| Question of the week: I'm finally working at a job that offers a 401(k) plan and I want to start saving for my retirement. My problem is I'm not making a lot of money and I seem to spend what I have. How much should I be saving? —LD Dear LD, Even with a modest salary, you can ensure a better retirement if start saving as soon as you have the opportunity. Unfortunately, most people squander their chance to make the most of the time and the savings tools available to them because they're afraid they won't be able to live with a smaller paycheck It's easy to underestimate the advantages of tax-deferred savings. But did you know that when you save in a tax-deferred account, such as a 401(k), a traditional IRA or other tax-advantaged savings plan, you get a big chunk of your money back in the form of tax savings? Depending on your income tax rate, stashing one dollar in a tax-deferred plan saves you anywhere from 10 to 40 cents in taxes. That's like getting a guaranteed 10 to 40 percent return on your money—something you sure won't get any other way. The members of the Armchair Millionaire community have discovered this little bit of math and now they love to stash their cash into their tax-advantaged savings plans. Here's how some members of the Armchair Millionaire community are going about it: Put it on autopilot. "My wife and I both contribute to 401(k)s, and our employers add a match. We find that the automatic payroll deduction works wonderfully to instill discipline." —Yorgos Max out your tax-deferred possibilities. "I save 15 percent of my gross income and my husband saves 20 percent of his. Both go into our 401(k)s, which save us taxes, and we both contribute the maximum allowable by law. On top of that, we fully fund our Roth IRAs every year." —Georgia P. Add on savings in taxable accounts. "Besides maxing out my 401(k), I save an additional 15 percent of my income in a diversified taxable mutual fund portfolio." —Tony G. Your timing is good because you can now put away more than ever in tax-deferred accounts. Worried that Americans aren't saving enough for retirement, Congress approved some changes last year in our retirement plan savings limits that are designed to help you take more control of your retirement planning and rely less on Social Security. Here's a look at the most important changes. The Armchair Millionaire Summary of New Retirement Rules
The BOTTOM LINE: Combining the powerful effect of compounding returns over time with the benefits of tax deferral makes for a potent savings recipe. Apply a strong dose of common sense investment planning and you'll be on a smooth road to retirement. |
March 06, 2006
The fast and easy way to make thousands legally!! 100% LEGAL
Make over £10,000 a month, using PAYPAL and a proven process, with just a £6.00 investment. That’s right, just six pounds invested. It’s easy, quick and simple, and can be repeated whenever you want.
How many times do you want to make over £10,000? You choose.
You just need to read this simple and clear report, follow the rules and move quickly on this one.
Ok, a little while back, I was browsing through newsgroups and message boards, and came across an article similar to this that said you could make thousands of pounds within weeks with only an initial investment of £6.00! So I thought, "Yeah right, this must be a scam", but like most of us, I was curious, so I kept reading. After consulting with some friends, they themselves heard about this but were, like me sceptical about the idea. So I thought to myself “why not give it a try, its only £6, I mean I’ve spent more than that on lunch!” So I gave it a try and OH MY GOD!!! Trust me, the results were staggering!
Let’s cut the boring part and get straight into it.
This can be done by anyone in the world.
PAYPAL VERIFIES THAT THIS BUSINESS PROGRAM IS 100% LEGAL AND IS A BIG HIT, TAKES JUST 15-30 MINUTES AND A SMALL £6 INVESTMENT.
This project has been on TV programmes such as 20/20, Oprah, and the Wall Street Journal.
It’s been in existence in many forms for at least a decade.
The entire process is FAST, EASY and VERY, VERY LUCRATIVE.
I WAS SHOCKED WHEN I SAW HOW MUCH MONEY CAME FLOODING INTO MY PAYPAL ACCOUNT I turned £6 into over £10,000.
I will GUARANTEE that you will enjoy a similar return!
The only things you will need are:
1. An email address.
2. A Business or Premier PAYPAL account (FREE)
3. Just 20 to 30 minutes of your time.
This program takes just half an hour to set up. After that, there is absolutely no work whatsoever to do on your part.
You have absolutely NOTHING to lose, and there is NO LIMIT to the amount of income you can generate from this one single business program.
Let's get started, just follow the instructions exactly as set out below and then prepare you for a HUGE influx of cash over the next 30 days! Here's what you need to do.
