MK Open Mic

Of course, these don’t have to be done in any particular order!
Just pick one or two that particularly apply to your situation.

* Create your 2004 filing system. This might include new file folders, a new box to hold them or space in a filing cabinet with easy access.

* Set up a folder to collect all the important 2003 tax documents which will be arriving soon. Sure to arrive at your house are W-2s, 1099s, mortgage statements, etc.

* Set up an appointment with your tax professional early so you get the appointment of your choice. This also gives you a deadline to get your information ready! If you’re self-employed, the next quarterly estimated tax payment will be due on January 15.

* Review last year’s investments especially in your 401(k), IRA’s etc. Find out what financial planning resources your company or 401(k) plan administrator offers and set up an appointment to talk to them. For non-company portfolios, talk to your investment advisor. You have until April 15 to make contributions to IRA type accounts (check with your tax preparer for eligibility).

* What about Quicken or Microsoft Money? If you don’t use software to balance your checkbook, pay your bills and keep track of your savings and investments, this is a great time of the year to get started. My personal favorite is Quicken and for small businesses, you might consider Quicken Home and Business. If you are a small business with Payroll needs, check out QuickBooks.

* Medical Insurance reimbursements. If you haven’t submitted all your medical bills to your insurance provider, now is the time to do so.

* Will and Estate Planning. No one likes to think about dying, but the best thing you can do for your family is to make sure they are taken care of by creating a will and making sure you have adequate life insurance. Think how easily you’ll sleep knowing you have provided for your family even if you are no longer there.

* Speaking of insurance… If you haven’t reviewed your health or home and auto policies in the last couple of years you might find you can save money and/or have better coverage. For example, if you still have a $250 deductible (which was my first deductible in 1979!), you will probably save by increasing it to $500 or $1000. Try to set aside some of your savings for deductibles in case you need them.

* Create your own Anti-Emergency Fund! We all know those car and home repairs, school fees, medical expenses and vacations are going to happen. Why not determine how much you’ll need and save 1/12 of it each month? To read more go to: http://www.phelps-creek.com/archives/Anti-Emergency.htm.

* Holiday Bonus or Money Gifts If you received a financial gift this holiday season, hold on to it for at least 30 days while you decide what you really want to spend it on. All too often financial windfalls are spent before they even arrive. Consider dividing it into thirds: 1/3 to the past, 1/3 to the present and 1/3 to the future. Past might include paying down debt, present could be something you need or want now and future could be retirement, college savings, or a special vacation

* Financial Goals for next year. Think about where you want to be next year at this time financially. If you want to save $1000, put aside $2.74 each day and you’ll be there! Break down your financial goals into monthly, weekly and daily amounts and watch how quickly your savings will grow. Read more about it at: http://www.phelps-creek.com/archives/PDQFactor.htm.

Moving is a chaotic and stressful time. There’s so many things to arrange, having utilities switched, signing up the kids for a new school, scheduling the movers, packing the house. With all the other things you do it’s not easy to find the time to get everything done!

Using a checklist of tasks, can help keep you organized and make sure you don’t leave out an important moving task. I suggest that you start the list well in advance – a month or more before the move. Just jot a few things down and then leave the list on the kitchen counter or fridge where everyone can see it. As you think of new things to add, write them down right away or it might be too late when you think of them again!

As the time for the move grows closer, you may want to transfer the list to a calendar format. Some of the items like notifying the phone company, will be things you can do in advance so you can assign those a date and then each day check the calendar to see what tasks need to be done. Cross off those that you have accomplished and you can easily see what is left to do. This method also works well if you are delegating some of the items on the list – you can add the name of the person responsible next to the task and this will avoid any last minute “but I though you were going to do that….” problems.

