4 Reasons to Start Your Retirement Fund in Your Twenties


During your 20s, saving for your retirement is not even a far sighted goal. It is nowhere even close to being your concern or priority. Your age is a major reason for you to think it is not necessary. However, I believe this age should be the main reason for you to start saving. Sooner you start the better it is for you. As you get closer to retirement, it gets difficult to save because of your never ending range of expenses and increased responsibilities. Even a little portion of your early savings matter in the long run. You must be thinking “why start now?”

1. Saving little now can benefit in long run

Let us a take a figure of $50,000 as your goal for your retirement fund. Let us say you are now 25 years old and may be will retire at the age of 50. That means you have 25 years to reach your target. If you start saving now every month, you get 300 months (25X12) which means all you need to take out every month is $167 (50000/300) which obviously is not bad at all keeping in mind you do not have a lot of expenses and responsibilities. Say you start saving at the age of 40 when you think the clock is ticking faster to towards retirement. You now have 120 months which implies a monthly saving at the rate of $417 which is almost 3 times than the other option. You need to take a call what works best for you.

2.Tax savings

Saving right from the beginning will definitely help in reduction of taxable income and hence you pay less taxes and plus secure your future.

3. Face unexpected financial downturns

Future is unforeseen. One should be financially prepared to face any financial turmoil in life. The sooner you start saving, the flexible you are to face such challenges. Recovery from such circumstances makes it easier for you if you started saving at the right age.

4. More time implies more money

If we go back to point 1 where you have save $50000 by the age of 50. When you are closer to 50, you might still not wish to retire. That means you have more time to save which definitely means more money in your hands for your retirement. Also, keep in mind with more time the value of the amount invested also appreciates.

The bottom line is regular savings makes one feel confident that you and your life is right on track. It will help you live your present and future life the way you want it to be. You and your family will be ready to deal with challenges with a smile. Early investment is the best thing you could do for yourself and your family’s smooth lifestyle.

Making Extra Income Selling Collectors’ Items Online


From Beanie Babies to antiques, there is a market for every type of collectible item, and for the investor that is looking to diversify their portfolio or the expert that wants to speculate in a long term collection, the Internet offers an ideal opportunity to display those collectibles in front of the people that are most likely to buy. As well as auction sites like eBay, and online marketplaces like Amazon, there are specialist sites that enable you to sell everything from comics to coins.

Find The Right Market

In order to get the highest price, and make the biggest profit, you need to ensure that your collectibles are being seen by those with an interest in them. While it is certainly possible to set up your own website, market your items yourself, and deal with all of the components of selling items yourself, this can be a massive undertaking, especially for an individual collector.

There are a many ways that you can sell your items, but auction and collector sites offer access to the same global audience as a personal website but with greater convenience and other benefits. Find the markets that cater to those that are likely to be looking for the items that you are selling.

Take Photos

Ebay, Amazon, and other online ecommerce markets offer the opportunity to include photos, and collectibles’ buyers want to have a firm grasp of the condition of the item they are considering buying. Take photos, including photos of any damage that you are listing, and try to ensure that these are in high resolution and well shot. Post as many pictures as you can, and that you are allowed.

Write Descriptions

While a picture is worth a thousand words, there are certain benefits to providing written descriptions as well. There are some facets of information that you simply cannot portray in pictures, such as the history of an item, while details like the cost of postage (which you can calculate using online postage costing tools) cannot be incorporated into a photo of the item. Some mobile users may struggle to download images and videos, too, so the written description will take the place of photos.

Arrange Delivery

Once you have sold an item and received payment, you should prepare the item for delivery and ensure that you use a courier that can safely arrange for the delivery of your item or items. Part of the responsibility for the safe delivery of the item is yours, so ensure that you use good quality and effective packaging, but part of the responsibility should also be that of the courier, so ensure that they have suitable and adequate insurance to cover damage or loss.

The Art in Investment


Art is not only for art’s sake anymore. Art pieces as an investment have been around for ages but are no longer just an elitist subscription or a fanciful desire. There are a couple of things you need to look at before you buy a piece of art when you are considering it for the purpose of investment. As a beginner or having just been introduced to the “serious art” world, you might feel a little overwhelmed. But there’s no need for that. There are many simple ways to incorporate art as an investment. Moreover, they need not be just extravagant paintings from the 18th century times. They could be posters, wall hanging and more! Since we find art all over, in this post, we have detailed critical insights to help you make a decision and let you know where you start off. Happy art investing to you!

The best thing about investing in art is that it is a non-liquid form. We are looking at small pieces that you can sell in a couple of years or even in a few months at an increased charge. The first and most important factor that you need to consider is doing your homework. If you know you’re attending an art show, do some research on the artist. It helps always to see the art in the same reference from the artist’s perspective. Having such insight would enable you to know where to find your potential buyer (when you do, so that is).

Do remember that when you’re investing in art, there needs to be a certain degree of profitability. That is the primary distinguishing factor between being an art investor and an art collector. There is also what is called an art speculator. These are people who pick up pieces from an artist at the beginning of their career. The supposition is that the artist is going to go places and will be extremely recognized. More so, pieces initially bought will sell like hot cakes in 10 to 15 years into the artist’s career.

There is more to art investment than just a logical alternative to investing. It also has a heart. You can use instruments like the Mei Moses Fine Art Index to help evaluate what is the current trend in art. You can also use online journals and websites that compile information on the art world scene.

There’s divided opinion on whether to buy a painting, an installation or sculpture. While most art investors suggest that paintings are more likely to fetch you a great price over a sculpture, this need not be the case. It is up to you to decide, based on your research work is likely to add to your basket of investments.

When talking to people from art auction houses and dealers, keep in mind that they do tend to oversell at times. These people are great to gather a deeper understanding from, but it bodes you well to talk to many such people before taking your first big step. At times, dealers and auctioneers are going to overwhelm you by their suggestions. Take the time for yourself and be utterly confident about your purchase. Ask yourself how you feel about the painting, if the timing is good and if the price is right. These are variables that you need to be sure of before taking the plunge. After all, it is your resources and your effort. Make sure it counts for something worthwhile.

Once you have decided what pieces are worth it and are going ahead, ensure the papers of ownership are in order. You also need to add this piece to being part of your estate. Art pieces are insured; it’s important that you follow suit. Read up about how to protect your art piece well before hand. Also, ask about how it is going to be packaged and shipped/moved to your place.

From here, you need to do a good job of choosing the right place for its storage. If you plan to keep it out on display, the place should neither be too humid nor too sunny. Any harsh environment tends to age the coloring in a painting.

These are just a few suggestions when starting off. But buying art can be a daunting commitment. Our suggestion is that you start with a constrained budget and purchase a couple of theme-based posters or contemporary painting. You get an idea of how you might feel about making art an investment. Target.com have awesome pieces of art for even better pieces. You can use coupons for Target from ChameleonJohn.com to bring down prices and get free shipping too. Here is a chance for a great trial run before you take on the real deal.