Wednesday, April 29, 2009

Money and Your Financial Future

Hi, my name is Dr. Raymond Jewell I am an Economic Advisor and have been working with clients for thirty years. I am here to tell you that you don't have to be losing hard earned money to the inefficiencies of the financial institutions, financial planners or many accountants! You can recover these lost dollars and I will tell you how in my internationally acclaimed tele seminars. If you are interested in turning your financial life around and growing wealth during this economic downturn then you will want to take advantage of our "Money Tele Seminars". We are not financial planners we are economist and view the financial world from an economics perspective.
 
We work with clients all over the world and teach them how to recover lost dollars and put them to growth, with no out of pocket cost. Our process will analyze your financial life and show you where you are making financial mistakes and how to correct them. It's kind of like a "financial crystal ball" enabling you to see your financial mistakes before you make them, then you can fix them, so you don't end up later in life losing what you have worked so hard for.
 
In our world today it is not necessary to make large sums of money to become wealthy all you have to do is change your mindset. "If ten percent of the people in the world control ninety percent of the world's wealth then this proves that the financial planners, financial institutions, and many accountants are wrong otherwise the ninety percent would control the wealth and they don't." I teach you how to think like the "ten percent" and uncover all your financial inefficiencies and put them to growth. You see it's all about efficiency and keeping what you earn, not investing in financial products. To many times people think that they have to be putting their money in financial products and end up losing what the put away, but this doesn't have to happen. You can grow your wealth and enjoy your wealth with ease through our economic process.
 
Let me ask you as simple question! If you were playing in the World Series and had a choice of using Babe Ruth's bat of having his ability, which would you chose? If your answer was his ability you are right. With his ability you can use any bat and hit a home run. The financial world is no different, the focus is not on products but process. The bat is a product the ability is the process. I teach you the process then you can easily find the product. But to focus on buying a product first will put you in a position to lose every time. The financial planners and financial institutions focus on product first because that is where they are getting paid. I focus on process, then uncover money that you are losing and recover it and put it to growth.
Financial products are only a focus after I have taught you how to recover your financial inefficiencies and put them to growth. Everyone has loses that they either know about but don't know how to recover them, or they don't know they are losing them at all. In thirty years I haven't found anyone who is not losing money to the financial institutions no matter what their income is.
 
This process has been used by businesses to remain efficient for years and economist have been building economic simulators to show high net worth individuals how to recover lost wealth, and now you can take advantage of what the super wealthy already know. You will be able to see first hand where financial planning and information from the financial institutions breaks down. You will see the flaws that cause people to lose and the financial institutions to win.
 
It will be necessary for you to pre-register for this Money Teleseminars Symposium here:  http://www.moneyteleseminars.com
 

 

Friday, April 24, 2009

Financial Institutions

Learn more about financial institutions, government, the economy, wealth recovery, wealth creation and all areas of business and finance from The Financial Heretic.
 
 
 

Financial Resources

Financial Resources Aid Consumers Facing Down Turns in the Present Economy
 
Have you lost money in the last 10 years due to financial institutions, government intervention and other problems that you thought were out of your control? Dr. Raymond Jewell offers solutions to the tough money questions people are asking.
 
FOR IMMEDIATE RELEASE
 
PRLog (Press Release)
 
Apr 24, 2009
 
The trends towards the economy not being as it should be, are leading people around the world to ask the question:  "Is there an answer to my financial situation?"  Dr. Raymond Jewell, the esteemed Senior Economist, has been assisting top level organizations and clients with their money for over 30 years.  This has led him to become in the top 1% of business economist in the world.  His hard hitting style of "telling it like it is" in regards to finances, financial institutions and government, lead people on a new path in regards to their current financial plight.  Losing money is not the full issue.  Continuing to lose money is the point.
 
 
MoneyTeleSeminars.com is designed to answer the money issues that everyone is facing in this country.  There will be no prisoners taken, nor stones left unturned in this insightful and thought provoking symposium scheduled for May 2, 2009 @ 10 am EST.  Access to this symposium can only be gained by visiting the site listed above, and registering for the event.
 
This event will be available right on the pc, or by a seamless phone bridge as well.  This will make it appealing for everyone to come and listen to Dr. Jewell, inspire people to learn more about their money than they have ever known before.
 
