We had a great turnout for the teleseminar this afternoon. Every virtual seat was taken, we even had to add more phone lines to accommodate everyone!


I know a lot of you could not be on the teleseminar this afternoon so I have uploaded a link to the audio file for you.


“Retirement Myths Shattered”

Let me know what you think.


Plus, a lot of people have been asking me for the links I gave out on the call so:


Special Report “Solving the Riddle of Retirement Income” is http://www.mybbrc.com/solvingtheriddle


More Info About The Ultimate Retirement Solution Kit is http://www.mybbrc.com/ultimate-retirement-solution-kit

-Richard

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Wow, what a turn out I had on my teleseminar today… every virtual seat was taken, we even had to add more phone lines to accommodate everyone! We had such a fantastic call, thanks for those who were in attendance.


For those who missed it, I rolled out some great strategies on how you can really take the next years of your life and turn them into the best years of life. Let’s face it with the way the economy is going, us Baby Boomers need to stick together. That’s why I’ve been working for several years now amassing some inspiring experts, tips, tools and resources for you to help carry you into retirement and make the most out of your coming years.


You and I have to be prepared. Be smart. Be one step ahead.


Let’s be honest with each other. Do you currently live in fear, or are you encouraged about the next stage of your life? Do you sometimes worry that your retirement years will now be focused mostly on struggling just to keep your head above water?


The laws are changing. The rules are changing. We are changing, and we need answers…real answers that make sense for us and are truly in our best interests.


You’re not alone…not by a long shot.


Boomers need a real place they can call their own.
A comfort zone we can count on.


THE SOLUTION: Until now—there really was no viable place for you to go to get the real “unbiased” facts and solutions to the real issues that are affecting you—and the solutions that are truly in your best interests.
NOW THERE IS.


That’s why I’m writing you, to tell you something really exciting, at last, I’ve opened the doors to my Baby Boomer’s Retirement Club Platinum membership!


And this email is YOUR special invitation.
http://www.mybbrc.com/ultimate-retirement-solution-kit/


The doors are open for just 397 new charter members to obtain the 2010 BBRC Ultimate Retirement Solution Kit with incredible bonuses and gifts worth over $619.31, along with 30 full days of complimentary Platinum Elite BBRC Membership —


—And join a totally personalized website, community, and home-study process that caters 100% to helping each and every Platinum member Baby Boomer…


You have to act now and take control of your life, your future… Don’t wait, time is running out. I’m only accepting 397 Baby Boomers in my membership. The reason I’m limiting the number of members is because I’ve added SO MANY benefits and bonuses that I don’t want to sacrifice the quality of your membership. So….


The time is now…
Click here to see your Ultimate Retirement Solution Kit!
http://www.mybbrc.com/ultimate-retirement-solution-kit/


-Richard

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My friend Stu never thought he would be a guinea pig. He had never been sick a day in his life.


Then a persistent cough wouldn’t go away for months. When he finally found out the cause it was a large aneurysm the size of an orange, blocking the main artery to his heart. He was told it could burst at any time, and feared he only had 3 days to live.


He went to the top surgeon specialist in his state, who told him the only option was a massive, high-risk surgery with a 15% chance of leaving him dead or paralyzed for life-and a recovery time of at least 6 months if he was lucky.


He refused to accept this option. (Did I mention he has 5 kids?)


Today, Stu is not just alive, but feeling better than ever.


How did he do it? Find out in the “Myths About Your Health” segment of my upcoming Teleseminar “Retirement Myths Shattered.”


Register now so you don’t get closed out.




Here are the details for the call:
Date: Thursday, March 4, 2010
Time: 2PM EST (11AM Pacific) and again at 8PM EST (5PM Pacific)


——————————————————————————–
Register now for the “Retirement Myths Shattered” Teleseminar
http://www.mybbrc.com/2010secret
———————————————————————————


On this complimentary Teleseminar call I will also include some surprise guests talking about ways to overcome challenges that could set-back your retirement dreams. I will be giving you take-away pointers that you can put into action today. We only have space for 97 participants in each session. There is no charge, but you must secure your spot now to avoid being closed out. All accepted participants will receive a special thank you gift; a special report entitled “Solving the Riddle of Retirement Income” which will be delivered to you by email along with your confirmation


On the call, I will give you concrete information like how you can create ongoing income streams after you retire and how to preserve your health and create vitality, to name a few.




