ISMAmerica Review of the Accumulation Versus the Preservation of Retirement Money

ISMAmerica is an independent organization focused on restoring hope. We demonstrate and educate that the average individual, not just the elite or gifted or fortunate, has every right to expect that even today, with work and determination, they can still achieve the American Dream.

ISMAmerica Review of the Accumulation Versus the Preservation of Retirement Money

When the American economy was red hot, which was not all that long ago, Americans in general were much more focused on accumulating the wealth they needed and wanted for retirement. Now that America finds itself in a New Economy the emphasis seems to be placed more on the preservation of money they have.

ISMAmerica - Accumulation Versus Preservation - Accumulate

It’s almost strange to think that not even a decade ago most people were thinking about living the good life once they retired. Even though the stock market had come way down from its huge dot com run-up, the housing market was there to take its place. Eventfully the financial markets responded in kind and the path to a ritzy retirement seemed to be paved with gold.

ISMAmerica - Change Comes

In what seemed like the blink of an eye everything came back down to earth even faster that it had left. A change had come and this change brought a New Economy that meant money no longer free-flowed in whatever investment vehicle someone chose.

ISMAmerica - Accumulation Versus Preservation – Preservation of What is There

These days, people think about preserving what they already have. It’s not that they don’t want to make money by investing what they have, but they have a great fear of losing what they do invest. However, these snake-bitten individuals are likely not saving at a pace that will keep up with inflation and without a consistent return on their savings they may come to realize that their worst fears of running out of money in retirement do come true.

This nightmare could come true even faster if something unforeseen were to happen. An unexpected illness or inability to work can lead to a great drawdown in assets and if not prepared then the worst can happen.

ISMAmerica - The Not So Simple Solution

So the solution is not to simply accumulate or preserve wealth for retirement, but rather to do both. There is no doubt that these troubling times do make it harder for people to accomplish this goal, but with sound strategies and the right advisors to help, anyone is capable of reaching their financial goals.

However, this won’t happen if people continue to bury their heads in the sand and keep their money in a simple interest savings account, or worse, under the mattresses of their beds. The American Dream can only be realized with proper action and proper planning.

 

For additional information on ISMAmerica, please contact Tim Robely at trobley@ismamerica.com or visit www.ismamerica.com.

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ISMAmerica Reviews Baby Boomers and Retirement

ISMAmerica is an independent organization focused on restoring hope. We demonstrate and educate that the average individual, not just the elite or gifted or fortunate, has every right to expect that even today, with work and determination, they can still achieve the American Dream.

 

ISMAmerica Reviews Baby Boomers and Retirement

This coming year alone an estimated 10,000 people each day will turn 65. That means the impact on their financial lives as well as other generations will be greatly felt.

ISMAmerica - Baby Boomers and Retirement – Deep Impact to be Felt

The Baby Boomer generation is currently estimated at controlling nearly 70% of the total net worth of all American households. So, while this generation reaches retirement age the way in which every one of these individuals goes on to define spending is yet to be seen, but there is a strong indication that it will not be the way it was once perceived.

ISMAmerica - Retirement Staying Power Needed for Baby Boomers

Baby Boomers will be facing a retirement of anywhere between 20 and 30 years. This is almost as long as they have spent in the workplace getting ready to retire. However, with what has happened in the past couple of years, staring in 2008, this generation no longer has the luxury of retiring with ease as the financial markets, real estate markets, and even health care markets have taken a drastic turn for the worse.

Just the fact that Americans are now living longer means that these Baby Boomers will definitely have to have more money just to live comfortably, forget living lavishly. In fact, at no other point in time has a generation ever had to think about being retired for so long.

This fact may lead many Baby Boomers to stay in the workforce, at least part time. However, not retiring is likely not an option. There is always the unknown with life and if something should happen to the retired Baby Boomer or one of their family members then a bit of financial security can go a very long way.

ISMAmerica - The Need for Planning Ahead

As with anything in life, retirement requires a lot of pre-planning. This planning ahead should never stop and should actually intensify the closer retirement is. So, even the Baby Boomers who are less than a year away from retiring should be taking a long hard look at their investments and their overall investment strategies. While it may be too late to change course altogether, that doesn’t mean that the path to financial freedom is lost. Only by sitting down for a careful a professional review, will many of these Baby Boomers be able to see if their dreams of the Golden Years will shine or be tarnished.

For additional information on ISMAmerica, please contact Tim Robely at trobley@ismamerica.com or visit www.ismamerica.com.

 

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ISMAmerica And Retirement Planning for the New Economy

ISMAmerica is an independent organization focused on restoring hope. We demonstrate and educate that the average individual, not just the elite or gifted or fortunate, has every right to expect that even today, with work and determination, they can still achieve the American Dream.