STEP 1: Setting up your FREE PAYPAL Account
It's extremely safe and very easy to set up a FREE PAYPAL account! Copy and paste the following link exactly into the address bar:
http://www.paypal.com/uk/mrb/pal=EPD2QXJ3BLX9G (notice the secure "https" within the link)
Be sure to sign up for a FREE PREMIER or BUSINESS account (and not a PERSONAL account) otherwise you won't be able to receive credit card payments from other people.
STEP 2: Sending PAYPAL money
To give means to receive, and receive you will. Many waste £6 on nothing of use. You’ll make over £10,000 with the £6 you invest.
To send money, all you do is click on ‘send money’ located in blue at the top of the page next to ‘welcome’.
Now all you have to do is send £1.00 by way of PAYPAL to each of the email address below.
Make sure the subject of the payment says... “PLEASE ADD ME TO YOUR MAILING LIST”.
(this keeps the program 100% legal... so please don't forget!)
These are the e-mail addresses you send £1 to. (That is £1 to each email address.)
1) [email protected]
2) [email protected]
3) [email protected]
4) [email protected]
5) [email protected]
6) [email protected]
Remember, all of this is ABSOLUTELY LEGAL! You are creating a service! If you have any doubts, please refer to Title 18 Sec. 1302 & 1241 of the United States Postal laws.
STEP 3: Adding Your Email Address
After you send your £1.00 payment, to each email on the list above, add your email address to the above list at position #6)
Take the #1) email off the list that you saw above, move the other addresses up one - (#6 becomes #5 & #5 becomes #4 and #4 becomes #3 & #3 becomes #2 and #2 becomes #1. etc)
Now YOUR email address (the one used in your PAYPAL account) should be at #6) on the list.
*** MAKE SURE THE EMAIL YOU SUPPLY IS EXACTLY AS IT APPEARS IN YOUR PAYPAL ACCOUNT SO YOU CAN GET PAID ***
STEP 4: The Pure Joy of Receiving PAYPAL Money!
You are now ready to post your copy of this message, to at least 50-200 newsgroups, message boards. I post to 200 for quicker surer results. There are close to 32,000 news groups, this makes it easy for you to earn money.
All you need is 200 news groups, but the more you post, the more money you make - as well as everyone else on the list!
In this situation your job is to let as many people see this letter as possible. So they will make you and me rich and of course themselves!!! You can even start posting the moment your email is confirmed. Payments will still appear in your PAYPAL account even while your bank account is being confirmed.
DIRECTIONS: HOW TO POST TO NEWSGROUPS & MESSAGE BOARDS
You do not need to re-type this entire letter to do your own posting. Simply do the following:
STEP 1: Put your CURSOR at the beginning of this letter and drag your CURSOR to the bottom of this document, and select 'copy' from the edit menu. This will copy the entire letter into your computer's temporary memory.
STEP 2: Open a blank 'Notepad' file and place your cursor at the top of the blank page. From the 'Edit' menu select 'Paste'. This will paste a copy of the letter into notepad so that you can add your email to the list.
STEP 3: Save your new Notepad file as a .txt file. If you want to do your postings in different sittings, you'll always have this file to go back to.
STEP 4: Use Netscape or Internet Explorer and try searching for various newsgroups, on-line forums, message boards, bulletin boards, chat sites, discussions, discussion groups, online communities, etc.
EXAMPLE: Go to any search engine like yahoo.com, google.com, altavista.com, excite.com - then search with subjects like? Millionaire message board? Or? Money making message board? Or? Opportunity message board? Or? Money making discussions? Or? Business bulletin board? Or? Money making forum? etc. You will find thousands & thousands of message boards. Click them one by one then you will find the option to post a new message.
STEP 5: Visit these message boards and post this article as a new message by highlighting the text of this letter and selecting 'Paste' from the 'Edit' menu. Fill in the Subject, this will be the header that everyone sees as they scroll thru the list of postings in a particular group, click the post message button. You're done with your first one! Congratulations! THAT'S IT!! All you have to do is jump to different newsgroups and post away. After you get the hang of it, it will take about 30 seconds for each newsgroup!
REMEMBER, THE MORE NEWSGROUPS AND/OR MESSAGE BOARDS YOU POST IN, THE MORE MONEY YOU WILL MAKE!!!
That's it! You will begin receiving money within days!
