Comments for Change Counts http://changecounts.com Changing the way we think about money - Count me in! Sat, 27 Feb 2010 17:50:14 +0000 http://wordpress.org/?v=2.9.2 hourly 1 Comment on How Much Will I Need to Retire? by Mack http://changecounts.com/how-much-will-i-need-to-retire.html/comment-page-1#comment-1371 Mack Sat, 27 Feb 2010 17:50:14 +0000 http://changecounts.com/how-much-will-i-need-to-retire.html#comment-1371 Eb, right, large losses are all around us right now, but some years there are large gains, much more than 12%... it is a planning tool. It depends on what you are invested in, and such. History confirms the 12%. Whether or not we get that in the future is anyone's guess. I am sure people back in the 70's would say the same thing, yet anyone who lived through the 70's and 80's knows what happened to the market. Eb, right, large losses are all around us right now, but some years there are large gains, much more than 12%… it is a planning tool. It depends on what you are invested in, and such. History confirms the 12%. Whether or not we get that in the future is anyone’s guess. I am sure people back in the 70’s would say the same thing, yet anyone who lived through the 70’s and 80’s knows what happened to the market.

]]> Comment on How Much Will I Need to Retire? by eb http://changecounts.com/how-much-will-i-need-to-retire.html/comment-page-1#comment-1367 eb Wed, 17 Feb 2010 23:08:09 +0000 http://changecounts.com/how-much-will-i-need-to-retire.html#comment-1367 This is great, but what about years such as 2008, where large losses were posted? This is great, but what about years such as 2008, where large losses were posted?

]]> Comment on 10 Term Life Insurance Facts by Mack http://changecounts.com/10-term-life-insurance-facts.html/comment-page-1#comment-1358 Mack Sat, 06 Feb 2010 17:29:34 +0000 http://changecounts.com/10-term-life-insurance-facts.html#comment-1358 Well, calling a person a fool is a real adult thing, I must admit. Instead of taking my website down I think I'll write more truth about term life insurance. You should get your own website and write whatever you think to be true. But as you can see, I let your comment through ( even though calling a person a fool and then expecting them to approve your comment is a little out there) as I think everyone should investigate and do whatever they think best. Well, calling a person a fool is a real adult thing, I must admit. Instead of taking my website down I think I’ll write more truth about term life insurance. You should get your own website and write whatever you think to be true. But as you can see, I let your comment through ( even though calling a person a fool and then expecting them to approve your comment is a little out there) as I think everyone should investigate and do whatever they think best.

]]> Comment on 10 Term Life Insurance Facts by Rick http://changecounts.com/10-term-life-insurance-facts.html/comment-page-1#comment-1352 Rick Tue, 02 Feb 2010 00:52:07 +0000 http://changecounts.com/10-term-life-insurance-facts.html#comment-1352 gulfview00@aol.com You are a fool. Just like I would never say a person always needs whole life or universal insurance, I would never say you only need term insurance in every case. That is like saying that everyone only needs to buy one stock, or have one type of mortgage. True financial planning looks at a person's short term and long term needs. What will this insurance be used for, what specific needs are going to be met with this particular policy? With higher net worth individuals single premium or even better a five or seven pay life insurance plan can be not only a great way of taking care of life insurance needs but it can be a fantastic investment. There is no such thing as one single fix. I suggest you take your website down and rethink your advice. gulfview00@aol.com You are a fool. Just like I would never say a person always needs whole life or universal insurance, I would never say you only need term insurance in every case. That is like saying that everyone only needs to buy one stock, or have one type of mortgage. True financial planning looks at a person’s short term and long term needs. What will this insurance be used for, what specific needs are going to be met with this particular policy? With higher net worth individuals single premium or even better a five or seven pay life insurance plan can be not only a great way of taking care of life insurance needs but it can be a fantastic investment. There is no such thing as one single fix. I suggest you take your website down and rethink your advice.

]]> Comment on 10-10-80 Rule of Investing by Mack http://changecounts.com/10-10-80-rule-of-investing.html/comment-page-1#comment-1331 Mack Sat, 29 Aug 2009 14:16:24 +0000 http://changecounts.com/10-10-80-rule-of-investing.html#comment-1331 Faith is necessary as a cornerstone of understanding God and understanding how you can "give money to God". You are right if you are saying God owns it all anyway. But you may be missing the point that God allows us the freedom to work and strive and acquire things here on earth. He gives us the freedom to show Him that we love Him by having the faith to "give back a portion" of what we have made. True, we should use good judgment , but also it is a matter of faith. Can God direct your giving to where He wants it to go? Did He create the universe? I think He can handle it, but faith is first. Faith is necessary as a cornerstone of understanding God and understanding how you can “give money to God”. You are right if you are saying God owns it all anyway. But you may be missing the point that God allows us the freedom to work and strive and acquire things here on earth. He gives us the freedom to show Him that we love Him by having the faith to “give back a portion” of what we have made. True, we should use good judgment , but also it is a matter of faith. Can God direct your giving to where He wants it to go? Did He create the universe? I think He can handle it, but faith is first.

