Time Tested Tactics to Build Your Wealthi. Stockphoto. We have doled out a lot of good advice over the 7. Kiplingers Personal Finance magazine. So in many ways it was easy to come up with 7. But when our editorial staff submitted nearly 3. In this slide show, we offer advice on how to build, protect and enhance your wealth, time tested strategies to help you keep your eye on the ball, and our top tips for finding value, so your hard won wealth doesnt leak out in dribs and drabs. We devote a section to the biggest goal of all a secure retirement. Jeopardy Game Show is often billed as Americas favorite TV quiz show. TV contestants who are competing for lucrative cash prizes need to know a lot of information. HR Blocks 70,000 tax pros are working with Watson to help clients maximize their refunds. Read Story. And because life isnt all about making money, we include fulfilling ways to give back. Take a look. Time Tested Tactics to Build Your Wealth. Save Early and Ofteni. Stockphoto. The sooner you start to save, the easier it will be to amass a comfortable nest egg thanks to the power of time and the magic of compounding. A 2. 5 year old who saves 4. If the same investor waits until age 3. Try to save 1. 5 of your income, including any employer match for your retirement plan. If thats not doable, put away as much as you can and increase the percentage as your income and budget allow. Getting started, even if youre saving 3 of your income or 1. Build Your Own Jeopardy Software GameLatest trending topics being covered on ZDNet including Reviews, Tech Industry, Security, Hardware, Apple, and Windows. Create your own educational games, quizzes, surveys, and web pages. Search millions of games and quizzes created by educators around the world. InformationWeek. com News, analysis and research for business technology professionals, plus peertopeer knowledge sharing. Engage with our community. New Bible Trivia Game Promises to Fill Your Next Class or Gathering With Fun, Excitement, GoodNatured Competition Lots Lots of Smiles I have a certain friend who called me a while back, all excited about his latest revelation. What if you could go to a web site and find all the recipes. Build Your Library secular homeschool curriculum, literature based building young minds, one book at a time Have you been looking for a literature based. Molly Balunek, a certified financial planner in Cleveland. Once you see progress, it becomes easier to save 1 more, or 5 more a week. Time Tested Tactics to Build Your Wealth. Create an Emergency Fundi. Stockphoto. If you have a dedicated stash of cash at the ready in case of a job loss or an unexpected bill say, for a major car repair or hospital visit you wont have to resort to racking up credit card debt or, say, tapping retirement savings to cover the tab. Squirrel away at least three to six months worth of living expenses in a safe, easy to access savings or money market deposit account. For a more personalized amount to save, use Hello. Build Your Own Jeopardy Software' title='Build Your Own Jeopardy Software' />Wallet. Look for an account with no monthly fee, a low or no minimum balance requirement and a competitive rate, such as the. Synchrony Bank High Yield Savings and the GS Bank Online Savings accounts. Both recently yielded 1. Time Tested Tactics to Build Your Wealth. Make the Most of Employer Incentivesi. Ace Software Solutions Pvt Ltd Chennai Corporation. Stockphoto. For the slow and steady way to get rich, take full advantage of your companys 4. You can contribute up to 1. Many companies enroll employees automatically, at a contribution rate of, say, 3 of their salary. But aim for 1. 5 of your income, including the company match, from the beginning of your career until the end. If you have to cut back for a few years say, to buy a house or pay college bills try to kick in at least enough to get the full company match, and boost your contributions later to get back on track. Teachers typically have access to 4. Public sector workers may be offered a 4. Time Tested Tactics to Build Your Wealth. Open a Rothi. Stockphoto. Another surefire wealth builder is a Roth IRA. You fund this account with after tax dollars, so the pain is up front. The payoff Withdrawals are tax free if youre at least 5. You dont have to take required minimum distributions from a Roth, as you do with traditional IRAs and 4. And because withdrawals from a Roth arent reported to the IRS as income, they wont increase the taxes on your Social Security benefits or trigger the high income surcharge on Medicare Part B or Part D. You can contribute up to 5,5. Roth 6,5. 00 if youre 5. The allowed contribution starts to shrink if your modified adjusted gross income is more than 1. Earn too much to qualify for a Roth Your employer may offer a Roth 4. Roths arent just for grown ups. One of the best ways to help your children or grandchildren build wealth is to get them started early with a Roth IRA. Children of any age who have earned income from a job can contribute up to 5,5. Roth IRA or their earnings for the year, if less, and you can give them the money to get started. Not all brokerages let children open Roths, but several including Fidelity, Charles Schwab and TD Ameritrade offer custodial Roths with little or no investing minimum and no IRA maintenance fees. Time Tested Tactics to Build Your Wealth. Ask a Pro for Advicei. Stockphoto. A financial adviser can help you blaze a path to financial success especially when youre starting out or facing a complex financial situation. A certified financial planner CFP, for example, offers guidance in strategizing retirement savings, allocating or managing