Planning Early Retirement | for Those Not Named Tiger Woods Submitted by Jim Roche NJ

"Flying by the Seat of Your Pants" might have worked just fine while you were employed, but ignorance or mistakes in early retirement planning can cost you dearly. Retiring early, choosing the wrong investments, withdrawing too much money or failing to plan for health-care costs can all turn your golden years to brass.

Although there is no guarentee you'll avoid unpleasant surprises if you plan -- but you can probably tip the odds in your favor. Here's a checklist to get you started. (As you get going, your Retirement Planning can help you make sure the numbers add up.)

10 years out
Think about where you'll live. Demographic surveys show most retirees "age in place," meaning they continue to live in the same house, or at least the same community, as when they retired. But downsizing or moving to a cheaper community can help your retirement assets last longer. Since where you live has a strong impact on your expenses, you'll want to consider your options carefully.

The Sabols, for example, had equity worth more than $225,000 in their New Jersey home. If they sell and move to the Florida condo they own, they could add that equity to the $350,000 already saved in their retirement nestegg. If they stay put for a few years, by contrast, the Sabols would have to keep paying their mortgage and other home expenses -- a difference of $2,000 or more in their monthly costs.

Imagine what you'll do. Some people don't think about how they'll spend their time in retirement until they wake up jobless. That's a bad idea psychologically as well as financially.

Retirees who fare best are generally the ones who have absorbing interests to pursue, said Ralph Warner, the recently retired author of "Get a Life: You Don't Need a Million to Retire Well" (Nolo Press). Those who wait until retirement often find themselves casting about for something to do, and may discover that the hobby or pastime they thought they would love isn't quite so engaging when they can indulge it full-time. As Warner says, "There's only so much golf you can play."

Speaking of golf, your activities in retirement also influence how much money you'll need. If you want to play the finest courses or travel the world, you'll need to save more than if you like to play canasta and visit relatives.

Boost your retirement contributions. If you're not already taking full advantage of your 401(k), IRA and other retirement options, now's the time to increase your contributions. Use MSN Money's Plan for your early retirement planning to see if you're on track, and try your calculations using different life expectancies. Your chances of making it to age 90 or beyond have never been better; many financial planners now use age 95 as their default life expectancy.

Consider paying down your mortgage. If you still have some cash left over after paying off your other debt and maximizing your retirement contributions, think about getting that mortgage retired before you do. Having the house paid off helps many retirees sleep better at night. Not having a mortgage also means you may have to draw less from your retirement accounts, allowing them to grow tax-deferred longer and reducing your overall tax bill.

It is never to early to learn how to retire. Start today check with your employer to see if they offer any early retirement incentive programs. In the next installment I will cover retirement planning with 5 years to go before retirement.

Jim Roche of NJ has created The Early Retirement Planning Forum for you to visit join and post all of your early retirement planning tips as well as provide information and resources for those wanting to retire early, or just what is necessary for you to know how retiring early can become a reality. .

For More Information Contact

Jim Roche NJ
908-413-5363
http://retireearly.thesavingshighway.com/
jimroche.com@gmail.com

How to Retire Early | Early Retirement Planning | Retiring Early Submitted by Jim Roche NJ

The answers to the following questions could take a while to formulate. But not taking the time to do so comes with dire consequences. Of course, much of what needs to be done in order to retire early requires saving more and making sure there's enough cash to last a lifetime. But a whole host of other factors must be considered. More than likely, it's a case of garbage-in, garbage out. If all you examine is whether you have enough money to retire early, you may get the wrong answer to the "Can I retire early question?"

What are your main goals and concerns relating to retirement?

Who, besides yourself, needs to be taken into account in your planning (a spouse or partner, a dependent child, a dependent parent, a grandchild who lives with you or needs your support, an ex-spouse, other adults living in your home)?

What is the age, sex, smoking status, overall health, citizenship, state of residence, and relationship to you, for each person?

