Best bussiness financial advice on the net


che-llp.com keyword stats



Most current MSN search phrases:

private crisp hughes evans
endless llp.com financial

Thinking About Early Retirement? 10-Minute Quiz Determines Your Readiness

(ARA) - If you've delayed planning for3. Guffaw loudly because only rich people can
retirement because it makes you feel a) oldafford  to  do  that
or b) financially inept, think again. With a
little foresight, you could be out thereI  can  phase  into  retirement  if  I
enjoying life like other people -- maybe even
before you reach the so-called "retirement1. Plan ahead for big ticket items that might
age."tempt  me  to  draw  on  investments too soon
Like many people in the prime of life, it's2. Take a one month leave from my current job
not unusual to think of retirement as such ato  test  the  waters
distant idea that you avoid saving for it
until next week, next year, next job. After3.  Just  up  and  quit
all, who's got time to think about the "R"
word? In reality, it's never too late, or tooThe  cost  of  inflation
early,  to  start  planning  for  retirement.
1. Is expected to rise from 2 to 4 percent
Retirement used to be defined as what aper  year
person was no longer doing. More and more,
however, retirement has come to mean what a2.  Is  always  changing
person is can do. Choosing a second career.
Traveling to see the world. Volunteering in3.  Will  have  no effect on retirement plans
the community. Taking on a new hobby. Taking
care  of  grandchildren.The  nation's  Social  Security  program
If Mondays find you heading for the highway1.  Will  eventually  run  out  of  money
to work, but you'd rather be heading for the
golf course to play, it might be time to2. Will cover only some of my retirement
consider your financial future -- even ifcosts
you're among the three out of four Americans
who  hate  financial  planning.3. Will always be there for me, just like it
was  for  my  parents
"You don't need to be a financial wizard to
start thinking about early retirement," saysDisability  income  insurance  is
Randy Schuldt, vice president with
IHateFinancialPlanning.com, a Web site1. A good idea, since there's a 42 percent
devoted to the 75 percent of Americans whochance I'll become disabled between the ages
hate financial planning. "With some simpleof  30  and  50
steps, you can take control of your financial
future before it starts controlling your2. Something you should buy if you have a
dreams."disability
To help better understand what's involved in3.  Only  for  old  people
retirement planning, has developed a
10-minute quiz -- an early retirementA  fixed-rate  annuity  is
calculator of sorts -- that will help
determine your state of readiness. If your1. A contract with a life insurance company
score points to a lifetime of enduring thedesigned to provide for a regular stream of
daily grind, a visit to or a meeting with apayments  at  a  later  date
financial planner might help perk up your
financial  future.2.  Too  complicated  for  me  to worry about
Early  Retirement  Readiness  Calculator3.  Considered  to  be  a  risky  investment
1.  I  dream  about  my  retirementThe  key  to  early  retirement  is
2.  All  of  the  time1.  Having  a  retirement  goal
3.  Only  when  work  drives  me  nuts2.  Having  a job with a good retirement plan
4.  None  of  the  time3.  Winning  the  lottery
I know exactly what I want to do when ISCORING:
retire
Give yourself 3 points for every "A" answer;
1.  Yes  --  in fact I've identified the date2 points for every "B" answer; 1 point for
every  "C"  answer.
2.  Too  many  choices  to  decide
36 points: Kiss work goodbye? You may be
3.  No  --  I'll  be  too  old  anywayheaded straight for the beach. We'd tell you
to pack suntan lotion for when you leave, but
IRA  stands  forthen, you've probably already planned that,
too.
1.  Individual  Retirement  Account
25 to 35 or more points: So near, yet so far.
2.  Irish  Republican  ArmyWhile you may have a good understanding of
what a retirement plan needs to include, it's
3.  IRA  --  you  mean  my  cousin  Ira?time to put your ideas into action. Check out
for some easy to understand, non-intimidating
I  regularly  contribute to my 401(k) at workways  to  fill  the  gaps  of  your  plan.
1.  At  the  maximum  amount of money allowed16 to 24 points: Minimum effort may not get
you where you want to go. Your plans could
2.  As  much  as  I  can  affordstill use some fleshing out. You may want to
consider talking with a professional to help
3.  Neversolidify your dreams. Keep your retirement
goals in mind and get a financial plan that
I expect my health insurance costs towill  keep you headed in the right direction.
decrease  as  I  get  older
12 to 15 points: Early retirement, or any
1.  Falsekind of retirement, might not be in your
future. Get thee to a financial professional!
2.  I'm  not  planning  on  getting  olderIf the mere thought of it makes you queasy,
at least do this: mark your calendar for Feb.
3.  True3-10. That's the official celebration of I
Hate Financial Planning Awareness Week, a
If I pay off my mortgage before I retire Iweek dedicated to helping people who hate
will  be  able  tofinancial planning learn how to deal with
money matters and how to manage and invest
1. Pocket up to $250,000 in tax-free profitmoney. You'll find more information and ways
on  the  sale  of  my  hometo cope at It even has an on-line panic
button that you can push to get out your
2.  Barely  scrape  by  on  my  other  billsfinancial frustrations.



1 A B C D 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 94 95 96 97 98 99 100 101 102 103 104 105 106 107 108 109 110 111