Author: Adrian Hargray
If you’re looking for some ways to get out of debt and save some money also, then this article is just for you. Inside of article, you learn money saving tips you can use to save money so that you can pay off your debts faster. All of these tips are things that I do myself, so you can benefit from my personal advice. (more…)
Here’s How It Works:
For some reason there are a lot of people out there who would rather lie, cheat and steal, than to go out and earn an honest day’s living. Because of that, credit card scams are on the rise, and one of the more prominent tools used to perpetrate the scam is email. In this case, the scammer will send you an email message (scam) that appears to be from your credit card company. (more…)
Scams are everywhere these days. It seems like the answering machine and inbox are filling up with people trying to “take” you in one way or another, almost daily. So we’ll take just a couple of minutes to review one of the tools scammers use-the telephone-and how they like to exploit it. Here’s how it often plays out:
The phone rings and the person on the other end claims to be from your credit card company. The caller will give you some story that your card appears to have been used fraudulently, or that it has been compromised in some form. They will then ask you to confirm some personal information. (more…)
With stagnant incomes and roller-coaster investment returns over the past decade, individuals on the brink of retirement might wonder what became of all those “rules of thumb” affecting how they handle their nest egg once they walk away from their jobs.
They’re still there. But the question of how well they work comes down to the individual.
Chief among them is the “Four Percent Drawdown Rule” first revealed by CERTIFIED FINANCIAL PLANNER™ professional William Bengen in the October 1994 issue of the Financial Planning Association’s Journal of Financial Planning. Bengen wrote that retirees who took out no more than 4.2 percent of their mostly stock-based portfolio in the initial year and adjusted their remaining portfolio toward a 60/40 split in stocks and bonds each year, that money could last an average of 30 years. That approach made Bengen’s work a gospel in the financial planning industry. (more…)
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"We filled out our 20/20 Analysis and we were able to see that, had we stayed on the same payment plan, it was going to take 48 years 11 months before we could become debt-free. Now with your program, we can be debt free in 8 years and 6 months! How exciting! And that is just the beginning. We have been able to dream bigger dreams than we ever dared before. Thank you from the bottom of our hearts."
Chris & Julie
Tampa, FL
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