Sutera Harbour Marina -Tuesday Nights Fun Sailing

Visiting yacht crews and member of Sutera Harbour Marina and Golf club can enjoy fun racing on two Tuesdays a month. Initially the idea was based on yacht racing, however due to handicapping difficulties and the fact that many yachts would need to spend time re stowing equipment for a short race the racing take place in dinghies.

I happened to be around last Tuesday  and joined up with a dozen yachtsmen and yachtswomen to race in Optimist dinghies. There was a nice breeze and a few waves to make it interesting. At least 4 people had never sailed in an Optimist before and tow of these got into trouble before the start and had to be rescued.  A little embarrassing for blue water sailors , but yachts have automatic bilge pumps to keep the water at bay.

The wind and sea conditions contrived to thwart the race when the wing mark drifted away and the first three boat around the windward mark headed directly to the leeward mark, which was the only one in site at the time. The fourth boat saw the rescue boat towing the errant buoy and headed in the right direction taking the lead, leaving the former leaders to chase.

The wind gradually lightened so despite a valiant chase it was of no avail with a 4th place the highest they could climb.

Once the dinghies were stowed everyone gathered together for dinner in the Marina Bar, where prizes were awarded for the top three.

All in all a great evening, just have to do it again in a couple of weeks.

David Ogden

http://yachtwatchservice.com/

0198428702

Technorati Tags: sutera harbour marina,optimist racing,yacht watch service

How To Retire In Ten Years

Retire in ten years, is an option when you run an online business. but there is a secret.

You must understand that building a business takes time and effort and there is no quick fix, there will be set backs, but if you are consist ant in what you do you will success. Many people lose their dream within six months, I know for a fact that it takes around 3 years before your monthly income becomes an appreciable amount, and sometimes you may be tempted to stop. This is the time when you need to redouble your effort.

Let’s face it, if you put off talking to everyone you know because you might be afraid of what they might think of you and your business, then you can never expect to achieve the level of success that others have when they have talked to everyone they know. The contact list is the life blood of any Network business, and to be hesitant to work through the list is a good way to lose any momentum and a reason to just quit like so many have in the past.

How do you get past this problem, start your home business, and retire in ten years?

With the Internet, e-mail, and software available, today is a new day in network marketing. No more bothering friends and family and trying to convince people against their will to join your business. You now have the ability to post your business out there in cyber space and find that there are people who actually want to join your business. This may be just the answer for you to revive your business and get you over the hurdle that’s been keeping you from earning the income available in your home based business. But how do you get started?

The key to success that will allow you to retire in ten years, is getting customers for your business and to be honest its a problem for many home business owners, who spend many hours cultivating business leads and often give up. There is however an answer and that is to buy customers, that way you can save all the cost time and hassle in marketing your product and build a good customer base.

Now not many people know this secret that will allow you to retire in ten years, but there is a direct selling company in the USA that will sell their customers to you, and what is more on top of earning ongoing commissions they will continue to market to your customers.

Does this sound to good to be true?, well it gets better you can join in with a group of fellow entrepreneurs who will work with you to grow your business.

David Ogden - Tomorrows Home Business - Retire in Ten Years
Contact Us
TriVita Business Affiliate 13142173
phone 1-386-308-1956
Skype seadogs11
Earn money with AlertPay
Click Here to Learn how to market online

Technorati Tags: Retire in ten years,home based business,tomorrows home business,buy customers

Is Your 401(k) plan In Trouble ?

AARP - Finance

(Money Magazine) -- Alicia Munnell is a Harvard-trained economist. She served as an assistant secretary of the Treasury and is regarded as one of America's foremost experts on 401(k)s. You'd think she'd be terrific at managing her own retirement, but even she has to confess up to some mistakes. "When my son got married, I took some money out of my plan to help," says Munnell, who heads Boston College's Enter for Retirement Research (CRR). "And I ended up paying a 10% penalty and taxes."

In the jargon of the retirement business, that's called leakage. It's a common problem: About 60% of job switchers with a 401(k) plan cash it out.

That's just one of the many pitfalls. Lots of people start saving too late, save too little or make missteps with their portfolio. And all of us are vulnerable to risks that we can't control. Your employer might not offer a plan or might choose one with second-rate investments. Or you may hit a market storm at precisely the wrong moment: the year you stop working.

That last problem is especially obvious now. Over the past 12 months, a 64-year-old investor and AARP member in an age-tailored "target date" mutual fund has lost 26%. Savers with high balances can recover from that. But many lost more, and the typical near-retiree with a 401(k) has less than $50,000 stashed away in it. That will spend down quickly, and once the money's gone, it doesn't matter if the market roars back.

A recent CRR study shows that a bear market retiree could easily end up with just half the income from a 401(k) as someone retiring during a bull market. "Any system that delivers such wild swings in retirement income is just not working," says Munnell.

She isn't the only one who's worried. A growing number of policy experts who study 401(k)s think they fall short..... Some 78 million baby boomers are hurtling toward retirement many of them members of AARP. Their poverty, if it comes to that, will be a burden to their children and lead to calls for taxpayers to support them.

These are worrying times and many people including AARP members are looking for other methods to boost retirement income. Economist Dr Raymond Jewell is presenting a retirement plan tonight at http://tomorrowshomebusiness.org at 6PM PAC he will demonstrate a plan he has developed and is using provide income in 10,20-30 years. Join him live login with your real name and password success.

David Ogden - Tomorrows Home Business - Retire in Ten Years
Contact Us
TriVita Business Affiliate 13142173
phone 1-386-308-1956
Skype seadogs11
Tomorrows home business Group
Earn money with AlertPay
Work From Home USA

Technorati Tags: 401(k),Retirement

Retire In Ten Years

Retire in ten years, is an option when you run an online business. but there is a secret.

Let’s face it, if you put off talking to everyone you know because you might be afraid of what they might think of you and your business, then you can never expect to achieve the level of success that others have when they have talked to everyone they know. The contact list is the life blood of any MLM business, and to be hesitant to work through the list is a good way to lose any momentum and a reason to just quit like so many have in the past.

How do you get past this problem, start your home business, and retire in ten years?

With the Internet, e-mail, and software available, today is a new day in network marketing. No more bothering friends and family and trying to convince people against their will to join your business. You now have the ability to post your business out there in cyber space and find that there are people who actually want to join your business. This may be just the answer for you to revive your business and get you over the hurdle that’s been keeping you from earning the income available in your home based business. But how do you get started?

The key to success that will allow you to retire in ten years, is getting customers for your business and to be honest its a problem for many home business owners, who spend many hours cultivating business leads and often give up. There is however an answer and that is to buy customers, that way you can save all the cost time and hassle in marketing your product and build a good customer base.

Now not many people know this secret that will allow you to retire in ten years, but there is a direct selling company in the USA that will sell their customers to you, and what is more on top of earning ongoing commissions they will continue to market to your customers.

Does this sound to good to be true?, well it gets better you can join in with a group of fellow entrepreneurs who will work with you to grow your business.

David Ogden - Tomorrows Home Business - Retire in Ten Years
Contact Us
TriVita Business Affiliate 13142173
phone 1-386-308-1956
Skype seadogs11
Earn money with AlertPay
Working from home marketing

Technorati Tags: Retire in Ten Years,buy customers,working from home,work at home,home based business

AARP

AARP - Finance

Last months unemployment figures were the highest for 34 years with a further 598,000 jobs lost and the trend is expected to continue with some experts expecting it to reach 9% by the end of the year. Long term unemployment is also growing with 2.6 million people being out of work for over six months.

AARP members looking for part time jobs to bolster their retirement incomes are facing stiffer competition. Richard Johnson, an economist at the Urban Institute. “This recession is bad for older people because they can no longer simply afford to retire when they lose their jobs like they did in the past. Now we have so many older people invested in the stock market through retirement plans, it’s really impossible for them to retire.”

AARP members looking for alternatives have begun to consider setting themselves up in business for themselves, where they can take advantage of tax breaks and earn extra money to meet retirement costs with the help of such groups as Tomorrows Home Business.

David Ogden - Tomorrows Home Business - Retire in Ten Years
Contact Us
TriVita Business Affiliate 13142173
phone 1-386-308-1956
Skype seadogs11
Tomorrows home business Group
Working From Home - Resources
Earn money with AlertPay
The Truth About Web Prosperity

Technorati Tags: AARP,tomororws home business,david ogden,working from home

AARP Finance

AARP - Finance

The UK has reduced its Interest rate to 1.0% as expected but this is a twin bladed sword because saving rates have also reduced which effect many retired people.

