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The High Cost of Procrastination - Wow!

The High Cost of Procrastination

Habitually putting things off might actually cost you money.

Habitually putting things off might actually cost you money? Consider the potential impact delays can have on your future. Wait to start saving for retirement and you could face a hefty price tag.

The 40 year old who wants to save $1 million by age 65 has to start putting away more than $1,000 a month. But a 20-year-old needs to save only $190 a month.*

Likewise, if you put off doing your taxes until April 14, you'll delay receiving any refund owed to you, money you could put to work promptly in an IRA. Many mistakenly consider the tax return as anticipated income, and use it for a vacation.

So how does one start to make a change? Take some baby steps. Each day or two, do something that increases your understanding about a change you might make. You can use free tools from many websites to help you with some of these things.

Identify shortfalls in retirement savings

Try out scenarios that show how increasing your contributions can affect your retirement

* This example is for illustrative purposes only. Assumes an 8% return on hypothetical investment.

Siberian Mission - Show of Commitment

LEHI, UT – A few short months ago, a parentless 19 year-old in a remote Siberian city suffered from lack of funds for schooling and a facial deformity called cleft lip that affects eating, breathing and social interactions. Despite these humble beginnings near the geographic center of Asia in Tuva, Russia, the young man, named Salan Solun-ool, was determined to make a better life. Upon a chance meeting with several distributors for XANGO, LLC, a global health and wellness leader in the direct sales industry, Solun-ool became a distributor himself to earn income for college. Little did he know, the introduction to XANGO would not only provide a unique business model for achieving his financial goals but also lead to free, life-changing surgery in nearby Ulan Ude, Russia, during XANGO’s award-winning 2010 Season of Smiles with Operation Smile, for whom the company is a long-time sponsor as part of its core commitment to changing lives.

“Salan Solun-ool’s story in Russia is a microcosm of what we’ve seen throughout the Season of Smiles – the strength of XANGO’s global network and the power that exists when many caring people lend their talent and resources to provide life-changing opportunities for others,” says XANGO Founder Joe Morton. “As a global company, XANGO encourages our employees, distributors and executives each to become personally involved in the ways that most resonate with them, from local volunteering to larger initiatives that reach every corner of the world.”

XANGO’s Russian distributors assisted medical volunteers in performing 55 surgeries for children and youth who suffer from cleft lip and cleft palate facial deformities, including Solun-ool. The mission in Ulan Ude followed similar trips to Tlaxcala and Guadalajara, Mexico, and Chonburi, Thailand, reaching a total of 450 children and youth in 2010. The initiative to provide free, life-changing medical care is emblematic of XANGO’s sense of mission to improve lives. With his surgery complete and a second year of college studies underway, Solun-ool is several steps closer to his dream of becoming a painter, quite a transformation from his days at the Siberian orphanage in which he grew up.

Solun-ool isn’t the only one to take notice of XANGO’s commitment to the greater good: XANGO’s partnership with Operation Smile also led to official recognition via a 2010 Communitas Award from the Association of Marketing and Communication Professionals in the category of Leadership in Community Service. The Communitas Awards recognize exceptional businesses, organizations and individuals who unselfishly give of themselves and their resources, and those who change how they do business to benefit their communities.

Morton notes, “XANGO is honored to be among the 2010 Communitas Awards recipients and will continue our work with Operation Smile to further our joint mission of changing lives, one smile at a time.” In Ulan Ude, Russia, Salan Solun-ool is smiling brightly as he contemplates his expanded world of possibilities.

Teens Buying or Leasubg a Car

Whether buying or leasing a new or used car, here are some things to consider:

• Know how much you have to spend
• Bring a trusted adult with you to the dealer, if possible
• Research model and options
• Shop for financing and compare costs, considering special offers and rebates
• Learn how to read the Buyers Guide stickers
• Learn about dealers’ reputation
• Find out what type of warranty comes with the car
• Find nearest repair facility that works on that model

See what vehicle you can afford

Story Credit Cards Can Establish Credit

4 reasons you should get a department store credit card
Often (and justly) maligned, retail store cards sometimes can help

For many years I warned friends and family against getting store credit cards. Now I read there are benefits that I was not aware, but can understand based on recent financial events in our lives. The banks. They've abused my trust in them, lowering my credit limit and then increasing my interest rate because I'm too close to the limit. Adversely affecting my credit score and then raising my rates again because of the score they caused. Twice in 6 months. Just burns me up.

Following is helpful information I found on Channel 19.

Store-branded credit cards have never gotten much respect -- often for good reason. The sky-high interest rates and short grace periods that often accompany the cards don't do consumers any favors. And because they're often touted as a quick way to save 10 percent or 15 percent on a purchase, people rack them up quickly, to the detriment of their credit scores, says Scott Crawford, co-founder of DebtGoal.com.* "Because they're a hard inquiry on your credit file, which can cost you about 30 points on your score, taking out these cards can drive down your score pretty significantly," he says.

That said, there are times when a store card may be a boon. If you're a savvy, responsible shopper who pays bills on time and in full, you might be able to reap significant benefits from store cards. Here are four reasons you might want to give a store card a second look.

