2013년 11월 30일 토요일

오전 3:35

By Joe Halladay

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About 'debt reduction planner'|Don’t Let Debt Weigh Down Your Retirement







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Ｔｈｅ               ｗｏｒｄ               ｉｓ               ｔｈａｔ               ｗｅ               ａｒｅ               ｈｅａｄｉｎｇ               ｆｏｒ               ａ               ｒｅｃｅｓｓｉｏｎ.

Ｅｖｅｎ               ｔｈｏｓｅ               ｔｈａｔ               ｉｎｓｉｓｔ               ｔｈａｔ               ｗｅ               ａｒｅ               ｎｏｔ               ｈｅａｄｅｄ               ｆｏｒ               ａ               ｒｅｃｅｓｓｉｏｎ               ｓｅｅｍ               ｔｏ               ｆｅｅｌ               ｔｈａｔ               ａ               ｄｒａｍａｔｉｃ               ｓｌｏｗｄｏｗｎ               ｉｎ               ｔｈｅ               ｅｃｏｎｏｍｙ               ｉｓ               ｉｎｅｖｉｔａｂｌｅ.

Ａｎｄ               ａ               ｒｅｃｅｓｓｉｏｎ               ｃａｎ               ｍｅａｎ               ｔｒｏｕｂｌｅ               ｆｏｒ               ｙｏｕｒ               ｐｅｒｓｏｎａｌ               ｆｉｎａｎｃｅｓ,               ａｎｄ               ｆｏｒ               ｙｏｕｒ               ｊｏｂ.

Ｂｕｔ               ｔｈｅｒｅ               ａｒｅ               ｓｏｍｅ               ｔｈｉｎｇｓ               ｙｏｕ               ｃａｎ               ｄｏ               ｎｏｗ               ｔｏ               ｐｒｅｐａｒｅ               ｙｏｕｒｓｅｌｆ               ｆｏｒ               ａ               ｒｅｃｅｓｓｉｏｎ.

Ｇｅｔｔｉｎｇ               ｙｏｕｒ               ｐｅｒｓｏｎａｌ               ｆｉｎａｎｃｅｓ               ｒｅａｄｙ               ｆｏｒ               ａ               ｒｅｃｅｓｓｉｏｎ
               1.

Ｐａｙ               ｄｏｗｎ               ｄｅｂｔ.

Ｉｆ               ｙｏｕ               ｃａｎ               ｍａｎａｇｅ               ｉｔ,               ｐａｙ               ｄｏｗｎ               ｄｅｂｔ.

Ｉｎ               ａ               ｒｅｃｅｓｓｉｏｎ,               ｙｏｕ               ｗａｎｔ               ｔｏ               ｈａｖｅ               ａｓ               ｌｉｔｔｌｅ               ｄｅｂｔ               ａｓ               ｐｏｓｓｉｂｌｅ.

Ａｇｇｒｅｓｓｉｖｅ               ｄｅｂｔ               ｒｅｄｕｃｔｉｏｎ               ｃａｎ               ｂｅ               ａ               ｇｒｅａｔ               ｗａｙ               ｔｏ               ｐａｙ               ｄｏｗｎ               ａ               ｇｒｅａｔ               ｄｅａｌ               ｏｆ               ｄｅｂｔ               ｉｎ               ａ               ｓｈｏｒｔ               ｔｉｍｅ.

Ｄｕｒｉｎｇ               ａｎ               ｅｃｏｎｏｍｉｃ               ｓｌｏｗｄｏｗｎ,               ｉｔ               ｉｓ               ｉｍｐｏｒｔａｎｔ               ｔｏ               ｂｅ               ａｓ               ｆｉｎａｎｃｉａｌｌｙ               ｓｔａｂｌｅ               ａｓ               ｐｏｓｓｉｂｌｅ,               ａｎｄ               ｈａｖｉｎｇ               ａ               ｌｏｔ               ｏｆ               ｄｅｂｔ               ｉｓ               ａ               ｈｉｎｄｒａｎｃｅ               ｔｏ               ｓｔａｂｉｌｉｔｙ.
               2.

Ｓｅｔ               ｍｏｎｅｙ               ａｓｉｄｅ.

Ｉｆ               ｙｏｕ               ａｌｒｅａｄｙ               ｈａｖｅ               ａｎ               ｅｍｅｒｇｅｎｃｙ               ｆｕｎｄ,               ｃｏｎｓｉｄｅｒ               ｓｅｔｔｉｎｇ               ｍｏｒｅ               ｍｏｎｅｙ               ａｓｉｄｅ               ｉｆ               ｙｏｕ               ｃａｎ.

Ｃｕｔ               ｂａｃｋ               ｏｎ               ｕｎｎｅｃｅｓｓａｒｙ               ｅｘｐｅｎｄｉｔｕｒｅｓ               ｉｎ               ｏｒｄｅｒ               ｔｏ               ｐｕｔ               ｍｏｒｅ               ｍｏｎｅｙ               ｉｎ               ａｎ               ｅｍｅｒｇｅｎｃｙ               ｆｕｎｄ.

Ｂｕｉｌｄ               ｕｐ               ｇｒａｄｕａｌｌｙ               ｎｏｗ,               ａｎｄ               ｅｓｐｅｃｉａｌｌｙ               ｗｈｅｎ               ｙｏｕ               ａｒｅ               ｄｏｉｎｇ               ｖｅｒｙ               ｗｅｌｌ,               ａｎｄ               ｉｔ               ｗｉｌｌ               ｂｅ               ｔｈｅｒｅ               ｌａｔｅｒ.
               3.

Ｔｈｉｎｇ               ｌｏｎｇ-ｔｅｒｍ               ｉｎｖｅｓｔｍｅｎｔｓ.

Ｍａｎｙ               ｐｅｏｐｌｅ               ａｒｅ               ｔｅｍｐｔｅｄ               ｔｏ               ｃｏｍｐｌｅｔｅｌｙ               ｂａｉｌ               ｏｎ               ｔｈｅ               ｓｔｏｃｋ               ｍａｒｋｅｔ               ｒｉｇｈｔ               ｎｏｗ.

Ｔｈａｔ               ｍａｙ               ｎｏｔ               ｂｅ               ｔｈｅ               ｂｅｓｔ               ｐｌａｎ.

Ｉｎｓｔｅａｄ,               ｌｏｏｋ               ｆｏｒ               ｃｏｍｐａｎｉｅｓ               ｗｉｔｈ               ｇｏｏｄ               ｆｕｎｄａｍｅｎｔａｌｓ.

Ｍａｎｙ               ｂｌｕｅ-ｃｈｉｐ               ｃｏｍｐａｎｉｅｓ               ａｒｅ               ｓｏｌｉｄ               ａｎｄ               ｌｉｋｅｌｙ               ｔｏ               ｒｅｃｏｖｅｒ.

Ｔｈｅｓｅ               ｒｅｔｕｒｎｓ               ａｒｅｎ'ｔ               "ｓｅｘｙ,"               ｂｕｔ               ｔｈｅｙ               ａｒｅ               ｕｓｕａｌｌｙ               ｓｏｌｉｄ.

Ｙｏｕ               ｈａｖｅ               ｔｏ               ｔｈｉｎｋ               ｌｏｎｇ-ｔｅｒｍ               ａｎｄ               ｒｅａｌｉｚｅ               ｔｈａｔ               ｙｏｕ               ｗｏｎ'ｔ               ｍａｋｅ               ａｎｙ               ｍｏｎｅｙ               ｎｏｗ               ｉｎ               ｔｈｅ               ｓｔｏｃｋ               ｍａｒｋｅｔ.

Ｂｕｔ               ｗｉｔｈ               ｃａｒｅｆｕｌ               ｉｎｖｅｓｔｉｎｇ,               ｙｏｕ               ｃａｎ               "ｂｕｙ               ｌｏｗ"               ｎｏｗ               ａｎｄ               "ｓｅｌｌ               ｈｉｇｈ"               ｌａｔｅｒ.
               4.

Ｃｏｎｓｉｄｅｒ               ｃｏｎｓｕｌｔｉｎｇ               ａ               ｆｉｎａｎｃｉａｌ               ｐｌａｎｎｅｒ.

Ｙｏｕ               ｄｏｎ'ｔ               ｈａｖｅ               ｔｏ               ｄｏ               ｉｔ               ａｌｏｎｅ.

Ｌｏｏｋ               ｆｏｒ               ａ               ｆｅｅ-ｂａｓｅｄ               (ｎｏｔ               ａ               ｃｏｍｍｉｓｓｉｏｎ               ｂａｓｅｄ)               ｆｉｎａｎｃｉａｌ               ｐｌａｎｎｅｒ               ｔｏ               ｈｅｌｐ               ｙｏｕ               ｓｏｒｔ               ｔｈｉｎｇｓ               ｏｕｔ.

Ａ               ｃｏｕｐｌｅ               ｈｕｎｄｒｅｄ               ｄｏｌｌａｒｓ               ｎｏｗ               ｃａｎ               ｈｅｌｐ               ｙｏｕ               ｇｅｔ               ｏｎ               ｔｒａｃｋ               ｆｏｒ               ａ               ｍｕｃｈ               ｂｒｉｇｈｔｅｒ               ｆｕｔｕｒｅ               --               ａｎｄ               ｈｅｌｐ               ｙｏｕ               ｐｒｅｐａｒｅ               ｙｏｕｒ               ｐｅｒｓｏｎａｌ               ｆｉｎａｎｃｅｓ               ｆｏｒ               ａ               ｒｅｃｅｓｓｉｏｎ.
               Ｋｅｅｐｉｎｇ               ｙｏｕｒ               ｊｏｂ               ｄｕｒｉｎｇ               ａ               ｒｅｃｅｓｓｉｏｎ
               Ｉｔ               ｉｓ               ｉｍｐｏｒｔａｎｔ               ｔｏ               ｔａｋｅ               ｓｔｅｐｓ               ｔｏ               ｋｅｅｐ               ｙｏｕｒ               ｊｏｂ               ｄｕｒｉｎｇ               ａｎ               ｅｃｏｎｏｍｉｃ               ｓｌｏｗｄｏｗｎ.

Ｓｏ,               ｆｏｒｇｅｔ               ａｂｏｕｔ               ｔｈｅ               ｒａｉｓｅ               ａｎｄ               ｃｏｎｓｉｄｅｒ               ｗｈａｔ               ｙｏｕ               ｃａｎ               ｄｏ               ｔｏ               ｐｒｏｖｅ               ｙｏｕｒ               ｗｏｒｔｈ               ａｔ               ｗｏｒｋ.
               1.

Ｂｅｃｏｍｅ               ｍｏｒｅ               ｖｉｓｉｂｌｅ               ｉｎ               ａ               ｇｏｏｄ               ｗａｙ.

Ｙｏｕ               ｗａｎｔ               ｔｏ               ｂｅ               ｒｅｃｏｇｎｉｚｅｄ               ｆｏｒ               ｇｏｏｄ               ｅｆｆｏｒｔｓ,               ｅｓｐｅｃｉａｌｌｙ               ｎｏｗ.

Ｙｏｕｒ               ｂｏｓｓｅｓ               ｎｅｅｄ               ｔｏ               ｋｎｏｗ               ｗｈｏ               ｙｏｕ               ａｒｅ,               ａｎｄ               ｗｈｙ               ｙｏｕ               ａｒｅ               ｖａｌｕａｂｌｅ.

Ｇｏ               ｂｅｙｏｎｄ,               ｖｏｌｕｎｔｅｅｒｉｎｇ               ｆｏｒ               ｅｘｔｒａ               ｗｏｒｋ               (ｂｕｔ               ｍａｋｅ               ｓｕｒｅ               ｉｔ               ｉｓ               ｗｏｒｋ               ｙｏｕ               ｃａｎ               ｈａｎｄｌｅ               ａｎｄ               ｄｏ               ａ               ｇｏｏｄ               ｊｏｂ               ｗｉｔｈ).

Ｍａｋｅ               ｓｏｌｉｄ               ｃｏｎｔｒｉｂｕｔｉｏｎｓ               ａｎｄ               ｐｏｌｉｔｅｌｙ               ｍａｋｅ               ｓｕｒｅ               ｙｏｕｒ               ｂｏｓｓ               ｎｏｔｉｃｅｓ               ｗｈａｔ               ｙｏｕ               ａｒｅ               ｄｏｉｎｇ               ｆｏｒ               ｔｈｅ               ｃｏｍｐａｎｙ.
               2.

Ｓｕｇｇｅｓｔ               ｃｏｓｔ-ｃｕｔｔｉｎｇ               ｍｅａｓｕｒｅｓ.

Ｕｓｅ               ｙｏｕｒ               ｃｒｅａｔｉｖｉｔｙ               ｔｏ               ｃｏｍｅ               ｕｐ               ｗｉｔｈ               ｐｒａｃｔｉｃａｌ               ｗａｙｓ               ｔｏ               ｃｕｔ               ｃｏｓｔｓ               ａｎｄ/ｏｒ               ｉｎｃｒｅａｓｅ               ｅｆｆｉｃｉｅｎｃｙ               ａｔ               ｗｏｒｋ.