What assets do you own (preferably with lots of details here), and what income do they generate?

What debts do you have? What job(s) do you have now, how long do you expect to have them, and what jobs do you anticipate having in the future?

What other sources of income do you have or anticipate: pensions, annuities, Social Security, alimony, royalties, etc., including future expectations (e.g., an inheritance, the pay-off of a family loan, etc.)? What expenses do you incur, or do you expect to incur, both as a family and as individuals?

What intentions and plans do you have for what happens when you die, or if you become incapacitated?

What kinds of life and health insurance do you have, including long-term care insurance?

This is just a small sample of questions that must be addressed before you decide to retire early.

Retiring early, whether you stay employed or not, however, requires a plan. Not a flip-of-the-coin, Heads; you retire early or Tails; you don't plan. Some 10,000 Americans will turn 60 every day over the next 20 years. Many will celebrate their next birthday asking whether they can walk away from their current job and retire early. For most Americans, the answer is no. Most Americans, according to a number of studies released recently, don't have enough money saved to enjoy the same standard of living in retirement as in their working years.

The odds are that many of these Americans who are contemplating early retirement never crunched the numbers to figure out whether it made sense or not. Many retired Americans seem to make do with what they have and are seemingly happy with what they have.

We as Americans tend to adapt to our current circumstances. Dont just settle or adapt in what is meant to be your Golden Years. Thrive and make those early retirement decisions pay off for you and become the most enjoyable ones of your life. For More Information About Early Retirement Planning

Jim Roche NJ
908-413-5363
http://retireearly.thesavingshighway.com
jimrochenj@gmail.com

Low Cost Splash Page Promotion Submitted by Jim Roche NJ

Is a brand new concept in Splash page promotion. By using this simple little script it will put YOU in control of the site promotion that your members do.

Have you had members promoting a splash page that is no longer valid?
or
Had members promoting special offer splash pages long after the promotion has ended?

Far worse is for you to have had a special offer splash page made and then most of your members have not even set it up?

NO MORE!

Imagine Having a low cost splash page promotion tool that allows you to control which of your splash pages is being circulated by all your members and will automatically change it after a predetermined number of days of your choice.

Splash pages need to be changed at regular intervals to prevent people getting familiarity blindness. Familiarity blindness is when you have seen the same thing so many times that you don't notice it anymore, and this happens very rapidly on traffic exchanges.

So, what do you do with that splash page that is not getting click through's any longer? You cant dump it because that may cause dead links for your members that are trying to promote your site for you. But if you could take it out of circulation for a month or so then use it again, those click through's will return. The problem is, to get all your members to do it at the same time is nearly impossible.

That is until NOW.

The Low Cost Splash Page Promotion Tool will do it for you seamlessly.

It has been proven by testing over many months that after using a splash page continueously, the click through rate falls off dramatically. However By taking a Splash Page out of circulation for a while and then using it again the click rate goes back to an acceptable level. Thus giving it a new lease on life.

The Low Cost Splash Page Promotion Tool also allows you to set up Special Offer Splash Pages and Guarantee's that your members will get them shown for you.

All you need to do is set up your Special Splash Page and set a start date and an end date. The start and end dates can be anything from 1 day to months ahead of the day you set it up. The Splash Page Promotion Tool will then make sure that it starts showing on the start date and will stop showing on the end date totally automatically.

You give your members just one link to use for your splash page promotion, and the low cost splash page promotion tool does the rest. This solves the problem of members having to change all their links in the numerous Traffic Exchanges they belong to. It also ensures that Special Promotions are shown only for the period that you pre- set.

