Tax Planning – Why You Need Retirement Planning Assistance

Why You Need Retirement Planning Assistance


Although most people eager look forward to the day when they can retire, few of these individuals are doing all that they can to financially prepare for this time. Getting retirement planning assistance is one of the best things that you can do to gain assured comfort and financial health during your later years. A qualified adviser can help you protect your portfolio from extraordinary taxation and inflation. (see more at


Certain investments are good for long-term savings given that these are guaranteed to stay ahead of inflation. They will have the same overall value when it is time for consumers to rely on these. Others, however, will gradually diminish in worth throughout the years. Although they might seem like solid investments now, the related returns can be greatly diminished by the passage of time.


It is important for people to note that all portfolios must have some measure of risk associated with them. Profit potential is usually directly associate with the amount of risk that an investment entails. Thus, people who want to implement aggressive savings plans for greater comfort and financial health will need to work with advisers who can show them how to mitigate this risk.


Diversification is important as well. Those who are preparing for their retirement years should have a diverse array of investments as this is a great way to mitigate risk and to acquire assured profits. People can invest in stocks, bonds, precious metals. They can also take advantage of the extraordinary profit potential of emerging markets for long-term investments.


If you want to be truly diligent in the management of your retirement photo, you or your advisers should review it once every few years (see comments by Richard Tjiong). This will allow you to reallocate your assets as needed, to address areas of increased risk or profit potential. Moreover, you adviser can use these reviews as an opportunity to help you find further tax shields based upon the most recent changes in tax laws. See more on planning for your retirement at

For more info on Trustee Regulations and the Australian court rulings in relation to this see article by Richard Tjiong at

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Nationwide Debt Direct – debt settlement benefits

The Benefits of Debt Settlement


When it comes to debt management options, one of the lesser-known yet effective ways to get your debts under control is debt settlement. Nationwide Debt Direct settlement is as straight forward as it sounds-you settle your debt- but you can either do it outright or over a short period of time, for less. Let’s explore the benefits of debt management, to see if it’s the right debt management option for you.


  1. Get Debt Free- Fast


There really isn’t a quicker way to get debt free than by settling your debts. When you make an agreement with your creditor, you can make a payment of as little as 50% of the overall amount, in no time at all. Once you have set the parameters of your repayment with your creditor and completed the agreed payment, you’re debt free! A Nationwide debt direct debt settlement company can advise you on credit settlement options and get you the best repayment prices, so make sure to do your research.


  1. Save Money


By paying less of your debt’s overall amount you’ll be saving an initial sum of money, but have you considered the money that you will save in the long term? Without a debt to pay, you will no longer owe interest to your creditors, not to mention late fees and any hidden charges that may have been linked to your original debt. This will save you money throughout the course of a year, as well as throughout the course of the initial loan agreement term.


  1. Reduce Stress


It’s no secret that financial troubles cause stress for many of us, and that stress can last for years into the future. As circumstances change, so do our needs and not having to pay off a certain, significant debt can give you some much needed financial backup in the long term. Not having to deal with the stress of paying off a particular debt you can relax, and focus on the more important things in life.


  1. Start Fresh


It never hurt anyone to make a fresh start, and getting on top of your financial situation in its entirety is the best possible way to wipe the slate clean. Other debt management plans may allow you to keep existing credit options, such as credit cards and store cards, but if you are struggling to make repayments it’s not likely to work out for the best in the long term. Declaring bankruptcy is often a solution that has severe ramifications down the line too, so the only way to get debt free and clear the slate is to settle your debts.


So as you can see, debt settlement really is a great way to get debt free without making a mountain out of a molehill, so if you are struggling to repay your debts and would like more information about your debt settlement options, please feel free to contact us at Nationwide Debt Direct today.



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Douglas E. Castle

About business consulting Douglas E Castle : Ensuring that a business expands as effectively as possible is a very important thing for any company owner to think about and knowing the right way to do so can make a lot of difference. The financial position of an organization will say a lot for the way in which it can grow, and so getting on top of your finances as quickly as possible should be a priority.


Knowing how to perform specific tasks such as crowd funding, investment sourcing and capital management isn’t always an option for business owners, but that’s where a business consultant will come in handy. They will be well versed at the inner workings of business management and so will able to all but guarantee that the best chance of financial backing is achieved.


Crowd Funding


This form of financial backing has only been in existence over the past decade or so, mainly due to the existence of the internet. Crowd funding will typically rely on a range of investments from a variety of contributors. These contributors can be offered shares in the company in exchange for their participation, but in many instances the promise of a return payment with interest can help to sway the masses. Knowing the right angle of approach is very beneficial and a business consultant will be able to gauge how effective particular marketing ploys may be when compared to others.


