More and more people are venturing out on their own to become entrepreneurs. With global commerce available through billions of smartphones that rarely leave people’s hands, it’s easier to conduct business today than ever before. In fact, it may be the best time ever for someone to start a new business.
If you’re thinking of becoming an entrepreneur, here’s a list of 15 proven tips that every successful business owner needs to consider.
Learn how to reduce your taxes and embrace tax free income. Protect your money and your life against the unthinkable. Zero risk of your hard earned money. Lock in your interest gains. Also includes death benefits and living benefits in the event of a terminal, chronic, or critical illness.
Know your retirement savings will never stop growing, Learn how to use retirement savings to increase your income when you turn on income, never run out of money retirement planning is real and costs less than stock variable accounts, permanent life insurance myths about investment values are untrue, it’s the only investment guaranteed in event to happen that pays on average 4-5 times or more what it cost you. Many facts you should know are available with a no-obligation, free consultation right here! Take advantage of your future today contact us now, time does not stop and every day you are not using the right plan is another day you could be living happier in retirement!
Schedule your no obligation consultation today click HERE
Squirrels have a pretty good retirement plan, if you think about it. While other animals — like, for instance, the crows — are living the carefree, party-hearty lifestyle all summer and fall, the smart little squirrels are gathering acorns and storing them for the winter months.
That’s why they can curl up in their trees and play canasta all winter, while the crows have to search for odd bits of seeds in the snow all winter long, and complain about their arthritis.
A lot of people are the opposite of squirrels. They go along from day to day not thinking much about the future, because, well, there’s just too much going on in the present to keep them busy.
But that’s a mistake, and here’s why.
Retirement. Yes, there’s a time in either the near or far future when we will reach the end of our working life, and we’ll want to have enough acorns put away to weather the winter of our lives. Sorry if this is getting too poetic, but you get the point.
It’s that it’s never too early to start planning for a happy, healthy retirement, and actually sooner is much better than later. The future is not easy to predict, but one thing that’s pretty certain is that the cost of living is bound to go up, and certain other costs — like healthcare, for example — will go up faster than the average.
If you want to have enough money on hand to pay for all those increased costs, it’s essential to start saving for retirement now.
At Universal Retirement we can help you do that. Call us today at 702-400-4500 to learn the best way to save your acorns.
We’re very good with acorns.
Learn about the amazing benefits of the IUL! The next few minutes could change your life!
If you want a zero implementation cost and zero risk of loss for invested savings for your deposits as a owner or for your employees, contact us for a free no obligation consultation we just need a few questions answered so we can come to you prepared to best meet your needs and goals.
Ever asked yourself WHY the Federal and State Government does not offer a 401k or variable product to their employees thru their pension plans in most savings benefits plans?
This would mean they are paying U.S. taxpayer dollars it seems to people and those people decide to save for retirement thru a pension plan that perhaps ended up losing money. Not a good way to get re-elected maybe?
If you own a business and your retirement plan is not performing as it you thought or feel it should, we have a guaranteed performance solution. Even more importantly you may save on costs without the set up or management fees that 401k or similar plans require in order to provide your benefits savings plan to your employees.
Our plan is zero implementation cost, has no risk of loss regardless of market conditions and gives you a great upside return on great market conditions. If the market drops you level off, when the market goes back up your interest gains increase with it.
We find that most people woh have 401ks with mutual fund management required and the responsibility is on the individual who is saving money for the later years, had not allocated their savings dollars towards funds, many dont know how. Yet there are managmenet and sometimes even deposit fees for every dollar deposited. All to find when poor decisions are made with the broker or fund which they are allocated and they lose money, what many business leaders and individuals may not understand is this eventually leads to higher taxes because old people who cannot work or had no living benefits which are included with every policy we provide, will be our tax burden in the years to come.
So, its important to think about your retirement plan and if your leadership skills are paramount with your business success. It may be said your number one asset in business success is your employees and executive management. No American worker should put their faith in the company leaders to have them invest in a product that gambles with their savings not growing at positive earnings for long term savings. No one who saves and is loyal to trust their company’s managment should find their savings was wittled away with fees that are not managing the dollars they hope to have grow so they don’t have t rely on subsidies or welfare to allow them to eat, pay their medical bills or buy medicine.
Our message is in honor of your success and how to ensure you take care of the people who work hard for your success and we have a no cost, zero cost plan that far out performs company retirement benefits plans and we can prove it.