———————————————————————————
Register now for the “Retirement Myths Shattered” Teleseminar
http://www.mybbrc.com/2010secret
———————————————————————————


Here’s what you’ll learn in just 75 minutes:


1. How to have enough money in retirement
2. What are the best investments you can make
3. How to have an ongoing income after retirement
4. What you can do to preserve your health and vitality and avoid serious illnesses
5. How you can best provide care for aging parents
6. Where should you live after retirement

This Teleseminar will give you a better grasp on your big decisions in 2010 and beyond.


As I said before, registration is limited to the first 97 people who register for each session so I recommend you sign up immediately at the link below.


———————————————————————————
Register now for the “Retirement Myths Shattered” Teleseminar
http://www.mybbrc.com/2010secret
———————————————————————————


Sincerely,


Richard Roll


Founder of BBRC
Baby Boomers Retirement Clu.b

P.S—NOTE FROM RICHARD ROLL: Don’t forget to sign up for this Teleseminar and put it on your calendar. You won’t want to miss these tips and tools, as well as the special surprise I have for you at the end of the call. And, I’d love to hear from you. Please go to my blog http://mybbrc.com/blog/?p=143 and post any questions or comments that you might have.

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Did you see the article that Business Week published on February 24, 2010? The article was called “U.S. Economy: New-Home Sales Unexpectedly Fall to Record Low.” It said that the rate of sales of homes in the United States fell in January 2010 to the lowest on record. That’s great for new home buyers but not so great for people trying to sell their home, or trying to buy place to live in retirement on the proceeds from their current home…at least not in America. And needless to say, this article has resulted in a lot of people asking me all kinds of questions about their retirement plans.


All of these “where to live in retirement” questions made me think of a friend of mine. Her name is Stephanie and she used to live in Canada, near Vancouver. Stephanie is divorced, a little adventurous and open to new possibilities. When she retired from her job, she analyzed her living situation and finances and decided to sell her house, buy an RV and travel around. She always loved warmer weather, so it’s not surprising that her RV landed in Mexico a few months later. She loves the location, the weather, the culture, and most of all the price. She lives down in Mexico for a fraction of what it cost her to live in Canada, and is free to travel the Pacific coast to visit friends when the spirit moves her.


Why am I telling you about Stephanie? Well, I think Stephanie is a lot like many Baby Boomers. She wanted to live in her ideal climate and enjoy her retirement years with money to spare to do what she wants to do. It’s no secret that the combination of the real estate market decline, our increased longevity, shrinking 401ks and globalization have changed the game board forever for Boomers. There are new things to think about when it comes to find and determine where you should live in retirement.


There are some great steps for you to take now to find and ideal retirement haven where you can find higher quality of life at a lower cost than you ever imagined. And that’s why I’m conducting this fascinating no-charge Teleseminar to give you with some “don’t miss” concepts I think you’ll find fascinating. I’ll be discussing how you can personally determine your ideal retirement locale and what factors you need to consider when choosing a location, or deciding between multiple options. On the call will be three guest experts, each of them hand-picked by me (each one an expert on some aspect of real estate and retirement living) because they will be bringing you their special expertise and their insight on this topic which is under-considered and so critical to your future.


Here are the details for the call:
Date: Tuesday, March 2, 2010
Time: 2PM EST and again at 8PM EST


—————————————————————————————-
Sign Up Here for the “Best Places to Live in Retirement” Teleseminar
http://www.mybbrc.com/best_places_to_live_in_retirement/
—————————————————————————————-


On this call we will be discussing how to make the ideal decision for you, how to put the pieces together, and the critical factors you MUST consider. We only have space for 97 participants in each session. There is no charge, but you must secure your spot now to avoid being closed out. All accepted participants will receive a follow-along worksheet handout that will be delivered by email to you with your confirmation.


—————————————————————————————-
Sign Up Here for the “Best Places to Live in Retirement” Teleseminar
http://www.mybbrc.com/best_places_to_live_in_retirement/
—————————————————————————————-


Here’s what you’ll learn in just 75 minutes:


How to choose the best retirement locations for you


When you should NOT consider retiring overseas


You will learn your A, B, Cs…it’s not what you think and well worth learning


The 5 critical factors that you must consider before you begin investigating


How to find a retirement locale that’s more affordable than where you live today


The Top 10 affordable places to retire in the United States


How much housing your dollar will buy


You will learn clear, unbiased answers to these questions and much more…


Our guest experts will answer your questions that you submit by email.


Registration is limited to the first 97 people for each session so I recommend you sign up immediately at the link below.


—————————————————————————————-
Sign Up Here for the “Best Places to Live in Retirement” Teleseminar
http://www.mybbrc.com/best_places_to_live_in_retirement/
—————————————————————————————-

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On Tuesday, February 23rd, I held a teleseminar called “Annuity Myths Shattered”. It had a great turnout and we covered some really valuable information. In fact, a lot of people expressed to me how much they enjoyed this teleseminar.


