Friday, July 25, 2014

FInancial Freedom Fridays ~ 10th Golden Rule of Retiring Rich


Rule 10: Maximize your income potential
Finally, if you want to retire rich, you need to maximize your earnings. That means no more settling for a dead-end job that pays pennies.
Look for ways to increase your income, which can, in turn, increase the amount of money you are saving for retirement. Consider these options:
  • Does your current field offer some form of credentialing that could increase your opportunities for a raise or a transfer to a higher-paying position?
  • Is there someone in your workplace who could serve as a mentor and help advance your career?
  • Are you eligible for one of the government-funded workforce development training programs?
  • Did you start a college program and never finish it? Will those credits transfer?
  • Could you use an online degree program or vocational classes through a community college to earn a degree or upgrade your skills?
Regardless of which option you choose, don’t fall into the student loan trap. If you do decide to go back to school, look for ways to make college affordable and try to pay as you go rather than going into debt.
Retiring rich may sound like something reserved for the one-percenters, but by making these smart money moves, you too can have plenty of cash to carry you through your golden years.
This article was originally published on MoneyTalksNews.com as 'The 10 Golden Rules of Retiring Rich'.

http://finance.yahoo.com/news/10-golden-rules-retiring-rich-160040271.html
 


Be blessed and be a blessing.

Namaste, Peace, Love, Joy, Abundance, Health and Vitality to ALL

If you would like your business featured in Spotlight Saturdays, contact us.

Epiphany Essentials Links
Twitter: @epiphanyessenti https://twitter.com/EpiphanyEssenti
Email: epiphanyessentials@yahoo.com
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Monday, July 21, 2014

MINDSET & MOTIVATION MONDAYS ~ ALL BY YOURSELF

As soon as I wrote the title I thought of song lyrics, All by myself, I don't want to be all by myself. Well, sometimes it is great and necessary to be All by Yourself.

I remember growing up, when I would see people eating alone, at the movies etc.  I thought they must be lonely individuals.  One day while having a conversation with my mother, she used to travel for work, she stated how she enjoyed the time by herself.  It took me to get to my late 20s before I understood what she meant.  Now I find myself eating alone, going to the movies by myself, and soon I will take myself to the lake front or somewhere peaceful and quiet just to chill and relax and be, all by myself!

Today, I finished reading 'The Magic of Thinking Big'.  The last chapter was about leadership.  It stated that leaders spend time alone with their own thoughts regularly.  This is still a frightening thing for me to do, it is a frightening thing for many people to do.  To be alone, by themselves, with their own thoughts without distractions.  No books, no phones, no tablets, no TV, nothing.  Just you, yourself, and your thoughts, All by Yourself!

I believe it can be frightening because it forces us to go inside ourselves.  However, it also forces us to face many things about ourselves.  In that alone time, we are able to come up with great solutions.  That is if we are solution focused during this time.  This isn't the time to think about all that is wrong or have a whoa as me pity party.  This is a time to be real with yourself, think, reflect and examine your thoughts.  Are they self defeating or self motivating?  Are they thoughts of hopelessness or hope?

Once you determine that figure out where the thoughts are coming from.  Are you allowing outside temporary circumstances to dictate your internal feelings?  If your internal feelings are aligned with your outside circumstances, change your thoughts IMMEDIATELY.  

Remember thoughts become things, what you think about you bring about so choose your thoughts wisely, your feelings will follow and so will the experiences in your life.  

The book suggest spending at least 30 minutes alone each day.  This morning after reading, I made myself a cup a tea, I wrote out my creative visualization exercise from a couple of weeks ago, then I set on my couch with my tea looking at my vision board.  That was my quiet time all by myself with my own thoughts.  I also do yoga most mornings and some exercise all by myself.

It is a great thing to be able to sit in stillness with your thoughts and your breath.  

Its time to be All By Yourself...... 

Be blessed and be a blessing.

Namaste, Peace, Love, Joy, Abundance, Health and Vitality to ALL


If you would like your business featured in Spotlight Saturdays, contact us.