To get a clearer picture of who Dr. Raymond Jewell is, one can listen to the recordings of his Financial Freedom Radio show from the link listed below.
 
 
After listening, the person will begin to understand why Dr. Jewell is known as "The Financial Heretic."  His comments and creative insights into the world of finances, money, wealth recovery and wealth creation are a legend in the business world.
 
To repeat, the only way to attend this MoneyTeleSeminars.com symposium is to pre-register on this site.  http://www.moneyteleseminars.com  Other valuable information, newsletters and comments will be found by exploring the site fully.  Once the Google reader understand the significance of this seminar, there will be no reason not to attend the symposium.
 
Statistics show that most people are losing between 10%-20% or more of their gross income or revenue to financial inefficiencies and they don't know it. If you would like to recover these lost dollars.
 
 
 
Issued By  : Dr. Raymond Jewell-Senior Economist-The Financial Heretic
Country  : United States
Categories  : Finance, Business, Economy, Government, Financial Institutions
Tags  : financial resources, financial institutions, the struggling economy, moneyteleseminars com, dr raymond jewell
Last Updated  : Apr 24, 2009
Shortcut  : http://www.prlog.org/10223983

Tuesday, April 21, 2009

Dr. Raymond Jewell-MoneyTeleSeminars.com

 
Dr. Raymond Jewell Talks About MoneyTeleseminars.com
 
Dr. Raymond Jewell, the esteemed Senior Economist, talks about his new MoneyTeleSeminars.com program that is scheduled to launch May 2, 2009 @ 10 am est.  To become part of this history making live money talks event, it will be necessary to register here:  http://moneyteleseminars.com
 
You owe this to your financial future, as Dr. Jewell, will unlock the mystery of wealth recovery, and teach you how to become more stable in all your financial transactions.
 
To learn more about what the financial institutions do not want you to know, tune in to Dr. Jewell's Financial Freedom Radio show each and every Friday morning.  http://financialfreedomradio.info 

Sunday, April 19, 2009

The Financial Heretic

What is a Financial Heretic?

Heresy is an introduced change to some system of belief, especially a religion, that conflicts with the previously established canon of that belief.  The study of heresy is heresiology. The founder or leader of a heretical movement is called a heresiarch. One who espouses heresy is called a heretic.

To say the least, Dr. Raymond Jewell is known as The Financial Heretic.  His hard hitting approach to finances, financial institutions, money, wealth recovery and wealth creation are known the world over.  Raymond Jewell has been helping others in managing their finances for over 30 years.  His expertise in business, finance and business plans are known to be in the top 1% of his chosen field.  He takes no prisoners in the area of wealth, and more importantly, how to safeguard the wealth that one creates.

The positive connotation of being a Financial Heretic is noteworthy in this day and age when the financial institutions of this country have the people in a severe stranglehold.  Dr. Jewell offers a workaround to this modern day slavery.  He is putting together MoneyTeleSeminars.com where he will be unlocking the mystery surrounding wealth recovery and wealth creation.

The MoneyTeleSeminars.com program is slated for May 2, 2009 at 10 AM EST.  One can attend these sessions ONLY by registering at this site:  http://www.moneyteleseminars.com  Listen closely to the audios as The Financial Heretic tells the truth for a change about money and finance.

Also, attending the weekly radio shows found here:  http://financialfreedomradio.info will enlighten and motivate listeners to learn more about the processes involved with their money.  These sessions should be bookmarked, as they will begin the education process into the world of modern day finances.

The Financial Heretic

The financial heretic thinks outside the box concerning wealth, debt, finances and literally any subject dealing with finances.  A straight in the face view of the financial world as it really is, not what THEY want you to know!  Wondering what heresy really means?  Read on...
 
Today, heresy can be without a religious context as the holding of ideas that are in fundamental disagreement with the status quo in any practice and branch of knowledge. Religion is not a necessary component of the term's definition. The revisionist paleontologist Robert T. Bakker, who published his findings as The Dinosaur Heresies, jokingly treated the mainstream view of dinosaurs as dogma.
 
The term heresy is also used as an ideological pigeonhole for contemporary writers because by definition heresy depends on contrasts with an established orthodoxy. For example, the tongue-in-cheek contemporary usage of heresy, such as to categorize a "Wall Street heresy" or a "Republican heresy", are metaphors which invariably retain a subtext that links orthodoxies in geology or biology or any other field to religion. These expanded metaphoric senses allude to both the difference between the person's views and the mainstream, and the boldness of such a person in propounding these views.
 
