Investing for Retirement

Retirement may be a long way off for you – or it might be right around the corner. No matter how near or far it is, you’ve absolutely got to start saving for it now. However, saving for retirement isn’t what it used to be with the increase in cost of living and the instability of social security. You have to invest for your retirement, as opposed to saving for it!

Let’s start by taking a look at the retirement plan offered by your company. Once upon a time, these plans were quite sound. However, after the Enron upset and all that followed, people aren’t as secure in their company retirement plans anymore. If you choose not to invest in your company’s retirement plan, you do have other options.

First, you can invest in stocks, bonds, mutual funds, certificates of deposit, and money market accounts. You do not have to state to anybody that the returns on these investments are to be used for retirement. Just simply let your money grow overtime, and when certain investments reach their maturity, reinvest them and continue to let your money grow.

You can also open an Individual Retirement Account (IRA). IRA’s are quite popular because the money is not taxed until you withdraw the funds. You may also be able to deduct your IRA contributions from the taxes that you owe. An IRA can be opened at most banks. A ROTH IRA is a newer type of retirement account. With a Roth, you pay taxes on the money that you are investing in your account, but when you cash out, no federal taxes are owed. Roth IRA’s can also be opened at a financial institution.

Another popular type of retirement account is the 401(k). 401(k’s) are typically offered through employers, but you may be able to open a 401(k) on your own. You should speak with a financial planner or accountant to help you with this. The Keogh plan is another type of IRA that is suitable for self employed people. Self-employed small business owners may also be interested in Simplified Employee Pension Plans (SEP). This is another type of Keogh plan that people typically find easier to administer than a regular Keogh plan.

Whichever retirement investment you choose, just make sure you choose one! Again, do not depend on social security, company retirement plans, or even an inheritance that may or may not come through! Take care of your financial future by investing in it today and perhaps follow a good retirement planning guide.

Property Investment

Women need empowerment in these tough economic times

It was the best of times, it was the worst of times, it was the age of wisdom it was the age of foolishness, it was the epoch of belief, it was the epoch of incredulity it was the season of Light, it was the season of Darkness, it was the spring of hope, it was the winter of despair we had everything direct to Heaven we were all going direct the other way – in short, the period was so far like the present period, that for good or for evil, in the superlative degree of comparison only.

A tale of Two Cities- Charles Dickens.

People today are constantly talking about doom and gloom and a coming Depression, however times now are no different to any other; we need to set ourselves up for diversity no matter what time we live in.

Recently over a million people from over 100 countries gathered online to hear about how they can profit during the coming depression, while simultaneously helping to permanently change the world for the better in the process…

I am also aware that with every third marriage now ending in divorce tough economic times and fierce competition for jobs single mothers and women aged 46 and over are Australia’s new poor and I can’t see it being any different anywhere else in the western world.

To this end, women should be seriously considering their position in the economic world and empowering themselves with the information and knowledge that has been kept secret far too long. Now more than ever opportunities are there for women, we have an open market with the World Wide Web and there are no longer any excuses for women not to prosper and be financially independent.

Empowered women, united can and will make a difference to this world.

The best advice I can give is to think about your current situation and ask how you can position yourself for times of adversity, be one of the army of people empowered with the knowledge and the ability to turn these times into financial freedom for you. Don’t miss your window of opportunity, as you may never have a second chance.

Everyday men and women need to learn the investment strategies of the ultra-rich. I would stop reading the newspapers as that is not where you will get any good strategies or advice only lies and political propaganda that is fed to us on a daily basis.

Don’t let the doom and gloom stop you from making sound investment decisions, look at what the rich are and are not doing. For instance currently the rich are quietly selling their stocks like crazy…

In fact, just a few months ago in October of 2011 alone, company insiders were selling at a ratio of 19 to 1. So for every share they purchased, they sold 19…


Good question, they obviously know something we don’t. Partner with the rich, start talking to those who mentor with the rich, go online find them, you would be surprised how much of their knowledge they are willing to give away for free.

Quite some time ago for instance I read the book “”What are you Waiting For?” by Justin Herald. It would be well worth your while to read books of that nature continually.

As previously indicated there is always doom and gloom out there, if there is a Great Depression coming… You will either lose what you have, or come out the other side wealthier than you have ever been, simply learn how the ultra-rich of the world turn times like these into quick money making ideas and opportunities is the mission should be a priority…

We have seen plenty of protestors out in the streets with valid questions and concerns about globalization but it is here to stay we need to learn how to compete in this market the tide is changing, there are money making investment strategies which are returning 10.5% to 27%, WITHOUT any direct exposure to the extremely volatile stock markets. All you need to do is to arm yourself with the right information and keep in mind stuff happens and is going to continue to happen, don’t let fear stop you from following the ultra-rich….

Would you have invested if you had known the following?

The past 30 years a quick snapshot:

· 17% interest rates

· The recession we had to have

· An oil embargo globally

· The melt down of economies in Asia mainly Japan, our biggest trading partner

· Several droughts in Australia

· Huge bush fires in eastern states

· The Y2K bug – banks crash

· Introduction of GST

· The post-Olympic crash

· September 1, 2001

· Credit Crunch in America

Is it fair to say there will be numerous other things to happen in the years to come?


So what’s the difference between the last 30 years and the next 30 years?


We can’t control global events or the economic cycle. They are going to happen anyway!

Darwin is about to boom – how can you profit in property from this boom?

The Northern Territory is the third fastest-growing of all Australian states and territories behind WA and Qld; it is no wonder the world is starting to pay attention.  Did you know that the huge investments being poured into the region is drawing a large workforce now and into the future and the rate of home building has been well below the level demanded by a rapidly growing population.

I am an avid property investor with a keen interest in helping young people and anyone else interested in setting themselves up for the future, by assisting them to get into the property market.  I have successfully helped my three children get into investing in property, with no capital to give them any handouts.  I am writing this blog so I can find out what people want to know and how I may help them to get started; what better place to invest than in Darwin?

Currently I am working on providing a book revealing the 7 secrets to investing in property, in order to assist people overcome their fear of investing in property by showing them what needs to be done and including the how and why.  All important stuff you need to know to get you started in your journey to financial freedom.  All you need is to have confidence in yourself and start gathering information to back up what I reveal and let me help steer you in the right direction once you have lots of knowledge behind you.

You really need to follow the following steps:

  • Using money to buy assets.
  • Using one asset to generate another
  • Realising that working hard and earning a good income for 40 years is not enough to be wealthy
  • Recognising an opportunity and acting on it immediately is necessary for financial success.
  • One good idea is all that’s needed to generate wealth.
  • Don’t always go for free advice.
  • Using income to increase assets is the quickest way to build wealth.
  • Keeping an eye on the big picture is necessary.
  • You can’t be wealthy if you keep spending it.
  • Planning is part of the process.
  • With persistence anything is possible.
  • Good information at GWELO Developments for further information about Darwin: