Recalculating Your Returns For Retirement Planning With Saen Higgins

Recalculating Your Returns for Retirement Planning with Saen Higgins

by

Saen Higgins

Many Calculation Models for retirement savings base their figures on an 8% return. Given our current economy, it s probably safe to say that 8% may be a bit optimistic, states Saen Higgins, President of Wealth Without Risk and leading expert on tax lien certificates. He adds, With the stock market performing dismally over the past few years, it s becoming increasingly obvious that there are no guarantees when counting on market returns .

Most retirement planning calculators figure your potential financial condition based on the amount of money you have, how much you can save and how much you ll need for your future. If you follow the typical rules that most stockbrokers abide by, you ll have a portfolio of 60% stocks and 40% bonds. Based on current yields, you ll get a total return of about 6%. Should the market continue to improve slightly over the coming years, you might get as much as 7% on your investment. Still, there are no guarantees in these investments.

[youtube]http://www.youtube.com/watch?v=-B0re9FRwX8[/youtube]

A lot of other factors can impact your numbers, such as your age and future market rates. The thing to keep in mind is that a solid and varied investment portfolio, needs to include not just stocks and bonds, but investment options that can guarantee a 16-24% rate of return, Higgins continues. Tax lien certificates are the ONLY investments that are not only guaranteed, but are paying unheard of interest rates.

If you d like more information on investing in tax lien certificates or tax lien deeds, please visit

higginsnow.com

. Saen conducts workshops and training seminars all over the world. Reserve a seat at his next workshop by calling 1-800-882-0467. You ll be making an investment in your own future. Find us on Facebook at Saen Higgins Fan Page.

Saen Higgins is the worlds leading authority on investing in tax lien certificates. He is the only expert speaking and training on tax liens today that actually continues to invest in tax lien certificates himself. A self-made multi-millionaire, Saen has inspired audiences around the globe with his wealth building strategies.

higginsnow.com

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Fire at historic Welsh ex-hotel Bontddu Hall kills one

Saturday, June 6, 2020

A fire broke out yesterday at Bontddu Hall near Dolgellau in Gwynedd, Wales. The historic mansion is a former hotel with high-profile guests. A rescued woman died at the scene.

North Wales Fire and Rescue Service were called to the building, located off the A496 overlooking the Mawddach Estuary in Snowdonia National Park, at 09:09am local time. Resources sent included appliances from Dolgellau, Harlech, Barmouth, Bala, and Blaenau Ffestiniog according to a fire service statement, as well as an aerial ladder platform, high volume pump, and the service’s incident command unit.

Police, the ambulance service, and an air ambulance also attended. Photos and video from the blaze showed thick smoke with flames visible at windows. The fire service indicated an investigation working alongside North Wales Police was underway. Bontddu Hall recently underwent building work and scaffolding was still erected at the time of the fire.

Bontddu Hall dates to 1873, originally a 20-room mansion, and was a country retreat for the Mayor of Birmingham called Bryn Tirion before becoming a hotel. Guests include regular visitor ex-UK Prime Minister Neville Chamberlain and actor Richard Burton who stayed at Bontddu Hall while filming his 1949 movie debut The Last Days of Dolwyn.

The hotel closed around fifteen years ago, with local press reporting in 2004 then-new owner Tong Yung-soo, who had purchased Bontddu Hall in 2001, and his wife applied to make it a residence once more. The move was met with what WalesOnline called “fury” from local tourism chiefs. The then-manager of Barmouth Publicity and Director of Mid Wales Tourism Partnership, David Clay, called it “a retrograde step” and said “[a]n area like this cannot afford to lose such a quality hotel.”

The Tongs indicated issues staffing the hotel, something Clay recognised, and Mr Tong had said they intended to “restore the hall to its former glory.” Following the hotel’s closure it has remained a private home.

Retrieved from “https://en.wikinews.org/w/index.php?title=Fire_at_historic_Welsh_ex-hotel_Bontddu_Hall_kills_one&oldid=4573576”

Train derailed by collision with semi in Saskatchewan, Canada

Tuesday, March 22, 2005

Twenty-four cars of a west-bound Canada Pacific train were thrown from the tracks after the train collided with a semi tractor-trailer in poor weather and visibility near Regina, Saskatchewan around 11 a.m. Tuesday morning. The driver was rushed to hospital.

The accident took place on a level section of Highway 46 just north of Highway 1, about 25 kilometres east of Regina. The RCMP spokesperson reported the crossing is marked with lights, but weather may have played a role.

“Road conditions were wet and sloppy and it’s foggy,” RCMP Cpl. Brian Jones said to the CBC. The bad weather, including a heavy overnight snowfall, may have contributed to the accident.