On September 28, 2007, Gaston Hebert, the diocese administrator (per the July 11 Congregation for the Doctrine of the Faith) stated that 6 Arkansas nuns were excommunicated for heresy (the first in the diocese's 165-year history). They refused to recant the doctrines of the Community of the Lady of All Nations (Army of Mary). The 6 nuns are members of the Good Shepherd Monastery of Our Lady of Charity and Refuge in Hot Springs. Sister Mary Theresa Dionne, 82, one of 6, said they will still live at the convent property, which they own. The sect believe that its 86-year-old founder, Marie Paule Giguere, is the reincarnation of the Virgin Mary.
 
The book of Hebrews in the Holy Bible is fundamentally opposed to heresy. Meant to establish a new priestly order after Melchizedek. In honor of the prophet Aaron, who is mentioned in this book as a man who wished to be a priest. At least one rendering of Hebrews dignifies followers of Moses, his brother Aaron; hold fast their beliefs.
 
Find out more from The Financial Heretic here:  http://financialheretic.net/
 
If you need straight talk, with no punches pulled concerning your money, then you need MoneyTeleseminars.com
 
Register for the May 2, 2009 event here:  http://moneyteleseminars.com

Have You Lost Money in the Last 10 Years?

Dr. Raymond Jewell Asks the Question, "Have You Lost Money in the Last 10 Years?"
 
Dr. Jewell, the famed senior economist, is known for his direct response to the financial institutions of this country. In his radio show Financial Freedom Radio, he hits the mark on wealth creation, wealth recovery and money how to resolves.
 
FOR IMMEDIATE RELEASE
 
PRLog (Press Release)
 
Apr 20, 2009
 
The upcoming Money Teleseminars, scheduled for May 2, 2009 @ 10 AM EST, will be seen as the answer to the problems of the economic downtrends that all Americans are facing with the present administration.  Dr. Jewell will speak directly to the financial institutions that govern business and economy, and will tell the truth about wealth recovery, and wealth creation in this current economy.
 
The MoneyTeleseminars.com site will inform Google readers in money how to issues that everyone currently faces.  Dr. Jewell knows that education in the area of finances is the key to growth and sustained success for the long term.  Often people do not realize their potential with money.  Many are feeling the debt and home mortgage crunch, due to a large degree of the major financial institutions of this country.  Its time that the truth be told, and Dr. Jewell will tell the listeners of the MoneyTeleseminars.com of the endless possibilities of wealth creation and wealth recovery as well.
 
It will be necessary to go to this site and register:  http://moneyteleseminars.com
 
Mark the calendars once again for the May 2, 2009 symposium that is available to people around the globe right from the comfort and privacy of home or office.
 
Make plans to attend the MoneyTeleseminars.com symposium, and tune into the Friday Morning Radio show found here:  http://financialfreedomradio.info
 
Statistics show that most people are losing between 10%-20% or more of their gross income or revenue to financial inefficiencies and they don't know it. If you would like to recover these lost dollars.  Dr. Raymond Jewell is fully dedicated to providing invaluable information to anyone.
 
 
 
Issued By  : Dr. Raymond Jewell-Senior Economist
Country  : United States
Categories  : Business, Finance
Tags  : have you lost money in the last ten years, Money, finances, money talks, wealth creation, dr raymond jewell
Last Updated  : Apr 20, 2009
Shortcut  : http://www.prlog.org/10220261

Friday, April 17, 2009

Financial Planning/Financial Planners

Financial Planning Simply Does Not Work!

Have you ever heard of "Cognitive Dissonance"? This is where the individual has to make a choice between something attractive and something that is not. Marketers understand this and create programs and marketing plans that satisfy this dilemma in people's minds.

If you knowingly promise something that you can't deliver, just to persuade someone to choose you over another, you are nothing short of a conman. So many times people are given bad information, and are persuaded to leave something that they thought to be good for another program that is really not good but promises to be better than their original selection. They are being persuaded to switch their thinking through cognitive dissonance to what they think is better.

The financial sales people do this all the time, knowing that what they are promising is not exact or truthful. The information that they share with their clients is not verifiable for truth, as we have just seen in the recent economic downturn when people lost huge sums of money. Had people had verifiable information they would not have lost money, and would had realized that what they were being promised would not happen.

