Smart Financial Planning For Retirement ~ Ask Your Self One Question.. Are You Prepared?

No matter what stage you are in your life, planning your retirement is never an easy task.
Money is a necessary commodity that enables you to achieve your life goals, whatever they may be. Whether you want to buy a new car or save up for retirement, planning beforehand is the key. You have many dreams and wishes, but have to have a solid action plan behind them to convert it into something special.
So, next time you’re thinking of treating yourself to a $1000 watch, you need to think about how it may potentially affect your retirement plan and budget. Remember, good saving habits can help keep you out of financial troubles after you retire.
If you’ve never thought about setting some plan once retirement is near, this is the right time to do so! Here are a few key tips that you should be really looking at.
1 – Have A Written Retirement Plan In Place

You can’t achieve the formula to a successful retirement without having a solid plan in place, and the plan cannot be just in your head, or in bits and pieces here and there, it needs to be written down. A written retirement plan with goals provides the road map for every step you need to take.
Remember, financial success is a choice. It is an outcome of many small decisions you make every day. With no frame of action or a long-term plan in place, your life would like a boat without a rudder: just twirling in circles with no sense of direction whatsoever!
2 – Never Be Intimidated By Financial Jargon

It’s hard to avoid. There is jargon everywhere in the money world. When you are reading about or discussing your finances with a consultant, you will come across complicated financial terms and phrases. If a concept is not clear to you, you should just go ahead and ask the consultant to explain it to you. If they tell you to avoid debt and save 15% of your salary every month, you need to ask them how it might work with your current expenses. You can even go over your monthly expenses with them and see where you are losing money.
3 – Live Within Your Means
Try not to max out your credit card. Before you buy something, ask yourself if you really need it and if you can live without it. Rewarding yourself with something you like every once in a while is not a bad idea, but you need to keep your expenses in control if you want to save money every month.
4 – Have A Budget
Budgeting helps cut down on extravagant spending. Allocate reasonable amounts to spending on each item and limit extra expenditure. Keep a target amount you want to save monthly and distribute expenses accordingly. Maintaining efficient tracking of all outflows and inflow is essential in this regard.
5 – Keep A Record For Every Transaction
Maintain an expenses diary or an excel sheet to tabulate what you’ve spent so far. It helps you discover amazing things you’ve never noticed in your spending style.
6 – Set Realistic Goals
Keeping realistic targets help ensure that they are attainable. No one can possibly save up to $8,000 monthly out of an annual income of $40,000.
7 – Repay Debt
Being debt free in today’s leveraged economy is the ultimate gateway to financial freedom. Prioritize your repayments accordingly to estimate the required amount of time to repay all that you owe.
8 – Invest
Maintaining a healthy lifestyle while saving can be a gruesome task. Find out investment opportunities by staying in tune with the happenings of the financial world. Get to know when an existing company is going public; empirically IPO shares quadruple in value in a week’s time.
9 – Seek Financial Advice
Pay attention to the financial advice you are getting, no matter how insignificant it may be. A little help goes a long way. Make sure to carry out a credential check of your financial advisor. Check for his disciplinary record by some financial regulatory body. Always, ask to talk to other clients. If your advisor doesn’t approve of this, probably its best to walk away.
Bonus Tip

Don’t fall in the trap of fake performance promises. Numerous financial advisors boast about their previous returns. Past performance, as they say, is no guarantee for future gains just like the economic random walk theory when it comes to stock trading.

Read more to gain an insight into making the most of the pensions revolution!

Sources:

http://www.telegraph.co.uk/finance/personalfinance/pensions/5296073/10-tips-for-a-happy-retirement.html

http://financialmentor.com/popular/12tips-early-retirement-planning/13048

http://www.marketwatch.com/story/8-ways-women-can-improve-their-retirement-security-2016-06-30

http://money.howstuffworks.com/personal-finance/retirement-planning/10-tips-for-retirement-savings.htm

http://www.hensoncrisp.com/news-retirement-planning-advice.php

https://www.theguardian.com/money/2015/apr/04/pensions-revolution-avoid-tax-bombshell

by – yayimages.com

Why I Almost Walked Out of American Sniper

I myself.. Had to walk out.. I told my husband I was going to use the lady’s room.. I had to step out to catch my breath.. We are all, or at least most are guilty of putting the realty of what our soldiers are going through.. Their families are going through.. The sacrifices they are making.. we are tucking all of those realities into the back of our minds.. Out of site.. I guess out of mind.. American Soldier for me at least was a huge “Realization” of how great we have it.. and as a Mom, A Wife, I can’t imagine the pain of wanting my husband.. my soul mate home.. and knowing how he is in harm’s way every minute he is gone.. I will never be the same.. Not after watching this movie.. I will be Better..