Private Investments


Certain individuals and businesses will look for unique investment opportunities that can offer a return on their initial investment, and being sure that your organization becomes one of these opportunities is something that business consultants specialize in. By developing a business plan, a company can benefit from positive exposure that promises investors a reliable opportunity to turn their investment in to a profit as time progresses.


Inventory Financing


One of the biggest outputs for a business is the cost of operating. Everything costs money; from powering a factory, to paying members of staff. It’s not always as simple as accounting and there are several varying aspects to consider. These aspects may not always be obvious to business owners, but they will often be second nature to a business consultant. By understanding the inner workings of a businesses’ spending habits, it will be a simple task to make alterations to these activities in order to improve their financial standing.




One of the most frequently overlooked activities within a business is the requirement for insurance. In cases where standard insurance may not provide full coverage, it may be necessary to obtain an alternate level of insurance. Knowing the right type of insurance to choose can make a lot of difference and can even help to eliminate unnecessary policies which can sometimes add to a budget.


As complicated as the majority of these aspects may sound; they are a simple task for experienced business consultants the likes of which you will find at Douglas E Castle Consultancy, and can make all the difference to a businesses’ potential.


Listen to Douglas E Castle here, and here

Read More | January: a Month of Volatility

By | Posted 02 Feb 2015

January 2015, was a month that saw a lot of major moves in every facet of the Markets, from Stocks, to Currencies to Commodities. It saw United States Stock Markets show disturbing losses for this month accentuated with a major sell-off during the last couple of hours of trading last Friday as Investors grappled with a downbeat U.S. Gross Domestic Product. January was a tough month for Stocks there. On the other hand, as Europe battled with the ever weakening Euro their Stocks Markets actually showed positive gains for January. The German DAX, Great Britain’s FTSE, French’s CAC 40, were all up.

How many Investors were caught off side January 15 with the traitorous decision by the Swiss National Bank to do a 180 degree turn on its Policy to maintain a EUR/CHF peg of 1.2000, culminating in hundreds of millions of Dollars of losses and wiping out thousands of retailer accounts along with some bankruptcies of some major brokers. The aftermath is still being dealt with as new rules on Leverage are coming in.

OIL lost on the month, 9%, but so many Traders on Friday were napping when the Big Boys stepped up to the plate reversing the OIL market by short covering, taking profit on news of more U.S. Oil rigs (94) stopped drilling and went out of production. Price soared UP 8% on this one day alone, the largest move in two and a half years.

Europe, Russia, Japan, China, Australia, and Canada continued in January to have their economies keep shrinking. A prominent economist from the United States is the first person to officially declare that the Canadian recession has now arrived as Friday’s GDP showed the biggest Factory Drop for orders in 6 years. Canada just cut its Interest Rates but this will not stop a recession as their Housing bubble is getting closer and closer to the tipping point, the poor old Loonie got beat up again on Friday.

As the US Dollar kept strengthening in January, (but lower on last week) there will come a time when United States exports will be too expensive hurting US Manufacturing, decimate multinational revenues, and don’t forget, this makes U.S. Tourism more expensive.

January saw a new Greek Prime Minister but he and Angela Merkel of Germany are heading for a collision course in the coming months over austerity and Greek debt owed. France over the weekend said they will support Greece with a new contract adding to the German turmoil. The Euro actually stabilized quite nicely after the election, (trading in a wedge) however statistics show deflation is deeper than expected across the Euro Zone as Draghi prepares to kick start his form of Q.E.

Gold and Silver, despite an awesome comeback on Friday (US Dollar weakened) from Thursday’s huge sell-off, still ended the week “down” from the Monday open, but for the month of January they are massively up, with GOLD an impressive $140.00 rise but now must break 1300.00 mark and then some major resistance at pivot, psychological area of 1400.00 to change the dynamics of the Bull/Bear debate.

Geopolitically, tensions and conflict are rising once again in Ukraine as NATO plans a permanent bases across Eastern Europe to the dismay of Russia as it raises the ante with more aggression.

The Euro has opened the new trading week with some strength against most currencies. Will this continue?
GOLD, SILVER, and OIL all opened up lower but early days yet.

The week ahead is chock full of major news announcements that will surely provide all the volatility that any investor or trader could desire. For Monday, February 02, China starts off with its Manufacturing PMI, a leading indicator of economic health, then Spain will be releasing their unemployment figures. Both Great Britain and United States will have their Manufacturing PMI’s come out and will provide some movement to the GDP and USD. The rest of the week is filled with Trade balances, official bank rates, Retail Sales and to culminate the week, this coming Friday is the most watched report of them all, US Non-Farm-Payrolls, how many new jobs were added to their economy.