Wealth creation is different than cash creation and demands verification as to truthfulness. It requires that a process be the main focal point and not a product. It demands that the client understand fully what the pros and cons are in what they are doing.

All of this is achieved through economic simulation, which means being able to see everything through an economic simulator. Being able to see the future before it happens and understanding where the flaws are. Looking at the financial world through a whole different paradigm and fixing the problems before they happen. If people used an economic simulator they would have exposed the Madoff ponzie scheme, but instead they ended up listening to information that was opinion driven and not factual.

Listening to bad information is not relegated to just lower income people, we saw it happen to wealthy people because greed over rode the 'cognitive dissonance" selection process. Now you might be saying that "This does not apply to me, to which I would reply, ok you might be right." But if you don't want to lose you will want to see it first before you do it. This is the only logical position to take and if you follow your gut feeling you will see that I am right.

If you want to learn more come to our tele seminar at www.MoneyTeleSeminars.com and sign up for a 2-hour TeleSeminar where you can learn all about looking at the financial world in an economic light. You will be glad you came.

Thanks for reading

Dr. Raymond Jewell, Senior Economist

www.FinancialFreedomRadio.info

Money and You

Trying to figure out what happened to all your money?
 

Wednesday, April 15, 2009

Recovering Finances

"Hi my name is Butch Hamilton, SEO Master and I want to welcome you to MoneyTeleSeminars.com "Wealth Recovery TeleSeminar..." I am endorsing this program because I feel that everyone needs to understand how to win in a financial environment where the cards are stacked against them."
 
Have you lost money over the last decade to the financial system?
 
Statistics show that most people are losing between 10%-20% or more of their gross income or revenue to financial inefficiencies and they don't know it. If you would like to recover these lost dollars and put them to growth then I encourage you to sign up for my "Wealth Recovery" TeleSeminars.
 
This is the fastest and most economical way to...
 
• Learn how the financial institutions take advantage of you and how to stop it.
 

•  Learn insights that the financial institutions and financial planners won't tell you.
 

•  Understand the 4 Laws of Financial Institutions.
 

•  Learn how to recover lost dollars that the system takes from you.
 

• Learn how your losses can translate into millions of dollars over your life time.
 

•  Learn how to put those lost dollars into your pocket.
 
Be sure to listen to the audios on this site, and become part of MoneyTeleSeminars.com
 
 
 
 

Wealth Recovery

 

Wealth Recovery Program

Have you lost money in the last 10 years? Do you know all that there is to know about money, financial institutions, and how they hold you hostage with your money? You owe the MoneyTalksSeminar.com program, due to air May 2, 2009 at 10 am EST, to come and listen to the world renowned Dr. Raymond Jewell talk about finances and how you can learn to recover your wealth.

Dr. Raymond Jewell has been in business economics field for over 30 years. His expertise in money, money management, wealth recovery and all the areas concerning finances, is extraordinary. He is launching this new wealth recovery program that will empower average people to not only become educated in the money process, but also insider secrets on how to keep the money they creaste.

Its a fact that in today's dwindling economy, we all face issues in dealing with ouir money more effectively. We have tough choices to make when considering the moves that we should be taking. We could choose to let the government and financial institutions to tell us what to do, or we can become educated in the process, so that we know how to protect our money and finances for the long term.


Joining the MoneyTeleseminars.com worldwide symposium, will become your stepping stone into education, enlightenment and an overall perspective on how to make money money, and how to keep the money that you are now making. Dr. Jewell is known for his direct and meaningful approach to business, and is able to convey this type of knowledge into simple terms that anyone can understand.

The appeal of Dr. Jewell, AKA The Financial Heretic, is the fact that he takes no prisoners when talking about the finanical institutions of this country. He will lead you to begin to think in an entirely different way about your finances, and how you can protect those finances for the long term.


To signup for MoneyTeleseminars.com, simply click on the link below. The price is incredibly inexpensive for the knowledge and insight that you will dervie from it.


Click here to visit Highview Management Ltd website!


For More Information:  http://wealthrecoveryprogram.butch-hamilton.com

Friday, April 10, 2009

Financial Planning Does NOT Work!

Over the years financial planners have been sitting in front of clients showing them spreadsheets and ledgers about numbers. Over the years the numbers never happen! Why? Because it is only opinion instead of fact. This is one reason why financial planning does not and will not work.