For more information Contact
Jim Roche NJ
908-413-5363
skype id =jim.roche3

Become Wealthy | Retire Early | Savings Highway | Submitted by Angie Mitchell

Yes, it is absolutely possible to become wealthy even in today's economy and you can start right now with a Savings Highway Membership. I'd recommend joining at a Gold Level because it offers you the most Savings, Bonuses, and Commissions. As a Gold member, you can earn up to $40,000 a month plus bonuses, of course that totally depends on how motivated you are but Gold is for serious income earners. You may also choose from a Silver or Bronze Membership, however, Gold provides the most potential income for you and your family.

Before I get too carried away, I want to tell you that by joining Savings Highway you are not "selling" anything. This is a savings and earnings program, we do not try to sell people things they do not need or want. We offer people the opportunity to save money on the things the need or purchase anyway such as dining out, entertainment, shopping, dental, vision, roadside, legal, x-rays, prescription savings, groceries and so much more.

I invite you to check out my website for a list of services and benefits offered to you as a member and to those you will be helping to become wealthy as well. Who would have thought that we can all retire early and save money at the same time?

Since almost everyone wants to save money and make extra income, offering these savings is an easy thing to do especially with a program like Savings Highway. The faster you help people and the more people you introduce, the faster you can become wealthy and retire early.

Let me show you your money making potential as a Gold Member

1. FAST CASH--Each time you introduce a new Member, you will receive 50% Fast Cash Bonus! This is paid to you the following week! Each time you refer a new Member, you will receive $50 and a $25 visa gift card.

2. MONTHLY PERSONAL REFERRAL BONUS--You will receive a $10 a month Personal Referral Bonus, EVERY MONTH on each personally referred Member.

3. GOLD MATCHING BONUS--Receive a 10% Monthly Matching Bonus on all of your personally referred Members' checks.

For example, when you introduce just 6 Members, and they all follow the Retire Early Plan and earn $40,000 a month, your Monthly Matching Bonus would be $19,200 a month in Matching Bonuses! That's $3,200 X 6 = $19,200.

4. $300 MONTHLY CAR BONUS--Savings Highway will reward you for Going The Extra Mile. By Helping just 10 people to Save Money, you will receive a fantastic $300 a month Car Bonus and your Organization reaches 50 Members.

5. $750 MONTHLY LUXURY CAR BONUS--When you help just 25 people to Save Money and your Organization reaches 150 Members.

6. $2,000 MONTHLY LIFESTYLE BONUS--Receive a $2,000 Monthly Lifestyle Bonus when you introduce and maintain just 50 personally referred Members and your Organization reaches 300 Members.

7. You will also receive $14 a month for each of your personally referred Members starting in month and you will also receive $5 a month for all Members in your Organization from level 2 through 12 referral levels deep, no matter who introduces them, how sweet is that?

You have a simple system that can actually help you to become wealthy and retire early by saving money on things you have to buy anyway, doesn't it make perfect sense to join Savings Highway and let everyone know about it?

You have just one simple decision to make, you can either get started on the path to savings, abundance, wealth and success, or continue on the path you are on. If you want more, if you want things to change, then you must make a change. Savings Highway can help you to retire early. Join the thousands of others who have been fortunate enough to find Savings Highway and change their lives for the better.

Click Here to Retire Early

Angie Mitchell
604-883-2218
Skype: angiebt79828
angie@thesavingshighwayclub.com
http://retireearly.thesavingshighway.com

My Online MLM Business | Veretekk | Jim Roche NJ Submitted by Jim Roche NJ

There are so many Online MLM Business companies out there these days but the number one question still remains, which one is the best? There is no right answer. First, you have to ask yourself, what are you looking to achieve? What are your goals? There's alot of things you should pour over when selecting which one is best for you. Here are three of the biggest:

1. Does the company have long term success. What's in it for you?

Does the company have a long term presence? You should look into one that has been around for at least 3 years. By joining an already established company or one that actually promises a real future, you will be more likely to have long term success. Don't join some fly by night organization. Do a Google search for Online MLM Business company and gather information, even call or email others already involved and ask questions.