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ATPartnerships Market News

DAX, CAC 40, and FTSE Down as the Euro Strengthens

By AT Partnerships | Posted 05 Dec 2014

Yesterday’s trading action, Thursday 4th December, had so many important news releases that turned out to be basically non events. Most Stocks and Currencies ended their trading in just about the same position they started with some gyrations in the middle. This whole week has been one of non commitment from the Big Boys out of London and New York. This so often happens during the week of the U.S. “Non Farm Payroll”, (employment new jobs release), the most widely and anticipated release for the entire month and can set-up the trading directions as new longer term positions are implemented. NFP is today during the US session. The DOW and S&P 500 closed almost to the penny of the open with Commodities, Gold, Silver, Oil very flat indeed, all trading in tight ranges.

Now, if there was any action of note, it was in the Euro Zone. What has Mario Draghi done? Yesterday’s major ECB Conference did have some impact as the DAX, CAC 40, and FTSE were all down with the Euro strengthening against most currencies especially the US Dollar, but not surprisingly, not against the CHF – the Swissy which did hit Monday’s lows of support, EUR/CHF, of 1.2019 sitting at a vulnerable 1.022 at the moment with the Swiss National Bank holding their cards very close to their chests. Draghi has dashed all hopes of any Quantitative Easing (QE) in the year of 2014. Markets were disappointed and so weakened in Europe, Euro faking a little strength.

Bigger repercussions await Draghi in the new year. The German newspaper “Die Welt” just released an article that says Draghi has lost the majority on the ECB Executive Board. This is huge as now it appears inner resistance is greater than previously thought so he can no longer count on the majority. The bottom line is that the European outlook for growth and inflation remain bleak.

There is not much happening for news releases until the open of the European session where Switzerland will report on their Currency Reserves where maybe we can learn something about their EUR/CHF; SNB’s intention to protect the exchange rate floor of 1.2000. This report comes out once a month and can have an impact on currency movement. During the U.S. session, Canada will release important Trade Balance data at the same time of the long awaited NFP, the big one, the most impacting report during a one month period where volatility is guaranteed to occur.

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ATPartnerships – Negative GDP Q3 Results For Japan

Negative GDP Q3 Results For Japan

By ATPartnerships | Posted 18 Nov 2014

Monday’s trading gave us a mixed bag of results in Currencies, Commodities and Stocks. No real commitments or changes in strategies by London or New York big boys were noted. The important news was out of Japan, the world’s third largest economy, much of their negative GDP Q3 results were being digested by Investors where Japan is now firmly in a recession. The new sales tax that was going to be soon implemented has now been put on hold due to the latest GDP numbers. All these occurrences will lead Prime Minister Abe calling for a new Election! The World should be wary, as Japan’s economic woes could be contagious!

Most stocks did finish higher on both sides of the Atlantic but overall after a busy Monday, the US Dollar stands as the winner with the Euro disappointingly giving back any gains from last Friday’s surge and the EUR/USD is again preparing to pressure the 1.2400 area where some major support has been developed.

Comments from ECB President Draghi out of Brussels about expanding purchase programs (printing money) gave the Euro no chance for gains as selling was the dominant action.

Gold held on and did not give back any of last Friday’s massive gains so this is a victory for the Yellow Metal! A noted area of former resistance and now minor support of $1180.00 and Gold must hold this if it wants to go higher.

Oil prices have declined for the better part of five months and Japan’s weakening demand for Oil is shown in its Q3 results where strong supply growth is proven. Last weeks “Commitment of Traders” showing futures contracts has an Oil increase with speculators (non-commercial) representing an 8th. contact increase in net Longs which is a surprise.

As Corporate profit rises and the average workers wages are disintegrating along with the Middle Class, prominent American analyst Jeremy Grantham is saying, “the system is broken and the inmates are running the asylum.” To simplify, this artificial Boom with appearances of prosperity will not last and lead to real Depression.

For the Tuesday trading start, RBA, Governor Stevens will give an in depth talk about Australia’s economy. The Aussie Dollar did not fare well yesterday giving back much of its gains from last Friday. Important Great Britain CPI – y/y is next, which will give data that shows inflation: German Economic Sentiment is coming out today and is always a market mover, lastly USD -PPI data – again will show consumer inflation,all in all, a day that could see some strong movement.


