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Saturday, September 19, 2009

How To Make Sure You Secure A Comfortable Retirement.

In these hard economic times planning ahead and sticking to your plans is a quite a challenge, but fundamental. My advice is that you need to begin planning for retirement the moment you land your first job. The notion that tomorrow never comes is misplaced, for me it is lack of focus. As we grow older, years appear to move faster than when we were younger. It therefore means that we need to take decisive steps and implement a retirement plan.

Learn to have a budget from the moment you start getting an income. Differentiate between your needs and wants. Budgeting will help you avoid overspending and hence have some money that you can save. It also assists you to prioritize and only purchase items that you actually need.

Protect yourself through affordable insurance policies. Old age sometimes comes with myriad of health complications and hence you may need a sound medical cover to cushion yourself against such unforeseen incidents.

It is important to also set goals that are achievable. One important thing that would guarantee a comfortable retirement is investment. Whether you decide to invest in a business or acquire assets, try to make sure you come up with ways of making money that will not require too much supervision.

Get financial advisors who will help you invest your saving wisely. Financial advisors will instruct you of the best banking options that cost the least to operate and assist you borrow wisely if need be. A good indicator that you are on the right track would be having an emergency fund that can sustain you for at least six months.

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Achievement - Power And Ability Of A Positive Mind

“Attitude is everything!” This statement carries so much truth that if every one took time to think about it and make necessary adjustment in life, then our lives would change for the better. Many times in our quest for self improvement, we have concentrated on changing and improving many things but our attitude.

Attitude is a person’s frame of mind. It is the mindset that a person has that helps him to develop a world view. Attitude is expressed by how we respond to issues. One person once said, “Life is not what happens to you but how you respond to issues”. Two individuals may encounter a similar negative situation but how they will each respond will determine the outcome.

One of the main attitudes we need to embrace is cultivating a positive mindset or attitude. As you read through history you encounter ordinary individuals who did extra ordinary things. Moses in the Bible was known to stammer in his speech but he became the deliverer. Abraham Lincoln on the other hand educated himself; he had no formal education but became the most acclaimed president in the history of the United States.

Mother Teresa, a simple nun in Calcutta also became an icon through her acts of mercy and philanthropy. The list could go on and on. What characterized these people was a positive mindset, they all believed in possibilities and they responded decisively for the good of humanity.

Regardless of your present status and condition, you can accomplish anything with positive thinking. There is power that is released through positive thinking and once it is released, it will always work for you. Positive thinking acts to enhance your abilities and virtues. Nothing is impossible to him that believes.

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