Tuesday, December 27, 2011

Avoid Negative Returns

For some reason the majority of Americans have been desensitized enough to accept the fact that your nest egg will have to 'ride the market roller coaster' if you want it to grow. What most people don't realize is that the downswings of the market have a much bigger affect than the upswings. Here is an example.

Lets say you invested $100,000 into a mutual fund and it had a 20% gain one year and a 20% loss the next year. Most likely you would assume that a positive 20% and a negative 20% puts you back at 0 and you broke even. But lets see what really happens:

Year 1 - $100,000 - +20% = $120,000
Year 2 - $120,000 - -20% = $96,000

Lets see what happens if we carry this same pattern out for 2 more years with the same +20% and -20%:

Year 3 - $96,000 - +20% = $115,200
Year 4 - $115,200 - -20% = $92,160

So even though it seems as though the market is staying even over those 4 years, your $100,000 investment is slowly disappearing.

It's become clear in the last few years that having your savings in a vehicle the is susceptible to the ups and downs of the market can have a catastrophic effect on your retirement income. As I said, most Americans have become accustomed to the fact that their savings are at risk and could, one day, dwindle to nothing.
That is because most people have made poor choices when it comes to the locations of their savings.

This is where systems such as You Be The Bank stem from. Systems like these offer a way to truly save your money in a safe, predictable environment where you won’t have to worry about your nest egg being cut in half if the market goes down.

Our economic times have changed the financial world we live in and if you are not willing to change with it you will never get ahead of the status quo. As illustrated above, understanding what negative returns do to your balance is a valuable tool in anyone’s quest to wealth.

Saturday, December 24, 2011

Merry Christmas & Happy new year in advance to all my friends

‎.˛.°★。˛ °.★** *★* *˛.
˛ °_██_*。*./ \ .˛* .˛.*.★*MERRY CHRISTMAS*★ 。*
˛. (´• ̮•)*˛°*/.♫.♫\*˛.* ˛_Π_____. * ˛*
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*(...'•'.. ) *˛╬╬╬╬╬˛°.|田田 |門|╬╬╬╬ .
wish you , your family and friends " MERRY CHRISTMAS." May peace, happiness , success & togetherness surround you & your loved ones the whole year long !!!

Please share your financial resolutions this upcoming 2012 !!!

Wednesday, December 14, 2011

Choose a Suitable Defaulted Student Loan Help Program

Are you facing difficulties in repaying the student loan that you have taken? The amount of education loan is so huge that everyone is at a higher risk of getting involved in the default issues related to the finance. In this situation, however, defaulted student loan help is of great importance. With the help of these programs, the students get a proper chance to fight against their defaulting status and be free from any such stains. The rush of the students to get enrolled in the academic programs that are offered by the well-known institutions makes it necessary for them to have huge finance. As a result, they have to obtain loans, which they default on. Defaulted student loan help has come up as one of the efficient programs for dealing with such issues.

If you have obtained the student loan from the sources and you think that you are facing difficulties regarding paying back the debts, you must first of all consult the lenders and tell them about your lack of fiancé during that time. They are humans and they will definitely understand your difficulty and plan everything accordingly. In this situation, however, the individuals may expect the tenure of repayment to be increased or the lenders may give them a chance to repay smaller instalment for the time being. Rehabilitation and forbearance are the effective ways of dealing with the loan default cases. You just need to consult the lenders and make them clear about your current financial status in order to avail this defaulted student loan help.

Most of the times, it has been found that the individuals are payable to several sources at a time. In that case, the consolidation is the best defaulted student loan help program. In this case, the students can take up loan from one source and pay all the debt taken from the different sources, thereby becoming liable to pay to only one source. This makes the process of repayment easy and simple for the individuals. Thus, see your situation, examine it properly and find out the best way of treating the same with the best defaulted student loan help.

Defaulted loans if you default on a student loan, the law gives you a second chance if you make regular, we do file for hardship to help get through this tough time. How to get help repaying defaulted student loans, need help & contact us, or submit a question to ask tg rehabilitation is a program to remove your student loan(s) from a default status.

Robert Lalchun, a writer by choice and profession offers a comprehensive idea on all issues of Defaulted Student Loan Help. Many students are finding themselves borrowing more money than ever to complete their degree unfortunately. For more information please visit this article.