Tag Archives: Family

Finance

Bob Jain: 4 Tips For Saving Money At Amusement Parks

It seems like most people take to theme parks during this time of the year. For some reason or another, people are attracted by the likes of roller coasters and Ferris wheels, which means that these parks will gain tremendous traction. For park-goers, though, the idea of saving money might not be as realistic. However, if you follow these 4 methods by Bob Jain, your future trips to parks in the future will be considerably more affordable.

One of the most effective ways to save money at amusement parks, according to companies like Bob Jain CS, is by exhibiting self-control at the onset. Before you even step foot in the park, have a general understanding of what you’d like to spend. Maybe you just want to spend money on a ticket. Perhaps you’re willing to splurge on a snack or two. Regardless, having a general plan in place will go a long way.

If you are planning on eating and drinking in the park, you might already be thinking about bringing in your own food and beverages. While this is a sound concept in theory, you must understand that theme parks have rules regarding this. Many of them don’t allow food and drinks from outside, which means that an understanding of the rules is important. Robert Jain CS will tell you that rules are important, even when talking about money-saving.

What about season passes, which a number of theme parks offer? On the surface, they seem like great measures for saving money. However, this is only true for those who attend parks on a regular basis, such as a few times each year. If you fall into this camp, you’d be wise to invest in a season pass. For those who only enjoy theme parks every couple of years, this might not save you as much money as you think.

Finally, if you really want to save money on future amusement park trips, shop online next time. One of the many reasons why people take to the Internet for shopping is the litany of discounts that can be found. Many of these are attached to amusement parks as well, so take a look at what’s available. Even if it’s only a small discount that you come away with, even the most minimal amount of money saved can make a difference.

Please get in touch with Bobby Jain CS for more financial info from Bobby Jain Credit Suisse.. This article, Bob Jain: 4 Tips For Saving Money At Amusement Parks is available for free reprint.

Finance

Robert Jain: The Do’s & Don’ts Of Holding Garage Sales

Garage sales are great for selling what you don’t need anymore, not to mention make room for new investments. Robert Jain will be able to agree, especially when it comes to the financial gains that can be earned from these events. With that said, did you know that there are right and wrong ways to hold these events? To get the most out of your garage sale as possible, make sure that you follow these do’s and don’ts.

DO cover different areas for ads. One of the many things to know about garage sales is that the best ones are advertised ahead of time. This can be done in a variety of ways, even beyond the placement of physical flyers in your neighborhood. In fact, it would be worthwhile for you to put up ads online, so that more people are aware of your upcoming event. This is just one of the many ways that you can run a more profitable garage sale.

DON’T leave items scattered all around. Organization is another way to help your garage sale further. Instead of keeping your items scattered, make sure that they are organized into different sections. For example, some items might be classified as clothing while others might be better placed under videos. Whatever the case may be, companies such as Robert Jain CS will tell you that organization goes quite a long way.

DO follow rules, such as permits. Depending on where you live, there might be certain rules to follow, as they relate to garage sales. For example, there are states that actually require homeowners to apply for permits prior to starting garage sales. Failure to do so can result in anything from having your event shut down to actually being fined. These are just a few reasons why you must research the rules, as Bob Jain CS will stress.

DON’T come across as cheap. The worst thing that you can do, when it comes to garage sales, is become cheap. You do not want to make any mistakes when pricing items, especially if the prices themselves are seemingly high. One of the ways to work around this is by lowering said prices if need be. You might also want to think about giving away freebies for bigger purchases. These are just a few ways you can avoid becoming cheap at your garage sale.

To learn more about finance from Bobby Jain CS, consult Bob Jain Credit today.. This article, Robert Jain: The Do’s & Don’ts Of Holding Garage Sales is available for free reprint.

