Timo Yla-Soininmaki


Even though a million dollars is no longer as much money as it once was. Not too long ago one could almost retire on one million, but it is still a lot of money. If you are old enough to retire near future one million dollars could help you a great deal to have a nice comfortable retirement.

That is if you have lived within your means for the last 10 to 20 years. But if you have a lot of debt and expenses you can burn through a million real fast. You may not even be able to retire as this is the case for too many people today. They have trusted their good luck or just wish for some sort of miracle that will enable them to retire in debt free. Most people in US don’t have enough money to retire and to keep their current living standards.

According to the Social Security Administration; take any 100 people at the start of their working careers. Follow them for 40 years until they reach retirement age, and here’s what you’ll find:

- Only 1 will be wealthy.

- 4 will be financially secure.

- 5 will continue working, not because they want to but because they have to.

- 54 will be dead broke – dependent on their meager Social Security checks, relatives, friends, and even charity for a minimum standard of living.

- 36 will be dead.

- That means only 5% of the work force ends up being financially successful while 95% retire more or less destitute.

What group of people you will belong to at your retirement? Even if you are close to a retirement age, there are still many things you can do to better your future. And if you are still young don’t trust your good luck that you will be ok at the retirement age, even if the most of the population does so.

Simple solution: Be smart; plan early and act on your plans. Be careful with your money. Start saving money early. Spend less than you earn. Invest smart. And the most importantly live healthy so that you will not be one of the 36 who will be dead. Find your passion, eat healthy foods, don’t put on excess weight, live clean life without drugs and cigarettes, eat your vegetables, stay mentally and physically active, take your vitamins, exercise and reduce your stress levels. Stress kills!

If you are already close to the retirement age; make a clear plan for the next few years with a calculator in hand. Sell all the junk you don’t need. It’s surprising how much money you can make that way and you will feel better when your closet and garage are empty. Stop buying junk and start saving like there is no tomorrow. Get rid of useless second cars, boats, trailers, summer homes etc. if you are not using them. Pay off your debt; especially credit cards. Put your savings to work by investing them to something that will give you good return, but since your are close to the retirement invested safely. Try to find a second source of income if possible. Something that you can do on the side like; selling stuff on EBay, making something by hand that you could sell. Write book and sell it. Do consultations on your field of business etc. This second ‘job’ should be something you truly enjoy doing not just a job. You will need something challenging and interesting to keep you going once you retire. Sell your home and downgrade it; you may not need as big of a house or apartment any more. All this can easily save thousands of dollars that will be very handy once you retire. Most folks have no plans what so ever. A good plan is half the battle.

There is a way to retire rich, but it takes a lot of planning and doing. If you are from a rich family then it’s a different story, but if you are on your own, then you must be very smart in order to retire wealthy. One mistake is that especially when it comes to investing and stock trading people expect huge returns or they have no good plan as how to make the market to work for them. You must be patient with the market. Don’t spend your hard earned money on stock recommendation letters that promise you something that sounds too good to be true. Find a turtle that delivers positive returns year after year.

Actually it doesn’t take that much growth to have a nice nest egg at retirement if you have the luxury of time. For example…. actually why should I do it for you? You calculate yourself how much money you need to save to retire in style (millionaire) and maybe you will learn something in the process. Yahoo site below has a ton of financial calculators. It even has a ‘How to become a Millionaire’ calculator.

Good luck with your quest for money and happiness. Don’t forget the happiness part it is more important than money. Too many people work for long hours for years practically killing themselves trying to become wealthy to be totally disappointed once they reach the riches. Enjoy the trip; you may or may not reach your monetary goals, but you will have a certain amount of time on this great earth; use it wisely by enjoying it as much as possible at any given time of your life.

If you like stock market, gold and ETFs check out my www.etf-gold-stocks.com website. It offers 3 free months limited time and no credit card needed.

http://finance.yahoo.com/calculator/career-work/sav-01

http://finance.yahoo.com/calculator/index;_ylt=AnULo0WF5MqIm5Kcz5nudMq7YWsA

sParKy


I really need to save for a house deposit…i’ve put loads on ebay already! What else can i do?