A lot of people also told me that the were unable to attend the teleseminar but wanted to. So, I am providing the audio for a limited time here on my blog so that the ones who missed the teleseminar can hear it and so that the ones who already heard it can hear it again if the want to.


“Annuity Myths Shattered”
With Special Guest, Sean Rogers

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Did you see the article that Business Week published on February 24, 2010? The article was called “U.S. Economy: New-Home Sales Unexpectedly Fall to Record Low.” It said that the rate of sales of homes in the United States fell in January 2010 to the lowest on record. That’s great for new home buyers but not so great for people trying to sell their home, or trying to buy place to live in retirement on the proceeds from their current home…at least not in America. And needless to say, this article has resulted in a lot of people asking me all kinds of questions about their retirement plans.


All of these “where to live in retirement” questions made me think of a friend of mine. Her name is Stephanie and she used to live in Canada, near Vancouver. Stephanie is divorced, a little adventurous and open to new possibilities. When she retired from her job, she analyzed her living situation and finances and decided to sell her house, buy an RV and travel around. She always loved warmer weather, so it’s not surprising that her RV landed in Mexico a few months later. She loves the location, the weather, the culture, and most of all the price. She lives down in Mexico for a fraction of what it cost her to live in Canada, and is free to travel the Pacific coast to visit friends when the spirit moves her.


Why am I telling you about Stephanie? Well, I think Stephanie is a lot like many Baby Boomers. She wanted to live in her ideal climate and enjoy her retirement years with money to spare to do what she wants to do. It’s no secret that the combination of the real estate market decline, our increased longevity, shrinking 401ks and globalization have changed the game board forever for Boomers. There are new things to think about when it comes to find and determine where you should live in retirement.


There are some great steps for you to take now to find and ideal retirement haven where you can find higher quality of life at a lower cost than you ever imagined. And that’s why I’m conducting this fascinating no-charge Teleseminar to give you with some “don’t miss” concepts I think you’ll find fascinating. I’ll be discussing how you can personally determine your ideal retirement locale and what factors you need to consider when choosing a location, or deciding between multiple options. On the call will be three guest experts, each of them hand-picked by me (each one an expert on some aspect of real estate and retirement living) because they will be bringing you their special expertise and their insight on this topic which is under-considered and so critical to your future.


Here are the details for the call:
Date: Tuesday, March 2, 2010
Time: 2PM EST and again at 8PM EST


—————————————————————————————-
Sign Up Here for the “Best Places to Live in Retirement” Teleseminar
http://www.mybbrc.com/best_places_to_live_in_retirement/
—————————————————————————————-


On this call we will be discussing how to make the ideal decision for you, how to put the pieces together, and the critical factors you MUST consider. We only have space for 97 participants in each session. There is no charge, but you must secure your spot now to avoid being closed out. All accepted participants will receive a follow-along worksheet handout that will be delivered by email to you with your confirmation.


—————————————————————————————-
Sign Up Here for the “Best Places to Live in Retirement” Teleseminar
http://www.mybbrc.com/best_places_to_live_in_retirement/
—————————————————————————————-


Here’s what you’ll learn in just 75 minutes:


How to choose the best retirement locations for you


When you should NOT consider retiring overseas


You will learn your A, B, Cs…it’s not what you think and well worth learning


The 5 critical factors that you must consider before you begin investigating


How to find a retirement locale that’s more affordable than where you live today


The Top 10 affordable places to retire in the United States


How much housing your dollar will buy


You will learn clear, unbiased answers to these questions and much more…


Our guest experts will answer your questions that you submit by email.


Registration is limited to the first 97 people for each session so I recommend you sign up immediately at the link below.


—————————————————————————————-
Sign Up Here for the “Best Places to Live in Retirement” Teleseminar
http://www.mybbrc.com/best_places_to_live_in_retirement/
—————————————————————————————-

Bookmark to

You’re a Baby Boomer. That means you’re over 45, maybe over 60. Do you have a house? A car? A timeshare in the Bahamas? A saving account at your local bank? All of these things are assets no matter how small or insignificant you may think they are.


You may have made the statement, “I don’t care what happens to my money. When I’m dead, I’m dead.” But, in fact, that is exactly the effect when you do not have an up to date will. This will turn into a nightmare for your kids and other close relatives when the time comes.


You owe it to your family harmony to prevent the wasted time squabbling and bickering that will inevitably occur when your nephew is in a legal war with your sister for his deceased mother’s half share of your state as a result of your death.


