Insurance - Don't Let Health Care Hijack Your Retirement by Jeffery Voudrie
... Find a financial calculator on the internet to determine how much to save. If you’re still years from retirement and healthy, don’t think you’ll need to save less. As you age, chances are your health will decline, perhaps suddenly. So don’t base your savings on your health situation today. But saving enough isn’t always practical. Pre-retirees and retirees alike need to have a back-up plan in place in case their health care or other expenses take a sudden unexpected increase.
How to Set (and Get) the Right Prices by Jay Lipe
... Sensing this, buyers will negotiate harder and the resulting price reductions will cut into your margins. Instead, think about coupling price discounts to the buyer with equivalent reductions in your offering. For example, you could say “OK I can lower my price to $15, but I’ll have to reduce our warranty period from five years to two.” Sure, pricing is a financial decision. But it has wide ranging impact on your positioning, your selling efforts and your product offering.
Compound Interest Doesn't Add Much To Your Wealth by Francis Kier
... So unless you are a 4 year-old with $50,000 in the bank and have the discipline to never spend it, even the concept of compounding is fairly irrelevant for your financial future. Today, half of the 50 year-olds in the U.S. do not have $50,000 in retirement assets. Even skilled investors are unlikely to build that into a tidy $2,000,000 by the time they turn 65. The compounding that pays the most is the addition to your savings over time and investing skill.
New Year's Resolutions, The "Word" and a Small Business Retreat by Sandra Martini
... . .otherwise a notebook and calculator will do just fine. Use this list as the starting point of where you want to go, what you want to do and, equally important, what you don’t want to do in the upcoming year. 4. Break it down into small determining where I want my business to go over the next year (month, quarter, etc.), I break down the larger goals into quarterly objectives and then into monthly objectives, etc. This takes the “big picture” and makes it more manageable as I can get my ...
How to Build an Effective ROI Calculator by Glenn Clowney
... Test and refine the calculator 10. Train sales and customer facing employees on how to use the tool ESTABLISHING A CENTRAL REPOSITORY OF INFORMATION Use the ROI Calculator as part of your sales process and make sure that all of the information from customers is saved. You can use the saved information to refine the customer segmentation and improve the customer qualification process. The saved information also provides the foundation for excellent customer case studies.
What's the Difference Between Individual, Family, Group and Health Insurance? by Kurt Stammberger
... Depending on the size of your company and your financial constraints, you might choose to pay between 75 to 80 % (also called co-payment) of the premium… or the entire amount. It’s really up to you, as an employer, to decide what’s fair for your existing staff and attractive to prospective employees. If the employee chooses to include a dependent under the group coverage it is not compulsory for you to pay premium for the dependant. When you avail yourself of a Small Group Health Insurance, ...
Stock Market Excitement Is Not Exclusive of Wise Investing by Jamie Wu
... You are ready to invest in financial products that give you hope for an unplanned upside at the cost of a potential downside. The ideal products are therefore identified as having the right mix between fixed income and expected capital gain: market indices, Exchange Traded Funds, corporate bonds and unit trusts. Finally, the fun part! Once you divided your savings into portions going to long term and mid term goals, what is left can be used for more exciting investments focusing on pure ...
Are You Where You Want To Be? 5 Steps To Help You Get There by Sandra Martini
... If you have a laptop, bring a notebook and calculator will do just fine. Use this list as the starting point of where you want to go, what you want to do and, equally important, what you don’t want to do in the upcoming year. 4. Break it down into small determining where I want my business to go over the next year (month, quarter, etc.), I break down the larger goals into quarterly objectives and then into monthly objectives, etc. This takes the “big picture” and makes it more manageable ...