There is no method of verification or showing that what is being said is truth. No wonder people are failing and outliving their money. You see, money is not math and math is not money. There are to many other variables to consider, but not for the financial planners of the world, they use math and assume that their opinions will work. Folks this is called gambling and why would you gamble with your hard earned dollars?

Unless you have a method of verifying whether what is being told to you is truth or not, you will always lose. When you get someone's opinion you are being set up for failure or allowing your self to be set up for failure. Whenever anyone's whole financial world is structured around financial markets there will be failure simply because of the cycles that the financial markets go through.

When times are great people think they are financial geniuses, but when times get tough and markets drop people blame others when in fact it's really your fault. Yes if you lost large chunks of money you are the one to blame simply because the buck stops at you. So why wouldn't you take the time to learn how to do it right.

It doesn't have to be that way! You can learn how to eliminate the financial ups and downs simply by thinking differently and looking at the financial world differently. We are offering a tele seminar on "Wealth Recovery" where you will learn how to look at the financial institutions in whole different light. You will be able to see how to win in down markets and verify everything that you do for truth, and not have to listen to some financial planner's opinion.

To take advantage of the seminar go to www.MoneyTeleSeminars.com and sign up for the 'Wealth Recovery" tele seminar and learn how to think like a financial institution.

To understand your financial world in the most efficient way you must look at everything in an economic model and be able to see your financial mistakes before you make them. When you can see your mistakes ahead of time you can fix them and avoid costly financial losses. When you come to the tele seminar you will learn how to look for an advisor who has a macro economic perspective and not a micro financial planning perspective.

If you are reading this article as a result of getting our Money Talks Newsletter then pass it on to  a friend so then can learn how to win. They would appreciate it and so would I. Our goal is to reach 1,000,000 people and teach them how to look at their financial world through a macro economic grid and be able to see their mistakes before they happen and need your help. If you haven't signed up for the tele seminar then I have a gift for you. I will give it to you for free all you have to do is go to the link below and sign up but there is one catch, you have to bring a friend. Give the link to a friend.  

If you alredy paid for the tele seminar you will get an additional 1/2/ hour so in total you will have a full hour to go over your economic information. Your one-on-one meeting will be on-line with me where you will be able to see the economic simulator in action. You will have one full hour to ask as many questions as you wish, with no obligation. 

Here is the "bring a friend" link. We can handle 2000 people listening live from the website so   click here.

Thanks for reading

Dr. Raymond Jewell, Senior Economist

www.FinancialFreedomRadio.info

Tuesday, April 7, 2009

Dr. Raymond Jewell Offers Money Talks Symposium

Dr. Raymond Jewell Offers Money Talks Symposium
 
On May 2, 2009 @10 am est, Dr. Raymond Jewell, the noted senior business economist, will be holding a money talks symposium. This insighful teleconferecing session will unlock the mysteries of wealth recovery and finances.  The Financial Heretic takes no prisoners when it comes to money and business.
 
FOR IMMEDIATE RELEASE
 
PRLog (Press Release)
 
Apr 07, 2009
 
Dr. Raymond Jewell has been advising high level income earners in the best ways to utilize their finances, wealth recovery, wealth creation and all facets of money, for over thirty years.  His business expertise is legendary.  MoneyTeleSeminars.com is now being offered to the readers of Google, at a mere fraction of the cost that he usually charges for business consulting.  Anyone interested in learning more about how the financial institutions control wealth, should attend this one of a kind symposium.
 
Unlocking the mystery of money will mean increased financial independence.  Money education is critical in today's dwindling economy.  This symposium has already drawn a large amount of people who are searching for answers to the tough questions of money, finances, financial institutions, and how they hold hostage, average people who are struggling to earn a living.
 
Dr. Jewell, also known as The Financial Heretic, produces an insightful radio show called Financial Freedom Radio.  Listeners who attend these shows, get hard hitting commentaries and facts concerning the economy today, and how to leverage more effectively, their money for the future.
 
MoneyTeleSeminars is quickly filling up the seating capacity, so it will be necessary to pre-register for the early May event.  Pre-registration is available in the link provided below.
 
