5 reasons to plan your retirement

 Many times we make the mistake of thinking that we should start thinking about our retirement when we are close to reaching the age necessary to do so. However, the earlier we have this issue in mind, the better future we can guarantee ourselves.

 Most people do financial planning only when they have a near goal, like going on vacation or buying a car, but leave their long-term goals behind. Retirement will come to everyone, sooner or later, and the more cautious we are, the easier it will be not only to adapt to it, but even to be able to enjoy it.

Planning your retirement in advance will give you and your family security and peace of mind. With this fund, you will have the freedom to retire without worries and the guarantee that you will be able to dedicate this new free time to activities that you fully enjoy!

 Here we leave you 5 reasons so that, no matter how old you are or what your current salary is, start with John Labunski planning your retirement today:

 1. You will create good habits of financial education

 By having in mind the creation of a fund in the future, you will force yourself to allocate a monthly value as savings. In this way, you will be guaranteeing a better distribution of your salary and you will learn good financial education practices to know how to identify what your essential expenses are. With good planning, each year you can continue to increase the value of savings, according to your professional growth and greater income generation.

 You can easily calculate the ideal value of your monthly savings in our simulator.

 2. The home economics it will be healthier

 In order for the economy of your home to be healthy, not only monthly fixed expenses should be foreseen. It is also necessary to always have a fund reserved that can be used for unforeseen events such as medical emergencies, job loss, among others. Knowing that you're planning for your retirement early, you'll have peace of mind that when the time comes, you won't have to start from scratch or drastically change your lifestyle.

 3. Helps you understand the importance of financial education in young people

 Another common mistake is to think that young people who are not yet active entities in the economy do not receive financial education. However, having knowledge of these topics as early as possible will help them make as few mistakes as possible at an early age and thus be able to plan better for their future. If we start talking to teenagers about the importance of saving and setting long-term goals, we will surely find in a few years adults who are more responsible with their money and more disciplined in managing their finances.

 Learn more about the importance of financial education in young people and start familiarizing them with these issues from an early age. You will create healthy habits in them that will positively impact your future.

 4. You will guarantee your quality of life until old age

 When people are economically active, they create habits according to their quality of life. Once certain standards have been reached, going back is very difficult. For this reason, by having a retirement fund created well in advance and designed according to your economic situation, it will facilitate the possibility of maintaining your lifestyle, even when you have already retired. According to a World Bank figure from 2019, 55% of Latin Americans do not plan their retirement and in doing so, they must depend entirely on their pensions or sporadic jobs (the well-known "cachalots"), which do not provide them with the stability they had expected. used to. Do not put your future at risk by seeing it very far away and start imagining the old age you deserve.

 5. You will have freedom and independence

Nobody wants to become a burden when they are older, or have to depend on other people in their last years of life. By having a retirement fund, you will have the freedom not to depend on a source of income from sporadic work that you can develop on a day-to-day basis, but on the savings and accumulated income in your retirement fund and thus you will be able to guarantee your well-being for your own means. Don't be left without the freedom to do what you've always wanted when you finally have the time to do it, because you don't have enough resources.

 Remember that it is never too early to start planning for your retirement. Do not let this issue become a headache, but, on the contrary, a symptom of tranquillity and stability. Consult our programs and find the one that best suits your needs to start building your future today. Take into account that no one is free from unforeseen events in their life, being cautious today is the best way to have a good tomorrow.

Why investing is the best way to expand your wealth?

 For most people, creating wealth seems like a difficult goal. Those who earn average incomes feel that it is impossible to do it, but the reality is that it is not difficult to create wealth, it just requires planning, patience and long-term commitment.

 One of the best ways to expand your wealth is through the stock market. Investing in the stock market is a great way to build wealth, even for a small investor.

Start with a plan

 Before investing money in the stock market you need to plan your investment and set your goals. Identify how much you want to increase your wealth and for what purpose (buying a house, college education for children, retirement funds). Based on that, make a plan.

 The second is to understand your appetite for risk. The stock market can increase your wealth but it can also make you lose everything you have. That is a risk you are taking to earn a reward, but when you take risks do it not with your life savings, but with a portion of your regular income.

 You also need to budget and understand your income and expenses. Figure out how much money you can save and use some of it to invest in the stock market. Younger investors can invest up to 80% in the stock market, with the rest in safer investments like bonds. As you age, you can slowly reduce your investments in the stock market to reduce your exposure to risk.

 Think long term

 There are lucky investors who make quite a bit of money on their investments in a few months, but such stories are rare and few. You should think about the long term when you put your hard-earned money to buy stocks. Don't expect to be rich in a couple of years.