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AT Partnerships – Gold & Silver Move on China

Gold and Silver Move up Following Data Out of China

By AT Partnerships | Posted

Up up and away for the US Dollar when the US session opened. Buoyed by positive Housing Data and statements from the European Central Bank that they may increase corporate debt to boost inflation in the Euro area had the Euro weakening massively dropping the EUR/USD pair 130 pips over the next 12 hours. After such a strong move,this pair is now taking a rest at previous support, the 1.2705 area.

The Dollar also recovered against the safe haven YEN during the last 4 hours. Last Wednesday the pair hit a low of 105.18 and has now built a solid base showing strength as it made a surprising push wiping out any session losses and looking strong at 107.06 and looks like it will keep going. (USD/JPY)

Chinese quarterly growth actually hit expectations but was still a disappointment in the eyes of larger investors as their growth is certainly slowing. The Aussie initially showed some benefit from the report but has given back any gains over the last few hours. The Chinese data also affected commodities as Gold and Silver made some noise, both moving up in price initially but again, like so many currencies, most of any profits have been given back during to the mighty US Dollar.
Other casualties of the Dollar are the Swiss Franc taking a direct knock-out punch after bouncing off a double bottom and losing close to a 100 pips. The Canadian Dollar and the Kiwi fared no better, both also not able to hold on to any gains and ended up down on the day.

The US Dollar came out of Tuesday’s trading the unprecedented, king of the currency jungle!

Okay, positive reports are constantly coming out of the United States, the largest economy in the world, the US Dollar bends but does not break, but let us not get lulled into a false sense of security. Private and Government debt is at a staggering 61.9 Trillion Dollars. During the last fiscal quarter the US subtracted 2.8 trillion from the Quantitative Easing policy but added 8.6 trillion to the total debt level, now that math will never add up! Bubbles are everywhere, in housing, student loan debt, debt to GDP, bonds, with liquidity slowing drying up.

Stocks and global shares rallied around the Globe having an impressive day wiping out many losses from the previous week again. Again, this rise was on the prospect of the ECB buying corporate bonds. (QE stimulus)

A very interesting news day awaits the Markets. Many red tag events, like the Australia CPI (inflation data), GBP – official bank rate, CAD – monetary report and interest rate statement, and US – CPI data. All these events are set to keep the investors rocking and rolling, not for the weak hearted, as there will be many violent swings happening upon announcements – until a direction is settled upon.

Read More – A Word On Gold

Gold a Safe Haven as Result of a European Slump

By AT Partnerships | Posted 21 Oct 2014

Monday, was one of those typical lacklustre trading days, no major movements in currencies or stocks, no major news announcements to spur volatility. The results are best described as mixed with the US Dollar dipping slightly on Global slowdowns, and the Euro – the 18 nation currency – getting a boost, as “risk appetite” is starting to make an appearance.

One of the bright lights yesterday was the yellow metal, “GOLD”. Slumping European stocks sparked a safe haven demand for the precious metal. With a 10 dollar gain, resistance is now seen at 1250 and support (minor) around the 1232 a troy ounce. The 1250 area of resistance is also at the 50 day SMA, a determining factor of whether longer term upward momentum can be sustained or whether you get a rejection here with bears ploughing back into the market to push price lower again. Also helping the Gold demand came from reports at the German Bundesbank, stating their Countries economy barely grew in the third quarter as business sentiment has deteriorated, therefore, money came out of stocks with some going into commodities.

Lot’s of debate in America over the coming Quantitative Easing policies ending at the end of this month. CNBC’s, Rick Santelli has a short, interesting debate with renown Peter Schiff over the subject from ZeroHege web site.

Will we return to last weeks currency gyrations for Tuesday’s trading? Maybe not today, albeit China has red tag news coming out. Large investors appear unwilling to make fresh bets before Wednesday’s U.S. Inflation Data and Thursday’s European Manufacturing report. Some analysts are warning of a downside surprise in the CPI Inflation with the biggest reaction to be felt in the dollar/yen pair.

Asian news today has important data coming from China. It will be tough for China to restructure with so much corruption amongst officials. They need to reduce the role of bureaucrats, give rural residents more rights, and limit power of state owned firms. Alas, China officials drag their feet slowing down all businesses. The importance of these news releases cannot be underestimated, the quarterly Gross Domestic Product (GDP), coming out soon,at 10:00 p.m. EST. will determine Chinese policy in the short term. Poor GDP numbers are being expected by many analysts. Will China again slowly turn in on itself or start to embrace more democracy? Ask Hong Kong that question and I bet you know the answer!


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