 
This symposium will be available by web conferencing and also phone conferencing services as well.  This makes the symposium available to literally anyone who has a keen interest in saving money, and protecting the money that they now have.   There are extra benefits for pre-registration as well.  The highly regarded Money Talks Newsletter is available on the site, where Dr. Jewell gives his insights, perspectives, commentaries and overall views of the financial situation that affect all people in this country, and the global view of economy as well.
 
To gain more insights from The Financial Heretic, Dr. Jewell invites all people to tune in to Financial Freedom Radio here:  http://financialfreedomradio.info  His no-nonsense approach to the financial institutions is both entertaining and enlightening as well.
 
Statistics show that most people are losing between 10%-20% or more of their gross income or revenue to financial inefficiencies and they don't know it. If you would like to recover these lost dollars.
 
 
Issued By  : Dr. Raymond Jewell-Senior Economist 
Country  : United States
Categories  : Business, Event, Finance
Tags  : dr raymond jewell, money talks, moneyteleseminars com, Money, finances, wealth recovery
Last Updated  : Apr 07, 2009
Shortcut  : http://www.prlog.org/10212979

Do You Have Enough Money to Retire?

Do you have enough to retire?
 
Not sure where to invest or if you have enough to retire? Maybe it's time to come up with a game plan.
 
By Walter Updegrave, Money Magazine senior editor
 
April 7, 2009: 4:39 AM ET
 
"NEW YORK (Money) -- Question: My wife and I hope to retire in five to seven years, but our retirement accounts got clobbered recently. We now have approximately $180,000 in cash that we need a game plan for. Can you help? --Pat C., York, Pennsylvania
 
Answer: You're not alone. Unfortunately, there are a lot of people in your position - that is, people nearing the end of their careers who have suddenly seen the value of their nest egg plummet.
 
But your instinct to come up with a game plan is absolutely right on. And, in fact, the sooner you start, the more likely you'll be able to make adjustments that can improve your retirement prospects.
 
Before we begin talking specifics, however, you should know that you're dealing with more than an investing issue. In light of the events of the past year, you really have to re-assess your retirement readiness overall.
 
0:00 /4:54Investing for long-term growth
 
Your starting point is to gauge whether your current plan to retire in five to seven years still makes sense given the recent setbacks in the financial markets. Whether you're still on track will depend on a number of factors: how much your retirement balances have dropped, how strongly and quickly the markets recover, how much income you'll need in retirement and what resources, aside from your savings, you'll have to draw on.
 
How much you'll need
 
So the first thing you want to do is get an idea of where you stand now. The two main questions you must answer: How much income will you need to live the type of lifestyle you envision in retirement? And how much income can you reasonably expect from Social Security, a pension (if any), and withdrawals from the savings you'll likely have at retirement?
 
Early in the retirement-planning process, many people simply assume they'll require a certain percentage of pre-retirement salary, usually 70% to 90%. But it can be dangerous to rely on such a rule of thumb when you're within a decade or so of retirement.
 
Instead, when you're this close to calling it a career, you want to create a retirement spending budget. It doesn't have to be accurate down to the penny, and you can always revise it. But it should be an attempt to arrive at a realistic estimate of how much you'll need once you retire.
 
You can do this with a pencil and pad, but you'll arrive at a more accurate estimate - and have an easier time making revisions - if you use budgeting software or an online tool. For example, the budgeting worksheet that's part of Fidelity's Retirement Income Planner has room for 49 different expense items, and it also allows you to factor in different inflation rates for different expenses if you wish.
 
How much you'll get
 
Next, see how much income you can reasonably count on. To see what sort of Social Security benefit you might get, you can check out Social Security's Retirement Estimator.
 
If you've got a traditional check-a-month pension coming, your HR department should be able to give you a figure. For a sense of how much you might withdraw from your retirement savings each year, you can go to a tool like T. Rowe Price's Retirement Income Calculator.
 
If you enter the information about your various sources of income and then plug in your expected annual expenses, this calculator will estimate your chances of collecting the amount of income you need to cover your outlays. It will also recommend a level of spending that has an 80% chance of lasting until age 95.
 
If the amount of income your resources can likely generate is less than the amount you would like, you have a couple of choices. If the gap isn't too large, you may be able to pare your spending a bit or increase income by seeking part-time work.
 
If the shortfall is large, you can always postpone retirement a few years. That tactic has several advantages. It will give your nest egg more time to recover, allow you more time to save and, by collecting at a more advanced age, give you a larger Social Security benefit.
 