Most of the 93 cars in the train were empty bulk transit cars, used for moving agricultural products such as grains. The RCMP report that neither train or truck were transporting any hazardous materials.

Retrieved from “https://en.wikinews.org/w/index.php?title=Train_derailed_by_collision_with_semi_in_Saskatchewan,_Canada&oldid=4573771”

Bronx, New York church destroyed in suspicious blaze

Monday, March 8, 2010

Second-alarm flames engulfed a Bronx, New York church, St Nicholas of Tolentine, just before noon on Friday, forcing its pastor and seven worshippers into the streets.

The blaze began in a confessional-converted-storage room near the vestibule of the church. “I rushed over and smoke was billowing out,” said Father Joseph Girone. Girone rushed parishioners through the church rectory door as the entrance had been blocked.

Over 100 firefighters fought the blaze, and several reported minor injuries due to ceiling collapse.

Fire Department (FDNY) officials immediately suspected arson. “The fire accelerated rapidly [and] it was a heavy fire that didn’t have the normal flow of a fire”, said FDNY Deputy Chief Kevin Scanlon. Investigators are determining whether the fire is related to a series of church burnings that have been occurring across the borough.

Parishioners are distraught by the destruction of their beloved church. Father Joseph Tran said, “The whole vestibule is damaged. The ceiling, the walls and the doors”. Isabel Gonzales, a regular attendant for 28 years, said, “I feel sorry and I want to cry because this has been my home away from home for a long time”. A church official reported that it was too early to determine construction lengths or repair costs.

Devoted worshippers promised that they would hold a “Stations of the Cross” gathering outside on Friday night.

Retrieved from “https://en.wikinews.org/w/index.php?title=Bronx,_New_York_church_destroyed_in_suspicious_blaze&oldid=4504143”

What To Do If You Have Student Loan Debt

By Johnathan Cunnings

Many students hate the part of graduating because they know that they are going to have some serious bills to pay later. There are so many that have had to take out loans of all types in order to pay for college. However, you might not know what to do if you yourself have student loan debt. There are a few things you can do.

The first thing when you have student loan debt is to remember that you do have a grace period. So, as soon as you graduate, you should start looking for a job or set some money aside. This can help you greatly with this. This will allow you to pay the balances. You want to remember that you want to be on time due to the fact that this does cost you so much money.

[youtube]http://www.youtube.com/watch?v=ESGUeOijpH4[/youtube]

If you fall behind then you really need to be sure that you call them and let them know what is going on. Many of you will find that there are some of you who can work out something. If something unexpected happened, you can easily call them and let them know that something came up that you haven’t planned on. They can offer you a deferment or a forbearance where you don’t have to pay for a certain amount of time. You can pay as much as you can, but then when the time is over, you resume making payments. This has helped many who have had student loan debt. There are all sorts of them out there as well. They have a temporary hardship or many others such as an economic hardship for those of you who are pressed due to the fact that you can’t find a job.

If this can’t be worked out as you might not qualify for this, you can still work with them. You can set up a payment plan that can help you along the way. They can work something out that you pay a bit less. Many have done this due tot he fact that they might not make as much as their monthly payment which is due. They have the room to work with you though and you should work with them.

Those who fall behind and have student loan debt on a major scale will find that this can hurt them in the long run. They can actually go to garnish wages when or if you do get a job. The other thing you will find is that during this time, you will find that this goes on your credit score as not being able to pay. These are things that will not help you in the long run and need to be avoided at any cost. Student loan debt is nothing that you want to play with so anything that you can do is beneficial to you. You also have the option in some cases of consolidating debt which will give you a lower monthly rate which you will have to pay.

About the Author: Are you looking for more information regarding

Student Loan Debt

? Visit

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today!

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Countries around the world send aid, help to Haiti

Thursday, January 14, 2010

Countries and organizations from around the world are sending aid and help to victims of the devastating 7.0 magnitude earthquake that struck Haiti on Tuesday, damaging many buildings. The death toll is currently unknown, but estimated to run into the tens of thousands of people.

US president Barack Obama said in a press conference that “I’ve directed my administration to launch a swift, coordinated and aggressive effort to save lives and support the recovery in Haiti.”

Obama announced that aid from the US armed forces was coming to Haiti, noting, “Several Coast Guard cutters are already there providing everything from basic services like water, to vital technical support for this massive logistical operation.”

Obama continued: “[…] today, I’m also announcing an immediate investment of $100 million to support our relief efforts. This will mean more of the life-saving equipment, food, water and medicine that will be needed. This investment will grow over the coming year as we embark on the long-term recovery from this unimaginable tragedy.”