So, if you care, and if you want to see the tax advantages plus have a plan that ensures your retirement as well as your employees who participate can trust that they will have a guaranteed lifetime iucome and not run out of a income to assist them with those days that are absolute- give them an absolute guaranteed return savings that has in worst of times returned at least 6% or more.
CALL 702.400-4500 for a qualified professional business agent to assist you.
OR YOU CAN CLICK HERE AND SCHEDULE YOUR APPT. WITH OUR LIVE CHAT!
OR Email us at: email@example.com –
We will only ask a few questions about your company and your goals for the plan
Date and time scheduled will require about 1 hour for consultation to present the best solution to your goals and needs.
Universal Retirement is proud to provide free education on financial literacy to the U.S.O and Nellis A.F.B. as well as many other companies and their employees at no charge. This includes budgeting and psychology of money, advancing investment strategies and many others. These classes are as well offered to young adults thru schools, churches and other organizations free of charge. We are proud to give back and hope our endeavors will reduce poverty and help communities we server to be better places thru financial literacy.
You can also email us at firstname.lastname@example.org after hours or weekends.
Are you a Fortune Teller? If not, then stop trying to predict the stock market.
On September 10, 2011 none of us knew the next day would bring a blow to the world and send the financial markets on a downward spiral. On September 18, 2008 not many could predict the very next day would bring an announcement about the housing crisis and a multibillion dollar bailout for the nation’s banks that would send the economy into the largest plunge since the Great Depression. Today, as I read about the uncertainty taking place in Europe as the UK voted to exit the European Union, it occurred to me that just 2 days ago, before the UK’s vote, we were in a moment like September 10, 2011 and October 18, 1987. The trouble with the stock market is that no one can predict when these events that cause financial turmoil will occur until our IRA or our 401k has plummeted in value. It’s depressing. And it makes us wonder if we’ll ever be able to retire.
It’s time to stop trying to be a fortune teller. There is a better way. If you are tired of seeing red in your financial portfolio, it’s time to learn about fixed-indexing. You can put your money into an account that will not lose money, regardless of what is happening in the world economies. Call 702-580-4263 today to learn more about our fixed-index strategy. So the next time you turn on the news and the markets are dropping because of some unpredictable world event, you can rest easy knowing your money is safe.
Soooo…. You’re getting married? PHENOMENAL!! Congratulations! Marriage is one of the greatest memories most people have.
You both have probably talked about how great it will be for both of you to be together for the rest of your lives. You talked about what you will do, where you will travel, children, heck… everything under the sun. It is a great time to dream and prepare for the future for not just you, but a lifelong companion.
I thought about this topic because a good friend of mine has a daughter getting married, and hearing the stress and challenges they are going through, well, I see it first hand and made me start thinking of what I could do to help them focus on the things that forget to be talked about, or things that don’t seem that important. If we googled the top reasons marriages end, you would see that communication and finances are there in the Top 10 (if not top 5).
Look, I’m talking to you Ms. Bride & Mr. Groom – Finances need to be talked about! Here come the rebuttals:
Yadda… Yadda… Yadda… Look, even if you are both great with finances, that could be even worse if you don’t talk. Why? Well, then that means both of you have a certain way and expectation and BOTH of you are going to need to meet on common ground so that you know when expenses will be taken care of. I’m going to break this down for you! Yep… Here come my rebuttals:
Do I have your attention now? Not yet? Maybe? Let me throw this at you then:
There is a divorce every 13 seconds in the US. That means –
That’s almost 70,000 couples that divorced in your first days of marriage! They were all just like you, hoping that this will be the greatest decision of their lives and they would live happily ever after.
70,000 couples… and 31,500 of them were due to finances/money?!?!
NOW… Do you see why I’m writing this article?
If I can help prevent one of you reading this from proving this statistic correct, then the time I put into this article is well worth it.
Here are some things I recommend all newlyweds to go over to make sure you have a strong foundation for your wedding day, honeymoon, and every year after:
Pre-Season: (yes, I related my checklist to sports):
You need to have “the talk”:
Review your Credit scores – Together:
Talk about the “little things” that may not seem important: This may not seem like a “direct” finance conversation, but it takes money to do this, right?
Prepare a “Life Unscripted” Toolkit:
Game Time: It’s as real as it’s going to get:
Create a new family budget. This should be easy since you already discussed a lot of these issues.
Minimize your taxes.
Create an Estate plan.