Epiphany Essentials Links
Twitter: @epiphanyessenti https://twitter.com/EpiphanyEssenti
Email: epiphanyessentials@yahoo.com
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Friday, July 18, 2014

Financial Freedom Fridays ~ Retire Rich Part 9

Rule 9: Work longer
Or at least wait to file for Social Security. While you can file for Social Security benefits as early as age 62, you’ll get a lot more money if you wait until you’re 70.
Once you hit your full retirement age, you can get an 8 percent bump in your benefits for every year you wait to start receiving payments. However, you’ll want to file by age 70 because there is no benefit to waiting longer than that.
You may be worried you’ll have one foot in the grave at age 70, but don’t fret. According to Social Security actuarial data, at age 70, you should still have an average of 14 to 16 years left to suck all the marrow out of life. (http://finance.yahoo.com/news/10-golden-rules-retiring-rich-160040271.html)




Be blessed and be a blessing.

Namaste, Peace, Love, Joy, Abundance, Health and Vitality to ALL


If you would like your business featured in Spotlight Saturdays, contact us.

Epiphany Essentials Links
Twitter: @epiphanyessenti https://twitter.com/EpiphanyEssenti
Email: epiphanyessentials@yahoo.com
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Monday, July 14, 2014

MINDSET & MOTIVATION MONDAYS ~ TAKE ACTIOIN



"The test of a successful person is not the ability to eliminate all problems before he takes action, but rather the ability to find solutions to difficulties when he encounters them.  In business, marriage, or in any activity, across bridges when you come to them."  David J. Schwartz 'The Magic of Thinking Big'

Be blessed and be a blessing.

Namaste, Peace, Love, Joy, Abundance, Health and Vitality to ALL

If you would like your business featured in Spotlight Saturdays, contact us.

Epiphany Essentials Links
Twitter: @epiphanyessenti https://twitter.com/EpiphanyEssenti
Email: epiphanyessentials@yahoo.com
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Friday, July 11, 2014

FINANCIAL FREEDOM FRIDAYS ~ RETIRE RICH PART 8

Rule 8: Break free from the herd
When the stock market crashed a few years ago, too many people freaked out and sold their investments.

You know what? Those people took a bad situation and made it even worse. Many sold their investments right when the market was bottoming out and then they missed the rebound.
The people who are going to retire rich are those who snatched up stocks at bargain-basement prices in 2009 and then saw their value climb by double digits in the following years. Same thing goes with the housing market. When the bubble burst, the smart people were the ones who were buying houses, not selling.

It’s easy to follow the herd, but if you want to be rich, you need to keep a cool head and make rational money decisions even in the midst of a crisis. (http://finance.yahoo.com/news/10-golden-rules-retiring-rich-160040271.html)

Something we've learned here at Epiphany Essentials is many a millionaire has been created in tough financial times.  Birds flock, eagles soar.  If the masses are doing it, you probably shouldn't be!


Be blessed and be a blessing.

Namaste, Peace, Love, Joy, Abundance, Health and Vitality to ALL


If you would like your business featured in Spotlight Saturdays, contact us.

Epiphany Essentials Links
Twitter: @epiphanyessenti https://twitter.com/EpiphanyEssenti
Email: epiphanyessentials@yahoo.com
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Monday, July 7, 2014

MINDSET & MOTIVATION MONDAYS - WHERE ARE YOU NOW?

Mindset & Motivation Monday - Where are you now?

 Many of us have goals, dreams, and desires.  We think of great ideas and then we let life happen to us.  Whether it is our responsibilites, family, friends, naysayers etc. we sometimes let things get in the way.  Personally I can relate to this, it has been awhile since I blogged because I became so busy with life.  It is important to remember to take time for what is important to you for your life and put 1st things 1st.

 However, the question is Where are you now?  When the New Year rolls in people are excited, they make resolutions, set goals and declare, this year is my year it will be different.  Well, half of the year is gone, more than half.   Where are you now?

 What have you done differently this year?  What goals have you accomplished or are you working towards?  Are you in the same position you were in this time last year or are things truly different?

 To truly see change in our lives we must do and commit to the following:
  • Change in Mindset - what are you reading, hearing, and feeding your mind?
  • Change in Atmosphere - is it your environment that is weighing you down?
  • Change in Friends - are they positive, motivated, and successful?
  • Change in Routine - do your daily habits spell success?

The list above is not all inclusive, however, it is a start.

Where are you now?  Have you made any changes or advancements? 

You may not have accomplished everything on your list, however, the most important question to ask yourself is AM I MAKING PROGRESS?

Be blessed and be a blessing.

Namaste, Peace, Love, Joy, Abundance, Health and Vitality to ALL


If you would like your business featured in Spotlight Saturdays, contact us.

Epiphany Essentials Links
Twitter: @epiphanyessenti https://twitter.com/EpiphanyEssenti
Email: epiphanyessentials@yahoo.com
 

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