How to keep Christmas well in your heart throughout the year

by Dr. Jeffrey Lant

"and it was always said of Ebenezer Scrooge, that he knew how to keep Christmas well, if any man alive possessed the knowledge. May that be truly said of us, and all of us! And so, as Tiny Tim observed, God bless Us, Every One!"

Pension Tips For The Self-Employed

"Hello, I'm from the government. I'm here to help you." Ordinarily, these words
have a chilling effect on the self-employed, knowing as we do just how ironic
they can be. However, every once in a while they are true and advantageous.
This is the case with the tax-deferred pension options the U.S. government
makes available to the self-employed, people like you and me.

Thinking about raiding your 401(k)? In a word, DON'T!

by Dr. Jeffrey Lant

Need money for college tuition? To stave off eviction or foreclosure? To buy a home? If so, you may look longingly at the funds currently residing in your 401(k) program. These funds are needed, you reckon, and are near, so temptingly near. Should you use them now... or hold off?

Stock market jitters making you miserable?

by Dr. Jeffrey Lant

The Greek chorus of financial doom and gloom is out in force these days. Major stock market indexes are in the red for the year and prominent investors warnings make headlines worldwide.

Why Invest In A Home Business Now?

December is the very best time of year to invest in a business as you get to write off your inventory purchase against your taxes.

You can also write off the products as samples throughout the year so imagine you can write off your weight loss!

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Would you like to GET PAID to write a book?

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Do you REALLY want to be rich?

by Dr. Jeffrey Lant

One day years ago when I was having dinner with her in New York City, the celebrated entertainer Pearl Bailey told me in her inimitable way: "I've been rich. And I've been poor. Rich is better!" We laughed... and the conversation went on, but the comment reverberated: "Rich IS better!"

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How to get your business profitably through the economic uncertainty and confusion around us

by Dr. Jeffrey Lant

It doesn't take a Wall Street prognosticator to tell us things are difficult on Main Street. Small businesses nation- and worldwide are experiencing tough times that just won't quit. Pessimists run rampant... and business people ponder their (often painful) options.

Pension Tips For The Self-Employed

"Hello, I'm from the government. I'm here to help you." Ordinarily, these words
have a chilling effect on the self-employed, knowing as we do just how ironic
they can be. However, every once in a while they are true and advantageous.
This is the case with the tax-deferred pension options the U.S. government
makes available to the self-employed, people like you and me.

1) Do YOU have a pension plan? It's crazy not to!

The sad fact is, a MAJORITY of the self- employed don't have a pension plan.
Survey after survey documents the fact that millions of people -- each of whom
wants to get old (it beats the alternative) -- are NOT using their business and
the pension guidelines to arrange for a comfortable retirement. This is madness.

Don't wait another minute to do the necessary. Call your accountant today and
listen carefully as he presents your pension options. Make sure you take notes
and question him liberally until you really understand what you can do.

2) Be clear on how much you can invest in your tax-deferred pension account.

Your accountant should give you a precise figure to invest. Keep it close at
hand. Knowing this figure, and doing what's necessary to achieve it are both
crucial to your long-term comfort and security.

3) Know the next pension deposit deadline.

Ideally, you should deposit the full pension amount at the time you file your
federal taxes. If not, your accountant should give you the date (generally six
months after you've paid your taxes) that you can still pay into your pension
plan. This date is VERY important

4) Once you know the figure you can deposit into your pension plan, make
achieving it your #1 goal.

Say you are authorized to deposit $5,000 into your tax-deferred plan. Say you
have until September 1 to do so.

First, you want to deposit this amount in your pension plan just as early as
possible. Today if possible. Why? Because you want to put time to work for you.
All things being equal, it's better to make your pension payment on April 15
rather than September 15. It gives the funds just that much longer to grow.
This makes a great difference over time.

5) Treat your pension payments like a bill, your #1 bill.

Most people pay into their pension accounts after they've paid all their other
bills, when there may or may not be anything left. This is a mistake.

If you are unable to pay-off your pension balance at tax filing time and must
make (say) monthly payments, then ensure you make these payments the very first
thing each month, before you've depleted your available cash.

6) Cash windfall? Think pension!

Made a big sale? Had a bit of luck? Got some extra cash? Think PENSION!

Remember, deposit into your tax-deferred pension account as SOON as you can,
and if a bit of extra cash comes your way pay off what you "owe" your pension
account.

7) Pay your pension fund in advance whenever possible.

Had a good year? Made some extra money? Already paid the maximum into your
pension account? Then deposit some more! The future is, by definition, murky
and uncertain. That's why if you can deposit more, you should. Take any extra
funds you can spare and make an early deposit into your pension fund. When a
rainy day comes, you'll be glad you did!

8) Look but don't touch!

When that rainy day comes and you need extra cash, you may think longingly
about the funds in your tax-deferred pension account. DON'T!

You must regard your pension funds as sacrosanct, not to be touched until
commanded to do so by the federal regulations governing access and withdrawal.
If you withdraw them now, you will ordinarily pay a hefty penalty. What's more
you lose the benefits of time... and jeopardize the comfort and security of
your golden years. Find another way to get the funds you need. Don't dip into
this till.

