Midlife Crisis - When- How - What - And Why Middle Age Crisis By Jeanty Anthony

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Knowledge Financial Group - Knowledgefinancial.com  Is An Absolute trusted source for knowledge -

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Midlife Crisis - Middle Age Crisis:
What is a Midlife Crisis?

This BLOG is dedicated to all of us who are convinced that middle age is neither the beginning nor the end of life, but exactly what it is, the middle of life.

We understand that a midlife crisis is really a midlife opportunity. But for most of us, middle age is poorly defined, poorly understood, and feared. When we decide we're middle-aged, it's with resignation, not pleasure.

 

That's not simply a misunderstanding, it's wrong and potentially damaging to you now and in your future. There's one nice thing about middle age, you don't have to be like everyone else. You're old enough to know that and young enough to act on it.

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Midlife Crisis

A critical phase in human development during the forties to early sixties, based on the character of change points, or periods of transition.

The period is said to vary among individuals and between men and women. Despite popular perception of this phenomenon, empirical research has failed to show that the midlife crisis is a universal experience, or even a real condition at all.

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MIDDLE AGE CRISIS

Midlife is also significant as a time adults come to realize their own mortality.

A mid-life crisis is experienced by some people as they realize they have reached a midpoint in their lifespan and experience conflicts or dissatisfaction within themselves because of unrealized goals, self-perceptions or physical changes as a result of aging or health issues.

 

Sometimes, a crisis can be triggered by transitions such as andropause or menopause, divorce, the death of parents or other causes of grief, unemployment or underemployment, realizing that a job or career is hated but not knowing how else to earn an equivalent living, or children leaving home.

Additionally, when experiencing a mid-life crisis, people may reassess their achievements in terms of their dreams.

The result may be a desire to make significant changes in areas such as career, work-life balance, marriage, romantic relationships, finances, or physical appearance.

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For some, a midlife crisis is more complicated. It can be an uncomfortable time emotionally which can lead to depression and the need serious help..

MIDLIFE CRISIS

• Unhappiness with life and the lifestyle that may have provided them with happiness for many years.
• Boredom with people and things that may have been of interest to them before.
• Feeling a need for adventure and change.
• Questioning the choices, they have made in their lives and the validity of decisions they made years before.
• Confusion about who they are and where they are going.
• Anger at their spouse and blame for feeling tied down.
• Unable to make decisions about where they want to go with their life.
• Doubt that they ever loved their spouse and resentment over the marriage.
• A desire for a new and passionate, intimate relationship.
  Most people who have a difficult time during midlife and go into crisis mode do so because of external factors.
• They may be experiencing stress in their life that makes the transition more difficult or they may have childhood issue that were never dealt with that come to the surface during this time.
•  Some external factors that may cause this time in life to be problematic are:
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If a person has a tendency to avoid conflict in their personal relationships, suffers from feelings of inadequacy, are emotionally distant and has low self – esteem they will find midlife transition harder to navigate. This personality type has a deep fear of feeling shame and rejection.
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Midlife Crisis

Most of us will meet a transition of some sort in life, and usually it occurs when we least expect it. Next time when you come across your "mini crises" take a step back and break it down.

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Your life is yours and how you live it is only up to you. You can choose to live contently or you can live a life that you wake up loving. Which would you prefer?

You deserve better, it's never too late to do what you love and get paid for it!

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If you've lost your normal mode, it means you've lost your fight. You're worn out, beaten down and just plain tuckered out. The way to get back to fighting' form, is to begin to see yourself as empowered and capable..

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Missteps, stumbles and tumbles on our journeys do not have to be the final word for any of us. The challenges and struggles we have not quite conquered yet do not define us; we hold the power to define ourselves.

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Dealing with Mid-Life Crisis

Everything seems to happen at mid-life: The empty nest, menopause, affairs, and growing unhappiness with a job. It's no wonder you bought that red convertible. Interestingly, mid-life is more of an issue in some cultures than others. Western societies hold on to youth more tightly than others.