How to invest
 
Now let's talk about how to invest that $180,000. Unless your income needs in retirement are very modest or you have lots of other resources, I doubt that keeping your stash in cash is going to throw off enough income for you.
 
That said, I can't give you a list of investments or recommend an exact asset mix. The right mix of stocks and bonds as well as the specific mutual funds that are right for you depends on too many factors: how much income you've got to generate, how much risk you're willing to take, whether or not you have a pension, etc.
 
But when you rev up tools like the two I've mentioned, you typically must plug in an asset mix to generate projections. So by trying several different mixes, you can compare the results and see which gives you the best shot at getting the income you require.
 
Remember, though, these tools give estimates, not ironclad guarantees. So I'd avoid going with an extreme investment allocation - i.e., nearly all cash or nearly all stock. As a general rule, people in their early 60s should probably have somewhere between 50% and 60% of their retirement savings in stocks, although, again that's a general range.
 
If you go through this process, you should come away with a decent sense of whether your plan to retire in five to seven years is still viable and, if so, how to boost the odds of achieving this goal. If this analysis suggests your retirement target date is unrealistic, then at least you'll be able to see how different ways of revising your plans affect your retirement prospects.
 
One final note: This sort of assessment isn't something you do once and then forget about until you're ready to leave your job. Ideally, you should re-run the numbers every year or so to make sure you're making progress toward retirement.
 
So give yourself the kind of retirement check-up I've outlined here as soon as possible. Because unless you do, you won't really know whether your plan to retire in five to seven years is still realistic, nor will you know what game plan you should follow to tilt the odds of achieving that goal in your favor."
 
In this article, the subject of retirement is clearly answered.  Have you thought about your financial future?  Dr. Raymond Jewell, Senior Economist, is offering the MoneyTeleseminars.com symposium, that will empower you to unlock the mysteries of your money, wealth recovery and how to create wealth.  His insights have led many down the right path to financial freedom.  You owe coming to the MoneyTeleseminars.com for your financial future.
 
Butch Hamilton-SEO
1-800-507-1945 EXT 5

Monday, April 6, 2009

The Financial Heretic

State of the art Financial Heretic Social Network...
 

The Financial Heretic Social Network will provide innovative systems to enable subscribers globally to understand the financial world like never before. You will have access to tools that will enable you to market and navigate financial worlds and share with others. This network will bring people in very influential positions together with others not so influential, to exchange heretical financial insights.
 

Please bookmark this page and return to it often. Hopefully we will get this launched by the end of summer 2009. But you know how development goes, it seems that time tables are usually only just time tables but our deadline is our focus.
 

We are working very hard to make it totally different from your usual social network otherwise what is the point!
 

As far as we know there is no other financial social network around that is dedicated solely to financial and business systems. The tools you will get will blow your mind! We will begin to post new benefits and features as we debug them...
 

Then we will finally roll it out for you.
 

So stay tuned...
 

The Development Staff

Friday, April 3, 2009

Money Talks Newsletter

 

 
Money Talks Newsletter
 
 

"Are you better off today then you were ten years ago?"
 

We all know the answer to this question don't we? Many people are downright angry about what has happened over the last several years but don't know what to do, or where to turn. The reason why many people have lost is because they listened to bad advice. We have all seen that the financial system, over the years, has let the public down but because of the financial institutions ability to spend large sums of money on advertising they have convinced the public that they have the right answer. Even though people have lost huge sums of money the financial institutions and financial planners are still sticking with their mantra that they are the answer.
 

No longer do you have to guess, going forward in the future. We have been using our economic simulators to help clients over the years see their mistakes before they are made and now you can to. When you take advantage of our economic simulation process you will see the mistakes before they are made then you can fix them. You no longer have to live through financial tough times, you will see them coming ahead of time and eliminate them. If you have no mistakes then you will at least have verification that you are doing things right.
 

If you would like to learn how the financial institutions take advantage of you then you should come to our MoneyTeleSeminars.com "Wealth Recovery" TeleSeminar. You will learn terminology that will enable you to look at the financial institutions the way the wealthy do. If ten percent of the people control ninety percent of the worlds wealth they this proves that the financial institutions, financial planners, and many accountants are wrong otherwise the ninety percent would control the wealth and they don't." So doesn't it make sense to do what the ten percent do?
 

