Bellmore Group Management Services, Tokyo Japan

Were you a victim of the holiday spending spree this past season or a winner? Many of us lost; and the New Year gives us pause to evaluate our personal financial habits once more and, hopefully, initiate some positive and lasting changes for the future. Consider these valuable saving and spending hacks you can implement. Go long-term Think ahead into the future. Whatever your age is, save now for your retirement. The earlier you do, the better. Apply for an employer-sponsored plan, if possible. Or if you can, opt for IRAs which help you build wealth in bounds. Build categorized funds Think of this as a challenge: Do the 52-week savings procedure. Set aside $1 on the first week, then $2 the second week, until you finish the 52nd week, when you are supposed to add $52 to your pot. Hacking this process gives you $1,378 in savings in the next year, plus interests earned. As long as you set for yourself a specific goal , starting a savings account can bring gre...

If you are like me, you probably worry a lot about being caught in an investing trap. I am a recent player in the investment industry, with my only accomplishment being able to max out my IRA each year. I do not have a Plan B for my investing strategy ; so I have tried to educate myself about other ways of investing in order to invest more actively or, at least, fortify my ongoing investments this year. Many young professionals do not know for sure how to invest their money, except for their 401(k). If you are one of those clueless individuals, check out these novice tips to help you achieve your resolution to become a better investor this year. Investment expert Hans Scheil, the president of North Carolina-based Cardinal Retirement Planning, Inc. and author of The Complete Cardinal Guide to Planning for and Living in Retirement will help us understand these principles. By the way, he is a 40-year veteran in the financial services area, helping investors build a diversified ...

Part of the yearly ritual for the yuletide holidays among many people is that of evaluating their budget to avoid overspending during the last few months of the year. This is always a good practice; however, why do it only for the last part of the year? Extend the habit and deal with your 2017 budget. If you are up to it; then, get a calendar, open your spreadsheet, or any kind of system you want to use and let us work together on your budget. Consider these tips on how to go about it. • Prepare for Changes – As early as you can, anticipate changes, such as a college tuition fee or a new home mortgage. Include these expenses in your budgeting plan beforehand even you are not certain as to the final amount required. Taking a long time to find out the exact value for such expenses may disrupt your other important expenses. On the other hand, you could be expecting welcome changes which you must include in your planning, such as a expected salary increases, bonu...