Friday, May 30, 2014

FINANCIAL FREEDOM FRIDAYS ~ PART 5 RETIRING RICH: MINIMIZE YOUR TAXES

I myself used to be one of those people who were excited about income tax refunds at the end of the year.  I would hope that I received more money than the year before.  I then began studying with the wealthy and learned that a tax refund simply means that I gave the government an interest free loan, INTEREST FREE LOAN! So the lesson learned, if you are getting an income tax refund, you are probably not wealthy!
Rule 5: Minimize your taxes
The rich stay rich, in part, because they’re savvy enough not to let Uncle Sam take too much of their money.
When you’re investing your retirement money, be sure to use tax-sheltered accounts such as IRAs and 401(k)’s whenever possible. In addition, be smart about which type of account you use.
Traditional retirement accounts let you invest money tax-free now and then pay the piper once you make withdrawals in retirement. Meanwhile, Roth IRAs and Roth 401(k)’s tax you now and make the withdrawals tax-free.
You’ll probably want to discuss with a financial adviser the best option for your particular situation, but generally, Roth accounts are preferable for younger investors. In theory, you should be making more when you’re 65 than when you’re 25. As a result, your tax rate now may be lower than the rate you’d pay at retirement. However, if you’re within a few years of retirement, you may want to consider a traditional account to get the tax benefits now. (http://finance.yahoo.com/news/10-golden-rules-retiring-rich-160040271.html)

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Thursday, May 29, 2014

T.E.A.C.H THURSDAYS ~ EPIPHANY ESSENTIALS BOOK CLUB

We started a Book Club on FaceBook this year and don't remember if we invited our devoted readers to join us in expanding their minds.

The purpose of this group club is for growth and development, mentally, spiritually, financially..., in business/career, and overall as individuals. We have chosen a variety of books covering topics for that purpose in 2014. We look forward to reading, sharing, discussing, and debating.
 
So here is the list of books we have read thus far and shall read the remainder of the year.  If you would like to join us please feel free.  To be added to the discussion page on FaceBook simply leave a comment with your FaceBook name or leave us a comment on our Epiphany Essentials page.
 
January 2014 - The Power
February 2014 - Think and Grow Rich
March 2014 -Think and Grow Rich...
April 2014 - E squared
May 2014 - How to Win Friends & Influence People
June 2014 - The Magic of Thinking Big
July 2014 - The Power of Your Subconscious Mind
August 2014 - How to Say Anything to Anyone
September 2014 - The 21 Irrefutable Laws of Leadership
October 2014 - Daringly Great
November 2014 - The Art of War
December 2014 - As A Man Thinketh




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Tuesday, May 27, 2014

TAKE CHARGE OF YOUR CAREER - FREE WEBINAR

Join us in 2 weeks for this FREE WEBINAR
Epiphany Essentials Presents..........................................
Take Charge of Your Career FREE WEBINAR, FREE FREE FREE

D.R.E.A.M.S to Reality Series (Daringly Reaching Excellence and Manifesting Success!)

In this webinar we will discuss some of the very things holding you back in your job search and career; Mindset, First Impressions (Email, Voicemail, Resume), Networking and the importance of having a GAME PLAN!!!!!!

Have you hit a road block in your job search?
Do you dread going to work everyday?
Have you sent your resume out and have yet to receive any call backs?
Are you out pounding the pavement and coming home with nothing but sore feet and a headache?
Are you ready to Take Charge of Your Career?
Are you ready to live life on purpose?

If you answered yes to any of these questions, join us Monday, June 9th for this awesome seminar.

Live Life on Purpose!!!!!!!!


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Monday, May 26, 2014

MINDSET & MOTIVATION MONDAYS ~ MEMORIAL DAY

Today in the states, we celebrate Memorial Day.  We remember the sacrifices of the soldiers who have fought for our freedom, rights, and ability to live our lives on purpose.  Soldiers have lost their lives, lost body parts, some have lost their minds, some have come back "normal" or as normal as can be.  For that we should all be grateful and remember all those men and women who make it possible for us to live our lives on purpose.

With that said, are you living your life on purpose? Are you living or simply existing? Are you giving to your children your best? your presence?

Do you love yourself?  Do you give to yourself? Are you forgiving of yourself?  Do you judge yourself?  What are you saying to yourself about yourself when you are by yourself?

Are you living life on purpose?

How can you live life on purpose?  That is something only you can answer.  One answer we can give is are you an active participant in your life daily? Or are you simply going through the motions.

If you are only going through the motions it is safe to say that you are not living your life on purpose. 

