The Ramsey Show (January 25, 2022)




Calculating Retirement Need

The calculation of retirement need is simply an attempt to determine how much money you will need in your retirement. Such calculations are vital because they can show you the retirement income you will need and if your existing savings and investments will support you after retirement.

How to Invest When Young So You Have Money When Old

Financial Advice for Young Adults: Conventional Wisdom is Wrong! How many times have you heard the phrase, ‘your home will be the largest investment you ever make’ or ‘the first step to financial security is to pay off your mortgage early’? I have heard this advice from most parents to their children and I see these general guidelines repeated over and over again in newspapers and articles on various internet sites. They are propagated because they are ‘safe’ guidelines that will save the author from being ridiculed or represent the life experience or value system of most parents. It is easier to go with the flow than against it, and it is easier not to take financial risks in life. Well if you want to achieve financial success in life, IGNORE that traditional advice. If you want to succeed financially you need a different strategy.

How You Can Become Rich!

Becoming rich isn’t all that complicated and there are various ways to conquer that goal. People can do it through real estate, or start their own company, some simply inherit from deceased loved ones. The most important thing people must realize is that you don’t need to have money to start!

Get a Better Return for Your Current, Frozen or Dormant Pension

There are lots of investment and pension specialists around as well as independent financial advisors providing free reviews for pension release, transfers, annuities and QROPS. There is 100’s of billions of pounds sat in frozen pensions making virtually no return, with help from the right company you can get more for your current or frozen pension…

Joint Trusts: All the Basics You Need to Know

A Trust is a form of legal contract created for asset- related transactions for the benefit of one or more persons. This may include cash, insurances, personal or land properties. The concept is placing your assets under a third party, which is the Trust itself, for an indefinite period of time.

Planning And Saving Early For A Secure Retirement

It has always been a good idea to plan for a comfortable retirement and save for it as early in one’s career as possible. In today’s rough and tumble economy, early planning and saving is even more essential.

When to Start Retirement Planning

The time to begin retirement planning is when you start thinking about retirement. Unfortunately, a lot of people do not start thinking about retirement until it is too late. This means you should start thinking about retirement now even if you do not have any concrete plans for it.

Military Retirement Pensions Explained

Military retirement pensions are a benefit designed who want to make a career out of the armed forces. Only those who stay in the military for twenty years are eligible for such pensions. Persons that served for shorter periods of time are eligible for a variety of other benefits including Veterans’ disability payments and healthcare provided by the Department of Veterans Affairs. Most honorably discharged veterans should be eligible for at least some VA benefits.

Most Common Investor Mistake: Being a Headline Investor

Buying when the headlines are encouraging. Selling when the headlines are discouraging. Also known as buying high and selling low. A recent newspaper article laid out a pitch for buying shares in real estate investment trusts (REITS). The newspaper story began with 3 reasons why you should own REITS followed by why REITS are different than direct real-estate ownership. The author then went on to justify why the timing was right for a REIT rebound followed by a call to action: “If you’re a prudent investor, this could be the right time to consider adding REITS to an investment portfolio.”

Longevity Risk Becomes an Important Part of Pension Strategy

Seventh International Longevity Risk and Capital Markets Solutions Conference was held in Frankfurt from 8th to 9th September 2011. Pension and finance experts came from all over the world to one more time discuss the matter of enhanced longevity risk and instruments necessary to be implemented by the pension funds and governments in order to lower the risk of pension funds becoming insufficient.

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