While banks, home buyers, and bond issuers are all benefiting as the short-term interest rates near zero percent, many of the 80 million Baby Boomers looking to retire in the next ten years are watching their net worth drop like a rock. If current conditions persist, nearly three in five baby boomers will be at risk of running short of money in retirement.

Low yields present retirees with a difficult choice: Accept the lower income offered by safer bonds or take the risk of gambling in the stock market for a potentially higher return.

What are the Baby Boomers options if looking to pull out of the market? What other retirement savings options are available that yield a positive return with minimal risk? Savings accounts, CDs, money markets, and Treasury Bills are popular because Americans understand how this process works and these accounts are protected by the government and offer a positive interest rate. While the risk is very low, however, the interest rates are equally low. 7-10 year Treasury Bonds are only offering a 2.5% yield. Most short term interest rates are under 2%. No one can grow their retirement accounts with a 2% interest rate. In fact, it would take 36 years for someone to double their initial investment at a 2% interest rate! These low returns is a big reason why people stick in the stock market.

Why not continue in the stock market? Recently, CNBC aired a story about the future of the stock market. The conclusion was that based on studying charts and past trends, unemployment and leading indicators, the Dow will likely drop to 5,000 in the next two to two-and-a-half years.

Suddenly, 2% growth looks better!

Of course, this projected drop in the stock market is just speculation, but the speculation aspect is part of the problem. People are tired of taking risks and gambling in the stock market. Investors want to invest in a retirement vehicle that will show a positive growth from now until retirement.

What if you could combine the safety of a bank account or Treasury bond with the high yield return of the stock market?

The answer for many investors is the Safe Savings Account. A Safe Savings Account is a product designed to offer Americans the safety of a bank account with a higher, guaranteed interest rate backed by hard assets.

A Safe Savings Account operates similar to a CD in that you invest money and earn a guaranteed compound interest rate. Instead of offering protection in the form of FDIC insurance, thought, the Safe Savings Account is then back by a hard asset, thus guaranteeing your investment. Since backed by an asset, the Company offering the Safe Savings Account can afford to offer a higher, more competitive interest rate than banks or TBills or bonds without all the volatility and loss potential of the stock market! How else can you accurately plan for retirement unless you can calculate the future value of your retirement account to the dollar? Anything else is just financial guessing; and in these uncertain times, taking chances just doesn’t make any sense.

Author:

The Warr Investment Group offers a Safe Savings Account with a Guaranteed 8% interest rate. While the tumultuous market will have it’s ups and down, you can rest assured that your investment will double every 8.67 years. How else can you plan for retirement unless you know how much money you’re going to make? For more information on the Warr Investment Groups’ Safe Savings Account, please visit http://www.JimWarr.com.

Article Source: EzineArticles.com

www.trioffer.com/6x-zoom-telescope-camera-with-crystal-ca…

Source: Games Accessories

Impact of the Media

Yes I do believe that the media has a semi-direct impact on the markets and the economy in general. Any media outlet will certainly look for a news story which will grab attention. Often the case is that an extreme negative or positive will attract viewers, and thus more ad revenue for the news outlets parent company. Because of this, the slightest bit of negative economic news will quickly be turned into a headline story, attracting those viewers who are driven by fear. When they see a story on CNN that almost half of Americans believe the Economy will fall into a situation similar to the Great Depression, fear from the viewers can lead to a self fulfilling prophecy. When a viewer sees a story like this, they will likely spend less money, pull their 401k stock investments, and hunker down for a bleak economic environment. This then leads to more negative news being reported and the whole cycle starting over.

What The Media Should be Doing

If instead of reporting useless polls that are likely unscientific, the media could be more responsible and only report the news in an unbiased fashion. This would likely lead to less volatile situations both when this news is positive and negative, meaning it will not have a direct impact on the economy itself.

Will the Media Play a Role in the Recovery?

Yes I think just as the media has likely created an over bleak idea about the economy and created mass panic selling, when the slightest bit of good news hits, we will likely see this go in the other direction. In fact we may have already seen this. What will happen is that a piece of good news will emerge from the rubble. The media will run with this news, creating stock markets to rise, and everyday people to spend a little more money. This in turn will create even better economic conditions that the media will jump on, and thus the cycle will reverse itself and continue in the favorable mindset. The conclusion is that the media plays a direct role in likely enlarging the economic swings that would be in place regardless.

Author:

Brian Krassenstein Helps Manage Investing Forum and consults advertisers at several sites including Money Maker Group

Article Source: EzineArticles.com

The heart, it is not soft as many of us think, though it is one of the semi-soft part of the body, enclosed by the sternum. The heart is semi soft in reality, but its function is the greatest any of the parts of our body contributes to life. It happens to be the only fuel left in our tank when we are faced with challenges of life. It is from the heart we get determination, that quality that can overturn mountains, sweeps away rivers. That quality that walks through life, making history time to time. It is the heart we also find bravery, that mind which is strong and does not permit any weaknesses.

The heart has made amazing contributions to life, apart from the function it is designed by God to serve. These contributions are way too far from any contribution any other part of the body has made to life. If I am very rich and I am asked to choose between my heart and my possession, I will gladly choose my heart. Because having the heart with me, no matter how poor I am, there will always be a way. The heart will turn my desert to river very soon. It only takes the heart for a business that is ruined to live again and become big once more. It only takes the heart to embark on a journey to the moon. It only takes the heart to create an aeroplane, it only takes the heart!. It has re-written many histories. Truly, there are other parts of the body that are strong, but the heart is the strongest.

Author:

I am a writer that have a say in almost all literary works.I write poems,stories,novels and articles. Situations around and natural things around me have been my source of inspiration since the beginning of my writing career.Some of my works can be found in www.redroom.com

Article Source: EzineArticles.com

This former London Leyland Titan was used by the Sun and News of the World newspapers as a mobile roadshow and promotion vehicle. It has now been replaced by a Dennis Trident.

Source: MrVRman