When you are about to purchase a home, it wouldn't be surprising to get a little puzzled at all kinds of words lenders just throw at us. Terms like balloon mortgages, adjustable rate mortgages and fixed rate have succeeded in making our lives more complicated. Actually, those are the common types of home loans so as to select the best one, w... Read more
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Various studies have shown that 95% of the population will not have enough funds in their accounts to qualify as what is considered financially independent by the time they reach age 65. A good proportion of these 95% will still be broke when they are supposed to be able to enjoy their life, and will have to find various means to sustain their daily livelihood. It is a sad situation, but it is a fact. There are good resources and tools available (and many of them are available online) that aim to help you determine your retirement needs. We and reviewed some of these resources and tools and those that we feel may be useful to our readers, we will point them out to you. A caveat on the use of these tools though. Using such tools to simply calculate how much you need for retirement will not do anything for you at all - if you do not implement your financial plan. Planning should start as young as possible. This will allow your money and funds to grow through your investments - you should have an investment portfolio that will grow large enough to fund your needs. What if you do not start young? The results can be quite damaging. Starting late will have the time factor work against you. Why do we say that? The reason is that the compounding effect of time can make a huge difference to the size of your portfolio. Warren Buffet, said to have started very young in investing, will likely be a very good testimony to this fact. In fact, the compounding effect of time has been described as the eighth wonder of the world! The results and impact on the size of your portfolio can be very dramatic! So do start planning as early as possible. Get your personal financial plan in place. If you have been procrastinating, start now - now is always better than later, and later is better than never. Seize the day! Just do it.
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