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Denise Michaels
Author, "Testosterone-Free Marketing"
MarketingForHer.com
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At age 47, Denise
Michaels says with a smile, âMaybe Iâm a late bloomer, Iâm finally
coming into my own.â
In 2005 Denise became a
published author with her myth-shattering book, âTestosterone-Free
Marketing.â Since 2003 sheâs lost 120 pounds and is keeping it off.
Sheâs been in a loving relationship with her soulmate Ernie since 1997.
âIâve learned a thing or two about overcoming obstacles and achieving
big goals,â she adds.
If you
own a business, check out her book, âTestosterone-Free Marketing." It
will help you be a confident, woman business owner and put more profits
in your purse without clobbering the competition or being a pushy
salesperson. Go to
DeniseMichaels.com
for more information. Also, get more exciting information about
marketing for you at
MarketingforHer.com
Denise is passionate about supporting others to go for their dream.
That's why she created this resource site - to help you - the 40+ woman.
Itâs about providing useful information to help you get more of what you
want â more love, more money, less stress, better health. Itâs all
important.
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Five Steps To A Comfy Retirement
By Kristine A McKinley
You’ve probably heard about the Nebraska meatpackers who won the largest lottery jackpot in the United States last week. One winner replied “I’ve been retired for about four days now” when asked what he would do with his winnings. His response did not surprise me; I’m sure my reaction would be similar!
What does surprise me is that many Americans believe that they cannot retire comfortably unless they win the lottery. A survey by the Consumer Federation of America shows that 27% of Americans believe that their best chance to gain $500,000 in their lifetime is to win a sweepstakes or lottery.
Fortunately, building a comfortable retirement nest egg is easier than you think. Here are five steps to help you build a comfortable retirement:
1. Start early! If you started saving $100 a month beginning at age 18, you would have over $500,000 by age 65. The power of compounding is great, and the earlier you start saving, the greater the benefit.
2. Have a plan. The best way to ensure that you will have a comfortable retirement is to plan how much you will need to retire. You can’t reach your destination if you don’t know where you’re going.
3. Participate in company sponsored retirement plans. Many companies offer matching contributions to your 401K or other retirement plan contributions. This is free money – take it!
4. Invest in a diversified portfolio of stocks and bonds, that fits your goals and risk tolerance. Studies show that your investment return is determined primarily by the allocation of your assets, not the individual investment selections you make.
5. Keep your costs down. Invest in no-load, low cost mutual funds (or other investments). Lowering the expenses in your portfolio by just 1% can equate to 20% more money in your portfolio after 20 years.
Although winning a large lottery certainly can’t hurt, following the steps above should send you well on your way to a comfortable retirement.
Kristine A. McKinley, CFP, CPA, and founder of Beacon Financial Advisors, teaches individuals and families how to invest and plan for retirement, college, and other financial goals. Kristine offers financial and tax planning on an hourly, fee-only basis. To receive free financial planning tips, worksheets, checklists and more, visit www.beacon-advisor.com
Tell your friends about this site! This blog is provided by Denise Michaels. To see more blogs by Denise to go http://GreatIdeasForWomenOver40.com.
Denise Michaels is author of the myth-shattering book, “Testosterone-Free Marketing” for women business owners. Go to http://MarketingForHer.com and click on “Get the Book!”
posted by Denise Michaels @ 9:29 AM
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