 The secret to creating wealth is perseverance. Keep your money invested in the long term and you will see how it begins to give returns despite the volatility of the markets. People who have made it big in the stock market have mostly kept their money in the market for long periods of time, more than 10 years.

 Once you start investing in the stock market, it's important that you don't stop. The market has its ups and downs, but when the market falls you should not be scared, it will recover.

 It can take a few months or even years for that recovery, but when you are in the long term, you do not have to worry about immediate profitability.

 Go to the experts

 The stock market is one of the preferred places to increase wealth. Investing in stocks is often risky, but if the risks are managed, you can take advantage of the stock market to secure your financial position and earn money in the medium and long term.

 The experts of John Labunski Expert Guidelines Banking can advise and guide you in your investment objectives within the stock market.

Finance Tips – Long-Term Budgeting

 While everyone wants to save money in order to spend it on stuff that they care about, instead of household expenses, many do not know how to do so. Family finance can be complicated and difficult, especially for those with no experience in it or no guidance. Thankfully, there are a few financial gurus and professionals out there who have developed great ways to save a little money and put your finance in a better place than it has ever been before.

One problem that most people have when it comes to finance, is developing a long-term budget. Many people use a more short-term budget designed to live from paycheck to paycheck. This is problematic because it emphasizes surviving, instead of thriving.

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What research and top experts have discovered, is that the budgets that usually save people the most money are long-term annual budgets. In an annual estimate, people usually subconsciously give themselves a lot more financial padding than they intended, leading to more savings and a better financial future. One study has shown that college students overestimate their monthly expenses by 40%, while they overestimate annual ones by only 3%. It appears the more long-term the budget, the more accurate it is.

Creating an annual budget is also advantageous because it allows you to look at things from a more broad perspective. Instead of worrying about if you will be able to pay your bills, you can set goals for how much you can save theoretically by the end of the year, and how much you actually save.

John Labunski is an experienced finance expert who suggests long-term budgeting for saving success.

John Labunski Saving Money – Housing

 For many, finance can be a very tricky field. In fact, most people end up in debt, or living above their means. While it is ideal to save a minimum of 25% of your income, most people are incapable of doing better than 10%. Now remember that this is a percentage, meaning that it has nothing to do with how much you make, strictly with how good you are at budgeting and saving. Now while it can be difficult to master your finances, it is far from impossible. Remember a good common finance rule, that you ideally should save one dollar for every three that you earn. One of the most common things that prevent people from maintaining this ratio, is that they pay far too much for their housing costs.

Traditionally, most financial advisors and experts usually say the rule of thumb for housing costs is to spend only a third of your income on it. For a lot of people however, this is far too much money, especially when you consider things like car and student loan payments, child support, and business expenses. While each person’s individual budget and housing needs differ, it is more realistic that you should only be spending about 25% of your income on housing expenses if possible.

If you are having trouble spending less than 30% plus of your income on housing, start looking for ways to save. This could include cutting down on electricity costs, being more conservative with food, or simply seeking more affordable housing.

John Labunski is a finance expert who often comments how housing costs can be budget killers.

Saving Money – Avoid Spending Traps

 Finance is one of the most difficult fields for the average person to master, especially when it comes to their own finances. This is because often we are not good judges of our own situation, as obvious bias can exist. The majority of people are in a state of financial ruin, which seems ridiculous because the world is populated by generally smart people. Well the problem is that there are equally intelligent people who are trying to take your money while you are trying to save it. This happens all of the time in the form of marketing, advertising, and special promotions, all designed by an elite team to part you with your hard-earned cash. It is these kinds of spending traps that encourage you to spend money with the illusion of saving it.

One great example of a classing spending trap is the rewards incentive that is offered by most credit card companies. Remember that these companies have one goal, to make as much money as possible, something that they can’t achieve by giving it away. The same thing applies to you and your finances. While rewards for spending sounds like a good idea, because you are getting money to spend money, you are always spending far more money than you are saving. Reward cards also usually carry hidden costs like a higher interest rate. So while it may seem like you are saving money, in reality you are actually losing money in a cleverly devised spending trap.

John Labunski is a finance expert who notes that you need to be wary about spending traps and marketing schemes.

Improving Finance – Debt Control

 In finance, many people hear the word debt and start running for the hills. While debt isn’t always encouraged, it can actually be a good thing from time to time. That is because most debt is made as an investment of sorts.

The most important thing to do to improve your financial situation is to understand and be able to control the amount of debt you have. Too much debt and too little can both be detrimental to your financial situation. This is because with too little debt, you aren’t making any plays or taking any risks to improve.

Many debts come from things like student loans, which help you get a good education and in turn a good career. Debts can also be accumulated by receiving loans to open a business or buy a vehicle. These are necessary expenses that will help improve your financial situation in the long run.

