June 2009
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Message from Shyra
Monthly Expert
Featured Product
Inspirational Article
Upcoming Events
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Message from Shyra

Are you an Encourager or a Discourager?

It does my heart good to see all of the emails that come in from individuals I said an encouraging word to who are accomplishing their dreams and/or goals they have set to accomplish. Encouraging words are like fuel that help you to keep going. If you have your heart set on accomplishing a goal and someone attempts to discourage you, take a look at their life and situation around them. Is this someone who should be in your circle of influence? Can this person really help to guide you to obtain what it is you are attempting to obtain? Sometimes, you have to change the ones in that circle and bring in those who are like-minded and who can aid in you reaching your goals. Some people have mentioned to me that this step is a very difficult one because many of these discouragers are right in their own family. You are supposed to be able to go to family for support, but in a recent survey, many found that this was something they could not do. In a sense, they began to feel alone and as if they had no one to turn to. Many are reaching out to networking events, online forums and social networking websites in order to surround themselves around other like-minded, positive people who support one another with their endeavors.

Times have changed and it’s supposed to be for the better. Let’s encourage one another and see just how much of a difference we can make together!



Monthly Expert
Planning Your Retirement Can Be Stressful -- But It Doesn’t Have to Be
Provided By Grant Ferguson

True to form, Baby Boomers are redefining retirement too! The 76 million Americans born from 1946 to 1964 have driven major national trends in their lifetime and are living longer than any previous generation. Today, with the oldest of them turning 60 in 2006, some are already retired, or have been forced to retire, and many more are thinking seriously about retirement.

And there’s a lot to think about for the aging boomer:

  • Do you want to retire outright and never work again? How many years do you need to keep working before you can realistically afford to do that?
  • Do you have the opportunity or desire to “reinvent” yourself and start a new career – in other words, retire sooner from your present job and spend more years following a passion that can also provide at least a modest income?
  • With large corporations continuing to downsize, your company may offer you a retirement package. If so, it makes a big difference how you choose to receive it. If handled well, how far can your package take you toward financial independence?
  • If your corporation offers a traditional pension – perhaps in addition to a 401(k) plan – how much is your pension account worth? Have you been with the company long enough for those assets to be fully vested? Will the plan continue to be funded? Should you take your money as a lump sum? What about your beneficiaries?
  • When it’s time to take your 401(k) assets, how do you transfer them to an IRA without tax consequences? What’s the best way to designate beneficiaries for your legacy?*
  • If you’re fortunate enough to have stock options as part of your corporate compensation plan, how should they be factored into your retirement plan? Do you fully understand what you own?
  • Once you’ve retired, how much can you take from your account each year and still be confident that you won’t outlive your money? What is the best way to structure your assets to benefit your heirs? What role should life insurance play in retirement and estate planning?
  • Federal tax law is designed to reward investing for retirement, but it gives the full rewards only to those who know how to take advantage of the rules. The options are many, the rules are complicated, and tax laws change from year to year.
  • How can you get all this under control without making it a full-time job? That’s where your financial advisor, along with your tax and legal advisors, comes in. Ask these professionals to help you address concerns connected with planning your retirement – everything from clarifying your dreams of financial independence to the psychology of spending and saving to developing an investment policy statement to planning your estate.

    * Withdrawals are subject to ordinary income tax and may be subject to a federal 10-percent penalty if taken prior to age 59 ½. Wachovia Securities is not a legal or tax advisor. However, our financial advisors will be happy to work with you and your chosen tax and legal advisors to help you meet your financial goals.

    This article was written by Wachovia Securities and provided courtesy of Grant Ferguson, Financial Advisor, in Arlington, TX at 817-633-4848.

    Wachovia Securities is the trade name used by two separate, registered broker-dealers and nonbank affiliates of Wachovia Corporation providing certain retail securities brokerage services: Wachovia Securities, LLC Member, NYSE/SIPC, and Wachovia Securities Financial Network, LLC (WSFN), Member FINRA/SIPC.

    Investments in securities and insurance products: NOT FDIC-INSURED/NOT BANK-GUARANTEED/MAY LOSE VALUE

   
Featured Product Upcoming Events

Hot Markets for 2009
By Shyra Smith


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Inspirational Article

Dare to Dream - The Audacity of Scotland's Susan Boyle
By Sherene McHenry PhD
The world has embraced YouTube's brightest new star and Britain's Got Talent participant, Susan Boyle. In just a few short days, she's received over 16 million hits of her extraordinary performance. That's an amazing feat.
Why has she captured our hearts? She's talented, as good as any performer I've ever seen. But many talented individuals never capture the imagination of the world. Nor do they gain the admiration of Simon Cowell. Seriously, she left him grinning like a man in love.
Here's why we love her. She's a bit awkward and without pretense. How many people would admit on international television that they're 47 and have never been kissed? While she's blessed with the voice of an angel, she's certainly doesn't fit the music and entertainment industry standard of stunning attractiveness. We love her because, in addition to being incredibly talented, she's real. She didn't hide her dream, her nervousness, her talent and ultimately her joy.
I see her, and I see a bit of me. My dreams, my fears, my joy, the fact that I don't meet industry standards of physical perfection either. Seeing Susan, real as she is, reassures me that even in these tough times, I don't have to be perfect to have my dreams come true. Neither do you. What a relief.
What can we learn from Susan Boyle about accomplishing our dreams?

  1. Accomplishing a dream takes great courage. Susan put herself out there, risking ridicule because she believed in herself and the talent she possessed.
  2. Dreams don't happen in a vacuum. No one sings like that without a lot of practice. She didn't dream about singing, waiting for her day to arrive. She put in countless hours practicing and was ready when the door of opportunity opened.
  3. She believed in herself. With certainty, yet completely lacking arrogance, she proclaimed, "I'm going to make that audience rock."
  4. Susan Boyle owned the stage. Watch her body language as she steps toward her dream. Everything about her walk said, "Pay attention world, I'm here." Accomplishing a dream means commanding attention. Confident body language cues the world to pay attention.
  5. Doors don't open automatically. When asked why she hadn't accomplished her goal of being a professional singer, she replied, "I've never been given the chance before." Some dreams take a long time to come to fruition. Susan never gave up her dream of singing in front of a large audience and when she had the chance, she seized it.
  6. While the world can be cruel, it embraces people with talent who take risks and go for the gold. On the flip side, those who make fools of themselves are ridiculed and the rest of us are abhorred that no one has told them the truth about their ability along the way. Either that, or they haven't been willing to hear truth when it was offered. Those who accomplish their dreams know the truth about their ability.
Susan Boyle's story is a modern day fairytale at a time when we most need to believe that extraordinary things can happen, and the real reason she's captured our hearts is because she invites each and every one of us to pursue our dreams as well. Thank you, Susan Boyle, for reminding us that dreams really do come true.

Dr. Sherene McHenry runs a company called Fully Engaged and works with individuals and organizations who want their members to engage in self care, develop healthy relationships and live life to the fullest. To see a short video clip of Sherene speaking about your dream at risk go to http://youtube.com/user/mchenryintl. Visit fullyengaged.us to sign up for Sherene's free newsletter and to learn more about how Sherene can help you accomplish your dreams.

Article Source: http://EzineArticles.com/?expert=Sherene_McHenry_PhD

 
 

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