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!

Would you like to GET PAID to write a book?

Would you like to GET PAID to write a book?

If you're thinking this is plain fantasy, think again. All professional writers get paid to write their books.

How? They sell their books via proposals before they write the books.

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