When the day of the move comes, you’ll probably still have plenty left on your to do list so make sure that it’s the last thing you pack up on your way out and the first thing you unpack at your new home. You’ll probably need to add tasks that are specific to your situation, but some common items on your to do list might include:

o Rent crates, buy boxes and get packing material – this can be done in advance

o Pack unnecessary items like knick knacks and anything you can do without until after the move – getting this stuff out of the way ahead of time will make moving day easier
o Get your new house inspected
o Put your pay stubs, bank statements and other documentation in a folder for your loan officer
o Arrange for utility shut off / reconnect for phones, lights and gas
o Notify business associates, friends and family of change of address and new phone number
o Put your new address and phone on checks and business cards
o Schedule a final walk through to inspect your new house
o Fix any items that came up in final walk through for your old house
o Get a certified check to bring to your closing (most banks require this and you’ll really screw up the works if you show up with a personal check)
o Rent a moving truck (and movers unless you are moving yourself)
o Schedule move out cleaning so your house is clean for the new owners
o Schedule your pets to go to a friend or kennel on the day of the move
o
Having a moving checklist won’t magically make everything happen right but it can help to make things run a little more smoothly!

Purchasing a silver charm is just one of the ways that you can help support autism research. Autism is a brain disorder that affects one’s ability to communicate and associate with others normally. Symptoms are usually detected in the first three years of life. Autism affects about 1 out of every 166 people in the United States; however, there is currently very little information about autism. Cure Autism Now (CAN) is a non-profit organization that is dedicated to increasing the quantity and quality of autism research in order to find better treatments. If you are searching for a way to help, there are several different ways, including: purchasing one of the organization’s silver charm bracelets, participating in a WALK NOW event, becoming a corporate partner, starting your own fundraiser, or making a monetary donation.

Silver charm bracelets are now available through the CAN website to raise more money for autism research. Each silver charm bracelet comes with a silver charm heart. For an extra donation, you may also receive five additional silver charms with different designs (a boy, a girl, a cross, a peace sign, and a Star of David). This silver charm bracelet was designed by actress Rene Russo, an honorary board member of CAN. The charm bracelet is also available in gold along with other accessories that will help benefit CAN with your purchase.

In addition to the silver charm bracelet, one can support CAN by participating in a WALK NOW event. WALK NOW is a 5 K (just over 3 miles) walk to raise money and provide awareness for autism. At each WALK NOW event there is an information center where parents and others can learn more about autism and what the current research has found. There are also arts, crafts and other activities to keep the children entertained. There are several WALK NOW events every year in different locations to give a chance for everyone to participate.

Another way to help CAN is to become a corporate partner. CAN is always looking for corporate sponsorship. Some of CAN’s current corporate partners include Johnson and Johnson, RBC Mortgage, and MBNA America. If you have a company that would like to become a corporate partner, CAN would truly appreciate any help you can offer.

You can also help out CAN by creating your own fundraising event or campaign. This method takes a great deal of planning and organization, however, it is a way that you can let your imagination run wild. One of the more creative fundraising events for CAN was the “Express Your Love” Motorcycle Ride in Chicago. However, there are some guidelines and procedures from CAN that must be followed if you want to create your own charity event.

Lastly, if you would like to make a cash donation but are not interested in a silver charm bracelet, there are several other ways to make a monetary donation. You can do it online, by mail, or through United Way. You also have the option to donate appreciated stocks and mutual funds or you can even include CAN in your will. CAN will appreciate any way that you can possibly help them out financially so they can continue to provide quality autism research.

Purchasing a silver charm bracelet, participating in a WALK NOW event, becoming a corporate partner, creating your own fundraising event, making a donation are all ways that you can help support CAN in the goal to find suitable treatments for autism. With this research, there is hope for tens of thousands of people to find decent treatment or possibly even a cure for autism. CAN works to bring hope.

After your honeymoon, that’s it for luxurious vacations right? You’ve now got your mortgage to think about, car payments, utilities, saving for children if you plan to have them, insurance, credit card debt and then there’s everyday expenses like food. With all those expenses how could you ever think about a vacation again, well you can!

Timeshares

Timeshares are great places to spend your time. Some find that they get several weeks on their ownership program each year while others may not be able to use them at all. However that doesn’t mean you can’t rent them out to others and make a slight profit.

Most timeshare owners pay on average $250 for a week. Find friends or family who are willing to split the fee and share the space. Or if you just want to stay the week you can pay the fee and enjoy your time there.

Before you head to your time share destination check on these things first: Make sure you agree on the price before taking over someone’s timeshare, and ask the other party about other expenses such as cleaning fees, and maintenance charges. Know what’s around you, you may think the time share comes with a full kitchen but find out there isn’t so you’ll want to know what you have access to and surrounding locations.