Before you walk down that aisle –
Talk early about your finances and make sure your ducks are in a row. If you can tackle this topic early, it can be a strong prediction if your marriage will last longer than the average of 7.8 years, or if you will be one of those that divorce every 9 seconds.
Think about it… increase your chances to be together to 80%
If you confront this, the chances of staying together is over 80%!
When you visualize being married, you see yourselves happy and enjoying life. Don’t let finances get in the way of you loving each other forever. If you would like to discuss this more or have more questions, click here, and give me a call, text, email or whatever.
Until next time!
If you want more information about how to financially prepare yourself for marriage, or what options are out there for you, go to www.uniret.com or click here and we will be more than happy to get back to you.
James Bischoff offers many motivational financial literacy and wealth management seminars for all ages and businesses. Contact info:
Sometimes, talking about retirement is a subject that young people don’t feel they need to address until they are in their late 30’s, and older people wish they would have thought about it earlier.
I was flipping through a book yesterday and I came across a story…
During a Little League baseball game, a young boy was directed to steal second base. As he slid in to the bag, his knee hit it awkwardly, which caused him to be in pain. He laid there as the coach ran to him to check to see if he was alright. The boy told the coach that his knee hurt really bad and wasn’t able to get up.
The coach waved to the one of the parents in the stands to have him come assist the situation. The parent, who was a doctor, jogged onto the field. The parent examined his knee, touched a couple of tender areas, then directed the young man to bend his knee.
The boy replied, “I can’t.”
The parent responded, “Why not?”
“Because it hurts too much.”
The parent softly responded, “Well, then hurt yourself.”
The boy looked at him, confused with what he just said, and slowly bent his knee. The parent examined a little more and said that it looked like a sprain but we will get him into the office tomorrow to make sure everything is good.
I thought about this story, and it came to mind that we all have bad habits and get “caught up” in our day to day lives. Everything becomes a routine, and we live within that routine, each and every day. I cringe at the thought of how many families are caught up living paycheck to paycheck and can’t find their way out of that cycle. Even when someone gets a pay raise, that money still tends to disappear, and isn’t put away for a “rainy day”.
Hence, the dreams of retiring disappear, and society considers it okay to work for the rest of your life. It is time to break that standard of living and start putting yourself in a position to be able to retire and enjoy life. Work if you want to… not because you have to.
When we were little, we didn’t dream to go through this struggle. We think about being rich, going on trips, spending time with loved ones, heck, anything but working our backsides off! I’m telling you today that you need to stop accepting, and get back to dreaming! Break your cycle… Break your habit… It’s time to hurt yourself.
Find $140 a month –
I know, I know… You’re giving me the reasons you can’t do that right now. I barely live off of what I have now, or good idea but I will do it later. Let me break this down for you $140/month is:
Yes… You can do it! Let’s get real – That’s under $35 a week.. $5 a day?!?! You’re saying to yourself right now, “James, you’re crazy, I already told you I’m broke.” Well… I’m telling you back, it’s there, you just don’t want to see it. Each week:
The list is endless. There is opportunity… you just have to hurt yourself. You just need to create a habit and live within your means that you set. Listen – you may be closing up your laptop, shaking your head and saying, “James doesn’t know what he’s talking about, he doesn’t understand my situation.” Yes I do, and I have lived it! I’m here to tell you (if you’re still reading) that you need to do what I did and stop your selfish spending habits (for me it’s shoes – can’t stay away from them!), look yourself in the mirror and conquer “you”.
If you think you can save $70… Read on!
Wow! You’re still with me? Ok, let’s get serious… What is $70 going to get you? Is it even worth it? YES!!!!
If you have a tax-deferred plan you can contribute to at your job… That’s actually $91 pre-tax! Yep… $91 gross is $70 from your actual take home check! See, you’re already making money!
Now, let’s say your 35 years old and you work until you’re 65. There are some retirement options out there that could get you $559/month for the rest of your life! Sound good now? If you’re younger than 35… even better!
If your company doesn’t have a retirement plan? Contribute the money to a Roth IRA. Yes, the number would be smaller, but it’s Tax free, so it equals out to the same. Awesome or what? See… retirement isn’t as bad as you thought, is it?
So to wrap this up, I want you to analyze where you are really at in your life, and let’s find some money to put away so that you can get back to achieving your dreams. It’s time to hurt yourself, and take care of your future. If you want to know more, click here, and give me a call, text, email or whatever.
Until next time!
James Bischoff offers many motivational financial literacy and retirement management seminars for all ages and businesses. Contact info: