INVESTING FOR THE FUTURE

Investing for the future can be the most exciting part of your life. But it can also be very confusing and time consuming. With all the things there are to do in life, who really can do this.
SOMETIMES it can be as simple as 1,2,3 by talking with your personnel office person or simply getting an investment company that either is available through your place of employment or from a reference from a family member or trusted friend. There are IRA accounts available at banks and credit unions with good interest rates and they are also free from service charges. Going with an investment company through work can also be free from charges. A few minutes more of asking questions can verify that fact. When going with a private investment company, there may be fees and other charges involved, but earning possibly better interest. Asking for information about these companies if considering to deal with them will also answer these types of questions.
THE INTERNET CAN HAVE SECURE LINKS that are usually linked with the companies and or banks you deal with. Again, it is through preference that these type of accounts can be established. Most everyone wants to make money, but not have to do all the foot work. Feeling comfortable with someone to handle this for you is sometimes a hard feat to accomplish, but again; this is where family references come in handy. And asking the right questions will also help. Knowing what the right questions are is another problem. But the only dumb questions are the ones not asked. If someone belittles you for asking any question, then you may need to look at that particular person a little more closely. And you know that ole "gut" feeling? Well, if you ever get it with a company or person who is about to handle your hard earned money, "TRUST" that feeling cause it's 90 % times right.
THERE'S ALWAYS GOING TO BE THAT one person who knows what you should do, but is it really right for you? The talk is always good and you do want to make a retirement for yourself, but extremes are not necessary. Especially when you are first beginning to save. There's this catch 22 that gets everybody now and then and you find yourself borrowing against your accounts or cashing in those bonds before they mature. Don't bog yourself down until you get enough good money raises where it won't hurt you to put away a little extra. At this point, try to even make it difficult for you to get your hands on any of the savings, and try to forget it's there. Then if an emergency does come up, you will have it to rely on, although even then you might be able to figure out a better solution to the emergency.
LEARNING TO BE THE CONTROLLING FACTOR of your accounts is challenging and scary, but trust yourself. There are things you can do over the phone, through a secured Internet link and at your bank. If you make a mistake, usually you can correct it. I once transferred money from one account to another over the phone. They sent me papers to sign to make sure it was me. In a couple of years the account did better then when it was in the first account. And I only regret I hadn't found out how to do it earlier, cause it was some time that had got wasted. The credit unions offer bumps on some of their fixed c.d.s which allow you to get a higher interest a certain amount of times a year. Since interest rates change often, this can only be allowed so many times. And c.d.s can be changed once they mature. There are Roth IRAs which you pay taxes on up front. Don't hesitate to ask questions on the types of accounts that are available and how you can handle them.
HOPE YOU ALL HAD A GREAT THANKSGIVING!