Used to work with this bule before I started my career in Prudential 15yrs ago. Never had a chance documenting his pic n this afternoon, suddenly met him in a restaurant. Nice to meet you, david!! •
Last appoinment for today..Alhamdulillah sampai awal dari prospek dapat tarik nafas dulu..hihihi..n waze pun bagi kerjasama x bawak melalut..
"invest know for better future"
i can show u the way, but choice in your hand.
bijak la menguruskan pengurusan keewangan anda dari sekarang. cuba lihat diri kita 10 atau 20 tahun akan datang. adakah kita sudah bersedia untuk diri kita pada hari tua kelak? tak kan umur 50 tahun still bekerja?
O gosh It has been and it is difficult to be patient. Many times I want things to manifest as soon as I get the ideas.
The actual case though is that things take time. You need to grow for those ideas to fit into your life and then one day...
Voila! 🤗 Suddenly it seems like everything happens at once.
So my advice this Sunday is.
Be patient, work, learn and do enjoy the journey. Don't only focus on your big goals.
Tune up your 401k by checking the following:
➖Fine tune your contributions level. If you are relatively new on the job, you may have been automatically enrolled in your 401(k), with contributions set at just 3% of salary. That’s not enough to fund retirement and might not be enough to capture your full employer match. If money is tight, raise your contributions when you get your next raise. Check if your employer offers automatic escalation, which increases your contribution level for you. If you’re able to save big, aim to contribute the legal max: That’s $19,000 if you’re under 50 and $25,000 if you’re 50 or older (you usually must separately choose to make all or part of the $6,000 catch-up contribution)
➖Look into the Roth option. Check if your employer offers a Roth option. Instead of making pretax salary deferrals, you contribute on an aftertax basis. Roth money grows tax-free and comes out tax-free, giving you tax flexibility when you start taking money out
➖Reassess your asset allocation. If you were automatically enrolled, your money is probably in a target date fund, which reduces your exposure to stocks as you age. That’s not a bad choice, if fees are reasonable. If you’re older and picked your own investments years ago, the bull market may have left you more heavily in stocks than you want. Use an asset allocation tool provided by your plan or a free one
➖Rebalance. We recommend the auto-rebalancing feature that more employers are offering. It takes out the emotional decisions. Otherwise, get quarterly statements and rebalance at least annually to keep on track. At the same time, you should reassess your risk level, taking into consideration any life changes
➖Confirm your beneficiary designations.Remember it’s your beneficiary form—not your will or living trust—that controls who gets your 401(k) when you die. Make sure to name both primary and contingent (alternate) beneficiaries.
Project Clear Code Violations
This project had more than 2 dozen code violations to clear before we could get it rented. The kitchen alone had inoperable and leaking windows, cabinets that wouldn't close, plumbing that knocked and leaked into the basement, inoperable electrical, no appliances, mold, and it all sat atop a soft floor.
Time to say good bye to the sunshine, and hello to so many new conversations, about our vision for the future, with those curious and entrepreneurial humans that want to make the rest of their life the best of their life.
Will you be one of them?
A big big thank you to our amazing head office team @arbonneaunz for the best conference ever and for bringing us the most inspiring, world class speakers.
We are expanding! My team is expanding! This ground level company will be EVERYWHERE before we know it! Love spreading the clean crafted™️ goodness! If you or someone you know is in #westvirginia#alabama or #newhampshire DM me! You would be some of the first in your states and let me tell ya the first in and have a quicker route to the top! I can help you!
What can I say? The #roommate took a break from competition for a few months. She was back and forth at least 10 times about fighting in this tournament. It also seemed that her heart wasnt completely there while training. But as soon as she stepped on that mat all doubt went away. She was back to her normal self. The #RetirementPlan won silver medal at Kids International @ibjjf Jiu Jitsu Championship. #ProudDaddy
Have you started saving for retirement? It is easy to get overwhelmed with all of the different options for retirement savings, including which account to choose. If you haven’t started saving for retirement, it’s never too early or too late to start. While there are many ways to get started and save for retirement, we’re going to go over two main types of IRA accounts - Traditional and Roth IRA (An IRA is an Individual Retirement Account). Both have different advantages.