***JUST MAKE SURE THE EMAIL YOU SUPPLY AND PUT AT THE BOTTOM OF LIST ABOVE, IS EXACTLY AS IT APPEARS ON YOUR PAYPAL ACCOUNT SO YOU GET PAID.***
WHY IT’S EASY TO MAKE £10,000 CASH: OK, lets say I receive only 5 replies (a very low example). So then I Made £5.00 with my email at #6 on the letter. Now, each of the 5 persons who just sent me £1.00 make the MINIMUM 200 posting, each with my email at #5 and
only 5 persons respond to each of the original 5, that is another £25.00 for me, now those 25 each make 200 MINIMUM posts with my email at #4 and only 5 replies each, I will bring in an additional £125.00! Now, those 125 persons turn around and post the MINIMUM 200 with my email at #3 and only receive 5 replies each, I will make an additional £625.00! OK, now here is the fun part, each of those 625 persons post a MINIMUM 200 letters with my email at #2 and they only receive 5 replies that just made me £3,125.00!!! Those 3,125 persons will all deliver this message to 200 newsgroups with my email at #1 and if still 5 persons per 200 newsgroups react I will receive £15,625.00!
£15,625.00! from an original investment of only £6.00! AMAZING!!
When your email is no longer on the list, you just take the latest posting in the newsgroups, and send out another £6.00 to emails on the list, putting your email at number 6, after sending your £1 payments and start posting again.
The thing to remember is, thousands of people all over the world are joining the internet and reading these articles everyday, JUST LIKE YOU are now!!
All this takes is £6, which most people waste on nothing really important anyway.
IT REALLY WORKS!!!
There are tons of new honest users and new honest people who are joining the internet and newsgroups everyday and are willing to give it a try. Estimates are at 20,000 to 50,000 new users of the Internet, every day.
What will happen over the course of 30 days? Well, this money will be sent to you by a few thousand people just like yourself, who are willing to invest £6.00 and around 30 minutes of their time to receive around £10,000 or more in cash. The first payments will arrive within a few days and then they will continue at the rate of about 100 payments per day for about 30 days (obviously this will depend on how quickly you act and how quickly people take you up on this offer and then pass it on). After that time, the volumes of payments begin to taper off as your email is removed from the No 1 position. That's all you need to do!
There will be around £10,000 in payments waiting for you in your PAYPAL account within the next few weeks. £10,000 for just 30 minutes work! This is real money that you can spend on anything you wish! Just deposit it to your own bank account or spend it directly from your PAYPAL account!!! It's just that easy!!!
Send your emails only to people who are likely to want to participate and move quickly on this.
Remember, play FAIRLY and HONESTLY and this will work. This really isn't another one of those crazy scams! As long as people follow through with sending out £6.00, it works!
Remember, play FAIRLY and HONESTLY and this will really work. There's no use trying to cheat for only £6.00 Please. Use only opt-in resources for this material it will work for you and it works much faster without soliciting or spamming and has higher responses!!!
N.B. REMEMBER, IT IS 100% LEGAL! AND THE MONEY YOU CAN MAKE IS REALISTIC. DON'T PASS THIS UP
SOME EMAIL TESTIMONIALS RECEIVED.
“I followed the instructions just 2 weeks and 4 days ago, and although I haven’t made 10 grand yet, I am already up to £6,135. I am absolutely gob smacked”.
Mr. A baker, Leicester.
”Well what can I say? I sent out 40 emails like the plan said then I just forgot about the whole thing. To be honest, I didn’t really think anything would come of it, but “I checked my PayPal account a week later and there was over £3000.00 in it!!!”
Robert, South London.
“After 30 days I now have over £11,000 to spend”.
L. Wang, Northampton.
”I was shocked when I saw how much money came flooding into my PayPal account. Within 3 weeks my account balance has ballooned to £7,449”
Shirley Wicks, Essex.
Send this to others, regardless of wherever you go ahead or not, they may want to make over £10,000 even if you don’t! This business actually works! Even if you think 'nah this sounds like a scam' PASS IT ON! There are people out there who can see through the 'nah this sounds like a scam' rubbish and actually see the MAJOR benefits this system can really make!
Just copy and paste the link into the address bar of your web browser and away you go.
http://www.paypal.com/uk/mrb/pal=EPD2QXJ3BLX9G
WITH WARM WISHES, GOD BLESS YOU ALL AND YOUR LOVED ONE'S.