Obama said that the US would forge partnerships with Haitian people and Haitian-Americans, along with United Nations peacekeepers. He closed by saying, “To the people of Haiti, we say clearly, and with conviction, you will not be forsaken; you will not be forgotten. In this, your hour of greatest need, America stands with you. The world stands with you.”

The UN Secretary-General, Ban Ki-moon said that $10 million is being released from the international organization’s central emergency response fund.

Meanwhile, the UN’s World Food Programme (WFP), which already has an existing operation in the country, is beginning to distribute high energy biscuits which require no preparation before eating. On top of that, the WFP is airlifting 86 metric tons of food from their emergency hub in El Salvador.

A spokesperson for the WFP said, “In a normal day the World Food Programme will be feeding one or two million people in Haiti — and now we need to do even more, because the people have lost everything.”

China is also pledging aid to the country, despite the lack of official diplomatic ties between the two countries. Haiti recognizes the Republic of China, better known as Taiwan. Nevertheless, China has sent a 60 member search and rescue team to Haiti and the Chinese Red Cross is donating one million dollars in emergency aid.

Chinese Foreign Ministry spokesperson Jiang Yu said her country expresses sympathy to the Haitian government and people. Jiang says the Chinese foreign minister has sent a telegram of condolence to his Haitian counterparts.

An 80 member team from the United Kingdom of search and rescue specialists has arrived in Haiti to help in efforts there. British Prime Minister Gordon Brown said in a joint press conference with Toaiseach of Ireland Brian Cowen that the team has arrived in the country. He also announced that the government is pledging to match the UN’s US$10 million (£6.1 million).

Brown said, “It is a tragedy beyond imagination and there is a deep sense of loss felt by the whole of the British and Irish people about the tragedy that individual families in Haiti are experiencing at the moment. We send our message of sympathy and support to the people of Haiti at this most difficult of times.”

He added, “Where men, women and children are suffering under the heaviest of burdens, that place must, for that moment, become the centre of our world’s attention, the world’s compassion and the world’s humanitarian help.”

France is also sending aid to the French-speaking country, which at one time was a colony of France known as Saint-Domingue. France is sending two planes with rescuers and aid. Civil safety authorities in France are sending a team of 130 members consisting of rescuers, trained rescue dogs, doctors and nurses along with 12,000 tons of aid and rescue supplies.

Israel is sending rescue forces in two El Al planes carrying a 121-member delegation that includes 40 doctors, five search-and-rescue teams, and an army rescue squad. The IDF medical teams are preparing to spend two weeks in Haiti.

Spain has pledged $4.3 million (€3 million) in aid money and has 150 tons of aid ready to be delivered.

South Africa is sending a team of search and rescue specialists to Haiti in response to the devastating earthquake on Tuesday. It is the first of several teams being sent by a local civic group.

The head of South Africa’s Gift of the Givers Foundation, Emtiaz Sooliman, says his group is sending up to three teams of search and rescue specialists to Haiti to help victims of the earthquake and hopefully save some lives.

“These are people who have worked with building collapses, urban search and rescue and some of them have been involved in responding to previous earthquakes so they are highly skilled,” he said.

Sooliman says a second team is to depart as soon as he can book a flight for it.

 This story has updates See Haiti relief efforts: in depth 

Retrieved from “https://en.wikinews.org/w/index.php?title=Countries_around_the_world_send_aid,_help_to_Haiti&oldid=4511259”

Wikinews Shorts: December 4, 2008

A compilation of brief news reports for Thursday, December 4, 2008.

File:Imsdal 33cl.JPG

On December 2, the Toronto city council voted in favor of banning the sales and distribution of bottled water on city property. The council also agreed to provide public drinking fountains on their properties, as well as on a measure that would make shoppers pay at least five Canadian cents for plastic grocery bags and force business owners to offer reusable bags and carry-out containers.

“Toronto’s decision to ban the bottle and turn on the tap sends a clear message that bottled water’s 15 minutes are up,” said Polaris Institute’s campaign coordinator, Joe Cressy.

All of the city’s facilities should be following the water ban by 2011, while businesses will have to implement their bag fees by 2010. Toronto has become the largest city in the world to ban bottled water on government property.

Related news

  • “Calls for bottled water bans grow in Canada” — Wikinews, August 23, 2008

Sources

  • “Toronto Bans Bottled Water” — CNW Group, December 3, 2008
  • “Toronto council approves plastic bag charge, bottle ban” — CBC News, December 3, 2008

On Tuesday, American actor, Patrick Swayze, who suffers from pancreatic cancer, denied reports that he was near death. American tabloid National Inquirer reported on November 28 that Swayze’s cancer had spread to his liver and that he was preparing for his death.