investments, creating an estate plan, and performing other tasks. At napfa. org, you can search for a fee only adviser, who avoids conflicts of interest by accepting no commissions from selling investments or other products. If you need extra assistance with tax planning, look for a certified public accountant CPA with a personal financial specialist PFS designation at aicpa. You dont need deep pockets to get help. At Garrett. Planning. Network. com, search for planners who charge hourly rates and require no asset or income minimum. Independent outfits, such as Betterment and Wealthfront, as well as full service firms, such as Charles Schwab and Fidelity, offer online robo adviser services, which provide low cost, computer generated advice and portfolio management. Time Tested Tactics to Build Your Wealth. Polish Your Crediti. Stockphoto. Good credit helps you get the lowest interest rates and best terms on a credit card, mortgage or other loan, and your credit history may even affect your job prospects, insurance rates, and ability to get an apartment or cell phone plan. Generally, a credit score of 7. The most important credit building step is to pay all of your bills on time. Another score booster Keep the amount that you owe on your credit cards as a percentage of their overall limits known as your credit utilization ratio as low as possible. On each card, use no more than 3. Time Tested Tactics to Build Your Wealth. Open a Brokerage Accounti. Stockphoto. Once youve established a bank account and started to participate in your employers retirement savings plan, take your wealth building program to the next level by opening a brokerage account. That will allow you to invest in individual stocks and exchange traded funds, which most people cant do in their 4. Youll need 2,5. Fidelity, our top ranked online broker Charles Schwab requires just 1,0. Time Tested Tactics to Build Your Wealth. Set Specific Goalsi. Stockphoto. Youre more likely to accrue wealth if you have specific goals and a plan to reach them. That means coming up with short term goals, such as paying off debt, buying a house, and saving for a rainy day or a vacation, as well as long term goals, which may include funding your retirement and your childrens college education. Make your goals specific and realistic. Instead of saying that you want to save for your childs education, say you want to have 5. Roger Ma, a certified financial planner in New York City. Time Tested Tactics to Build Your Wealth. Live Like the Invisible Richi. Stockphoto. Live within and ideally below your means. By resisting the temptation to buy a big house or expensive cars, you can invest in things that will create long term wealth, such as stocks and real estate. Time Tested Tactics to Build Your Wealth. Cultivate Your Careeri. Stockphoto. Want to move ahead in your organization or switch to a more lucrative job Keep your skills sharp and never stop networking, says Mary Eileen Williams, a career counselor and author of Land the Job You Love 1. Surefire Strategies for Jobseekers Over 5. An updated Linked. In profile is critical because most employers use the website to vet potential candidates, Williams says. And learning new job skills doesnt have to cost a lot of money. Khan Academy, a nonprofit website, offers video tutorials on everything from statistics to computer programming. Your local community college may also offer career advancement courses. Considering an advanced degreeAccording to Payscale. Build Your Library Secular Literature Based Homeschool Curriculum and Educational Products. This is the first post in the Back To Home School blog series. Stay tuned this week for more inspiration for the new school year. I remember back when I first started homeschooling my children I was in my 2. I was completely overwhelmed. What was I thinking taking on this much responsibility What if I totally ruined my childrenWhat if they turned out weird Well, 1. I am now a lot less overwhelmed, my kids have not been ruined, and weird is really a relative term, isnt it When we first started out, I was always worried that people would ask one of my kids a simple question and discover they didnt know the answer. I would be proven an incompetent teacher and I was very uptight and  obsessed over doing everything the right way. Trouble is, there is no such thing. I eventually learned to relax, and allow for the inevitable gaps that would appear in my childrens education. No one can know everything, and education isnt about memorizing every fact possible. That might work for a Jeopardy contestant, but that isnt what educating your children is about. I dont claim to have it all together or even be an expert I havent even graduated a student yet two more years to go, but I do wish I could go back and offer some advice to my younger self to calm those first time homeschool mom jitters, or even the been doing it a short year or two and am still uneasy mom. So here is some of the best advice I can offer 1. RELAX. Its going to be OK really. Homeschooling is a lot of responsibility and a lot of work, but its also really fun. Relax and enjoy your children. One of the greatest benefits of homeschooling is getting to spend more time with your kids. Instead of having to squeeze in your family bonding time on the weekends, you can relax and hang out with your kids all the time. I know that sounds like a blessing and a curse, but remember you dont have to entertain your kids 2. Teach them how to work independently and entertain themselves, and you can still have time to read, bake, knit, even clean. Make reading aloud a priority. I say this all the time, but reading to your kids is one