Posted by: clare | March 16, 2006 at 08:32 AM
MAKE MONEY FAST USING PAYPAL!
You Can Laugh at Money Worries - if You Follow This Simple Plan!
This is an opportunity for people who would like to work at home and
have computer experience and are willing to invest time to get the
lifestyle you have been wanting!
READ ON: Read this entire message carefully! (Print it out or
download it.)
I found this on a bulletin board and decided to try it. A little
while back, I was browsing through news groups and came across an
article similar to this that said you could make thousands of
dollars within weeks with only an initial investment of $6.00!
So I thought, Yeah right, this must be a scam, but like most of us,
I was curious, so I kept reading. Anyway, it said that you send only
$1.00 to each of the 6 email addresses stated in this article.
You then place your name and address at the bottom of the list at
the #6th position and email it to your friends as well as post this
message (with your email address in the list) to at least 200
newsgroups.(There are thousands) No catch, that was it. So after
thinking it over, and talking to a few people first, I thought about
trying it. I figured, what have I got to lose except $6.00, right?
So I invested the measly $6.00.
Well GUESS WHAT!! Within days, I started getting money coming into
my Pay Pal account! I was shocked! I figured it would end soon, but
the money just kept coming in.
In my first week, I made about $25.00, which means that 25 people
joined the group after they saw my posted messages. By the end of
the second week I had made a total of over $1000.00! In the third
week I had over $10,000.00 and its still growing.
This is now my fourth week and I have made a total of just over
$42,000.00 and its still coming in rapidly. Its certainly worth
$6.00, and the few minutes it took to join Paypal. I have spent more
than that on the lottery!
Let me tell you how this works and most importantly, why it works.
Also, make sure you print a copy of this article NOW, so you can get
the information off of it, as you need it. I promise you that if you
follow the directions EXACTLY, that you will start making more money
than you thought possible by
doing something so easy!
SUGGESTION: Read this entire message carefully! (Print it out or
download it.)
Follow the simple directions and watch the money comes in! Its that
easy. Its legal. And, your investment is only $6.00.
IMPORTANT: This is not a rip-off; it is not indecent; it is not
illegal; and it is virtually no risk-it really works! If all of the
following instructions are adhered to, you will receive
extraordinary dividends.
AGAIN, PLEASE NOTE: Follow these directions EXACTLY, and $20,000 or
more can be yours in 4 to 6 weeks. This program remains successful
because of the honesty and integrity of the participants.
Please continue its success by carefully adhering to the
instructions. In this business your product is not solid and
tangible, its a service. You are in the business of developing
Mailing Lists.
Many large corporations are happy to pay big bucks for quality
lists. However, the money made from the mailing lists is secondary
to the income, which is made from people like you and me asking to
be included in that list.
Here are the 4 easy steps to success:
STEP 1:
Take a few minutes to join Paypal:
paypal.com The Internet's most trusted Internet banking
system for your future income. When creating your Paypal account
make sure you use the same Email address as your user name in the
list below so people can send money to your account.
STEP 2:
Once you have a Paypal account running; use Paypal to post $1 to
EACH of the 6 Email Addresses below because you pay people with an
email address in Paypal.
To do this you may need to use a credit card, which is very easy,
and secure so nobody but Paypal may see it. If you dont have a
credit card show this great lucrative offer to someone that has one
and get them to help you pay the $6. What you are doing is creating
a service. This is absolutely legal!
You are requesting a legitimate service and you are paying for it!
Like most of us I was a little skeptical and a little worried about
the legal aspects of it all. But I looked around and did some
homework and found it was perfectly legal.
Here are the 6 individual Email addresses that you have to send $1
to through Paypal for this to work properly and for you to receive
money. (If you don't send the money and decide to post the message
with your name in it anyway, Paypal will instantly pick this up and
terminate your account, immediately,
besides the other penalties!!
If you did this you could get into serious trouble because it is
fraud. (So follow the instructions and post the $6 and you will make
lots of money with no hassles.)Now send $1 to each of these
following email - addresses through your paypal account: (Just in
case you still haven't one yet, use this link to open one in your
name)
paypal.com
and pay $1 to each the following 6 email- addresses In the message box type in Please add me
to your mailing list - NOTE: if a
paypal account on the list is closed, just skip it and go on to the
next email in the list.
