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13.03.2014 admin
Learn about recent research about how the mind can influence the behavior of subatomic particles and physical matter. Working with our thoughts consciously allows our awareness and experience of life to unfold its potential.
Our past is but a memory and the future is in our imagination, right now in the present moment is our true point of power. There are a variety of strategies when it comes to determining how much money you need to save for retirement. While this article is by no means definitive, I wanted to offer a little bit of guidance on some basic concepts and strategies in determining how much money you’ll need to save for retirement. Disclaimer: As each individual personal finance circumstance is different, you should always seek the advice of a professional financial counselor or planner for help in planning your retirement needs. Before going any further in calculating our retirement savings goal example, let’s first look at some of the variables that affect the level of retirement savings you may need to maintain your desired retirement standard of living. Life Expectancy: Unless you plan on saving enough money in your retirement portfolio so that you can live off the interest alone (a perpetuity), you must carefully consider your life expectancy when setting a target retirement savings goal.


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The challenge is in harnessing our ever shifting perspectives so that we can focus upon the thoughts that can make a positive difference. Joseph Murphy's book on the power of the Subconscious Mind is a practical guide to understand and learn to use the incredible powers you possess within you. After drafting a rough budget of your expected retirement living expenses, you realize you’ll need an additional income of approximately $2,000 per month (in addition to any pension, Social Security, or other retirement income) to maintain your desired standard of living. In your retirement years, you must adjust your lifestyle and living expenses by how much you’ve saved (as well as other sources of retirement income). In fact, personal finance guru’s suggest using an inflation rate of at least 3% when calculating how much money you need to retire. As I mentioned in a previous article about the US Government’s Debt Rating, the riskier the investment, the higher the expected investment return. For example, let’s say you reached retirement age today and had $1,000,000 in your retirment savigns account(all other factors remained the same).


My helpful Excel budgeting sheets can help you in determining the amount of money you may need each month to retire comfortably. Unfortunately, your retirement years are not the time to make risky bets with your investments due to the shortened duration you may have to recover from any devastating losses (market crashes, housing slumps, etc.).
To calculate how much you can spend each year simply divide $1,000,000 by the same annuity factor calculated above and you will find out how much money you can take out of your retirement account each of the 33 (projected) years of your retirement.
This is why most investment gurus recommend that retirees (and individuals and couples retirement) invest the majority of their money in investment grade bonds (with a smaller percentage in stocks).




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Rubric: Think Positive And Good Things Happen



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