ISMAmerica And Retirement Planning for the New Economy

If there is one thing that is for certain, it is that America is no longer in the same economic state that it was just a few short years ago. Now, America finds itself in the throes of a ‘New Economy’ that all started back in 2008. While Americans will learn to adapt as they always do, this still means that retirement planning can no longer be viewed in the same way as it once was.

ISMAmerica's View On Retirement Planning Before the New Economy - How it Was

Just a few years ago accumulating the wealth needed for retirement seemed to be almost too easy. Well, when something is too good to be true it often is and this too was the case with such easy wealth accumulation.

At the time, the housing market was on a course for the moon as ware the financial markets. That meant that anyone who owned a home and also participated in a company pension or 401(k) was likely looking at strong returns on their money and thinking about retiring in style. But fate had other plans for America.

ISMAmerica's View On The New Economy – How it Now Is

It all seemed like the perfect storm. The real estate market went from scorching hot to ice cold and suddenly double digit gains went flat. Then the financial markets had problems as well led by a lot of loose lending by many of the big banks. When it all started to unfold there were untold fortunes being lost each and every day. As bleak as the outlook was, the New Economy had emerged and it only got worse from there.

Housing started to drop drastically and people who once had equity in their homes suddenly found themselves having to hold their breath as they went underwater in them. The stock markets plunged and just like that retirement planning became an art form.

ISMAmerica is Rethinking it All – New Economy = New Planning

The American Dream can still be reached, it is just going to take a different approach to get there. There is no more easy money to be had, but there are plenty of sound investment strategies. Those who hold on to their dismal portfolios and hope for a return of the good old days will likely be disappointed, while those who plan now, and plan property, will likely be those who not only weather this storm, but profit from it as well.

For additional information on ISMAmerica, please contact Tim Robely attrobley@ismamerica.com or visit www.ismamerica.com.

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ISMAmerica Retirement Planning For Generation Y

Currently there are about 200 million working Americans. Of these working Americans almost 125 million of them were born after the year 1965. These Generation Y workers are a different breed of worker from the preceding generations like the Baby Boomer generation. Therefore, their retirement strategies will be looked at in a much different light as opposed to the other generations.

Generation Y Retirement Planning – Not Your Father’s Retirement Plan

The problem with a lot of the financial institutions out there today is that they still speak with the same industry jargon that related to the older generations. What’s worse is they will also want to treat Generation Y workers in the same manner that they did those in the Baby Boomer generation.

However, those in Generation Y are much more in tune with the world today. Not that they are smarter, but they grew up a lot better equipped. With technology becoming a driving force in their lifetime and continuing into their working years, the individuals of Generation Y are almost always connect in some way, shape, or form.

This simply means that those who are taking on the challenge of helping Generation Y reach financial freedom in their lifetime need to do so in a way that makes sense to them. It does little good for anyone to work with a financial advisor who only frustrates and confuses the situation.

Reliably Zero for Generation Y Retirement Planning

Another key difference with those in Generation Y is that they are fast coming to realize there is nobody they can rely on but themselves. It wasn’t all that long ago that owning a h

ome and being involved in a company pension or 401(k) meant a cushy retirement in the future. Now, market turmoil and other unforeseen factors have lead to what can only be classified as catastrophic and there is no longer any easy path to financial freedom.

Generation Y Retirement Planning Better Way

Generation Y is not like any other generation before it and will not be like any other generation after it. So, retirement that is actually enjoyable and worry free can come, but only with sound investment strategies and careful evaluating and reevaluating all along the way. This all starts with finding help form those in the industry who can think for the new generation and not only the old. What’s good for the goose may be good for the gander, but that method of thinking does not apply for Generation Y and their retirement planning.

For additional information on ISMAmerica, please contact Tim Robely at trobley@ismamerica.com or visit www.ismamerica.com.

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Exclusive Long Term Care Insurance Leads Give Insurance Agents The Competitive Edge

In today‘s complex and fast-changing industry, even the most seasoned insurance agent can get a much needed edge through quality long term care insurance leads. ParasolLeads utilizes a well-tested, organic lead generation system proven to change an agent’s bottom line for the better.

Like many others, the insurance industry has had its fair share of struggles and growing pains during the recent economic crisis, but for many agents and companies, long term care insurance leads are an advantageous tool to help build a more secure future. ParasolLead is a lead generation service providing solutions for insurance agents who desire quality leads.

ParasolLeads takes an organic approach to finding unique, qualified, and well-researched leads, allowing agents to spend less time tracking down the proper potential customer, and more time selling quality products to those who will benefit from them the most.

While virtually anyone can call themselves a lead generation service, few have the commitment to customer service and track record of success found through ParasolLeads. The Parasol team is known for taking the time to get to know agents’ needs in order to provide individualized solutions with the goal of creating profitable businesses for agents.

