Retirement Planning – Global Economic Crisis

Retirement Planning – Global Economic Crisis

Retirement Planning, Personal Finance and Social Security

Retirement Planning – How to Build Your Retirement Plan

RetirementSuccess is how high you bounce when you hit the bottom” What is success? Success begins with how you think. No one can just “think” their way to success – they must ACT to make it happen.

Thinking about changing careers because you are discontent? The statistics show that 80% of people age 45+ consider changing careers. Almost half of adults are not completely satisfied with the requirements, lack of flexibility, risks and compensation of their current jobs. Many of these individuals will consider changing careers.

Read These Staggering Statistics:

Thinking of retirement at 50? Early retirement planning requires a savings and investment plan that begins early in life. Most of the population has less than $5,000 in the bank for early retirement.

Most people plan to retire in their mid-60s. This is the age range when Social Security benefits become available. At age 65 63% of people are dependent on Social Security, friends, relatives or charity. Only 3% will still be working (most can’t afford to quit and work until they are no longer physically capable) and only 4% will have adequate capital stowed away for retirement.

Retirement
Statistics
Data
Average retirement age 62
Average length of
retirement
18 years
Average savings of a 50
year old
$43,797
Total cost for a couple
over 65 to pay for medical treatment over a 20 year span
$215,000
Percentage of people
ages 30-54 who believe they will not have enough money put away for
retirement
80%
Percentage of Americans
over 65 who rely completely on Social Security
35%
Percentage of Americans
who don’t save anything for retirement
36%
Total Number of
Americans who turn 65 per day
6,000
Percentage of population
that is 65 years of age or older
13%
Out
of 100 people who starts working at the age of 25, by the age 65:
Will be considered
wealthy
1%
Have adequate capital
stowed away for retirement
4%
Will still be working 3%
Are dependant on Social
Security, friends, relatives or charity
63%
Are dead 29%
Americans
older than 50 account for:
Percent of all financial
assets
77%
Percent of total
consumer demand
54%
Prescription drug
purchases
77%
All over-the-counter
drugs
61%
Auto Sales 47%
All luxury travel
purchases
80%
Amount
Needed in Savings For Retirement
Monthly
income need
Savings
Needed for 20 Years
Savings
Needed for 30 Years
$1,000 $166,696 $212,150
$2,000 $333,392 $424,300
$3,000 $500,087 $636,450
$4,000 $666,783 $848,601
$5,000 $833,479 $1,060,751
$6,000 $1,000,175 $1,272,901
$7,000 $1,166,871 $1,485,051
$8,000 $1,333,567 $1,697,201
$9,000 $1,500,262 $1,909,351
$10,000 $1,666,958 $2,121,501
The above sums assume your portfolio will earn a 6 percent annualized return during the course of your retirement and endure 2 percent annual inflation erosion.

“Mind To Mind ZOX Pro Information Research”

 


At the present time, it is impossible to support a family of two working full time at minimum wage! To think about retirement at this point is impossible.  For the first time in history, the current generation is averaging a lower standard of living than their parents! Automation is taking layoffs to record highs!

Personal finance money MSN reports that you may never retire: The U.S. government has already acknowledged that the official retirement age will need to increase further than the already-revised 67 years. “Retirement ages will have to move to 70, 80 years old,” “making pensions, medical services more affordable. They will keep people working longer and will take that burden off of the youth.”

The Bureau of Statistics says that out of 100 people that start working at the age of 25, by the age of 65…

– 1 is wealthy

– 4 have enough money to retire

– 63 depend on Social Security or charity

– 29 are deceased

95% of people, age 65 and over cannot afford to retire and work until they die!!

And that’s only IF they have jobs to be able to work.

Economically for Retirement

Even huge corporations are SLASHING employees to the minimum …more than half their work force will end up out on the streets looking for a new source of income. No wonder we have lost our faith in “Big Business”

In John Paul Getty’s book, “How To Get Rich,” his first rule for success is, “You must be in business for yourself.  You will never get rich working for someone else.”

We heard about one highly qualified engineer who ended up out on the street after giving 25 dedicated years to his job. His advice?

“Don’t do what I did — wasting 25 years building equity in someone else’s business. Do yourself a favor and start building equity in yourself now!”