The trouble with debt and finance is not that you should avoid debt all together, but you should find a good medium. This medium should have just enough risk to have an average growth rate and reward, without you worrying about being buried in debt. A common mistake people make in financing is overinvesting. Spending five or six years in college to earn a four year degree for instance. Things like this can make it much harder in the long run to dig yourself out of your hill of debt. That is why you need to find balance.

John Labunski is a finance expert that encourages people to find a happy medium of debt that allows career growth.

Finance Errors – Counting on Social Security

 While many people believe that a plush and easy retirement awaits them in the future because they are paying for social security and their retirement now, you should not be so certain about this. While social security is a viable way that many of the elderly of the past have had a decent retirement, it is far from the only way, and more uncertain than other methods. This becomes even more prevalent when you consider that soon the trust fund developed has been scheduled to run out.

That is correct. It is believed by some financial experts that by the year 2037, the social security common wealth fund will dry up before a substantial amount of the workforce even comes close to retiring. This means that when the time comes to retire, the average payout will only be about three-quarters of what it once was, as people will only be getting the same amount that they were putting in. This means your financial future now more than ever is in your own hands.

If you rely on social security to provide you with a comfortable means for retirement, you may be setting yourself up for disappointment. This however, is no reason to panic. In fact, many people do not need to live off of social security to have a successful retirement. Social security has often just been a base living rate anyway, and those who take proper steps now can plan for a more financially sound retirement.

John Labunski is a finance expert that encourages people to come up with their own retirement strategies and budgets.

John Labunski – Investing Extra Money Wisely

 John Labunski knows that sometimes it seems hard to find that extra money to invest in your future. Many people believe that you need a large sum of money to buy a portfolio, but nothing is further from the truth. Actually with just 1,000, a new investor can build a diversified IRA portfolio. There are a few online advisement companies that will help you invest the money and not charge anything until you reach $10,000.

For those who feel a little more adventurous, lean into the risky market place. Investing a small amount of money in an area that has been beaten up could prove profitable. Funds that hold small “value” companies are down 7.7% over last year. This allows for an investor to earn a nice return on little investment.

Another way to earn a bit on your dollar is to pick one company to invest in, although it may be hard to find the right one. Companies such as Google, CVS and other brand names that are making strategic changes could offer an investor a profit later down the road.

John Labunski works closely with investors to help them make smart choices. Over the years he has seen how many investment companies care more about their bottom line than the circumstances of their investors. He also has a radio show called Retirement Wealth Talk Radio and Wealth 911. Through his show he has helped many people with their investment portfolios.

John Labunski – Savings habits Can Keep You Healthy

 John Labunski has found that over the years, there is probably nothing more stressful than money troubles. Bad money habits can take a toll on one’s health, whether it’s bills, credit card debt or bad investing. Studies have actually shown that those people who save wisely suffer less stress and therefore have better health. You don’t have to make a ton of money to save wisely. According to investment counselors, finding ways to save regularly not only helps provide financial security but may also contribute to keeping people healthy long enough to enjoy their retirement. Here are some ways to start saving today.

Probably the easiest way to save for the future is a 401(k) plan. Many of them now incorporate features like auto enrollment, and auto escalation of contributions. Most would be savers like these features and would enroll in plans that automatically contributed 6% of their pay. The hardest part of saving is allocating those funds every month, but the earlier you get started, the better. For example, let’s say you make $41,000 a year, and saved 8% of pay. It would be necessary for you to begin saving at age 20, so by age 65 your retirement income would be $29,000 a year.

John Labunski has worked with many newbie investors and helped them save for the future. He began first by helping his mother resolve her own financial crisis after following the advice of a well-known financial investment advisor. It was then that he knew he wanted to start his own company and help people plan for their retirement and show them how to invest wisely.

John Labunski – Ways to Secure A More Enjoyable Retirement

 John Labunski is a financial advisor and the CEO of a reputable investment company. One topic he must tackle daily with various clients is how to plan for retirement. Failing to have the right plan in place can be disastrous. There are a few things that people can do in anticipation of their retirement. First of all, make sure to save as much as possible while you are still working. Sock away any bonuses, extra tax money, etc.

Assess your health and longevity. Are you a smoker? Do you have questionable health now? These factors can help you determine how long your money needs to stretch. It can also help you plan for medical expenses that may arise.

Once you’ve calculated your life expectancy, you can gauge how much you’ll be able to withdraw from your portfolio without going through your entire savings. Most experts agree that you can take out 4% of your balance in year one of retirement, if your life expectancy is 25 years.

As an extra insurance to your current portfolio, put some of your portfolio in a deferred-income annuity, also known as a longevity annuity. These annuities differ from other annuities, which pay out right away. They take about 15 or 20 years or more, to mature. It can be thought of as old age insurance.

