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Imogene LewisBroderick
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Imogene LewisBroderick   My Press Releases

Create Tax-Free Living Benefits

Published on 7/16/2015
For additional information  Click Here

Understand How Money Works, Avoid the Pitfalls

And Create Tax-Free Living Benefits


According to recent surveys, North Americans are facing serious financial challenges.


The U.S. picture is gloomy


  • 33%, or more than 77 million, of Americans don’t pay their bills on time
  •  39% carry credit card debt from month to month
  • Only 59% of adults say they have savings
  • Worse, more than half now think it’s acceptable to default on their mortgage if they can’t afford to pay it.


How does it make sense that we live in one of the wealthiest countries in the world, but we always have money problems? We can work hard all our lives but retire poor. We do so much to raise our kids, just to see them finish college with a lot of debt. Debt has become a way of life. It is unsustainable.

Major Problems


§        We do not have much, and we do not know much. Nobody teaches us how to manage our money in school. Financial issues are not often discussed, and financial products not always properly explained.


§       We find that most people even have trouble balancing their own checkbook or have nothing to balance, in addition to not being able to read a financial statement.


§       Credit cards are used every day and consumers do not always understand all the hidden charges.


§       We often buy life insurance policies because we are told we need them, stick them in a file cabinet, not knowing what we have.


§       We contribute to 401K or 403b, if public servants, and hope someone will take care of it. Someone we have never met and will never meet or even seek to speak with.

§       We all would love to have a comfortable retirement, but few have a plan.


§       The traditional pillars of retirement are now in doubt.


Personal Savings


38 million Americans are currently living paycheck to paycheck. I don't even believe that statement stands anymore. 


It’s possible that we don’t know what we don’t know. Even though the financial industry is one of the largest industries in the world, and even though we are
flooded with financial news, channels, and websites, financial literacy is as murky as ever.


There is a jungle of complex rules and regulation for the thousands of stocks, bond, funds, savings plans, credit cards, and loans that are out there.



We need to change and the task won’t be easy, but we need to understand first. The old days of passive dependence have to end. A new era of pro-activism and financial freedom must begin.



There is and cannot be anyone more interested in your financial future than you are, definitely not the government or your employer. It’s your responsibility to
learn the simple rules of how money works.


Let’s hope and believe that by the time you are finish reading this Press Release, you will be closer to understanding some of what is necessary and have some
questions answered, and that you will have many more questions.




Where does your money go?


Take a look at the tax treatment on the various types of investment/savings accounts.


In the U.S


Where Do You Put Your Money?


Tax Now                                 







Tax Later                      






Tax Advantaged  


529 COLLEGE SAVINGS                                                                








                      THE WEALTH FORMULA


 + Time

+/- Rate of return

- Inflation

- Taxes


                                 = Wealth




Member Note: To comment on this PR, simply click reply on the owners main post below.
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