The more the merrier

Take a vacation with your friends. It can be fun, and less expensive because you can split some of the costs. Say you want to go to the mountains to do some skiing. An average price for a weeklong cabin rental with three bedrooms costs around $900. You can easily split that between other friends and save a ton while being located in an ideal spot. If you prefer to be outdoors, then take a camping trip. Your cost for the campsite will be nothing!

Before you go make sure to set some ground rules such as still making time for family, not just friends, or alone time with your other half. If you have kids, perhaps one night, one other couple or the friends you are with can watch them and then you can switch roles. Or you can choose to do your own things during the day and then get together during the night for dinner.

Swap Homes

Do you live in an attractive place where tourists always venture to. If so, consider doing a house exchange. Most house exchanges cost $30-$110 per year. You may feel skeptical about turning your house over to a stranger but it’s completely safe. Most home exchangers are prosperous, mature, and well educated professionals so they are not likely to destroy your home. Or you can choose to do a house swap with a family with children if you have children so you are going from one child friendly home to the next.

My father said that he need to find a company which is reliable for a disability insurance. He said that we need to be alert for our future so he need a disability insurance quote so that he is always insured no matter what happen to him. He said that this will also be our income protection. And he also added that comparing multiple disability insurance quotes will be a great did because we can able to save money as well as get insured. My father also added that they will educate and protect us from devastating costs associated with long term and short-term disability. And my uncle is a doctor and my father said that my uncle got a physician disability insurance that is why he also decided to get and be insured.

Deferred-payment loans are made to a homeowner for a specific purpose, such as modernizing, repairing or weatherizing the house. They usually carry low interest rates and repayment is not due until the owner dies or the house is sold. A number of variations on deferred payment loans have been described that do not offer cash hut charge off certain expenses as a lien against the property.
Home-equity conversion plans have a great deal of potential for benefiting older homeowners. On the other hand, they are highly complex and contain potential hazards. Because they are both new and complicated, they are not thoroughly understood by many financial, legal and real estate professionals.

Many financial analysts have pointed out that the major resource of older homeowners is their home equity. Traditionally, people with fixed incomes were advised to put their equity to work by selling their homes and investing the proceeds. Recently, some innovative ideas for unlocking this source of money without giving up your home have been tried out experimentally in a few localities. These plans are known in the field as home-equity conversion (HEC) plans.
Three different types of HEC plans have evolved from the fundamental idea that equity, converted into cash, can boost buying power and improve quality of life for many older people. The three variations are: reverse mortgage plans, sale-leaseback plans, and special deferred payment loans to upgrade or modify homes.

There are a lot of credit card you can use now unlike before. That it is even hard to avail for credit cards for poor credit especially if you are one of those who had the bad credit history. Before when the used of cards are only for rich people but now anyone can have credit cards just meet the banks requirements. Also business owners can have their business credit cards right for their business transactions and processing. A bad credit card that can be use by business owner’s when they travel and visit different places. Very convenient and affordable cards that has many use that you can surely enjoy. What great about the credit cards application now is that you can now have the credit cards for bad credit history, without the worry that you will be disapproved because of your credit history? If before it is so hard for us to have a credit card now you can even browse the information and the used of the cards in the internet and also those who offer the bad credit card . Even if your are still thinking if your going to avail for the credit cards for people with bad credit you can visit their website to convince yourself that you need this card and how easy to have this card with a low interest rate.

If you would like to remain in your present home, the major obstacles may be financial ones. Inflation_especially the runaway inflation of the l970s—has continued to affect the lives of all of us. Financial problems and solutions for homeowners and renters differ in many respects, so we’ll discuss them separately.
First, the options for owners. If you are over 65, the chances are good that you own your own home and your mortgage is paid up. Three-quarters of all heads of households over age 65 own their homes. What this probably means is that your home is your single largest financial asset.
Yet regardless of no longer having to meet those monthly mortgage payments, you may still feel financially pressed. Fuel costs (which tripled between 1972 and 1983), property taxes (up 67 percent for the same period), plus increased costs of insurance, utilities, and home repairs may leave you feeling “house rich and cash poor.” Many people with fixed incomes_especially those for whom social security is their sole income_live near the poverty line inside their paid-for homes. You or your adult children may have wondered more than once if there is a safe way the value of your home could be made more useful to you in the time ahead.