No job – so job ideas i can work around university/holidays?
My only outgoings are – mobile bill on lowest tariff and petrol to commute to uni and drive bout.

I’ve got 12 months to save as much as possible and need any ideas! I’ve got 3k so don’t know the best place to invest that?

So i need job ideas suiting my circumstances, where to invest money and any other money making ideas or tips?

James Rudolph


Just like the game show huh…Well in the Business industry it surely is possible. Here you can get started with little to no investment and be on the fast track to being a millionaire. To tell you the truth I have never made a million dollars in a year. Will I have by the end of this year collectively for the last 3 years. “Yes.” This is a goal that takes true development personally. The type of mindset you need will consist of determination,passion,and organization. It is a true work in progress. So I am going to tell you the best way I know how to becoming a millionaire.

*Invest In Personal Development- Large amounts of money require you to build a team that will need to know how you want things, and understand that if they don’t get executed in that way, your business won’t have the greatest amount of success its capable of having. Learn How to be a leader and develop people skills.

*Learn how to market- Any entrepreneur can make tons of money if they can find an infinite amount of people who are interested in what they have to offer. Create a love for copy writing and ad posting.

*Get Organized- Organization in your paperwork,contacts,and vendors are important but the most important place to be organized in is your marketing. If your always tracking your marketing and if your always organized in it. You’ll pick out every-time where and what needs to be changed to build greater results.

Would you like to know how I do it?

Download This Free Report On: MLM Recruiting

Get My Just Finished Marketing Report On: Article Marketing

Ann Moss


That may seem like a strange title to an article, but think about it, have you ever wanted to become the next internet millionaire? Have you ever wondered what it would take to be able to become a millionaire? There are many people just like you, but what is different between the current internet millionaires and yourself? Knowledge? Being smart? Having money to begin with? There are so many stories out there; it’s really hard to separate fact from fiction. So what does it really take to become the next internet millionaire?

Let’s start with the basics and develop a list of what that next internet millionaire must have.

1. Desire

2. Knowledge

3. Commitment

Desire – have you ever wanted something so badly, you would do just about anything to get it? That’s what it takes here. You have to want it badly.

Knowledge – did our internet millionaire magically have the knowledge on what it would take to be successful on the internet? Or did he or she learn it? If the skills can be learned, what does it take to learn the skills? Where do find the people to teach you? It’s all about finding the right coach or mentor to help you get started.

Many people trying to become successful on the internet think that they can just buy the ebook knowledge and put it to work and it will must magically happen. Reality Check #1 !!! If it was that easy, do you think these guru’s would just give you all the answers? No!! They give you just enough to keep you seeking a little bit more, just enough so that you will buy the next ebook form them.

Commitment – are you committed to making your dream a reality? What does that commitment mean? Are you just going to “part time” this or are you really going to commitment yourself to this goal and strive day in and day out to achieve it. Reality Check #3 !!! Do you quit when it gets tough? Just so you know this is just like any other business out there. It gets tough at times. So enough about commitment. What do you need to do to succeed? That is really the question.

Tip #1 – find the best coaching and mentoring program that you can find. Make sure that they have your interest at heart, not just their pocketbook.

Tip #2 – some of the best coaching and mentoring programs out there will not break your wallet. It you are expecting something for free – think again – it’s not going to help you that much. You need people with experience and a proven track record of success. You want mentors that are dedicated to their trade and practice it well. A note here – the best mentoring programs have more than one mentor.

Tip #3 – commit to a specific amount of time that you will spend building your new career. It’s not going to happen overnight, so make sure you keep it realistic.

Now’s the time. Have you made the decision? Are you going to become the next internet millionaire? Do you have the desire, the willingness to gain the knowledge, and the commitment to make it all happen?

Bleeding heart


I am struggling with a broken relationship. I tend to get overly involved, and invest heavily in a relationship.

Now I continually think about the past, about my wounds, about everything that happened between us, especially the bitter things.

This is giving me grey hair and beard, and worry lines on my face. I don’t want all that. I want to come out of it as quickly as I can. I have been told to forget it, but it isn’t easy. I am of an overly worrying nature, and the throughts haunt me every single second of my day.