Ｙｏｕ               ｃａｎ               ａｌｓｏ               ｌｏｏｋ               ｆｏｒ               ｖｉａｂｌｅ               ｒｅｖｅｎｕｅ               ｓｔｒｅａｍｓ               ｔｈａｔ               ｃｏｓｔ               ｌｉｔｔｌｅ               ｔｏ               ｎｏｔｈｉｎｇ               ｔｏ               ｇｅｔ               ｓｔａｒｔｅｄ.

Ｎｏｗ               ｉｓ               ｄｅｆｉｎｉｔｅｌｙ               ｎｏｔ               ｔｈｅ               ｔｉｍｅ               ｆｏｒ               ｇｒａｎｄ               ｓｃｈｅｍｅｓ               ｏｒ               ａｓｋｉｎｇ               ｆｏｒ               ａ               ｒａｉｓｅ.

Ｉｔ               ｉｓ               ｔｉｍｅ               ｔｏ               ｓｈｏｗ               ｙｏｕｒ               ｒｅｓｏｕｒｃｅｆｕｌｎｅｓｓ               ａｎｄ               ａｄａｐｔａｂｉｌｉｔｙ.
               3.

Ｂｏｏｓｔ               ｙｏｕｒ               ｓｋｉｌｌｓ.

Ｔａｋｅ               ａ               ｔｒａｉｎｉｎｇ               ｃｌａｓｓ               ｏｒ               ｓｅｍｉｎａｒ               (ｏｎ               ｙｏｕｒ               ｏｗｎ               ｔｉｍｅ               ｉｆ               ｉｔ               ｉｓ               ｎｏｔ               ｏｆｆｅｒｅｄ               ａｔ               ｗｏｒｋ)               ｔｏ               ｉｍｐｒｏｖｅ               ｙｏｕｒ               ｓｋｉｌｌｓ.

Ｙｏｕ               ｗａｎｔ               ｔｏ               ｓｔａｙ               ｕｐ-ｔｏ-ｄａｔｅ               ｗｉｔｈ               ｗｈａｔ'ｓ               ｈａｐｐｅｎｉｎｇ               ｉｎ               ｙｏｕｒ               ｆｉｅｌｄ.

Ｙｏｕ               ａｌｓｏ               ｗａｎｔ               ｔｏ               ｒｅｍａｉｎ               ｒｅｌｅｖａｎｔ.

Ｍａｋｅ               ｓｕｒｅ               ｔｈａｔ               ｙｏｕ               ｈａｖｅ               ｔｈｅ               ｎｅｃｅｓｓａｒｙ               ｓｋｉｌｌｓ               ｔｏ               ｄｏ               ｙｏｕｒ               ｊｏｂ               ｗｅｌｌ.
               4.

Ｈａｖｅ               ａ               ｇｏｏｄ               ａｔｔｉｔｕｄｅ.

Ｅｖｅｎ               ｔｈｏｕｇｈ               ｔｉｍｅｓ               ａｒｅ               ｔｏｕｇｈ,               ｙｏｕ               ｓｈｏｕｌｄ               ｒｅｆｒａｉｎ               ｆｒｏｍ               ｇｒｕｍｂｌｉｎｇ               ａｂｏｕｔ               ｉｔ.

Ｍｏｒａｌｅ-ｋｉｌｌｅｒｓ               ａｒｅ               ｏｆｔｅｎ               ｌｅｔ               ｇｏ               ｌｏｎｇ               ｂｅｆｏｒｅ               ｔｈｏｓｅ               ｗｉｔｈ               ｇｏｏｄ               ａｔｔｉｔｕｄｅｓ.

Ｏｆｆｅｒ               ｃｏｎｓｔｒｕｃｔｉｖｅ               ｉｄｅａｓ               ｆｏｒ               ｉｍｐｒｏｖｅｍｅｎｔ,               ｂｕｔ               ｄｏｎ'ｔ               ｗｈｉｎｅ               ａｎｄ               ｃｏｍｐｌａｉｎ.






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    7. robertwelsch.wordpress.com/   04/18/2011
      ...wealth, not reducing debt, should be your ultimate objective. Some debt reduction and debt consolidation planners obsess on getting you out of debt, but that is only half...
    8. cvilletomorrow.typepad.com/   01/14/2009
      ...of borrowing in order to maintain even the reductions. He recommended changing the County’s debt policy to encourage projects that can leverage...
    9. everythingwilma.wordpress.com/   01/09/2010
      .... In general, we must become better “financial” planners and begin to stop thinking of debt as the first solution to our problems. If our debt situation...
    10. thelundletters.blogspot.com/   07/27/2008
      ... a very common debt reduction plan – and one that ...He calls it a “debt snowball”, and says...financial planning, financial planners said you should make...



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