I want to make it easy for you to have an updated will. I also want to make it easy for you to find a cost effective attorney who can help you get it done quickly easily. So, here are the basics of a will as well as the role of the executor so that you can make the right choices for your estate plans and harmony will be preserved.


WHO SHOULD HAVE A WILL?
Everyone…Your Mom, Your Dad, Your Spouse, You, Your Siblings, etc.


For most people a simple will is sufficient for outlining and controlling how our real estate, financial assets and even personal property is to be distributed among family, friends and possibly charitable organizations.


Being Without A Will Is a Dangerous Thing to Be
People who die without a will are said to die intestate. That means without a will your earthly assets are left to the whims of the court. Typically property goes first to a spouse, then to children and their descendants. If there are no descendants, the rule sends you back up the family tree to the parents, the siblings, the siblings’ descendants, the grandparents, the parents’ siblings, and the parents’ siblings’ descendants, and sometimes further to the more remote degrees of kinship. The specific rules vary state by state but you can expect that the general framework outlined above will apply. BUT THIS DOES NOT MEAN THAT EVERYONE IN YOUR FAMILY WILL AGREE WITH THE COURT’S RULING–Yes, the court will decide how to divy your assets. Not to mention that most family trees are much more complicated than the one above which can further complicate and hold up the court’s decisions.


WILLS: THE BASICS

A will is a relatively simple legal document, with certain statements (”attestations”) that need to be made. For example, the maker of the will has to attest that he is revoking any previously made wills.


There is no legal requirement that a will be drawn up by a lawyer, and there are now books and kits available in bookstores and on the internet that provide templates for writing a will. Platinum members of the BBRC receive one as part of their membership. However, deciding how to distribute own’s money, property and belongings is a highly personal matter, and many people benefit from the experience and counsel of an experienced attorney who can share stories on how other clients have made similar decisions. And there are pitfalls to a homemade will. The person who makes his own will is not available to explain him or herself, or to correct any technical deficiency or error in expression, when it comes into effect on that person’s death, and so there is little room for mistake.


In a will, you name a “personal representative” of your estate, called an executor. This person or institution (e.g., a bank or trust company) is appointed to carry out your wishes according to your testament, and they receive a fee–typically 3% of your estate–for their troubles.


You can also nominate a guardian for your minor children and their estates. Without such a nomination, the court can appoint a guardian based on other information, often depending upon who volunteers.


The person making a will must sign and date the will in the presence of usually at least two disinterested parties (people who are not beneficiaries of the will). Typically several identical copies of the will are signed, dated and witnessed, and filed away in different known, safe places. It is critical to let family members know where these copies are stored–and the preparing attorney usually holds one of the copies–so that when the time comes, the will can be produced.


THERE IS NO REASON TO KEEP YOUR WISHES A SECRET
In fact, it is best to tell anyone who expects a benefit what they are going to receive in order to avoid squabbles–like the contesting of a will that we hear about in films and television shows.


Recently, for example, we saw this in the unexpected death of Michael Jackson. There were lessons to be learned. Read more about them here.

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Happy New Year! This is the year to put some really inspiring and fun resolutions in place for 2010, the beginning of a new decade…


Spending some time putting together your resolutions is something that I like to do each year. One of my resolutions is to get more on what type of investments I’m putting my money in, and what it’s doing for me. I always like my money to work a little harder than I do! And since the economy has been in the doldrums for a while, it’s time to reorganize and relook at where your money is and look at some other places to invest.


Here’s something else I’ve been paying a lot of attention to – getting the most up-to-date thinking about how to maximize your retirement income, and I’ve across some great ideas and wanted to share them with you.


There’s a financial solution that I’ve found that most people (including myself) have gotten the wrong idea about – it’s Annuities. Somewhere along the financial line they’ve gotten somewhat of a bad rap. Where I’m here to tell you, they can be a really great investment as part of your retirement game plan, and I have the most up to date information I wanted to share with you about them.


And that’s why I’m conducting this no-charge teleseminar about Annuities, with some concepts I think you’ll find fascinating:


Here are the details:
Date: Tuesday, February 23, 2010
Time: 2pm and again at 8pm EST.


————————–
Watch a Short Video Here:
http://www.youtube.com/watch?v=c4VBshcpjLk
————————–


On this call we will be shattering many common myths about Annuities. We only have space for 97 participants in each session. There is no charge, but you must reserve your spot now to avoid being closed out. All accepted participants will receive a follow-along worksheet handout that will be delivered by email to you with your confirmation.