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Reinvent Yourself: It's impossible to predict peak experiences..

Reinvent Yourself

Focus on your future self, you'll be surprised at what you can achieve at midlife. Don't let the mid-crisis disrupt you. Opportunity still exist.

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Mid-life doesn't have to be a crisis. In fact, getting older often means getting wiser.

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How to Spend the Time You Have Left

Today is the first day of the rest of your life! Are you living life to the full? Are you spending your time wisely?

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Keeping busy at all costs is the cultural status quo, but the drive to do more is impacting our families, our work, and our health. The result of being Addicted to Busy is not only a lack of time, but also exhaustion, anxiety, guilt, fear, social comparison, inauthenticity and physical illness.

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With simple steps we can become emotionally resilient, gracefully and calmly handling every situation that comes our way.

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The 10 Commandments of Wealth and Happiness At Knowledge Financial Group

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The Ten Commandments Of Wealth Building

 

Discover the Ten Key Principles to Build True Wealth (Surprise! It’s about a lot more than just making money)

True wealth is about a lot more than just growing your net worth.

Yes, it’s true that financial independence is all about money, but living a wealthy life isn’t. This distinction is critical.

Wealth Building Principle At Knowledgefinancial.com:

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The 10 Commandments of Wealth and Happiness At Knowledge Financial Group

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1. Thou shalt live like you’re going to die tomorrow, but invest like you’re going to live forever.

 

The ease of making money in stocks, real estate, or other risk-based assets is inversely proportional to your time horizon. In other words, making money over long periods of time is easy – making money overnight is the flip of a coin.

Money is like a tree: Plant it properly, care for it occasionally – but not obsessively – then wait.

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2. Thou shalt listen to thine own voice above all others.

My job as a consumer reporter has included listening to countless sad stories about nice people being separated from their money by people who weren’t so nice. While these stories run the gamut from real estate deals to working at home, they all start the same way: with a promise of something that seems too good to be true.

And they all end the same way: It was to good to be true. Just last week, I helped someone who was about to lose money by applying for a government grant.

If someone promises they can make you 3,000 percent in the stock market, they’re either a fool for sharing that information or a liar. Why would you send money to either one? When you hear someone promising a simple solution to a complex problem, stop listening to them and start listening to your own inner voice. You know there’s no pill that’s going to make you skinny. You know the government’s not handing out free money for your small business. You know you can’t buy a house for $300. Stop listening to commercials and start listening to yourself.

3. Thou shalt covet bad economic times.

Wealth is realized when the economy is booming, but that’s not when it’s created. Wealth is created when times are bad, unemployment is high, problems are massive, everybody’s freaking out, and there’s nothing but economic misery on the horizon.

Would you rather buy a house for $400,000, or $200,000? Would you rather invest in stocks when the Dow is at 12,000 or 7,000?

Obviously, nobody wants one in 10 Americans to be out of work. But the cyclical nature of our economy all but assures that this will happen periodically. If you’re one of the 90 percent who still has a job, this is the time you’ve been saving for. Stop listening to all the Chicken Littles in the media: The sky isn’t falling. Get busy – put your cash to work and create some wealth.

4. Thou shalt not work.

MSN Money’s Liz Pulliam Weston wrote a great story called Pretend You Won the Lottery. She asked her Facebook fans to describe what they would do if they won the lottery. From that article:

Most of the responses had a lot in common. People overwhelmingly wanted to:

• Pay off all their debts.
• Help their families.
• Donate more to charity.
• Pursue their passions, including travel.

Note that these goals are largely achievable without winning the lottery. And that was her point: Listing what you’d like to do if money were no object puts you in touch with the way you’d really like to spend your life.

My philosophy takes this concept a step further: When it comes to work, you should try to do something that you regard as so fulfilling that you’d do it even if it didn’t pay anything. In other words, the word “work” implies doing something you have to do, not something you want to do. You should never “work.”