]]> Comment on 10-10-80 Rule of Investing by curious http://changecounts.com/10-10-80-rule-of-investing.html/comment-page-1#comment-1330 curious Tue, 25 Aug 2009 16:19:27 +0000 http://changecounts.com/10-10-80-rule-of-investing.html#comment-1330 How do you give money to God? It is impossible. You can give money to those less fortunate and expect nothing in return expect an intent to improve someone else's life. However, it is important to recognize that the giver needs to take some responsibility to make sure their gift is not wasted. Giving to a church does not necessarily mean it is a good gift. How is the money being spent? It is being spent on a new church or new furnishings (which is inherently a selfish act to make the giver feel better) or is it actually going to feed / clothes / educate those less fortunate? How do you give money to God? It is impossible. You can give money to those less fortunate and expect nothing in return expect an intent to improve someone else’s life.

However, it is important to recognize that the giver needs to take some responsibility to make sure their gift is not wasted. Giving to a church does not necessarily mean it is a good gift. How is the money being spent? It is being spent on a new church or new furnishings (which is inherently a selfish act to make the giver feel better) or is it actually going to feed / clothes / educate those less fortunate?

]]> Comment on 16 Roth IRA Facts by Kandy http://changecounts.com/16-roth-ira-facts.html/comment-page-1#comment-1327 Kandy Sat, 16 May 2009 17:40:16 +0000 http://changecounts.com/16-roth-ira-facts.html#comment-1327 Hi there, I need to know if my husband and I go bankrupt, Can they touch our roth annuity and our kids college funds? Thanks Hi there, I need to know if my husband and I go bankrupt, Can they touch our roth annuity and our kids college funds?
Thanks

]]> Comment on Seven Reasons Why You Did Not Get a Stimulus Check by Lucia Weeks http://changecounts.com/seven-reasons-why-you-did-not-get-a-stimulus-check.html/comment-page-1#comment-1324 Lucia Weeks Wed, 18 Feb 2009 17:37:50 +0000 http://changecounts.com/seven-reasons-why-you-did-not-get-a-stimulus-check.html#comment-1324 I did not file self employment but then did witch cost over 900.00 to file with jackson Hewitt .My ducks are in a roll as some say with the IRS . I should have recived as did others .Thank You for your moment. I did not file self employment but then did witch cost over 900.00 to file with jackson Hewitt .My ducks are in a roll as some say with the IRS . I should have recived as did others .Thank You for your moment.

]]> Comment on Seven Reasons Why You Did Not Get a Stimulus Check by Krystal http://changecounts.com/seven-reasons-why-you-did-not-get-a-stimulus-check.html/comment-page-1#comment-1319 Krystal Fri, 06 Feb 2009 20:54:37 +0000 http://changecounts.com/seven-reasons-why-you-did-not-get-a-stimulus-check.html#comment-1319 My husband and I filed our 2008 taxes the other day and were told by our preparer that we will be getting the remainder of our stimulus check soon (We only got $750 last spring, not the 1,200 and do not owe money to the gov.). I would like to know if this is true and if so when will they start sending the checks? Thank you. My husband and I filed our 2008 taxes the other day and were told by our preparer that we will be getting the remainder of our stimulus check soon (We only got $750 last spring, not the 1,200 and do not owe money to the gov.). I would like to know if this is true and if so when will they start sending the checks? Thank you.

]]> Comment on Seven Reasons Why You Did Not Get a Stimulus Check by Rose http://changecounts.com/seven-reasons-why-you-did-not-get-a-stimulus-check.html/comment-page-1#comment-1314 Rose Wed, 04 Feb 2009 18:31:03 +0000 http://changecounts.com/seven-reasons-why-you-did-not-get-a-stimulus-check.html#comment-1314 I am still in a state of shock that I did not qualify for last year's stimulus check! I earn slightly over $100,000 - I am a homeowner and a single mother (2 kids) and while I am not struggling, I am certainly not living a life of leisure. How does this government justify giving a check to deadbeats who earned ZERO income and not to a hard-working single mother??!!! I am sure I will get shafted on this next stimulus check as well! I am still in a state of shock that I did not qualify for last year’s stimulus check! I earn slightly over $100,000 – I am a homeowner and a single mother (2 kids) and while I am not struggling, I am certainly not living a life of leisure. How does this government justify giving a check to deadbeats who earned ZERO income and not to a hard-working single mother??!!! I am sure I will get shafted on this next stimulus check as well!

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