Growing Concentration of Wealth

The world’s millionaires and billionaires now control 38.5% of the world’s wealth. Even in the Global Economic Crisis, most of these people were not affected. Even if some did feel the crunch it is still only 1% in control of the global wealth.

So, with only 1% of the people really being in control of most of the world’s wealth, then 99% of the rest of the global population must struggle over the leftovers.   I am reporting the news, not taking sides.

Start making a change for yourself in self-reliance start your retirement plan now, ask yourself, “What should I do? Where do I start?” You can start by providing yourself with GOOD information, fast!

I realize that many of you don’t want to spend the time and energy to learn a new system that provides the tools you need.  In that case, you will most likely remain one of the 99% of working class that does not have a viable retirement, and you will definitely never be in the 1% that controls the wealth of the world.

You may get along very well, even though you do not have this system under your belt.  But, you could also be looking back 5 or 10 years from now, saying, “What if I…”

I don’t like painting the picture of Global Evils that are sitting on the threshold of your doorway.  There are already too many people that are doing that for you daily.  You can start with the media.   I would just like to help you become prepared to deal with things, instead of sticking your head in the sand and hoping it all goes away.  The truth – It WON’T go away.

I know that people from all walks of life benefit in many ways from ZOX Pro Training (Mental Photography).  I have no doubt that you would benefit too. I want everyone to have a happy and sustainable life. What if this training is the key to you having a better life; and you dismissed it.  I strongly urge you to take your next step forward.  Don’t stand in the way of what could be yours.

Longing for better circumstances? – Start ZOXing

 

Great Things Happen Here!

Information Overload – Killing Your Brain?

Information Overload – Killing Your Brain?

Information Overload, Reading and Photographic Memory

Overwhelmed by information overload? Take a look at this!

According to statistics from WorldWideWebSize.com there are 7.39 billion pages on the internet and only 2,267,233,746 internet users. It is estimated that it would take one person 31,000 years to visit all sites available to them online without any sleep.

 

 

“Mind To Mind ZOX Pro Information Research”

 

 *GYB = Sorted on Google, Yahoo! and Bing
*YGB = Sorted on Yahoo!, Google and Bing

What would happen if you decided to become an expert in your chosen field? You would have to learn the information it takes to become that expert by reading information. We can’t just open a book and read it to become an expert. It takes at least four years of institutional studying, reading and due diligence. Or is there another way?

Where to find the information? On the Internet! But, you are still stuck with reading. Your PC can provide volumes in minutes, but you are still stuck with that same old way of doing things.

Using Your Photographic Memory for Internet Information

By the time you read the information available to make you an EXPERT in your chosen field, most of that information would be obsolete.

Let’s put your brain to work.  If you were to reverse-engineer what we have just covered, where is the bottleneck?  What is stopping you from covering the required information in only a little time?

The bigger the internet gets, the more information there is. The more we want to consume it. This has to stop somewhere. And it will.

Reading

The biggest problem here is it stops you from taking ACTION. When you try to consume more and more information every day, you start to notice that even though you’ve been reading tons of articles, eBooks, press release and so on the stream of incoming information seems to be overwhelming.

Therefore, you most likely will convince yourself that you need to be on a constant lookout for new information if you want to be able to accomplish anything in your life, work and/or passion.

What is your reading average – Photographic Memory

Reading speed averages ~250 words per minute – usually less than one page in a minute.
Wouldn’t it be nice if you could cover information like a living breathing computer, accessing millions of words per minute?  Wouldn’t it be great if you could be filling your mind with 25,000, 100,000, even 200,000 words per minute?  What about that photographic memory that you were born with?

Well, you better not take too long to think about it.  You are not just being left in the dust; you are buried and pushing up posies!  Watch out, another day gone,  here comes another billion pages at you.

I Don’t Read, I ZOX !!!

 

Integrity and Wellness – The Healing Power Of Truth

INTEGRITY – Your Life Line

Integrity, what does integrity mean to you?  I want you to make a list of the qualities that you believe develops or supports your integrity.  It’s important that you don’t use others beliefs as your benchmark – you need to dig deep inside yourself and come up with your own values.

If you compare yourself to others – you may find it hard to ‘stack up’ to the examples they set OR you may find their examples to be less than stellar and that you shine as a result (giving little motivation to improve).  Either way, you will find it best to look for your own set of values.