Conclusion

We all hope to get old, but to get old without security and comfort is to be in
a most unenviable situation. Use your business -- and the tax-deferred pension
options provided by government --, to ensure your old age is as ample as you
deserve and desire.



Harvard-educated Dr. Jeffrey Lant is CEO of Worldprofit, Inc.,
www.worldprofit.com where small and home-based businesses learn how to profit
online. Attend Dr. Lant's live webcast TODAY and receive 50,000 free guaranteed
visitors to the website of your choice! Republished with author's permission http://EarnAtHomeBootcamp.com. Check out Passive Paydays

10 GOOD REASONS WHY WE SHOULD HAVE WILLS

If you've been putting off making a will, because the thought of your own demise is too much to bear—stop, and think of your family first.

Here are the ten most compelling reasons why it's important to your family that you take action and make a will, and remember to keep it current.

If you die without a will...

1. The court will appoint an administrator, for a fee.
The administrator will distribute your money and your belongings according to state law. You don't want this to happen because a court-appointed administrator won't know your personal interests and keep your needs in mind. With a will, you choose the person, called an executor, who sees to it that your property is distributed according to your specific wishes.

If you die without a will...

2. Your spouse may end up with less than s/he needs.
Your surviving spouse may not have enough funds to make ends meet because, for example, more money may go to your children than you wanted. In your will, you can make sure that your spouse gets enough money to live comfortably.

If you die without a will...

3. Your assets may be divided equally among your heirs.
If there is no surviving spouse, your assets will be parceled out equally among your heirs. You may not want this to happen. For example, you won't be able to protect your assets from an adult child's creditors or the financial ravages of a divorce decree. Or, one adult child may be well off and not need the money while another child really could use some financial assistance. Also, you may have another family member or friend you want to help and, without a will, it won't be possible.

If you die without a will...

4. Your grandchildren may not get a cent.
When no beneficiaries have been specified, most state courts will grant an estate's assets first to a surviving spouse, then children, often leaving out the generation after. With a will you can allocate assets to go to grandchildren and, through a trust, you can name a guardian to manage their financial affairs until they're ready to do so on their own.

If you die without a will...

5. Your stepchildren may get nothing.
Because most states define heirs as "blood" relatives, stepchildren may not be recognized as heirs. An exception may be made when a stepchild has been legally adopted. A will, however, can insure stepchildren are not left out.

If you die without a will...

6. You can't name a guardian for minor children.
Without a will, you may not get the guardian you want for minor children. With neither parent alive, the grandparents are the natural guardians of minor children, but it may be up to a court to decide which set of grandparents.

If you die without a will...

7. You won't be able to minimize estate taxes your children or other heirs might have to pay.
You and a spouse can shelter as much as $1.3 million of assets from federal estate taxes by setting up trusts within your wills. You'll need the help of an experienced professional to draft the wills for you.

If you die without a will...

8. You can't leave your favorite things to your favorite people.
With a will, and an adjoining letter of intent, you can specify who gets what. It's a good way to avoid family fights. A letter of intent is like a laundry list of items with the corresponding beneficiary. (Note: In some states, letters of intent can be changed from time to time without having to re-do the will).

If you die without a will...

9. You can't leave contributions to a church or charity.
State laws do not consider religious and charitable institutions as heirs. Only a will can spell out how your money can be passed to non-heirs and insure your favorite charity gets a donation.

If you die without a will...

10. Your loved one could lose his/her benefits.
You may cause a problem if money ends up going to a parent or other family member who's being cared for by Medicaid in a nursing facility. Medicaid has strict income qualifications. The added income may disqualify your loved one for continuing to receive benefits.

Do you need an attorney? Probably not. Click HERE to find out.

Do You Need A Will?

In today’s society and with today’s government, which has the general mindset, that it knows better than you, what is best for you.

It has never been more important than now, to be certain that you are the person making the decisions that will affect your family, friends and loved ones for years after you are gone.

Do you need an attorney? Probably not.

The will has been around in substantially the same form for about 500 years. For the first 450 years, self-help was the rule and lawyer assistance the exception. They were prepared by laypersons and were perfectly effective.

What has changed? Virtually nothing-- other than good campaigning by attorneys.

Over the past 50 years they have done a great job of convincing the public that it is dangerous to draft a will without their "expertise" like performing your own brain surgery (they charge about the same).

The reality is that the basic laws (statute of wills) that govern wills has undergone little changes. And lawyers simply are not necessary-- unless....

Do you have a relatively large estate? Do you want to engage in some sophisticated tax planning? If this is the case, it may be wise to consult with someone who has knowledge and experience in wills and estate planning. Otherwise, save your money!

Remember, the hardest part is figuring out what you own and who you want it to go to.

Provide us with that information and we do the rest and insure that your will conforms to the minor variations from state to state to insure that you not the state determines who gets your property.

Find out more to make the right decision by clicking HERE.

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