I’ve chosen to spend nearly all of my adult life in warm climates – I lived in Arizona for 10 years and have now lived in Fort Lauderdale for nearly that long. Why? Here’s what I’ve always said: “You already spend a third of your life sleeping. Why spend another third of it freezing your tail off?”

No offense to you Northerners. I realize some people enjoy the cold. The point is that if you’re going to spend a huge part of your life working, don’t fill that time with what makes you the most money. Fill it with what makes you the most fulfilled. I made more money in 1990 managing a branch office for a Wall Street investment firm than I will this year. But I feel a lot less slimy (no offense to stockbrokers) and lot more fulfilled. You can’t put a price tag on that.

5. Thou shalt not create debt.

I’m always getting questions about debt. “Should I borrow for this, that, or the other?” “What’s an acceptable debt level?” “Is there such a thing as good debt?”

There’s way too much analysis and mystery around something that isn’t at all mysterious. Paying interest is nothing more than giving someone else your money in exchange for using theirs. Rule of thumb: To have as much money as possible, avoid giving yours to other people.

Don’t ever borrow money because you want something you can’t afford. Borrow money in only two circumstances: when your back is against the wall, or when what you’re buying will increase in value by more than what you’re paying in interest.

Debt also affects you on a level that can’t be defined in dollars. When you owe money, in a very real way you’re a slave to that lender until you pay it back. When you don’t, you’re much more the master of your own destiny.

There are two ways to achieve financial freedom: Have so much money that you can’t possibly spend it all (something exceedingly difficult to do) or don’t owe anybody anything. Granted, since you still have to eat and put a roof over your head, living debt-free doesn’t offer the same level of freedom as having massive money. But living debt-free isn’t a matter of luck or even hard work. It’s a simple choice, available to everyone.

6. Thou shalt be frugal – but not miserly.

The key to accumulating more savings isn’t to spend less – it’s to spend less without sacrificing your quality of life. If going out to dinner with your significant other is something you enjoy, not doing it may create a happier bank balance, but an unhappier you – a trade-off that is neither worthwhile nor sustainable. Eating an appetizer at home, then splitting an entree at the restaurant, however, maintains your quality of life and fattens your bank account.

Finding ways to save is important, but avoiding deprivation is just as important.

Diets suck. Whether they’re food-related or money-related, if they leave you feeling deprived and unhappy, they’re not going to work. But there’s a difference between food diets and dollar diets: It’s hard to lose weight without depriving yourself of the foods you love, but it’s easy to reduce spending without depriving yourself of the things you love.

Cottage cheese isn’t a suitable substitute for steak, but a used car is a perfectly acceptable substitute for a new one. And the list goes on: watching TV online rather than paying for cable, buying generics when they’re just as good as name brands, using house-swapping to get free lodging, downloading books from the library instead of Amazon… No matter what you love, from physical possessions to travel, there are ways to save without reducing your quality of life.

7. Thou shalt not regard possessions in terms of money, but time.

You go to the mall and spend $150 on clothes. But what you spent isn’t just $150. If you earn $150 a day, you just spent a day of your life.

Almost every resource you have, from physical possessions to money, is renewable. The amount of time you have on this planet, however, is finite. Once used, it can never be replaced. So when you spend money – especially if you earned that money by doing something you had to do instead of what you wanted to do – you’re spending your life.

This doesn’t mean you should never spend money. If those clothes are all that important to you, by all means, buy them. But if it’s really not going to make you that much happier, don’t. Think of it this way: If you can live on $150 a day, every time you forgo spending $150, you just get one day closer to financial independence.

8. Thou shalt consider opportunity cost.

This is related to the commandment above. Opportunity cost is an accounting term that describes the cost of missing out on alternative uses for money.

For example, when I said above that not spending $150 on clothes puts you $150 closer to independence, that was a gross understatement. Because when you save $150, investing those savings gives you the opportunity to have more savings. If you’re earning 10 percent, $150 invested for 20 years will ultimately make you $1,000 richer. If you can live on $150 a day, ignoring inflation, you can now retire nearly a week sooner, not just a day.