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Email: epiphanyessentials@yahoo.com
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Friday, May 23, 2014

FINANCIAL FREEDOM FRIDAYS ~ DON'T LEAVE FREE MONEY ON THE TABLE

Rule 4: Don’t leave free money on the table
If someone tried to hand you $100, would you say no?
That’s exactly what you’re doing when you fail to take advantage of a 401(k) employer match. Your company is basically giving you free money with the only string being you need to pony up some of your own cash for the retirement fund too.
You won’t get rich by passing up golden opportunities like this for extra cash. If your employer offers a 401(k) match, make sure you are taking full advantage of it. (http://finance.yahoo.com/news/10-golden-rules-retiring-rich-160040271.html)

Free money, again we don't necessarily encourage you to invest in a 401K however we do believe in receiving free money. 

Don't leave free money on the table!

If you are interested in receiving one on one Financial coaching, If you would like your business featured in Spotlight Saturdays, contact us TODAY!.

Epiphany Essentials Links
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Email: epiphanyessentials@yahoo.com
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Monday, May 19, 2014

MINDSET AND MOTIVATION MONDAYS ~ HOW DO WE MOTIVATE OTHERS?

I am a firm believer in READING, non-fiction books.  There is plenty to read, learn, and explore.  If you are on a quest to find out the meaning of life and how to live your best life, I highly encouraging reading.

Epiphany Essentials has a book club and we are now reading, How To Win Friends and Influence People.  Who knew the book would have parenting advice in it!  Just what I needed to hear too.

Many of us have been taught to motivate using criticism and sarcasm.  What I've learned is while we are taught this method and repeat it, it rarely works.  How do I know that?  Too many adults are not motivated and aren't living their best lives.

When we criticize and use sarcasm we create justifiers (it's a word LOL).  People justify their actions, feel right in what they've done and rarely see the error of their ways.  That includes all of us.  So how do we raise and become people that take responsibility, are accountable and motivated?  We teach and embrace responsibility, accountability and we motivate!

What don't we do?  Principle 1 in the book "Don't criticize, condemn or complain!"

Trust me its easier said than done, I can be the Queen of sarcasm when I want to.  Nevertheless I want my son to be a confident, motivated, focused person, not one filled with low self esteem and excuses.

Can you make the effort to begin to reflect and change and motivate others without criticism, condemnation, or complaints????

Peace, Love, Joy, Abundance, Health, Happiness, Success, and Vitality, Namaste! 

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Friday, May 16, 2014

FINANCIAL FREEDOM FRIDAYS - RETIRE RICH PART 3


"Rule 3: If you start late, make up for lost time
Maybe you’re age 55 and think you’ve missed your window of opportunity to retire rich. Don’t raise the white flag just yet!
The government allows those 50 or older at the end of the year to make catch-up contributions to their retirement funds. You can contribute an extra $5,500 to your workplace retirement program, such as a 401(k), for a total annual contribution of $23,000. IRA catch-up contributions are $1,000 for a total allowable contribution of $6,500 each year.
You might think there’s no way you’d ever have $6,500, let alone $23,000, to invest in a single year, but you may be surprised at when and how you come into extra cash. You may benefit from a loved one’s estate, downsize your home or sell your boat or other large toy that no longer fits your lifestyle. When you find yourself on the receiving end of a windfall, don’t blow it on a vacation; put it in a retirement account if you want to retire rich." (http://finance.yahoo.com/news/10-golden-rules-retiring-rich-160040271.html)

Outside of saving more from your earned income, how can you make up for lost time?  Create a business and save more from your PASSIVE income or invest and save money from your PORTFOLIO income.  Whatever you do, be sure you are in control of  your finances!!!!

Again we personally do not recommend retirement accounts nevertheless absolutely make your own decisions.

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Wednesday, May 14, 2014

WELLNESS WEDNESDAYS ~ BIKINI SEASON

Bikini/Swimsuit season is upon us.  While everyone doesn't have to be rail thin, we do encourage wellness to all of our readers.

Here is some help getting healthy and swimsuit ready!

 

Photo 

Photo 

Photo: Try adding just one of these to your diet this week! 

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Monday, May 12, 2014

MINDSET & MOTIVATION MONDAYS ~ D.R.E.A.M.

 


Do you dare to D.R.E.AM.?

Do you believe that D.R.E.A.M.S come true?

D.R.E.A.M.S to REALITY WORKSHOP

October 2014

Let's get ready for 2015 by turning your D.R.E.A.M.S to Reality and CREATING the LIFE you desire!!!!!!!!!!

Peace, Love, Joy, Abundance, Health, Happiness, Success, and Vitality, Namaste! 

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Epiphany Essentials Links
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Email: epiphanyessentials@yahoo.com


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