The company’s A+ Accredited Business Rating with the Better Business Bureau signals dedication to making customer satisfaction a priority.

Business in the United States is going through a period of great transformation, and those unwilling to adapt to the growing needs of businesses and representatives are undoubtedly about to find themselves left behind.

Business is at a point where people are looking for more from the services they need, whether it‘s a better deal, more reliable customer service, or simply knowing they‘re paying for something that helps their bottom line.

It‘s not about bargain-basement prices and something that can be ordered online with a touch of a button. It‘s about support, which is why we at ParasolLeads take the time to identify customer needs so we can meet them expertly.

About Parasol Leads:

ParasolLeads is the ethical, honorable leader in long term care insurance leads generation. The company helps agent clients to achieve significant ROI while creating the high client satisfaction that earned them an A+ Accredited Business Rating with the Better Business Bureau. For more information about exclusive Long Term Care insurance leads, contact ParasolLeads at             (877) 812-5111      .

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ISMAmerica Review – Where’s the Yield?

An ISMAmerica review of the current top yielding investments has revealed that yield is not so easy to come by these days. Not so long ago, it was not uncommon to be able to sock some money into a money market and get a return of six percent or more on your money. This return was even more if you simply bought some stocks on a down day in the market as the next day was usually followed by a nice bounce.

Nevertheless, with the economic climate starting a freefall that’s still hanging within the balance these days and key interest rates lowered to close to zero, the days of discovering an excellent yield at any bank or in any stock are over. But, you still want a decent yield and also you most likely do not know exactly where to appear in this market.

ISMAmerica Review – Where’s the Yield: Where to start

A great place to start your search for yield is online. You can easily search though the various banks and see which ones are offering the best interest rates on safe investments like traditional savings accounts, CDs, and the like. However, don’t expect to get much with this type of investing as many banks are well below the one percent mark on savings accounts in regards to annual yield according to key findings in the ISMAmerica review.

ISMAmerica Review – Where’s the Yield: Sit Down having a Pro

If you require more than the poultry yields that most banks are offering these days, you could try your luck with the stock markets. However, with the up and down yo-yo effect that the markets are currently going through, you may not have much luck there either.

A better idea is to sit down with an investment professional who can show you all your options. Gaining a yield that is significant in these times takes a lot of careful planning and also some creativity. Knowing how to keep your investments safe all while growing at a rate that will be enough to help sustain you in retirement is a trick that is not easily accomplished. Therefore, a professional can help guide you and hopefully help you find the yield.

ISMAmerica Review – Where’s the Yield: No Stone Unturned

With every ISMAmerica review that is conducted there is so much that is looked into. A review of yields for example, would not just be a quick search of investments that offer safe returns, but would also include seeking investments that offer higher returns while still being considered ultra safe. If an ISMAmerica review where to turn up anything that did not fit into their specific investment mold, then the investment wouldn’t even garnish a second look.

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ISMAmerica - ISMAmerica Reviews Bank Card Debt

Recently, ISMAmerica reviewed credit card debt because it pertains towards the average American. In this specific review, statistics from CreditCard.com were heavily relied on to complete their research and their findings had been laid out and broken down for study as with numerous other comparable ISMAmerica critiques.

Plenty of Holders

As there are a lot of credit card holders in the Usa, it stands to cause that there would be a lot of credit card debt. Based on the evaluation, there had been 176.8 million cardholders by the year ending 2008. Of all these cardholders, the typical cardholder has about three.five credit cards. When you add it up, that means more than 600 million credit cards are floating around and accumulating debt within the Usa alone.

Debt by Cardholders

Of course, each credit card that is issued comes from a specific bank or other financial institution. Of all the various types of credit cards in existence today, the top three in popularity among cardholders continue to be American Express, Visa, and Master Card.

When taken together and added up, the debt from all the U.S. cardholders equaled a whopping $2.43 trillion as of June 2011. This statistic means an average of $15,799 of debt per American household.

Keep in mind that number is simply an average. So, your credit card debt may be higher or lower, but there is a good chance that there is some debt there that may need to be addressed.

What You are able to Do Now

Credit card debt has a tendency to snowball. In other words, it might start out small, but as it gets going, it can quickly and easily get out of control. The easiest way in which you can control credit card debt is with some self control of your own. Avoid using credit cards for larger items that you really don’t need and always pay any balances in full at the end of each month if you can. This will help you avoid unwanted interest, which averages almost 15% according to CreditCard.com.

If you have accumulated a lot of credit card debt already, then quit using your credit cards. Work on reducing what you’ve already accumulated and see where you can cut expenditures so you can attack the balances of one’s credit cards instantly. Begin with the balances which have the highest interest rate after which go from there. As soon as 1 balance is paid off, go after the next 1 till you get your own individual debt below control once more.

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