Finance

How To Get Ready For Retirement With The Help Of Financial Planners Baltimore

Due to various circumstances, there is an increasing number of people who have to work well past the traditional retirement age. For some, it was because they failed to plan properly for the day they would retire. Others planned properly, but lost a lot of money due to stock market crashes, recessions and other catastrophes. You can avoid this same fate by enlisting the services of financial planners Baltimore.

Most employers offer IRAs or 401K plans to employees, often with a match of the funds. This means that for every dollar you contribute, they will contribute up to a 100 percent match. This is free money, and should definitely be taken advantage of.

Most Baltimore planners will tell you that you should practice something called asset allocation. This basically means moving your money around and investing in several types of programs, rather than just one. This can help you avoid financial catastrophe in case of another recession or crash.

A good professional will explain the wide variety of funds available, such as mutual and index funds, that you can take advantage of. They will also show you why these are good ways to invest, and how much money you can make. Certificates of deposit (CDs), bonds and stocks are other possibilities to discuss.

Early retirement may seem like a pipe dream to some people, but believe it or not, it could be a reality. Depending on your current investments and money situation, a finance pro may be able to map out an advanced plan that will yield high amounts and give you enough to retire early.

An oft overlooked aspect of all this is tax planning. If you own property, even if it’s paid off, you will have to pay taxes. You must have money set aside for this, so ask your planner about it.

Investments can be confusing for most people, but they don’t have to be. Talk to a financial planner to get on the road to retiring today. You may be surprised at how easy it all is when you have a seasoned pro on your side.

Find an overview of the benefits you get when you consult financial planners Baltimore area and more information about an experienced financial adviser at http://www.aspidaadvisory.com now.

Finance

Women Take A Larger Role In Family Finance

A development few have noticed. The recession that started in 2007 quietly brought an economic shift to millions of American families – the woman of the house became the primary wage earner.
In June 2010, Labor Department data showed that nearly 22% of American men aged 25-65 were unemployed. This male population also undoubtedly makes up a big chunk of the underemployed, which includes part-time workers and those who have given up looking for jobs. As of June, 16.6% of Americans were underemployed.1
So in mid-2010, we have a situation where perhaps about 25% of men aged 25-65 cannot find full-time work. (That figure might be higher.) Its also worth noting that layoffs have plagued construction and manufacturing – two sectors of the economy with mostly male employees.
The effects? Women are presently breadwinners in millions of families. When a new breadwinner emerges in a family, you often have some shifts in the familys financial life and financial priorities and objectives can be altered.
As an article on the website of Financial Advisor Magazine noted, some financial consultants are seeing a significant uptick in the number of women asking them for advice.2 When a secondary earner in a family becomes the prime earner, that person usually develops more awareness of the familys financial state and may seek financial advice in a way that the previous breadwinner has not.
In 2010, are women more realistic about retirement? The 2010 Retirement Confidence Survey from the respected Employee Benefit Research Institute (ebri.org) indicates that women are much more realistic (and pragmatic) about their financial readiness for retirement than men. In the 2010 survey, 19% of men said they felt that they would have enough money to live comfortably throughout their retirement years, while only 12% of women taking the survey said so. While 33% of men felt they would have enough money to cover basic retirement expenses, only 25% of women did.3
If you ask many financial consultants, they will tell you that they find women more open to financial education, with fewer entrenched beliefs and presumptions. Women are often quick to realize how much they dont know, how much they can learn, and how much needs to be done. Only 22% of the workers in the 2010 EBRI Retirement Confidence Survey said they had savings or investments of more than $ 100,000, so coming to the realization that you need to do more for retirement is a very good thing.4
Some men have a very subjective take on the financial world and their financial status and potential, whereas women tend to be in search of a candid, objective assessment of what needs to be done and what options are available. With the economy affecting retirement accounts, retirement dreams, and employment, it isnt surprising that high-earning women are taking the lead for millions of families and taking and interpreting all the financial advice they can get.

The Retirement Group educates corporate employees that are transitioning or retiring with Netbenefits.