A Traditional IRA is a retirement account that offers tax advantages to savers. If you are eligible for a tax deduction, your Traditional IRA contributions are deducted in the year they are made. Which could provide some savings to you in the immediate future. You only pay taxes on your money when you withdraw funds from your account. One advantage of this account is that your investments grow tax-deferred, meaning you won’t be taxed on the gains until you withdraw them.
A Roth IRA is a retirement account where you’ve already paid taxes on the money you’re saving. You’ll often hear this being referred to as ‘pre-tax’ contributions. This means you will not pay tax on your Roth IRA withdrawals in retirement. Earnings can be distributed if a five-year waiting period has been met, and you are at least 59 ½ years old. A Roth IRA account also offers some additional perks allowing you to withdraw early if you are purchasing your first home, disability, or death.
IRAs, in general, are designed to help you save for retirement. Although, there are some differences between a Traditional and a Roth, both are options to consider when thinking about saving for retirement. For more tips on retirement, check out the article Retirement Planning Tips on our website.
Click the link in our bio for more information about the differences between the two types of IRA accounts.
The U.S. is obsessed with saving for #retirement . You hear about it every day. Social Security will be almost kaput in the next few decades, and if you don’t save enough for old age, a daily diet of cat food, misery, or worse could be waiting for you.
Thankfully, we have 401(k)s, 403(b)s, and pension plans to help us save. Cash balance plans (CBPs) are another leg of that retirement savings regimen.
What Is a Cash Balance Plan and How Does It Work?
A cash balance plan is a retirement savings tool that works basically like a pension or a defined-benefit plan. The employer credits a worker’s account based on a predetermined percentage of their annual compensation plus a guaranteed #interestrate . The money is then pooled with other participants and invested.
Read more about this in the link in our bio.
Sumber drpd pegawai kwsp menyatakan rata2 ahli kwsp menghabiskan wang kwsp mereka dalam jangka masa 3-5 tahun sedangkan purata umur rakyat Msia sehingga 75 tahun.
Daripada akaun 1 anda terperam je apa kata kembangkan ke unit trust..xrugi pun..dah ramai yg buat tau.
#LateNightsEarlyFlights Catching the first flight out for a good 'ol fashion 12-hour turnaround to Vegas. Going to watch the #RetirementPlan fight at the @ibjjf International Jiu Jitsu Tournament. If I'm lucky maybe I'll see some fights on this Spirit Airlines flight. Total cost of flight $35, Uber Ride to the airport $37, chance to see a fight go viral in an airplane....PRICELESS
Discover what is extraordinary about life at Bernborough Ascot. 🌞 Come along and enjoy a FREE sumptuous High Tea overlooking Doomben Racecourse. Gain an insight into retirement living and learn more about the stunning north-facing views offered by their spacious and contemporary apartments at this special event. 🏠
🗓️ Wednesday 28 August
⏰ 10am - 12.30pm
💼 Chief De Beers Room, Doomben Racecourse.
🚗 75 Hampden St, Ascot
☕ RSVP Dianne.Dalziel@lendlease.com or call 1800 411 601
Photo 📸 @racecoursevillage
Take advantage of our Tax Incentive Program, which aims to reimburse businesses who are overpaying their taxes. The government has over $1 Billion in tax incentives available, and if we don’t get you any of this money, our services are free!
The house that cheaper than a car! House 🏠VS 🚗.
$28,000 finished house that is move-in ready!! downstairs bedroom!
———— @corehousingsolutions They are definitely one of the best values out there!
Imagine buying your first home without taking out a 30 year mortgage!! No more renting!.
Check out this home and many more at Tiny Living Festival Tennessee // June 1-2 @nissanstadium // #nashvilletn .
Stay tuned by click link in bio👆👆
It's been a week and a half that I have been able to meet #Quebec brokers again. I have been working on #eXpQuebec for a little over a year and it is finally launching this #summer !! 🎉
I am eXcited to do what I love to do!
For me it is all about connecting with the amazing brokers that I meet along the way. To be able to tell them about what I believe is the most Agent-Centric #realestate agency of our time.
Where else can every #broker & team keep their own #brand , enjoy world class live #coaching from wherever they are, receive #RevenueShare , have no desk fees, royalties or franchise fees to pay, have a #retirementplan AND be a #shareholder of "their" real estate agency ?! At eXp agence Immobilière, that's where!! 🎯