Go to www.MoneyTeleSeminars.com and sign up for the next teleseminar.
 

Dr. Raymond Jewell, Economic Advisor
www.FinancialFreedomRadio.info

Money Talks


Market Scan
 
U.S. Jobless Rate Soars To 8.5%
Maurna Desmond, 04.03.09, 09:30 AM EDT
 
More than 660,000 jobs were shed in March as unemployment figures hit 25-year high.
 
There was no spring thaw for jobs in March. The deepening recession has left 13.2 million Americans unemployed as weakness in the labor market further bruises the battered economy.
 
The government reported Friday that the U.S. economy shed 663,000 nonagricultural jobs in March, pushing the national unemployment rate to 8.5%, the highest level in 25 years, from 8.1% in February. The losses were in line with expectations, and average hourly earnings rose by 3.4% year over year.
 
Yahoo! BuzzThe Labor Department also revised the January payrolls figure to -741,000, from 655,000 jobs lost, while February was left unchanged at 651,000. A toxic mix of falling home prices, tanking stock portfolios and soured bets on Wall Street has left the U.S. and global economies in tatters.
 
The Obama administration has tried to stem the bleeding on several fronts, using trillions of taxpayer dollars to clean up the mortgage mess and unchoke seized-up credit markets. The $787.0 billion economic stimulus bill passed in February will not bolster business before summer but ultimately is seeking to create or salvage up to 4.0 million jobs.
 
Thrifty consumers have cut back on spending, particularly on large purchases over the last year. This in turn is forcing businesses to pare down, adding to job troubles. Meanwhile, the financial sector continues to reel from the subprime mortgage crisis it helped fuel as Treasury's efforts to fix the banks stall. Attempts by the Federal Reserve to stoke a slowing economy by bringing its borrowing rate down to virtually zero have yet to prove fruitful. However, different government-backed lending programs seem to be loosening constricted flows of credit.
 
Stock futures moved higher in spite of the bleak jobs data, while the yield on the benchmark 10-year U.S. Treasury note fell slightly, to 2.81%, from 2.75% Thursday.
 
News of doom and gloom over the condition of the economy.  Dr. Raymond Jewell offers his suggestion for overriding the current conditions and protecting yourself from being affected by the current finanical trends.  Become part of the awareness movement of Money Talks.
 

Thursday, April 2, 2009

Money Talks

Financial Planning Simply Does Not Work!
 
Have you ever heard of "Cognitive Dissonance"? This is where the individual has to make a choice between something attractive and something that is not. Marketers understand this and create programs and marketing plans that satisfy this dilemma in people's minds.
 
If you knowingly promise something that you can't deliver, just to persuade someone to choose you over another, you are nothing short of a conman. So many times people are given bad information, and are persuaded to leave something that they thought to be good for another program that is really not good but promises to be better than their original selection. They are being persuaded to switch their thinking through cognitive dissonance to what they think is better.
 
The financial sales people do this all the time, knowing that what they are promising is not exact or truthful. The information that they share with their clients is not verifiable for truth, as we have just seen in the recent economic downturn when people lost huge sums of money. Had people had verifiable information they would not have lost money, and would had realized that what they were being promised would not happen.
 
Wealth creation is different than cash creation and demands verification as to truthfulness. It requires that a process be the main focal point and not a product. It demands that the client understand fully what the pros and cons are in what they are doing.
 
All of this is achieved through economic simulation, which means being able to see everything through an economic simulator. Being able to see the future before it happens and understanding where the flaws are. Looking at the financial world through a whole different paradigm and fixing the problems before they happen. If people used an economic simulator they would have exposed the Madoff ponzie scheme, but instead they ended up listening to information that was opinion driven and not factual.
 
Listening to bad information is not relegated to just lower income people, we saw it happen to wealthy people because greed over rode the 'cognitive dissonance" selection process. Now you might be saying that "This does not apply to me, to which I would reply, ok you might be right." But if you don't want to lose you will want to see it first before you do it. This is the only logical position to take and if you follow your gut feeling you will see that I am right.
 
If you want to learn more come to our tele seminar at www.MoneyTeleSeminars.com and sign up for a 2-hour TeleSeminar where you can learn all about looking at the financial world in an economic light. You will be glad you came.
 
Thanks for reading
 
Dr. Raymond Jewell, Senior Economist
www.FinancialFreedomRadio.info