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American Sniper

You might have clicked on this post expecting to find some anti-American, leftist liberal rant on the military and how America is a bully, based on the title I posted. But you’re not going to find that here. Ever.

And it’s pretty rare for me to post a movie review, and this isn’t really that, either.

But I did almost walk out of this movie. Twice, actually.

But before we get to that, let me tell you the reasons why I think you (and everyone else) should see this movie. In the process of doing that, I think I can better explain why I almost walked out.

You need to see this movie because, as everyone who sees it will agree, Chris Kyle (the American Navy SEAL & sniper whom the movie depicts) did some amazing stuff for America.

Hero? Yes. Expert skills? Definitely. And the fact that he survived…

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I Have A Dream.. I have a Goal.. This is My Vow..

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My Dream .. About Network Marketing.. My Goal in an Industry I love..

That dream is to instill into an industry that so many distrust.. a level of truth, honesty and respect. One that is free of the Hype and over exaggeration.. One that encompass’s the best of the best.. of people who work from their Heart. People full of passion and grace.. People that only want what is best for others.. by putting those first before themselves.. Now I always want people to understand that there is no free ride.. Success comes from work.. Nothing is Free.. As with any other path to the “End” Keeping the end in Mind.. Working to get to where you want to be..

That is my Dream, Because this industry has given me relationships that have changed me.. Some that have warmed my heart and made me feel full of blessings, and a few that have made me learn more about the person I never want to be. Even One that in so many ways, Saved me..

So those blessings and the financial reward because if you work.. you get paid and no I haven’t made millions.. But I have Definately Made more then most in their first few yearts.. but what I have received in relationships is more than money can buy.. With that said, I will continue the Quest to achieve my dream.. I know there is a better awakening for what a Networker can do to change an industry so many distrust.. Together we can make it a phenomenal place, to change lives and live for the better..

 

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Only 6 % of the world’s population will work in network marketing. It’s the same 6 % that take companies up to the top, move causing their former company to fall some..yet that same move then allows another company to move towards the top. It’s a precarious cycle..

Let’s just say my method of building a phenomenal organization is finding the gems that are in the 94 %

 

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Has Facebook replaced real True Showing of Emotional Gratitude, Love and Celebration..

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As I sit here and see all my wall flooded with the I love you’s and Be My Valentine, I have to wonder.. Are all those people actually expressing their love for their significant other.. or is it just a post.. and nothing else.. And I think this during all the Gushy posts.. Are people still going the extra mile for Birthdays and Anniversaries that they used to.. How many actually think a Facebook post actually cancels everything else out..  Or is it really just a attempt to make them feel like they did something special or to make them look amazing to their facebook friends whom they seem to clinch to for the appreciation that they might be missing at home, probably because they stopped showing the people they love, that they really love them in person rather than on facebook.. Think about it for a while..

Now to me Valentines Day has never been that important because I believe to have a strong relationship that your significant other needs to feel special everyday.. Not just one day a year.. That just for no reason the I love you’s should be shown and the little displays of gratitude and affection need to happen all the time.. Not just on a Day in February..

But for all those people out there that are Taking the Time to Rally your love for that special person.. I challenge you to do something amazing for them.. Something that makes them feel special.. Something that makes them smile.. Doing something like this doesn’t mean you have to spend a lot of money.. Just do it in person.. not just on Facebook…

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Enrich your life in many ways.. Find a Church home.. The Message you hear might just be for you <3

This was the Worship Service at my Church a few Sundays ago.. As I sat there and listened to Pastor Randy, I heard his message loud and clear and it also hit home that these 4 principles are key to our success in so many areas of our lives.. If you are in Modesto I challenge you to come to “The Well” Church.. The teachings there will most importantly strengthen your spiritual life.. Give you a strong relationship with God, and quite possibly Change your life.. if you are not in Modesto you can watch the Worship Service from “The Well” at https://vimeo.com/78270523 God Bless and I hope to see you at The Well ♥

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Sermon-102713 from The Well on Vimeo.