“The only thorn in my side being that many tabloids have been consistently reporting lies and false information about me and those close to me,” said Swayze in a statement to the press who also added that he knows he is in “the fight for his life,” but that it is a fight that he “is winning.”

“I’m one of the lucky few that responds well to treatment,” added Swayze.

Swayze has starred in over a dozen films, including the 1987 hit film Dirty Dancing.

Related news

  • “Wikinews Shorts: November 28, 2008” — Wikinews, November 28, 2008

Sources

  • “Swayze denies ‘deathbed’ rumours” — BBC News Online, December 3, 2008
  • “Patrick Swayze denies reports he is near death” — Reuters, December 2, 2008

Retrieved from “https://en.wikinews.org/w/index.php?title=Wikinews_Shorts:_December_4,_2008&oldid=4494611”

Congressman Cunningham admits taking bribes

Monday, November 28, 2005

U.S. Representative Randy “Duke” Cunningham (R–CA) pled guilty today to conspiring to take bribes in exchange for using his influence as a member of the House Appropriations Committee to help a defense contractor get business. In total he pled guilty to one count of income tax evasion and four counts of conspiracy, namely mail fraud, wire fraud, bribery of public official and accepting bribes. U.S. District judge Larry A. Burns scheduled Cunnigham to be sentenced on February 27. He is facing up to 10 years in prison and nearly $500,000 in fines, as well as forfeiture of unspecified amounts of cash and property.

In the court hearing, Cunningham admitted to accepting “bribes in exchange for performance of official duties” between “the year 2000 and June of 2005”, taking “both cash payments and payments in kind” and following up by “trying to influence the Defense Department”.

The federal investigation against Cunningham was triggered by his sale of his California residence to defense contractor Mitchell Wade in late 2003. However, Wade never moved in and sold the house at a $700,000 loss three quarters of a year later. At the same time Wade’s company MZM won tens of millions of dollars in defense contracts. Subsequent investigations discovered more questionable business transactions, including interactions with the defense contractor ADCS. In his plea agreement he testified that, among other charges, he “demanded, sought and received at least $2.4 million in illicit payments and benefits from his co-conspirators in various forms, including cash, checks, meals, travel, lodging, furnishings, antiques, rugs, yacht club fees, boat repairs and improvements, moving expenses, cars and boats.”

Cunningham announced his resignation after the hearing. In a written statement released by his law firm O’Melveny & Myers LLP he declared “The truth is — I broke the law, concealed my conduct, and disgraced my high office. I know that I will forfeit my freedom, my reputation, my worldly possessions, and most importantly, the trust of my friends and family.”

Retrieved from “https://en.wikinews.org/w/index.php?title=Congressman_Cunningham_admits_taking_bribes&oldid=3821383”

Junk Car Auction}

Submitted by: Harley John

Cars are always known for their extreme speed and style. They are of great help in convenient transportation as the individual need not depend on other external transportation devices that transport people according to the state law. Despite the fact that in order buy a car, an individual needs sufficient financial stability, more than half the population in the world dreams of owning a brand new car in their life. Who would not love to purchase a new four wheeler? There would not be anyone who dislikes them. To keep up with the pace of nation, the speed and power everyone wants to have them. Financial instability withdraws the people from buying a new vehicle.

Peoples affinity for cars is increasing day by day. They start to malfunction after several years of use and the thought of selling them to the junkyard comes to the mind. Even if the junkie fails to run efficiently, several parts of it can be utilized for another comparable model by selling it to mechanics or vehicle owners at a minimal cost compared to new spare parts. After such thought, they usually dont throw away the vehicles, instead sell them to automobile junkyards. It is hard to imagine how can someone pay for junk? It is very simple owing to the fact that the junkyard owners earn lot of money by reselling it to customers in need of it. Hence, selling the junk car allows the individual to buy a brand new by compensating with the amount attained after selling the junk car and complete relief from the headaches caused by the malfunctioning vehicle. The seller is assured to get a valuable amount on selling the junk car to the junkyard.

[youtube]http://www.youtube.com/watch?v=sH651baH7-c[/youtube]

It is very important to have knowledge on what all things are needed to sell junk car. The initial step is to obtain a worth vehicle title followed by establishing to sell the junk cars ownership with title containing the sellers name. Legally, dealing is accepted only from a relevant owner. Assessment of the vehicle being sold is very vital. Always a list containing damage and malfunctioning systems and any spare parts already removed should be made. Interior condition and tire wear should be evaluated prior to selling as the purchaser may ask numerous questions regarding the vehicle prior to offering an excellent purchase price.

