lot more than $50,000 to retire on.  Social Security is not going to provide you with a comfortable retirement.

How much do you need to save for retirement?

There is no magic number that will work for everyone.  However, you need to add at least another zero to the $50,000 amount of retirement savings.  $500,000 is a good start.  Most will need up to a million or more.

How the heck are you going to save up to a million dollars by the time you retire?

How the heck do you eat an elephant?

One bite at a time.

You need to start, and start now.

The goal is to save at least 10% of your gross income.  Do an automatic deduction from your paycheck and put that into your 401k at work or into an IRA.

Each year as you get a raise or bonus, increase the amount of your automatic deduction.

It’s easier to save for retirement when you don’t have debt to worry about.

Take the steps you need to get out of debt so you can devote more of your income to the future instead of paying for the past.

Work more hours at work, take voluntary overtime, start a second job.  There are many ways to increase your income or supplement your income.  But you won’t find them by watching TV when you get home from work.

If you take the small steps now to start saving for your retirement, you may actually get the chance to retire when you turn 65.  If not, you may be spending many more years at that thankless, unrewarding job of yours.

You don’t want a gruesome retirement do you?

Setup the automatic deduction, enroll in your 401k program at work, get out of debt, increase your income and save, save, save.

-Adam

What to do once you’ve retired - Retirement living tips

The time has finally arrived: retirement!  All those years of working hard, scrimping and saving for this day, and looking forward to enjoying all the things we’ve wanted to do and achieve.  Are we leaving out one important factor?  Here are some tips for staying active once retirement comes.

On the first day of retirement, one of the first pleasurable things we tend to do is sleep late.  No more getting up at the crack of dawn to drive endless hours to the office.

No more getting home late, missing dinner with the family.  It’s our time now, and we can do whatever we like, whenever we like.  Sounds wonderful, doesn’t it?

Perhaps we make lists of things we are going to do, places we are going to go, and people we are going to visit.  Yet, on the second day of retirement we might wake up late again, make a pot of coffee, read the morning paper, look out the window and decide to stay in for the day.  After all, there is plenty of time to do all those things we’ve listed.

On the third day and every day afterward for the next few months, we might follow the same routine.  Relaxation has become our friend and we like this new friend.  The problem is we are ignoring our other friends.  Who are they?  Daily walks, exercising, proper nutrition, and outdoor activities.

Once retirement comes we often seem to forget there is still a wonderful life to live.  A life filled with adventure, new areas to explore in education, the arts, sports, hobbies, and those things we never had time for before retirement.

Staying active is necessary in order to maintain a healthy lifestyle.  Adopting the position that we can do whatever we want, doesn’t mean we can do nothing and still remain active.

If you are nearing retirement, now is the time to make a list that you will stick to.  If you enjoyed golf as a hobby, make it your lifetime friend.  Get plenty of exercise by engaging in activities you love, most of which are hopefully outdoors.  Seek ways to keep your mind active as well by enrolling in a course at your local college.  Visit museums, art galleries, and other cultural institutions you never had time for.  Go to plays, operas, musicals; take short trips to places you’ve never been.  Take the road less traveled.

Retirement is a wonderful time.  It gives us the opportunity to learn and grow, achieve new successes, start new businesses, and meet new friends.  Life doesn’t stop when we retire, but is the beginning of a new life filled with wonder, empowerment, and freedom.