Integrity does have one common theme – TRUTH

Once you have that set of values, I want you to “embrace your truth!” This means you need to come to terms with who you are and how you think about things, today. Appreciate the journey you have experienced to date and the lessons you have learned. Remember, the obstacles that you have encountered have molded you into the person you are today so, make the most of the growth you have experienced, but it’s equally important to be honest with yourself as well (after all, life isn’t all roses) thus, building integrity.

Embracing your truth and rejoicing in your journey doesn’t mean you have to broadcast your innermost secrets publically – in fact, it’s an individual exercise that shouldn’t be shared.  In doing this integrity exercise, you will find and embrace the marvelous human you are and will, most likely, look at the world differently. You may find you treat others differently than you have previously – and this is a good thing.  Remember – under the Law of Attraction, how you treat others will be reflected back onto you!

The Impact of Integrity on Your Health

Your body, mind, and spirit become weak and STRESSED when you don’t know yourself, it is like living a lie. You lose integrity and toughness and can easily come under attack from Dis – Ease (this means NOT being at ease, translate it as “disease”). When your body, or you, is under stress – you output less, meaning you aren’t as effective or efficient in any of your undertakings.

When you “live your truth” and start embracing the person you are (or are striving to be), you gain resilience and are much stronger, it all means that you have integrity. Your mental, spiritual, and physical selves will all show a significant difference and, as a result, you can ward off disease of all types and become healthier overall. Naturally, this doesn’t guarantee that you will never get the flu or other diseases however, if you do catch flu or colds they will be less severe, and likely be shortlived, because your ability to fight disease is much greater.

This is what you gain by having your integrity.

When you gain integrity, you also gain momentum that you can use for the things you want to achieve. Your health can (and will) be repaired with your new found energy.

Great Things Happen Here!

Pheromones – Does a Law on Human Attraction Exist?

Pheromones – Elixir or Myth?

Some of you may find this article intriguing. Some may find it disgusting. And some may just find it a bit “on the nose”! But, you need to think, where would we all be without our olfactory sense?

“Opposites attract” is a law of attraction, at least where electromagnetism is concerned. But are there laws about attraction between two people? For men, It is a thinking that How to mentally attract women? “In a world that is full of strangers” as a line in a famous song of the 1980’s goes, is there a clear set of rules that allows two people to fall for each other? Romantic passion stays active for about 2 weeks. Is that the time it takes for us to get accustomed to the pheromones of the other person? e.g. female pheromones to attract men.

Do Pheromones actually work? Is attraction a matter of chemistry?

Chemical effects of Pheromones

Maybe. According to scientists, the attraction between animals of the opposite sex is all about chemicals called pheromones. The effect of pheromones in behavior of insects is the most studied to date. It has been observed, at least in some experiments, that pheromones are responsible for communication among same species and colony of ants. The horrible odor released by skunks to ward off enemies is said to be a kind of pheromone. Some species of apes rub pheromone-containing urine on the feet of potential mates to attract them. Some scientists believe that animals (usually the females) such as insects and mammals send out these chemical signals to tell the male of their species that their genes are different from theirs. This gene diversity is important in producing offspring with better chances of survival. The perfume industry has capitalized on pheromones as a means to increase one’s sexual attractiveness to the opposite sex. Animals such as the whale and the musk deer were hunted down for these chemicals.

Lately, scientists are looking into the existence of human pheromones and its role in mate selection. There are many conflicting views in the realm of biology, chemistry, genetics, and psychology. Most scientists would assert that these do not exist, or if they do, do not play a role in sexual attraction between a man and a woman. But new researches such as that conducted by Swiss researchers from the University of Bern led by Klaus Wedekind are slowly making these scientists rethink their stand. Their experiment involved women sniffing the cotton shirts of different men during their ovulation period. It was found out that women prefer the smell of men’s shirts that were genetically different, but also shared similarities with the women’s genes. This, like in the case of insects and other mammals, was to ensure better and healthier characteristics for their future children. But researchers also cautioned that preference for a male odor is affected by the women’s ovulation period, the food that men eat, perfumes and other scented body products, and the use of contraceptive pills.

Does personality figure in sexual attraction?