Sermon-102713 from The Well on Vimeo.

You know when you get that feeling.. Something bad is going to happen..

11 months ago when I had to make a tough decision and walk away from a company that I really did truly love when I started.. It was because of what was happening around me, and because my inner voice was telling me this is going to blow up and blow up big and I want no part of it.. I love the Industry of Direct Sales.. Just as I Love Real Estate,  you find another home you just don’t quit when a company doesn’t fit you…. Those that know me in Real Estate know that change doesn’t scare me.. What was scary in Direct Sales and leaving Visalus was I had to walk away from a team I loved .. I was making good money.. Most of my working team members were making money.. Money each and every one of us needed for our families..  but for me it wasn’t worth my sleep, conscience and integrity.. now I am not saying that those that stayed even though they saw the dogs being enrolled, the fake orders and all the hype.. They truly just don’t see it being a wrong thing to do.. To me it was so wrong and just as I would have walked away from that “Wrong” deal in Real Estate.. I walked away from Visalus.. Now, Financially it hurt.. We had to sell our TOYS.. (RV, MotorCycles) we had for years, to put money back in our household to keep a roof over our head.. I had days when I was like.. I should have just stayed.. maybe my little voice was over reacting.. But todays video shows that is not the case..

The Article from MLM helpdesk Website can be found at http://mlmhelpdesk.com/breaking-mlm-news-visalus-hit-with-rico-alligations-how-will-this-affect-byth-stock-or-cvsl-bid-to-buy-blyth/#

And yes I read all 60 pages.. I sat here and read the same stories that were happening to me and I have never talked to these people.. it makes me think.. How many others are out there…I don’t know.. It does sadden me.. but then as the Pastor at my Church said this weekend.. What doesn’t break you.. Strengthens you.. That your setback was to position you for your comeback.. You learn along the way.. I know that I have a lot to offer this industry.. The Truthful side..  If you are thinking about the industry of direct sales.. don’t let this scare you away from it.. do your research and pick the company based on the people you can trust.. get to know them.. ask questions and chose the Who.. not the what.. Put your Heart and Soul into it.. Stay True and lead with Integrity.. and just don’t quit.. You will find success..

I am glad I listened to my inner voice.. but at the same time I am sad for all the people I love,who are still at Visalus.. Keeping everyone in my prayers.. Be Blessed ❤

What a week it has been.. The Roller coaster you end up on when you realize your health is at Risk..

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It was April 20th 2010 when I got the scare of my life.. I go that call that stated my biopsy showed Uterine Cancer.. I had went in because I just wasn’t feeling right.. Started with the female stuff and that was the result.. Or so we thought.. A few days into the testing I got another call and was told that the lab at Kaiser had possibly mixed my results with someone else’s … Back in I went and I am to assume the other person as well.. I prayed my result was clear but at the same time was sad that one of us was sure to have that biopsy that said Cancer.. A few more days passed and I got that call that said I was in the clear.. She did tell me that the protein in my Urinalysis was high and that there was signs of blood but that could just be because of the two biopsy’s that we would recheck later.. Well unfortunately insurance for us was very high as we paid it ourselves and the industry changing on us we had to let the coverage go just 9 days after all of that took place.. I have experienced back pain and fatigue for 2 and 1/2 years. I have done what I can to manage it on my own but was so glad when Insurance became an option through my husband returning to a union job..  So once again on Oct. 1st we were legit I guess you could say.. I made the appointment and off I went.. What I wasn’t expecting was a blood pressure of 172 over 104.. and yes they took it three times throughout the appointment .. always the same.. They immediately sent me upstairs and I proceeded to add to my stress as the staff seemed perplexed over my situation and I stubbornly told them “Your making my blood pressure higher, and I left..”

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I came home and sat at the computer.. Picked out a primary care physician and made an appointment.. Now, those of you that know me know I also took to the internet and found that a diuretic is a medicinal way to treat high blood pressure so I immediately got one and took one.. Monday and Tuesday.. Went to see the primary care physician on Wednesday and my BP was down to 156 over 94 and at the end of the appointment 149 over 90.. so already a huge improvement over the previous 2 days.. Then Thursday it was back to Kaiser for more tests..  this time protein is 20 and the other one which should be 0 is 2.0 so and actual improvement over 2 1/2 years ago there.. but only because I have been so aware of how my body feels.. I cut out drinking for the most part,.. I am down 40 lbs More at one point.. but solidly down the 40 lbs..  I know I still have a way to go to get these things under control but I will through better eating… My doctor actually said eat more greens and that is what I will do.. lol  thank god I can buy them in a powder form.. because me and Rabbit food are not friends..