There is also a glimmer of hope in the UK housing market based on a recent survey, it seems that houses prices have reached a level where first time buyers are prepared to enter the market, provided they can obtain loans to borrow between 3-4 times their income. At the moment it looks like the housing market will improve ahead of the USA, where investors are still looking for the market to fall by a further 20% or more mortgage rates are rising

Last week, when the average 30-year fixed mortgage rate was 5.48%, a $200,000 loan would have carried a monthly payment of $1,133.07, according to Bankrate.com. With the average rate now 5.70%, the monthly payment for the same size loan would be $1,160.80, a difference of nearly $28 per month.

In the USA the senates debate on the economic stimulus plan is due to conclude on Friday morning and it is expected that the funding requirement will be reduced to help the budget deficit.

David Ogden - Tomorrows Home Business - Retire in Ten Years
Contact Us
TriVita Business Affiliate 13142173
phone 1-386-308-1956
Skype seadogs11
Tomorrows home business Group
Earn money with AlertPay
The Truth About Web Prosperity

Technorati Tags: AARP,Retire in ten years

Retire In Ten Years

AARP Plan To Retire in Ten Years

The word retirement is not something of much concern when people are young. It is 20 or even 30 years away and a lot can happen during that time. The thought of retiring and what to do when the time comes, is a dream and with proper planning that can become a reality.

All the financial upheaval at the moment is taking us back to the time when retirement did not exist, people worked until they died. Relying on state benefits and retirement plans can be seen not to be wise, ask anyone who has a 401(k) plan about their retirement plans now and their dream has been taken away.

If you are serious about retiring you need to start planning early to create wealth. Little things such as buying groceries from the supermarket instead of the local convenience store since items are much cheaper there. A person can also buy generic stuff instead of designer products that are of equal quality. The money saved is a start and in time, can go a long way due to compounding.

The best way to plan to retire in ten years, is to have full control of your wealth creation process and one way to do this is to run your own business and take full control of the situation. There are markets and opportunities out there which will allow you to retire in ten years, and they do not rely on stock or shares or insurance policies to fund your retirement.

The ideal plan to retire in ten years is to reinvest all income back into your business for a period of ten years and over that period of time the compound affect can then provide you with an ongoing monthly income from your business.

You need to be strong willed to reach you goal to retire in ten years, most people fail because they would rather spend the profit rather than feed it back into their business.

The question is do you have the belief that you can retire in ten years, if so please feel free to contact me.

David Ogden - Tomorrows Home Business - Retire in Ten Years
Contact Us
TriVita Business Affiliate 13142173
phone 1-386-308-1956
Skype seadogs11
Tomorrows home business Group
Earn money with AlertPay
The Truth About Web Prosperity

Technorati Tags: Retirement,retire in ten years,401(k) tomorrows home business,david ogden

AARP

AARP Finance

What are the advantages of AARP Members delaying retirement. How working a few extra years can greatly effect you life in retirement

• Avoids reductions in social security benefits
• you can keep you 401(k) or other retirement plan growing, giving them time to regain recent losses.
• It shortens your time in retirement.

At the moment the average ARRP member retires at 63 and with experts suggesting working four extra years will give time for retirement funds to recover somewhat that would mean retiring at 67.

This might not be an option for everyone as ill health can cause problems when you are older and at the moment many people are facing the possibility of losing their job.

On the other hand a member of AARP has developed many skill and knows how to do the job, so that when time are hard this is the type of person a company will retain.

The key is to retain your job as once you are unemployed it will be very difficult to find another job that pays the same.

If you are an AARP member and forced to retire early you need to seek out other ways of bringing in more money, and one of these is to start a home business.

David Ogden - Tomorrows Home Business - Retire in Ten Years
Contact Us
TriVita Business Affiliate 13142173
phone 1-386-308-1956
Skype seadogs11
Tomorrows home business Group
Earn money with AlertPay
The Truth About Web Prosperity

Technorati Tags: retirement,401(k),david ogden