John Labunski provides full financial, wealth and retirement services to all his radio listeners and potential clients. He wants to m

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DENA LABUNSKI vs. JOHN LABUNSKI

 

How to choose a good financial advisor?

 Many people, for fear of not finding a trusted financial advisor, decide to plan the destination and amount of their investments themselves . Rare is the time that the popular proverb does not have the key: shoemaker, to your shoes. Delegating to professionals is one of the healthiest decisions you can make for the return on your investments, but, as with a good partner, it is not always easy to find the right person. [Need a help this month? Apply for your loan here ] Are you looking for a financial advisor? Read these tips and choose without fear of making a mistake.

 7 questions to ask yourself to make the right choice with your financial advisor

 1st. Are you certified as EAFI?

 This official accreditation as a Financial Consulting Company was born in 2008 to separate the type of services offered in the sector. Since then, on the one hand there are the professionals who advise on investments , analyze them and create financial reports, and on the other the corporate ones, who advise on mergers, capital increases, etc. It is the National Securities Market Commission the one in charge of granting the certification, which is a guarantee of choosing well . Make sure your advisor has it.

 2nd. Is it 100% independent?

 You must be clear that the function of a financial advisor is not to sell products . His role is to put himself in your shoes and recommend you with neat impartiality what is the best thing you could do with your money at all times. However, it may happen that the so-called professional receives some kind of reward for encouraging investment in certain financial products. The guarantee of success cannot exist but the honesty and transparency of your advisor, that they do not slip it to you .

 3rd. How much experience do you have?

 How long has it been in the ointment? The experience of an advisor gives him an extra capacity of intuition, a kind of sixth sense to make better decisions for your money. But beware, there are very expert young people and seniors who seem to have just left college; experience and age do not always go hand in hand. Try to contrast the information and look for opinions .

 4th. How do you charge?

 There are many possible ways to pay an advisor their fees. It can charge you a commission , that is, take a percentage of your profits, charge a fee for its services or sell its services by the hour for specific consultations, which one suits you best? Evaluate and decide.

 5th. How often will you have contact?

 It is important to know if it will be at your disposal when you need it or how often it will give you information about the status of your portfolio. Both parties must be clear about it to avoid misunderstandings.

 6th. Does it know and adapt to your investor profile?

 Each person has a different investor profile . Risk aversion varies not only between people, but even depending on the different life situations of a person. A good advisor is able to recognize it and adapt her advice to your needs.

 7th. And we're not talking about how much it costs?

 We have not mentioned price in the entire article because a good advisor is not expensive or cheap for what they charge . An advisor may seem very cheap and his decisions end up being very expensive. Or vice versa, and that an advisor that seems expensive becomes your best investment. In the latter case, you can say that you have chosen a good advisor. Do you need extra help? We have our fast credits with which we offer you up to 1,000 euros (300 if it is the first time you request it) so that you can easily face any unforeseen event. In 10 minutes and with hardly any paperwork!

 

 

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How to improve the liquidity of a company? Know the key elements

 Having enough cash is of vital importance to reach the level of growth and development desired by a company.

 To advance in an efficient financial planning of any business, it is important to be clear about the concept of liquidity.

 1. What is liquidity?

 It is the power that assets have to be transformed into cash without reducing their value.

 There is no asset with greater liquidity than money.

 There are other terms that are used as "liquid assets" to refer to money and assets that change to cash.

 It should be clarified that liquidity has two dimensions in elements other than money:

 The time it takes for the asset to become money

The degree of certainty with the value and the reason for the conversion

 2. What makes up liquidity?

 For economists, liquidity is the amount of money that is circulating.

 Monetary aggregates are there to manage everything related to the use of resources by companies.

 There are also financial instruments that are added to set the volume of liquid assets.

 3. Risks

 The inability to honor short-term payment commitments by a company is what we call liquidity risk.

 The main variable with which a company works on a daily basis is the estimate of cash that they must have to fulfill their responsibilities.

 4. Internal mechanisms for control

 Without strategies that allow a positive management of liquidity, a policy that helps the company on a daily basis will be necessary.

 There are several measures that could help a lot. Generally they are used for any company, but they also vary from the needs that are sought to be covered:

• Supervision and audit

• Open access to credit

• Implement an appropriate structure for management: administrative council, information system, measurement and monitoring.

• Contingency plans

5. Importance to obtain credits

Not having how to improve the liquidity of a company causes delays in honoring commitments, causes interest to rise, embargoes are established and, in some cases, the closure of businesses.

To guarantee the solidity of a business, it is essential to have good assets, since with them the necessary commitments are achieved to achieve success.

There is no better letter of introduction in a John Labunski financial advisor that the company has good liquidity.