One of the exercises in my book, Life or Debt, is to go around your house and identify things you bought but probably didn’t want or need. A quick way to do this is to find things you haven’t touched in months. These were probably impulse buys. Add up the cost of these things, multiply them by 7, and you’ll arrive at the amount of money you could have had if you’d invested that money at 10 percent for 20 years rather than wasting it.

And when you do this, consider the stuff in your closet, the stuff in your garage, the rooms of your house that you heat and cool but don’t use, the new cars you’ve bought when used would have worked. The truth is that most of us have already blown the opportunity to achieve financial independence much sooner. Maybe now’s the time to stop.

9. Thou shalt not put off till tomorrow what thou can save today.

Shortly after I began my television career in 1988, I went on set with a pack of smokes, a can of soda, and a candy bar. I explained that these things represented the kind of money most of us throw away every day without thinking about it – at the time, about $5. But compound $5 daily at 10 percent for 30 years, and you’ll end up with about $340,000. That’s why learning to save a few bucks here and there and investing it is so important.

Fortunes are rarely made by investing big bucks, nor are they often made late in life. Wealth most often comes from starting small and early.

In short, there are limited ways to get rich. You can inherit, marry well, build a valuable business, successfully capitalize on exceptional talent, get exceedingly lucky – or spend less than you make and consistently invest your savings over time. Even if you’re on the road to any of the former, why not do the latter?

10. Thou shalt not covet thy neighbor’s stuff.

If this commandment sounds familiar, that’s because it resembles the Biblical 10th commandment:

Thou shalt not covet thy neighbor’s house, thou shalt not covet thy neighbor’s wife, nor his manservant, nor his maidservant, nor his ox, nor his ass, nor any thing that is thy neighbor’s. (Exodus 20:17)

Envy may not be the root of all evil, but it is the root of much wasted money. As I’m fond of saying, you can either look rich or be rich, but you probably won’t live long enough to accomplish both. I’ve lived both ways, and trust me: Being rich is way better than using debt to look rich.

We’ll all admit when on the verge of making a purchase decision, we’re often thinking of what our friends will say when they see it. Normal human behavior? Sure, but it’s not in your best interest, or theirs. Making your friends feel jealous isn’t nice, and feeling envy for other people’s possessions is silly. Possessions have never made anyone happy, nor will they.

Decide what really makes you happy, then spend – or not – accordingly. When your friends make an impressive addition to their collection of material possessions, be happy for them.

One of the stupidest expressions ever coined was: “The one who dies with the most toys wins.” When you’re on your death bed, you won’t be thinking about the things you had – you’ll be thinking about the times you had.

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Investing Alternatives With Financial Knowledge / Index Funds - Mutual Funds - Exchage Traded Funds - Jeanty

KNOWLEDGE FINANCIAL GROUP - KNOWLEDGEFINANCIAL.COM   AN ABSOLUTE GUIDE TO INVESTMENT SUCCESS - A SUPPORT LIBRARY FOR ENTREPRENEURS, INVESTORS, AND TRADERS...

Index Funds Could Help Lower Long-Term Costs

Get the high quality and low costs you'd expect from the company that introduced indexing to individual investors.

What Are Index Mutual Funds?

Instead of hiring fund managers to actively select which stocks or bonds the fund will hold, an index fund buys all (or a representative sample) of the securities in a specific index, like the S&P 500 Index.

The goal of an index fund is to track the performance of a specific market benchmark as closely as possible. That's why you may hear it referred to as a "passively managed" fund.

Index funds offer built-in benefits

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Low costs

Because index funds hold investments until the index itself changes, they generally have lower management and transaction costs.

Index funds helps lower risk through broader diversification

Some index funds give you exposure to potentially thousands of securities in a single fund.

 

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Tax efficiency

Broad index funds generally don't trade as much as actively managed funds might, so they're typically generating less taxable income, which reduces the drag on your investments.

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Invest in index funds; Saving for something other than retirement?

