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June 20th, 2014 by

Spending More or Less

Keeping a firm grasp on how much you are spending each month compared to your income is a good habit for money management. Let’s face it. Yes, we would all like to be able to buy whatever we want, whenever we want it. But, with financial responsibility, we must be in control of our spending habits. Many Americans are reluctant to sit down and evaluate where they are spending their monthly income. However, it is a crucial component to long term retirement strategies and planning. If you can account for your daily dollar spending, you can assess if your money is being effectively used for your short and long term goals. Without this knowledge, you are simply guessing and wasting the opportunity to add to your long term retirement goals. For some people, it might be a small adjustment of foregoing the daily drive through of a coffee shop. For others, it might be more effective to withdraw cash for weekend spending and shopping sprees. There are no right or wrong answers on how to become more effective with your money, but having a serious look at your finances will get you going in a better direction.

Effective Money Management

Protecting Your Retirement Nest Egg For better money management and to plan more effectively for your retirement, download my free LIFE GUIDES. These free resources are effective in helping you put “pen to paper” in assessing your money management. Toll Free: 1-833-313-7233 | MD, VA & DC. 
June 19, 2014
June 19th, 2014 by

Retirement expenses

It seems easy to long for days of retirement, where everyday can be a Saturday. But, have you calculated the expenses of retirement? Many families don’t budget their expenses and therefore, find it difficult to know what they will spend during retirement. This is a look at the current ‘average’ of what you will spend during retirement. Does it look similar to what you are expecting to budget for during retirement?

Retirement Budgeting

Nobody wants to think of retirement as a time of penny-pinching and feeling unsure about your nest egg dollars. But, it is wise to plan early to ensure you have budgeted well for your golden years. Let me help you ensure a season of care-free living for retirement. It begins when you plan early!

Freeman Owen, Jr - Host of "Safe Money Talk" on CBS Radio The Big Talker 1580AM Freeman Owen, Jr has been helping baby boomers plan for a worry-free retirement for over 30 years. If you’re thinking more about your retirement, consider getting professional help with it. Keep Your Money Safe! No-obligation consultations available in Maryland, Washington DC and Virginia.

Call: 1-833-313-7233

June 11th, 2014 by

worker vacation USA

Getting More From This Summer

Americans are seen across the world as work-a-holics! And, that’s probably because our jobs are part of our identity. There’s something about work and its daily set of tasks that keep us feeling important and productive. In fact, staying at work until 7pm is seen as a badge of honor and we wear it with pride! But, that ego boost from the demands in an office comes at an expensive cost. We forget to enjoy living and cannot wait to reach retirement.

3 Tips to Work Less and Enjoy Life More

If you find yourself in an uncomfortable rut this Summer, consider these 3 tips to getting more from your work’s daily grind:

1. Question Your Schedule
In life and at work, success is often dependent upon good timing. Are you making smart decisions about when to do things at work? Do you set yourself up for failure by trying to focus on important tasks during your post-lunch slump? If you feel like something is taking you too long, or is simply frustrating you, ask, “If I timed this task differently, would I be more efficient? Recognize when you’re most productive during the day and tackle the most difficult project then.

2. Put It On The Calendar
Most people check off items on their calendar. If it’s on the list, it will most likely get done during the day. So, plan ahead. Actively block out time for email reply, phone calls and meetings as well as time to get your work done.

3. Become Efficient With Time
Try to set up meetings back-to-back so you can keep larger chunks of time free. And make sure to use those chunks of time to actually work. Your lunch hour can become a run to the grocery store or post office so you don’t have to do it when you get home. Avoid traveling to work during rush hours (if it can be arranged) and ban yourself from unnecessary Facebook browsing.

HuffingtonPost: Make This Your Best Summer Ever: 3 Tips to Work Less and Enjoy Life More, 6/6/14

Freeman Owen, Jr - Host of "Safe Money Talk" on CBS Radio The Big Talker 1580AM

Retirement Is About Planning

Rather than just dreaming about the luxurious days of retirement where everyday is like a Saturday, plan early for a worry-free retirement. That might mean you have to put it on your calendar to see a retirement specialist and become more disciplined about your retirement nest egg. Or, it might mean it’s time to reflect on your retirement goals and re-evaluate your current plans. Let me help you do it right!
Just Ask Freeman | 1-833-313-7233 | MD, VA & DC.