Retirement Is A Scary Proposition If You're Without A Plan, And Running Out Of Time

Written by C.C. Collins


Continued from page 1

By awareness, I mean trackingrepparttar value of your 401k holdings on a weekly basis if possible. With this level of awareness you can easily spot a portfolio decline. If it approaches a predetermined amount (5% to no more than 10% suggested) you should switch into a money market. Or if you are well informed and haverepparttar 112004 ability to do so, switch into an index fund that is designed to profit from a decline (a Bear Fund).

The biggest advantage you will gain is NOT letting your account value sink to such dismal levels where a 40%, 50% or greater gain is required just to get back to even.

This alone could significantly increaserepparttar 112005 size of your 401k over time.

Is thisrepparttar 112006 only strategy that can safely increase your return rate on your 401k?

Not at all. You just need to know what most people won’t tell you. I have written a book onrepparttar 112007 subject called “Scientific Wealth Strategies.” You can find it at http://wealthscientist.com

I also have some more retirement strategies and resources located here: http://wwww.retirementinfo4u.com

Whatever your situation is right now, how much time you have left to make a change, and how much you calculate your need to be for a comfortable retirement, you cannot benefit from leaving things as they are.

Only education and strategic investment can net yourepparttar 112008 returns needed to have a safety net in place so that when you retire, you are not stuck in a constant monthly deficit spending cycle.

That’s not what retirement was supposed to be about. And it doesn’t have to be that way for you!



C.C. Collins is a Wealth Building Advisor and Author of “Scientific Wealth Strategies” at http://wealthscientist.com Find more information at www.retirementinfo4u.com




Stated Income and No Doc loans

Written by Andre McFayden


Continued from page 1

3) No Ratio – we have heard of two types of no ratio: one with income and assets stated and verified, andrepparttar other with no income stated or verified.

4) No Income, No Assets (NINA) – no income or asset information is stated or verified. Loan approval is based on credit score and down payment. Some lenders do require proof of employment while some do not.

5) No Income, No Employment, No Assets – this is considered a “true no doc” where no income, employment or asset information is stated or verified.

To learn more about these types of loans, visit Empire Real Estate – About Stated Income and No Doc Loans .

This article may be reprinted only if credit is given and all links are kept intact.

Copyright©2005 Empire Real Estate Group, Inc.

Andre McFayden is Vice-President of Empire Real Estate Group, Inc. in Fresno, CA www.empirefresno.com


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