I’m out of job, and so have a lot of time to sit back and worry.

Please advice me on some extraordinary methods to forget someone and get out of this situation.

Paul McCormick


$700 Billion Dollar Bail Out – This week we have seen possibly the biggest financial upheaval in the American economy since the great depression; and some say this is worse but in different ways. We’ll talk about not only what this means to the American people, but also show what opportunity it creates for those like you and me who chose to think like a millionaire and make this an opportunity to create more wealth and more freedom.

First let’s shed some light on this weeks unprecedented events at the Federal level.  Yesterday John McCain called a meeting with the white house resulting in a meeting with President Bush, McCain, and Obama in attempts to bring agreement on a plan to go before congress immediately allowing the treasury department to buy huge amounts of bad debt in the form of delinquent mortgages that are now owned by banks.

In simple terms, millions of Americans took out home loans during the last few years and are now unable to pay them back.  Here’s how the normal process works.  You want to buy a house, you go to the bank and get a loan, the bank loans you $300,000 and you sign a contract agreeing to pay them back 6% interest for 30 years.

That bank turns around and sells that contract to Fannie Mae or Freddie Mac, for $300,000. So the bank you got the loan from, now has the $300,000 back in their hand so they can offer another loan to your neighbor or anyone else who comes along. Each time the bank loans a person money, they turn around and sell that contract to Fannie or Freddie to get their money back. This is how banks keep having more money to loan.

Fannie Mae and Freddie Mac for most of the last century were private institutions regulated heavily (or so we thought) by the federal government.  So, where does Freddie and Fannie get their money? They turn to investors, teachers retirement plans, mutual funds, etc.  Investors invest in retirement plans, mutual funds, etc in order to receive a 6% or so return on their money.

So, investors pay into investment vehicles, like a retirement plan or a mutual fund. Fannie and Freddie receive those large sums of money, Fannie and Freddie take that money and buy the loan contracts from your bank.  When you pay your house payment to your bank it goes to your bank, then to Freddie and Fannie and eventually into the hands of the investors who put up the money in the first place.

When home owners start defaulting and cannot pay back the house payments, Freddie and Fannie are still on the hook to pay their investors back, meanwhile they start going broke, because no money is coming in, but they still have to pay back to their investors.

So, they were on the brink of disaster last month and that’s why the Federal government took them over in an unprecedented effort to save the financial collapse that would have resulted; especially when considering that over half of all homes in America are backed by Freddie and Fannie. So now, Freddie and Fannie are government owned and controlled. The Feds (you and me as taxpayers) are now guaranteeing the return to the investors.

This week we saw a similar effort in the works to rescue the banks who are facing bankruptcy because of the millions of home buyers not able to pay back mortgages. Unlike the Freddie and Fannie scenario, the federal government is not going to take over the entire national banking system, but they did propose to buy the bad contracts from the banks, in an amount that may reach $700 Billion in bad debt.

How does this help? Initially it will put cash back into the hands of the banks so they can continue to lend money to investors seeking loans. Short term it stops the crisis.  The real question is, what will happen during the following 12 months and next two years now that the Federal government just bought the bad debt. After all the our federal government is already 11.7 trillion in debt, and now we want to bail out private banks with a plan to buy all their bad debt.

Since the Feds would be buying the bad debt at a large discount, they hope that eventually those contracts will be paid back and in the end the Feds could make a profit. If history repeats itself, we find that the savings and loan debacle of 1986-1991 resulted in the Resolution Trust being set up to do essentially the same thing.  In that case the Feds bought bad debt to bail out the banks and then sold those notes to investors at discounts.  This may be a repeat of history. the big question looming in the air is, will it work again? No one knows for sure.

What does this mean for you and me?  Uncertainty for sure. These are unprecedented times and the amount of banks failing is increasing.  A Billionaire close to the issue who was quoted in USA Today predict that up to 1000 local banks could fail during the next 18 months, resulting in a handful of conglomerates running the national banking system.

Yesterday’s meeting between President Bush, McCain, and Obama was hoped to reach a consensus; they did not.  But in principle they have reached a common understanding to implement this massive bail out immediately. But before it is final it must go before congress and be approved.