2. What products or services will you be offering? What's in it for you?

It will be quite difficult to introduce new members into your Online MLM Business if there is no real tangible product or service being sold. If it's seen as a money making scheme it won't succeed and people won't buy into it. People need to be able to sink their teeth into something of value. They, like you will be asking "What's in it for me?" Keep in mind the economy, people can't afford high priced lotions, potions or pills right now. They are trying to save money not throw it away. Is there an autoship? Will your garage be stock pilled with product people can't afford to purchase? Let's hope not.

3. How will you get paid? What's in it for you?

You need to look at the compensation plan and make sure that you are comfortable with how company pays out their commissions. Some Online MLM Business companies pay weekly, some pay monthly. (I prefer weekly!) Make sure you are OK with how you are compensated and also that you are bringing in as much as possible in commissions. Even though the "worker bees" are doing the marketing and sales aspect of it, most MLM companies can't and won't pay out every penny to the "hive". (It's rare but just for the record, I have had 100% commissions month in my business opportunity.)

Now, even if all your ducks are in a row it still doesn't mean you are going to see success in your venture over night. There is no such thing as immediate success in this industry, you need to actually do the work and put in some real effort into building your organization. "Earn your stripes" as they say. Steer clear of anyone telling you that "it's easy", "make $15,000 in a week" It just won't happen, not right away. It's now up to you to do your homework, choose a company and build your network.

Last but not least, you are going to want to check into a fantastic marketing system. It's extremely important for whatever network marketing company you choose. This system will allow you attract new members that you can present your business to on a daily basis. If you need marketing tools I can recommend Veretekk Online Marketing System. Jim Roche NJ can help you with an established online Online MLM Business (one you can sink your teeth into) and the tools needed to help grow your business.

My Online MLM Business
Online Marketing Tools

Jim Roche NJ
908-413-5363

Family Legal Club of America | Savings Highway | Submitted by Angie Mitchell

Savings Highway and the Legal Club of America have come together to offer Members a Family Legal Plan that covers your entire family as well as children under 25 and any dependents that may be living with you. With a membership you are able to use this service as often as you like, so when you or a family member have a legal concern, you can feel confident to pick up the phone, receive legal advice and not have to worry about the cost.

Members have access to over 20,000 Plan Attorneys that they can be called any time during normal business hours (8:30 AM to 7:30 PM EST) or visit a Plan Attorney to get unlimited legal advice about any new legal matter. The Plan Attorney will discuss legal questions with you or a member of your family and assist in reaching a solution to the issue. A Plan Attorney can review important legal documents, draft a simple will or write letters on the member's behalf, ALL AT NO CHARGE!

FREE Services Offered by Family Legal Club Of America:

1. Unlimited phone consultations for each new legal matter
2. Face to face consultations for each new legal matter
3. Review of important legal documents (6 page max.)
4. A free simple will with free annual update
5. Help representing you in small claims court
6. Write letters on the members behalf
7. Make phone calls on the members behalf

Savings Highway gives you the power you need to handle your legal matters with FREE CONSULTATIONS!
Plus, you'll enjoy a Capped Hourly Rate!

Family Legal Plan Attorneys contract to never charge more than $125.00 per hour for legal care that goes beyond the free and discounted services. No competitor in the nation can make this claim or match Savings Highway Family Legal Plan. This is where the real savings begin.

After the free letters, calls and consultations take place, members and their attorneys will have to decide what course of action to take next. In some cases, members may not have a choice and litigation may ensue. This is the point in time at which the attorneys begin to charge the $125.00 hourly rate for legal care.

You will receive a great Discount on Contingency Based Cases! Your Contingency fee will be a 10% reduction of the state maximum rate or the attorney's usual rate, whichever is lower.

If you do not have a will, you need one... especially if you have children. Now you can get your Free Simple Will done for FREE with your Membership! Save an immediate $200 with your Free Will today!