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I sit here and I think of all this and the timing of Obama Care and all that is happening in DC.. People need health insurance.. I am living proof of that.. My life could have very well been lost because I was a Walking Time Bomb that was waiting to explode in my chest.. Sounds graphic but all so true.. and believe it or not I am not a fan of Obama Care.. There is too many holes in it and too much too fast as far as the penalties for not getting it..  It is not affordable for those that need it most.. or even available.. It is making the costs of shared employee expense insurance go up.. Don’t understand why.. I don’t believe it is bad.. just don’t believe it is ready…

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I am very thankful that I have the ability to get treatment.. I am thankful for my husband’s job.. I know so many don’t have that.. My industry if very stressful.. Being a Real Estate Broker in this economy, it’s not a shocker I have Stage ii Hypertension.. I do not want it any more.. I will be making changes.. SO long Stress.. or at least that is my Goal..

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Jack of All Trades, Master of None..

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We have all heard this “Jack of All Trades, Master of None”  but what does that really mean in your life.. I sit here shaking my head as I have seen so many people jump from one trade in the same field to another.. and the only reason is the last trade wasn’t easy enough.. Or they were not finding the success or income if you may at the previous field.. I am going to use a harsh but true example.. In the real estate industry I am a Broker that does sales.. buyers and sellers and it is what I always did.. Did the rug get pulled out from under me.. Yes it did as it did with so many others.. Did I add another stream of income.. Absolutely.. something I could do while I was pushing through the economic downturn in the housing market.. What I didn’t do is switch it up in the Real Estate Industry.. I know what I do, and I do it well.. I pushed through.. I didn’t switch to lending, appraising, underwriting.. it’s not what I do.. I did get into networking.. Which in turn brought me clients on the real estate side.. In the bigger picture.. it really is the same skill.. Meet potential clients, put them in “Funnel”  Add heartfelt value to them as you can, and one day they will refer you, hire you or join you ❤

I sit here and see people that post all over social media about how their lives suck, yet one day they are going one direction and the next they are the exact opposite direction.. It’s like a carnival ride.. Find a Path and stay the course.. Tyler Perry did a Video last year that really stuck with me..

Now that being said.. I did make some changes on my path 7 months ago.. Although I didn’t change my beliefs, or my industries.. I partnered with different people.. doing the same thing I am good at..  People make a huge difference in your success as far as keeping you motivated to do what you do every day.. You have to love where you are to do what you do successfully.. you also have to be committed to the work that is involved..

Decide what you truly want.. Be a scholar of that industry.. there is more to a TITLE then a name tag.. get the knowledge that you need to be credible at what it is you want to become and stay with that course..  Lead by example.. Treat others how you would want to be treated and Love and Trust in GOD.. That is my secret to SUCCESS.

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If you would like more information on Networking or Real Estate.. Fill out the form below.. I would love to talk with you..

Busy and Blessed

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There are many companies you can align yourself with, they all have a product, the biggest difference is who you chose to partner with and what you put into your business as far as effort and time. I chose to go to Nutrie because I knew I was partnering with a great group of leaders in a company built without hype. Has being in a start up company been tough? Yep it has, but that doesn’t scare me. The reasons I came to Nutrie are still the reasons I am with Nutrie. Many have jumped to other companies already but I am here for the long haul and I am blessed by those that have chose to Run with me.

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I had a pastor tonight make a reference of Divine meetings coming into his life and he felt him meeting with My business partner and myself was a divine meeting, put in his path by God and I could so relate because I felt the same way when I saw someone I respected make the choice to go to Nutrie, I knew I had to go. I felt it was an answer to my prayers. I have no regrets. I love this company and the people involved. It just feels right. So one meeting at a time, whether it is face to face, in a group or over the phone, in between showing homes, taking listings and negotiating deals, being a mom, a taxi driver (for my kids) and a wife, I will make the time and I will build this team. Who is ready to build with me ❤ I am not “busy and stressed.” I am busy and BLESSED”

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