Yes, but so does your perception of a potential mate’s personality, there are four basic personality types. According to a research conducted by Klohnen, E.C., & S. Luo in 2003 on interpersonal attraction and personality, a person’s sense of self-security and at least the person’s perception of his/her partner were found to be strong determinants of attraction in hypothetical situations. What does this tell us? We prefer a certain personality type, which attracts you to a person. But aside from the actual personality of the person, which can only be verified through close interaction through time, it is your perception of your potential partner that attracts you to him/her, whether the person of your affection truly has that kind of personality or not. How much do ‘unseen’ pheromones play a part in the continued affection? This could probably account for a statement commonly heard from men and women on their failed relationships: “I thought he/she was this kind of person.”

So how does attraction figure in relationships?

You have probably heard that attraction is a prelude, or a factor towards a relationship. Most probably, at least in the beginning; but attraction alone cannot make a relationship work. It is that attraction that makes you notice a person from the opposite sex, but once you get to know the person more, attraction is just one consideration. Shared values, dreams, and passions become more significant in long-term relationships.

So should I stop trying to become attractive?

Smelly Pheromones…

More than trying to become physically attractive, work on all aspects of your health: physical, emotional, mental, and spiritual. Physical attraction is still a precursor. Remember, biology, including pheromones, predisposes us to choose the partner with the healthiest genes. Where your emotions are concerned, just ask this to yourself: would you want to spend time with a person who feels insecure about him/herself? Probably not! There is wisdom in knowing yourself: who you are, your beliefs, values, and dreams. And do not pretend to be someone you are not. Fooling another person by making him/her think that you share the same values and beliefs is only going to cause you both disappointments. When you are healthy in all aspects, attractiveness becomes a consequence and not an end. As mentioned in the Klohnen and Luo’s research, a person’s sense of self-security matters, perhaps even beyond attraction. But remember: do these things for yourself and not for other people. Only then can you truly harness your attractiveness as a person.

Great Things Happen Here!


The Secret Law of Attraction, Depression & Focus

Depression and Focus

Depression will be my topic for today and its effects on the decision making process; and focus and its relationship to the Secret Law of Attraction. In my another article, I discussed gaining Clarity and the decision making process.

Let’s recap:

“The Law of Attraction is based on ‘sympathetic vibration‘ and anything that disrupts this flow of  energy,  will cause the flow to stop.  If a person is clear of inhibitions and beliefs that throw a wrench into the gears, then the opportunity to achieve the preferred outcome is much better.”

One of the things that can disrupt the flow of energy is depression and the use of anti-depressants.  It’s a sad fact, but many people take anti-depressants to help them get through the day. However, Anti-depressants are not really focused to your problem or tuned to your brain and they may cause changes in other areas of your life.

The results of anti-depressants on your depression issues vary depending on the issues you experience and your tolerance to the side effects – there is always a trade off.  For example:  Let’s assume, you want to overcome depression so you are given anti depressants to counter the constant exhaustion you are feeling at work, and the upheaval this causes at home.  You start feeling better and you start being out of your depression – you’re more agreeable in the work place, you’re getting along with your partner and your libido ramps up… sounds great doesn’t it?  However, despite the increased libido, you just can’t perform in bed – it’s like a switch has been turned off.  That’s what I mean by a trade-off – some parts of your life improve, but others will be affected.

Did you realize that what you are eating & drinking may have an effect on the depression you experience particularly drugs, alcohol and even caffeine?  Studies on Attention Deficit Disorder & Hyperactivity have also shown that foods with additives, sugars and artificial colors and sweeteners all have adverse effects on normally healthy people.

Stop now and consider how what you are eating and drinking may be affecting you. Clearing depression from your mind and body is a key to help you make good decisions in your life and tap into the Law of Attraction.

Focus and Resolve Depression

Once you’ve addressed what you eat and drink as it might be the ones that cause depression, you need to focus so you can keep your eye on the prize. It’s important that you don’t let others or things bother you – develop your resolve.

Now, this is really where The Secret kicks in – most people don’t realize that you must participate to attract what you want in your life. The participation that I’m talking about is in the setup, and many feel that there is more energy required in the setup, than in the actual doing thus resolving depression.  By setup, I mean developing Your Clarity.

Activating the Secret Law of Attraction needs attention. So, focus, be resolved in your depression and believe that you can do this.

 

Great Things Happen Here!

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