————————–
Sign Up Here
http://www.mybbrc.com/shatteringtheannuitymyths
————————–


Here’s what you’ll learn in just 75 minutes:

• What is an Annuity?
• What are the 3 Types of Annuities, and Which Two Should You Avoid?
• How have annuities been changing in recent years?
• What are the 3 conditions that should cause you to rule out buying an Annuity?
• How to Use Annuities to Maximize A Guaranteed Income in Retirement, Without Getting Fleeced
• What Are the Two Most Important Considerations in Choosing an Annuity?
• You will hear a step by step guide to determining if Annuities are an Appropriate Investment Vehicle for You
• What are the “6 Golden Rules” to maximize retirement income?
• You’ll hear about what to look for in an annuity company, what to look for before buying any annuity from anybody (including–or maybe especially, your bank); how to uncover any hidden expenses; and what to features to avoid at all cost.

You will learn clear, unbiased answers to these questions and much more:


My guest expert on the teleseminar is a specialist in retirement income strategies for baby boomers and will also answer your questions that you submit by email.


Registration is limited to the first 97 people so I recommend you sign up immediately at the link below.


————————–
Sign Up Here
http://www.mybbrc.com/shatteringtheannuitymyths
————————–


-Richard

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During these crazy economic times this is a question most Baby Boomers probably don’t want to answer.  Who wants to grapple with their finances? Most people enjoy spending money more than they like saving and it is quicker and easier to spend it than it is to make it.

So, I am asking you…why, when planning for retirement, is it important to analyze your finances?

If the answer seems obvious, then why are most Baby Boomers sorely underprepared for their retirement years?

The key is not just addressing your retirement budget now, but to take in the big picture when you are planning it out. There are a variety of variables that operate independently of eachother but come together to form the “big picture” of your retirement plan.

One of my favorite quotes is from a wise professor who said “Imprecise answers to the right questions are far superior to correct answers to the wrong questions!”  So it is with retirement.

So…don’t you want the right answers…to the right questions?

Here are 8 of the right questions to ask to help you build and understand you peronal “big picture”:

1. What’s your life expectancy (and your spouse’s)?
   You might begin by looking at a mortality table (the Social Security Administration offers one at www.ssa.gov/OACT/STATS/table4c6.html ) to see what the average is for some one of your age and gender.  Of course, you are not average, and other factors to consider include your current health, how healthy a lifestyle you are currently living, and the longevity of your parents and grandparents. So it’s not an easy question to ask but obviously the number of years you live in retirement has big financial implications.
2. How much of an estate do you want to leave to your children and/or charity?
   Many people answer this question by remembering what they inherited but that might only be a guide or an input to your thinking.  Ultimately the issue of the legacy you want to leave behind is a highly personal question about your goals and aspirations.  The range of possible answers is enormous, ranging from a goal of spending everything in your lifetime and dying penniless to buying a huge life insurance policy that leaves your beneficiaries richer than you ever were.
3. What will the inflation rate be during your retirement?
   Perhaps a milder, more easily answered question is “How do you feel about inflation?”  Are you bearish or bullish?  Do you want to protect yourself against erosion of the purchasing power of your savings, or in the face of inflation do you simply want to cut back on your lifestyle?
4. How much will I collect from Social Security?
   This is one of the easier questions to answer because by the time you hit your late fifties you can pretty much calculate it.  On the other hand, you have choices: do you start collecting a reduced amount at age 62, wait until you hit the official retirement age of 66 and collect more, or even defer until 72?
5. How much do I have in savings and investments and how much can I reasonably withdraw each year ?
6. How much will I spend in my retirement?
7. How volatile is my investment portfolio?
8. How much could I earn if I kept working in my retirement?

Do not avoid you finances.  I have created a little worksheet that I think will make this process a little easier.  Let me know what you think.

Click here to download a free worksheet from BBRC.  It will help you to visualize how much money you will realistically need in retirement.

DOWNLOAD YOUR FINANCIAL PLANNING PDF NOW

I would love to know if you did (or even if you didn’t) find this article and PDF helpful.  Leave me a comment.  Also, I would love to know your #1 most burning question about retirement planning.  I can’t answer it if you don’t ask it so, leave me a comment below.

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The odds are that in retirement or semi-retirement, you’ll have more time to spend with your spouse/partner. So it is understandable that you will rub elbows.


I recently interviewed Sharon M. Rivkin, M.A., M.F.T., author, speaker and family therapist about how to stop fighting with your spouse and significant others without therapy…because what relationship is perfect?


Listen to the interview by clicking below or download the MP3. I think you’ll like it.

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