Beth Blecker, RFC, president and CEO of Eastern Planning (CEO) and his son, president of planning, Matthew Blecker, MBA, has started a company in the CFA? , PCP? Prominent New York asset manager, Matthew and Beth was as an expert in financial planning industry. They put together a resolution of 12 financial planning to help you control your financial future in 2012.

12 years of investment Resolution 2012:

1 .???? FY 2012 has a clear and concise. I want a credit card that I was not good enough to say, paid a lot of money in the bank. Instead, you should say, I paid $ 0 to more than $ 500 in my savings account balance on my credit card was completely funded the IRA.

2 .???? it a priority to your debts. We are all created equal liabilities. Make a list of your debts, to organize the annual interest rate. Speed ​​(probably your credit card debt) must be paid to those with immediately. On the other hand you have to pay more than 19 percent annually, it is good to invest money. Some debt is good debt. It is good if you bring your income and liabilities. When you purchase a rental property you will pay the mortgage, to get a passive income from rent is considered a good debt.

3 .???? open the IRA. If you have not tried it yet, individual retirement account (or for short IRA) to open. Your financial planner or accountant should be able to tell whether it is best for your traditional or Roth IRA. Both provide a significant tax advantages can add up to significant amounts of money for retirement. Until 15 April 2012 tax year to open a 2011 IRA you have.

4 .???? automatic savings plan registered. Automatic savings plans are now available for the binding of all brokerage account. Call your financial adviser just want a certain amount every month to check on a particular date or deducted from your savings account, and tell him / her and credited to your investment account. Since the money comes directly from your bank before it can get you to like this, you will need to be saved.

5 .???? verify your retirement to work. Can you please post your check is big enough to afford it. Pay yourself first. If it is not included in your salary is not be missed.

6 .???? help close the account. Banks and financial institutions, charge a fee for everything under the sun. Is it really necessary to have a credit card or checking account for some? There are exceptions, in most cases, the answer is not on the farm! Things to look at the big picture: Please imagine your bank charges $ 8 per month for your checking account. In 30 years, will be added to the $ 2,880 through $ 8.

7 .???? to collect your change. Whenever you shop with cash, money not spent a whole dollar. Once tickets are $ 67.39 and go to the grocery store you pay $ 70 in cash or coins. The first thing you have when you come home, if you comply with this policy, large containers (empty water jug ​​is perfect.) Is to throw money to spend all of the changes No, you could save thousands of dollars throughout the year.

8 .???? give money. One of the most effective way to achieve value for money is to give him. Get your next paycheck (U.S. dollars in your pocket, it is simply writing a check for you and take half of that paid by cash will look more realistic than using a debit card) . Go to the cafe, customers pay for other online anonymously. While it gives a better sense of your financial freedom is a powerful and effective way to change the lives of others for the better. Suddenly, you realize that you have included a promise of $ 20.

9 .???? to record your expenses. One way is to start using personal finance software. Knowledge is power. There are many personal finance software packages available that can teach you a lot about where your money is spent where and how to do.

10. Please read the financial books each month. If you 学Bitakere cook, read cookbooks. If you want to learn how to fix the engine, you will be asked to show you. The printed word, it is wonderful in that it is possible to communicate directly with the best minds of your financial past century. Very good advice for the 2012 financial time bomb in your first reading is retirement savings. . . Ed Slott and (March 1, 2012, Viking Adult) How to relieve it by.

11. To manage expectations. Bears should be wary of swine Ofita that you can not bull. We have been blessed with an unusually high rate of return in the 1990s, they were just that: special. To manage expectations is just the opposite of reality. Whenever we do a little better than average in the low risk, we are doing very well.

12. That doing so, please keep in mind that what you are. localwill taxesincome, real estate, and perhaps higher, or management over time. Despite all the hype, our federal state and local taxes, perhaps they will be less of concealment is not the only way you can change. Your tax planning as it does not exist, is not so good at.

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Corporation, member FINRA / SIPC. Advisory affiliates, Ltd., provides investment advisory services to registered investment advisors. Eastern Planning, Inc., and insurance services offered through the dealer is not registered as investment advisers. A single entity, the Royal Alliance Associates, (bottom)

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