Wil this mean banks will be more willing to lend you money to buy a home or refinance a home? Probably not. The banks are scared, and do not want to take on any more bad debt. The lending standards are still very strict, thus resulting in continued tight times for anyone wanting to buy a home. This offers no help to those home owners struggling to make the payments; they still may get foreclosed on or go bankrupt.

What does this mean to you and me?  Home prices will remain depressed for the next 18 months and likely continue to decline another year for sure, resulting in more defaulting home loans.  Lack of money moving in the economy will put pressure on consumer goods to increase in price so manufacturers and retailers can cope with reduces sales.  So in summary a still worsening economy with risk of future inflation.

Why am I telling you all this bad news? Because for people like you who want to be a millionaire, to be financially free and be able to make millions and millions of dollars in any economy, there is always a way for those who know how to succeed.  Everyday when I see the news of failing banks and economic crisis, I actually get excited.  To me, change is fun and exciting.  Most people would not understand this, but when you learn to think like a millionaire, you realize you cannot fail.  I know 100% that I will make tons of money this year in a good economy.  And when I read the doom and gloom in the paper I know that most of the competition will get scared and freeze, allowing me to make my millions more easily because I have no fear.

When you acquire the mind of a millionaire you will succeed no matter what the situation is.  And when everyone else is scared and becoming more conservative, it takes out all your competition.  That’s why the rich keep getting richer and the poor keep getting poorer.  And in good economic times the rich get richer, and in bad economic times the rich get even richer yet.

So, how do you learn more? I walked away from my corporate career as a CEO in order to help the world become financially savvy.  I want to make millionaires. I have an ongoing mentoring program to help you think like a millionaire, act like a millionaire and become a millionaire.  I don’t make my money off people like you signing up for my programs.  I make money, but let me clarify, still 98% of all my money is earned in other ways.  I require you to pay a little for the process because when you pay something, it becomes more important to you and that helps you succeed.

If you want some free moeny reports about how you can start thinking like a millionaire go to www.FormulaForMillionaires.com

Paul McCormick, Author of Secrets of the Millionaire Inside

fash12345


I want to get into the stock market and would like some tips and any good stocks to invest in for short term? help please!
Btw i’m starting with about 1k.

techic218


I’m willing to buy a program and spend the time, but there has to b someway of getting a large collection without investing hundreds-thousands of dollars. Any suggestion and tips would b helpful, I can’t find anything on the net

Deezy1984


well me an my friend are both in college. we sell candy, drinks and chips on the regular around campus. what we’ve noticed is that many college students have credit cards not cash. we were planning on investing in a verifone credit card payment terminal so we could make even more. how do i go about using it once i have it and how do i set it up? u can help by telling me the pros and cons of making this investment and any other tips you could share.

Rex Arlington


There are many get rich plans on the market or people who will offer their advice on investments. Some have written books and some have infocommercials etc. Only few have proven that their techniques work when carried over to the masses. Of course, many times, the programs that are offered to people are from people who happen to have success at it and realizing that it cant be done by everybody or forever, they package up and sell their ideas. You know the deal, its those shows you see on your TV at 3AM in the morning. Its some guy selling his real estate package because he made some good money once maybe 20-30 years ago.

Name recognition is something that wealth builders use to promote their products. Some are real and viable products such as Loral Langemeier Millionaire Maker. But many of the products you see are not that good and have questionable ability to make a profit for the majority of people who invest in such programs. Sometimes Wealth Building programs have good name recognition because they deserve it and sometimes its marketing strategies that promote these systems and packages.

You should learn new investment strategies to increase returns; get your money working for you; building wealth by building cash producing assets instead of letting your money sit in savings making less than 5% Adopt a millionaire mindset; overcome your psychological barriers to creating the wealthy lifestyle you deserve. You should learn how to structure your business entities properly and cover the costs of owning a home, sending your children to college, and securing an enjoyable retirement. You should learn how to eliminate credit card debt while you create consistent, diversified streams of cash.

If you want to make money and you want to make millions and learn from a Millionaire Maker, it’s best to learn from quality sources such as Loral Langemeier.