Here is the latest set of emails:
1. [email protected]
2. [email protected]
3. [email protected]
4. [email protected]
5. [email protected]
6. [email protected]
STEP 3:
Now take the #1 Email Address off the list that you see above, move
the other Email Addresses up (6 becomes 5, 5 becomes 4, etc.) and
add Your Email Address as number 6 on the list.
STEP 4:
Change anything you need to, but try to keep this article as close
to the original as possible. Now, post your amended article to at
least 200 newsgroups (there are thousands of groups). And email your
message to as many people you can But remember, the more you post
and email the more money you make! This is perfectly legal!
If you have any doubts, refer to Title 18 Sec. 1302; 1241 of the
Postal Lottery laws.
Keep a copy of these steps for yourself and, whenever you need
money, you can use it again and again.
PLEASE REMEMBER: This program remains successful because of the
honesty and integrity of the participants and by their carefully
adhering to the directions. You are simply paying into a money
making chain of participants and if the chain is broken you are
taking away from the money making opportunities of someone else. So, as each person
who joins the family and the directions are followed, six members
will be reimbursed for their participation as a List Developer with
one dollar each.
You then insert your Email Address into the list and it will move up
geometrically. So that when your name reaches the #1 position you
will have potentially received thousands of dollars into your
account!!!
What an opportunity for only a total of $6.00!! $1 for each of the
first six people listed above. To begin with, please send youre
joining fee now and then add your own Email Address to the list and
youre in business!
HOW TO POST TO NEWS GROUPS?
Use Netscape or Internet Explorer and try searching for various
newsgroups (on-line forums, message boards, chat sites, discussions.)
Log on any search engine like yahoo.com, google.com, altavista.com,
excite.com, etc., then search with the subject "millionaire message
board; or; money making message board; or; employment message board;
or making discussions; or ''money making forum; or; business
message board; etc.
You will find thousands & thousands of message boards. Click on them
one by one and you will find the option 'post a new message'. Then
Post this article as a 'new message' by highlighting the text of
this letter and selecting copy then paste from the edit menu.
Fill in the Subject, this will be the header that everyone sees as
they scroll through the list of postings in a particular group,
click the post message button.
You're done with your first one! It only takes about 60 seconds to
complete postings on message boards after you catch on.
REMEMBER, THE MORE NEWSGROUPS YOU POST IN, THE MORE MONEY YOU WILL
MAKE!!
BUT YOU HAVE TO POST A MINIMUM OF 200! That is it you will begin
receiving money in your account from around the world within days!
JUST MAKE SURE ALL THE ADDRESSES ARE CORRECT.
Now the WHY part out of 200 postings: Say I receive only 5 replies
(a very low example). So then I made $5.00 with my name at #6 on the
letter.
Each of the 5 persons who just sent me $1.00 make the MINIMUM 200
postings, each with my name at # 5 and only 5 persons respond to
each of the original 5, this is an additional $25.00 for me.
Now those 24 each make 200 minimum posts with my name at #4 and only
5 replies each. This brings in an additional $125.00. Those 125
persons turn around and post the MINIMUM 200 with my name at #3 and
receive 5 replies each, I will make an additional $625.00.
Ok, now here is the FUN part, each of those 625 people post a
MINIMUM of 200 letters with my name at #2 and they receive 5 replies
each. That just made me $3,125.00!!! Those 3125 persons will all
deliver this message to 200 newsgroups with my name at #1 and if
still 5 persons per 200 react, I will receive an additional
$15,625.00!! With an investment of only $6.00!!
A - M - A - Z - I - N - G -!!
When your name is no longer on the list, you just take the latest
posting in the newsgroups, and send out another $6.00 to Email
Addresses using Paypal on the list, putting your name at number 6
again. And start posting again.
The thing to remember is that thousands of people all over the world
are joining the Internet and reading these articles everyday.
JUST LIKE YOU ARE NOW!! So, can you afford $6.00 to see if it really
works!!
People have said what if the plan is played out and no one sends
you the money? So what! What are the chances of that happening when
there are tons of new honest users and new honest people who are
joining the Internet & newsgroups everyday and are willing to give
it a try??
Posted by: mag | April 05, 2006 at 09:52 AM