"Hi, I'm Walter Montford in Georgia. I used the Pre-Paid Legal Plan to Save over $30,000. Without the plan, I could not have afforded to keep up with the person I was in court with. Because of the plan, I was able to save Thousands and win the legal battle. I highly suggest you get a Savings Highway Membership, because you never know when you will need the help of a lawyer...and when you do, it could save you Thousands!" -Walter Montford, GA

As a member simply pick up the phone, speak to a customer service representative and then you'll be put in touch with a participating attorney in your area. It's that simple, it's FREE and easy to use. Now you don't have to be afraid to pick up the phone and get your legal questions answered, if you need to go to court, you'll have great legal counsel and potentially save hundreds or even thousands of dollars... with Savings Highway Family Legal Plan.

For more information and other savings offered by Savings Highway Click HERE Angie Mitchell
604-883-2218
http://thesavingshighwayclub.savingshighway.com/
Skype: angiebt79828
angie@amitchellonline.com

Want to Know How to Retire Early? Savings Highway Will Get You There Submitted by Angie Mitchell

Many experts estimate that a huge percentage of future retirees will have to cut their expenses drastically once they stop working if they want to make sure they don't go broke. The real answer to the question, "Can I retire early?" is: "Of course you can, but you may run out of money." It's completely possible to retire early without this happening!

How are you supposed to plan for early retirement when we are faced with a failing social security system, longer life spans, inflation and volatile markets? Well, to start with take a deep breath & relax, because no matter how daunting things may seem now, chances are you have more options than you think when it comes to how to retire early and when all is said and done, this is what we're here for... We are problem solvers.

Our mission is to preserve, protect and defend your financial security and enhance your retirement by providing superior financial solutions and savings.

What is the real issue standing between you and the early retirement you deserve?

You don't have to accept stock market risk in the hope of reaching your goals. We will show you how to have stock market like rates of return with absolutely no downside.

If you have large IRA, 401k & other qualified accounts you may be amazed to learn just how big your tax liability is in retirement. We can help minimize your tax liability but the choice is yours. When you work with us you never give up choice & control. Find out for yourself how much better off you can be and we'll show you how to retire early.

There are few opportunities that provide a full-time income potential while working on a part-time basis. Savings Highway is enabling thousands of people across the country to turn their dreams of retiring early into a reality because they are earning a living they never thought possible.

Compared with other investment opportunities, a home internet business is a flexible, stable business that allows you to earn an unlimited income enough for you to retire early. However, a home internet business takes a little time and effort on your part to learn and get comfortable with. It's wise to start early.

What I suggest you do is to find and join an established company like The Savings Highway Club which has at least been in operations for a minimum of 3 years. The longer the business is in operations the better chance as they are unlikely to scam you. Large company usually have an establish system in place, you don't have to worry that they will run away with your money. Give yourself one year of continuous effort to learn how to run your home internet business, start building your foundation and your retire early plans will no longer be a pipe dream.

Remember, there are no so called secrets to succeed on the internet. People you see that are successful started their home online business early. Start building a strong team, a network of positive like minded people who want to take control of their lives, bring together collectively empowered and inspired people to create massive freedom for themselves, embrace a new challenge and start to living deliberately! I'm telling you, it will become your passion!

Wishing you nothing but success in your early retirement!

It is my mission to educate people and bring savings and financial wealth everywhere.

Angie Mitchell
604-883-2218
http://thesavingshighwayclub.com
http://retireearly.thesavingshighway.com

MISSION STATEMENT: Our mission is to assist 1 Million families in the USA to reach Financial Independence. By providing American families with a Membership they can use to save money including benefits like Family Dental, Vision and Health Savings, 24 Hour Roadside Assistance, Savings on Dining, Shopping, Office Supplies, Recreation, Travel, Taxes and more, and combining all of these great benefits with our 2 who refer 2 "Retire Early" system, we can reach our goal of assisting 1 Million Savings Highway Families to find Financial Independence, and have fun along the way!