1. You need to build (or rebuild) your credit. If you're someone with a "thin credit file," or you're trying to start fresh after a bankruptcy, your options are few. A crummy economy likely means that major card issuers will be even more skittish about extending credit to risky borrowers. In some cases, a store card may be one of your only options. "If you're trying to build your credit, the typical route has been to get a store or gas card," says Liz Weston, author of "Easy Money" and "Your Credit Score." "Traditionally, those have been easier to get. Though that's not always the case, it may be worth looking into." Once you've built up a few months' history, though, she recommends branching out into a card from a major issuer.

2. You can save big on a one-time purchase. If your purchase is in the thousands of dollars -- think furniture and remodeling projects and supplies -- that 10 percent discount can make a big difference. "If you've got excellent credit, you're not going to be in the market for a new loan, and you've got a purchase where the savings from the card would be more than $100, go for it," says Crawford.

3. You buy from the store frequently (and will use the coupons and perks). A one-time savings of $10 or $20 usually isn't worth a credit inquiry and the hassle of filling out forms. That said, if the store is one that you go to regularly anyway, the deals and ongoing perks may be valuable enough for you to sign up, says Scott Bilker, founder of DebtSmart.com. "If the store has good prices, a lot of stuff you like, and discounts that you'll use, then having the store card is a good idea," he says. Some stores include deals such as free alterations and gift wrapping that may also be useful.

Before you take the leap, though, Bilker recommends doing some comparison shopping: You may be able to get the same perks just by signing up for a store newsletter or getting rewards from a regular credit card.

4. You can get interest-free financing. In addition to discounts, some stores may offer interest-free financing -- a perk that may be worth it if you're doing it for convenience, not necessity, says Crawford. "Interest rate concessions for six months or a year can be a great deal for big purchases -- as long as it doesn't get away from you," he adds. "The savings from interest-free financing for six months disappears pretty quickly if you pay 28 percent for a year after that."

By Erin Peterson Credit Cards.com

Some additional things to consider

It's too easy to spend money when you have more cards. Kimberly Penney of Kent, Wash., never gets the store card. She says, "I don't want to be tempted to use it later on, so I just don't open it."

Opening a new credit card can ding your credit score rating. If you're not expecting to refinance your house or borrow money in the near future, that may not be big deal. But if opening a new account causes a 10-point drop right before you apply for a loan, it can cost you plenty. Andy Jolls, CEO of Videocreditscore.com, a credit scoring educational site, gives the example of saving $45 on your current purchase -- only to pay about that much more every month on your new home loan because you didn't qualify for the lowest interest rate. In a worst-case scenario, you could pay $15,480 more over the life of your loan just to save $45 dollars at the checkout counter. It's hard to think of a worse deal than that!

It's one more card to keep track of and have open. An open card, especially one opened with another person, can come back to haunt you years later. You should never have more cards open than you can easily remember and keep track of.

"It's one more card to worry about identity theft on," says Jolls. If anyone ever steals or forges your driver's license, for instance, they can go to the store, present ID, and use your account.

You'll get a more junk mail -- possibly even junk e-mail -- once you're a "preferred" customer. That's just more temptation. I know from experience the more ads I look at, the more I'm likely to find something I want. If I don't see it, I don't buy it. By Sally Herigstad CPA

Last Will and Testament

Last Will & Testament - A will "Last Will & Testament" is the legal expression of declaration of an individual's wishes as to the disposition of his or her property after death. A will is revocable during the individual's lifetime.

Living Will - The Health Care Directive known as a Living Will or also known as a "right to die document" allows you to direct your personal physician to deny you life support if your are diagnosed as being brain dead and have no chance of recovery. If you do not feel comfortable in completing a Living Will, do not sign it. The other "estate planning" documents will work without your free living will. Free downloads Living Wills forms.

Single Trust:

Avoid Probate! By transferring your property into a Revocable Living Trust, your estate will not have to go through the time and expense of the Probate Process. If you own property in more than one state, our revocable living trust forms work for all of your property, wherever it may be located in the US or the Commonwealths.

You maintain control of your assets! You control all of your assets or designate who will control your ps that property if you cannot.

Save Thousands of dollars in attorneys fees! There will be no need for attorneys to settle your estate. These trust pre-plans for the contingencies.

Save months or years of time! Your assets can be transferred to your loved ones within weeks.

Avoid Court Intervention! There simply will be no need for your heirs to ever see a judge to either manage or distribute your assets

Avoid Will Contests! By transferring your assets into a Trust, all of the arguments about incompetence or undue influence simply go away.

Pass all of your estate onto your loved ones! Your estate will not be eroded by expensive attorneys or administrators.

The iPad

Best Buy sold out of the iPad at all 673 of its U.S. stores with Apple shops.

Apple stores however are maintaining stock.

Spokesperson Paula Baldwin said, "We expect to have iPad inventory replenished at these locations by Sunday."

Six Best Buy stores contacted in the San Diego and Los Angeles area said they sold out of the iPad on Saturday, the day iPad sales began. Ditto for Best Buy stores contacted on the East Coast; stores in suburban Philadelphia and Boston also sold out on Saturday. A New York store, however, said it had some stock until Tuesday but has no stock now.