of the most important things you can do. Whether they are 4, 1. When I look back on our years of homeschooling, I can say that this is one thing Ive done right. Even my boys, who are reluctant readers and if asked, will say they dont like to read, will still quote books weve read or debate favorite characters. We have inside jokes about the stories weve shared, like how we cant see rabbits without someone saying, Hazel, we have to leave the warren It isnt safe or as soon as someone says I have a question someone blurts out 4. Dont compare. Your child is unique, and has his or her own timetable for learning. You are unique, and will come to teaching your own child in a way that suits you best. There is no one way to do anything. Just because someones child is reading Shakespeare and studying Algebra at 6, doesnt mean something is wrong with your child. I have had both early and late readers, and at the end of the day, they all learned to read, and read well. You know your children far better than anyone else. So go your own way and forge your own path. I promise the grass on the other side of the fence is just as green as yours. Keep it simple. Especially if this is your first year and your are starting with very young children. In the early years, the only thing they HAVE to learn is how to read, how to write their letters well, and basic math skills. Everything else is gravy. Your first grader does not need to study a foreign language or grammar or even history. So if youve planned any of those things, and a few days or weeks into the school year, you or your child feel stressed out about the work load, drop some of the non essentials. Cover those 3. Rs and read aloud great literature. That really is enough in the first few years. Dont Over schedule. This goes along with keeping it simple. Sometimes when you are first starting out, people will ask you the dreaded question, What about socialization So youll overcompensate by signing your children up for every activity karate, co op, art class, soccer, book club, music lessons, scouts etc. While they all sound fantastic, too much activity means not enough time doing lessons. It means all of time spent driving to and from these events could have been spent on a nature walk in your neighborhood, or just playing Legos or relaxing at home. If you find that you have to squeeze school work in between activities, classes and errands, then you need to step back and re evaluate. Over scheduling your days will lead to burn out for you and your children. Every year, my kids are allowed to choose two activities outside of the house. This year, its music lessons and First Robotics for the older children. My youngest will be starting music lessons, and well decide later in the year if we want to add a second activity. These activities are in the late afternoon and evening, so it wont take away from our school day. Be Kind. Homeschooling is hard and there are days when you want to quit entirely. Youll be sick of being around your children all day and youll consider picking up the phone and registering them at the local public school. When you are having a bad day or week like this, drop the books, go outside and play at the park, take a fun field trip, or just cancel lessons and watch movies all day. Love your children, even when they get stuck on the same math problem for the millionth time, even when they forget how to read or diagram a sentence. You might feel like losing your cool and yelling at them for making the same mistake AGAIN. But instead, take a moment, count to ten,  and love them instead. Show them kindness, and force yourself to be patient. They grow up fast, so just recite the mantra, This too shall pass, and then go love on your babies. Homeschool doesnt have to look like public school. Public schools were set up to teach hundreds of children the same material so that everyone could be educated. The methods that work in a classroom, are not necessary in your home. You will be less of a teacher and more of a mentor, or guide. Often, you will learn right along with your children There are as many ways to homeschool as there are homeschoolers. Just because the public schools may cover the American Revolution and Botany in 1st grade doesnt mean you need to cover the exact same materials. Do what makes sense to you and to your children. Study what interests both of you. Dont let the curriculum control you. If you are studying Ancient History and your child cant get enough of Ancient Egypt, then follow that rabbit trail and spend another few weeks focusing on that topic. Dont worry about getting off schedule. You arent tied to a specific school time table, so if you need to work into the summer, you can. If you want to take a month off in the middle of the year, you can You are in charge, and you make the rules for your own homeschool. Dont listen to the haters. Its human nature to care what other people think. But those who arent familiar with homeschooling will not understand what you are doing. They will question your parenting choices, sometimes pretty rudely. You do not have to answer to these people. Dont let others, who arent directly involved in your parenting choices, dictate how you homeschool especially if all they know is public schooling methods. If they tell you that your kids are going to be weird, or that your child will never get into college if they are homeschooled, just let it go. Thats their wrong opinion. Dont take it personally, and dont stress yourself out about it. If they are always negative, try to avoid them for a while. Homeschooling is hard enough without someone dumping negativity all over you every chance they get.