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Invest in index funds; You can open an IRA  It's also a great way to complement a 401(k) or 403(b) plan you're investing in at work.

Choose between a Roth IRA and a traditional IRA based on your income**, age, and preference for how you want to pay taxes.

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Retirement Savings Made Easy

Saving for retirement might be the most important thing you ever do with your money. And the earlier you begin, the less money it will take!

Don't know where to start? You've come to the right place at Knowledge Financial Group - knowledgefinancial.com

You probably have a lot of questions about saving for retirement. How much will I need? What year will I retire?

What are the best ways to save for retirement?

The good news is that you don't need to figure everything out right now.

The most important thing to do is to get started. Here are 3 simple steps you should take today by facebook.com/knowledgefinancialgroup  and  knowledgefinancialgroup.blogspot.com

1. Find the right kind of account for your savings.
2. Choose the investments for your account.
3. Open your account online.

Here at Knowledge Financial Group; We're standing by to answer your questions and help you make a plan to save for retirement.

 

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Invest in index funds;Set aside money for a child 529 college savings plans let you reduce your taxes when you're saving for a child's education.

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Invest in index funds;  Open a trust account to hold investments that are tied to an existing personal trust.

Name an attorney-in-fact as power of attorney, a trustee, a successor trustee—to act on your account on your behalf if you become incapacitate, or die.

LEARN MORE ABOUT INDEX FUNDS....

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Invest in index; With index funds you can set up an account for an organization—

including corporations, partnerships, limited liability corporations, and sole proprietorships; endowments and foundations; estates; professional associations; or unincorporated enterprises.

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An investment in a money market fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency.

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Here At Knowledge Financial Group,
We put our investors' interests first at all times

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Mutual funds can help Somehow..

Take some of the anxiety out of investing by letting a mutual fund do a little of the work for you.

Give your money a chance to grow

Investing in mutual funds offers benefits you won't get from trading individual stocks and bonds on your own.

WHAT IS MUTUAL FUND?

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Less risk through more diversification

One mutual fund can invest in hundreds—sometimes thousands—of individual securities at once. So if any one security does poorly, the others are there to help offset that risk.

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Professional management

You don't have to keep track of every security your mutual fund owns. The fund is managed by experts who take care of that for you.

 Convenience

You can buy and sell mutual fund shares online or by phone and set up automatic investments and withdrawals.

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Investing goals

No matter where you are in life, you've got financial goals you want to achieve. We can help you make a plan to reach them.

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Life events

Prepare Today So You'll Not Have To Worry Tomorrow..

Life takes planned and unexpected turns. Find out how to set your financial course—and stay on it. Save And Invest Money Today, Certainly Money Can And Will Save You Tomorrow.

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Investor's education

"An investment in knowledge pays the best interest." The knowledge and personal financial advice available here at Knowledge Financial Group - Knowledgefinancial.com = could pave your way to investing success.

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All investing is subject to risk, including the possible loss of the money you invest. Diversification does not ensure a profit or protect against a loss.

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''FOREX MARKET: FOREIGN CURRENCY EXCHANGE''

 

==If your into trading, investing, or simply looking for another way to earn some cash you could consider a different route.

 

One that takes skill, but can get you bigger winnings in terms of your investment against smaller risks.

 

This market is Foreign Exchange. Foreign exchange is the trading/buying/selling of currencies in order to earn a profit.

The currencies such as the Yen, Ruble, Frank, Dollar, Euro can all be sold and / or traded against each other in pairs to make a profit.

 

Foreign Exchange is tricky, and takes time but there are also some major advantages for trading in foreign exchange over the stock market and others.

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“Forex” or “FX” is short for Foreign Exchange. Of the most notable, and best FX 

A few of these advantages are as follows: There’s no middle man. No waiting time.

 

Transactions are almost instant with no need to go through a broker of sorts.

 

 Foreign Exchange Market is open all day and all night. It is a 24 hour market so you can do business when you like as opposed to having to wait until the bell.

 

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