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How To Start The Envelope System At Home

By Kevin Farrar

The use of checks, credit cards and debit cards has proved a convenient way to purchase. In addition to that if we have our paycheck set up on direct deposit it is possible to live for months without touching cash. One of the problems with cash-less living is that unless we are extremely disciplined we expand the boundaries of our spending. In fact it causes many people to spend well beyond what they can afford.

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We have just opened up for public submissions additions to our *NEW* and *FREE* Directory Listing … sponsored by our newest addition to the HART-Empire Network 62-151 Media Group.

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Five Reasons Why Being Financially Free Will Benefit You and How to Achieve Financial Freedom

By David Brown and Paula Brown

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An Estate Planning Primer

By Bill Willard

An estate plan can be designed by clients and their professional advisors to achieve the client’s personal and financial objectives. Or, it can be an arrangement imposed upon survivors by state intestate succession laws if someone dies with¬out a valid, up-to-date will. Even though a will is the most basic estate plan¬ning tool, two out of three Americans die without one.

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Further to my entry called “Three Reasons Why I Might Be Poor When I Retire” .. I’ve had fun reading all of the lists that other bloggers had come up with. Some are obvious, some are not too obvious, some are hillarious and some are such common sense that you wonder why you didn’t think of that!

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Retirement Planning: Taking Advantage of Matching Contributions

By L. Sampson

Many companies offer matching contributions for your retirement plan. Are you taking full advantage of this opportunity to maximize your retirement account growth?

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10 Effective Ways To Reduce Your Expenses & Increase Your Savings

By Edy Subiyanto

A lot of people outspend their income every month. What most people earn from their jobs is simply not enough to meet their needs; hence most people take on a second part-time job or start their own business to supplement their income from their main jobs.

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Here are six items that I found in my Bloglines .. I thought they are interesting enough to pass along for your perusal! …/ HART

(1) Retirement plan requires updating and adjusting – http://www.courierpress.com/

(2) Einstein On Compounding Interest (Rule of 72) – http://investorial.com/

(3) How Compound Returns Favor The Young – http://www.getrichslowly.org/blog

(4) Deciphering the New Retirement Law: H.R.4: The Pension Protection Act – http://prlawinc.typepad.com/

(5) 10 Retirement Planning Mistakes – http://retireplan.about.com

(6) Pension Act Shapes Future – http://www.kansascity.com/mld/kansascity/

Will Women Face Financial Hardship in Retirement?

By Debra Lohrere

The looming hardship that will be faced by many of the baby boomers once they retire could well affect women a lot harder than men. The likelihood of the government being able to afford any sort of reasonable amount of pension is very slim, simply because of the magnitude of the number of people who will be retirees, compared to the working population. The Australian government has realised this, and that is why they introduced the compulsory employer paid superannuation scheme and are even now beginning to give financial incentives to Self-funded retirees. They are also now encouraging people to work well beyond the 65 year barrier.

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Retirement Then vs. Retirement Now

By Rick Ramos

Most of us dream of a retirement of travel, relaxation and nothing but free-time. But, if you’re in that majority are you in the minority of those actually saving for your golden years? Only about 30% of Americans are actively saving for life after 65 and only about 25% are confident of their ability to afford it. The scariest statistic of all? Almost half of the workforce have no retirement plan in place at all.

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An Estate Planning Primer

By Bill Willard

An estate plan can be designed by clients and their professional advisors to achieve the client’s personal and financial objectives. Or, it can be an arrangement imposed upon survivors by state intestate succession laws if someone dies with¬out a valid, up-to-date will. Even though a will is the most basic estate plan¬ning tool, two out of three Americans die without one.

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Darren Rowse is calling for interested bloggers to join his Group ProBlogger List Project. Participants may earn prizes too! How to participate:

1) Write a LIST post
2) Let Darren know about your LIST post
3) Darren will link your LIST post
4) Surf Darren’s page and read other peoples’ LISTs!
5) Link out – Write about the peoples’ LISTS that you like!

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