Around $35 to $50 can be expected for a junk car, which is not functioning properly. The cost of a roadworthy vehicle is ten times higher than a non functioning vehicle. Hence, it should be repaired and made roadworthy before driving it to junkyard. Calling for quotes from the junkyard dealers in the neighborhood is another vital step. Each and every dealer should be contacted to quote the amount as it will help us decide who is offering the best amount.

The seller must always dispatch the junk car themselves to the junkyard either by using a tow dolly, tow bar or any other legal means of towing. So, the owner may get more amount of money for the junk car if towed by him. Sometimes, the company may send their tow driver to collect the vehicle and if they travel long distance for it, the owner has to pay for it. So, this is indirectly a loss for the owner. Some junkyards also offer free towing. They come to the owners place in person to collect the junk car. To sell junk car in certain places is extremely simple. Many junkyard dealers even send a representative to the owners location for inspecting the vehicle condition whether it is in functional or non functional state.

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Junk a car

There are a few points and tips that one has to keep in mind when going to car junkyard. People sell car for cash normally when it gives the problems like losing the value in the market and cannot be repaired.Click here for

Junk my car

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Egypt protests: Army say they will not use force on demonstrators as Mubarak announces cabinet

Tuesday, February 1, 2011

The president of Egypt has suffered a “devastating blow” after the country’s army announced they would not use force against their own people, who continue to protest against the government tonight. The news came hours after six journalists who reported on the protests were released from custody.

Hosni Mubarak yesterday announced a new cabinet, which does not include several figures who protesters largely do not approve of. Analysts have, however, suggested little had changed within the government; many positions, they say, are filled with military figures.

To the great people of Egypt, your armed forces, acknowledging the legitimate rights of the people … have not and will not use force against the Egyptian people.

In a statement broadcast on state media in Egypt, the army said: “To the great people of Egypt, your armed forces, acknowledging the legitimate rights of the people … have not and will not use force against the Egyptian people.” A BBC correspondent in Cairo said the announcement meant it “now seems increasingly likely that the 30-year rule of Mr Mubarak is drawing to a close.”

“The presence of the army in the streets is for your sake and to ensure your safety and wellbeing. The armed forces will not resort to use of force against our great people,” the statement added. “Your armed forces, who are aware of the legitimacy of your demands and are keen to assume their responsibility in protecting the nation and the citizens, affirms that freedom of expression through peaceful means is guaranteed to everybody.”

Earlier today, six journalists from the independent news network Al-Jazeera were released from custody after being detained by police. The U.S. State Department criticized the arrests; equipment was reportedly confiscated from the journalists.

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Egyptian officials yesterday ordered the satellite channel to stop broadcasting in the country. Al-Jazeera said they were “appalled” by the government’s decision to close its Egyptian offices, which they described as the “latest attack by the Egyptian regime to strike at its freedom to report independently on the unprecedented events in Egypt.”

In a statement, the news agency added: “Al-Jazeera sees this as an act designed to stifle and repress the freedom of reporting by the network and its journalists. In this time of deep turmoil and unrest in Egyptian society it is imperative that voices from all sides be heard; the closing of our bureau by the Egyptian government is aimed at censoring and silencing the voices of the Egyptian people.”

On Friday, Wikinews reported the government had shut off practically all Internet traffic both out of and into the nation, as well as disrupting cellphone usage. A spokesperson for the social networking website Facebook said “limiting Internet access for millions of people is a matter of concern for the global community.”

A reported 50,000 campaigners, who are demanding the long-time leader step down and complaining of poverty, corruption, and oppression, filled Tahrir Square in Cairo today, chanting “We will stay until the coward leaves.” It is thought 100 people have so far died in the demonstrations. Today there have been protests in Suez, Mansoura, Damanhour, and Alexandria.

Speaking to news media in the area, many protesters said the new cabinet did little to quell their anger. “We want a complete change of government, with a civilian authority,” one said. Another added: “This is not a new government. This is the same regime—this is the same bluff. [Mubarak] has been bluffing us for 30 years.”

In Tahrir Square today, protesters played music as strings of barbed wire and army tanks stood nearby. Demonstrators scaled light poles, hanging Egyptian flags and calling for an end to Mubarak’s rule. “One poster featured Mubarak’s face plastered with a Hitler mustache, a sign of the deep resentment toward the 82-year-old leader they blame for widespread poverty, inflation and official indifference and brutality during his 30 years in power,” one journalist in the square reported this evening.

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