INDIVIDUAL RETIREMENT ACCOUNT - IRA
You can still contribute before April 15

Frugal Living Tips
-- SAVVY-DISCOUNTS.com Archive --
April 5, 2002 issue


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  S A V V Y - D I S C O U N T S . C O M
          N E W S L E T T E R
============================================
Published 1st & 3rd Friday Of Each Month
Vol. 8, April 5, 2002
============================================
IN THIS ISSUE:
1.)...It's not too late!
      There's still time for your IRA
      Retirement Blues
2.)...What are you afraid of?
      Make sure you're scared of real dangers
3.)...New: *MEMBERS ONLY* Area
      Almost a dozen free calculators
      10,000s of free e-cards, jokes, lyrics
4.)...National toll free poison help hotline
      Write this down and save it
5.)...Retirement quiz answers and tips
      You might be surprised
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Travel weather plus distance & world time calculators.
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<------------ Maximize your screen for best viewing ------------->

----------========| Retirement Blues  |========-----------

#1. RETIREMENT BLUES

You still have time to contribute to your Individual
Retirement Account (IRA) for 2001 before April 15. Everyone
who has earned income can have a IRA of some kind even if he
or she has other retirement plans. Over time these can
amount to a substantial nest egg.

See the following web page at the Smart Money Site for a
quick but clear explanation of the various flavors of IRA's:
http://www.smartmoney.com/retirement/roth/index.cfm?story=
whichira


Suggestion: If you get a tax refund every year, consider
putting that money into an IRA. If you don't see it, you may
never miss it. Even better, adjust your deductibles so that
you don't get a tax refund; instead set up an automatic
monthly investment into your IRA account that equals the
money you used to have deducted. Now your money is earning
interest all year long. Even a small contribution can add up
to large savings over the years.

_____RETIREMENT BLUES

Will you or your parents have enough for retirement when the
time comes? A new study quoted on NBC Nightly News finds
that a surprising 66% of retires will work part time after
retiring.

Saving for retirement is actually quite simple but because
it happens over such a long period of time and involves
stock market and interest fluctuations, it seems to be
complicated.

TAKE OUR QUIZ:
Which of the following will result in the most money saved
by retirement (assuming 65 to be the retirement age and a
easy to calculate 10% average yield for the stock market
over time).
Save  $50 a month starting at age 25?
Save $100 a month starting at age 35?
Save $200 a month starting at age 45?
Save $400 a month starting at age 55?
Answers are at the bottom of this newsletter.



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--------========| What Are You Afraid Of? |========---------

#2. DOG BITES ARE VERY DANGEROUS

Injuries are expensive and disruptive. It is important to
have a realistic understanding of dangers in the world and
spend money and resources to guard against them. For
example, many people are terrified of being eaten by sharks
and yet do not understand there are other much more deadly
dangers closer to home.

The recent trial in Los Angeles which involved the mauling
death of a woman by dogs highlights the real danger of dog
bites.

Last year there were roughly 5 million dog bites. About
800,000 of these required medical attention. In most cases
it was the dog owners, or their children or their friends
who were bitten. A shocking 60% of cases involved children
who suffered greater injuries and fatalities than older
people. (Source www.plasticsurgery.org)

As the statistics show, children, especially young children
should not be left alone with a dog. In addition they should
be taught how to relate to their pet and other people's dogs
to avoid bites.



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BEST HOTEL DEALS
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Now is a great time to get deep discounts.
Read about it online:
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---------========| New: *MEMBERS ONLY*  |========----------

#3. *MEMBERS ONLY* AREA OF OUR WEB SITE
http://www.SAVVY-DISCOUNTS.com/members
This is what you will find today at our new *Members Only*
section:

FREE E-CARDS, JOKES AND SONG LYRICS
  10,000s of free e-cards, jokes and lyrics - 50 links.
  Send a birthday card at the last minute and free over the
Internet. We have a huge selection of companies to chose
from. You can even customize your card by using a joke or a
song lyric as the message in your card.
  Look up 10,000s of jokes and song lyrics or get a full
dictionary definition of a word.

11 FREE CALCULATORS AND OTHER STUFF:
==FINANCE:
--Plan your retirement: How much should you save?
     Two calculators - monthly savings and principal growth.
--Figure a loan: what will it cost you per month?
--Figure your gain or loss on a stock sale including
commissions and a fraction convertor.
==CAR AND HOME:
--Calculate your best body weight with the Body Mass Index.
Based on the work developed by the Panel on Energy, Obesity,
and Body Weight Standards published by American Journal of
Clinical Nutrition.
--How much paint will you need to buy to
    paint one or more rooms?
--How much does your car cost you in a month
    or a year for gas?
==PLUS SOME FUN STUFF:
--A great fast Tic-Tac-Toe Game.
--An online fortune cookie; click to get a fortune
    and lucky numbers online.
--Murphy's law for those times when you just can't win.
==DICTIONARY AND THESAURUS:
--A really great complete dictionary
    and thesaurus but you must be online.



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FREE! INTERNET TELEPHONE ANSWERING MACHINE
Don't get a second phone line. This top rated
free software will answer when you are
online and give you the message.
http://www.SAVVY-DISCOUNTS.com/services.htm
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---------========| Poison Help Hotline  |========----------

#4. NATIONAL PHONE NUMBER TO REACH POISON CONTROL CENTERS

THE BAD NEWS: You may have a lot of poisons in your home
and not even know it: cleaners, paints, solvents,
insecticides, fuels, soaps and the list goes on and on.

THE GOOD NEWS: If you know what to do, you can handle
most (about 75%) poison emergencies with help over the
phone.

This one national number will connect you to the nearest
poison control center; there are about 65 in the country.
If you have a local number, that will continue to work.

NATIONAL POISON CONTROL NUMBER:
1-800-222-1222



~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
THE DOCTORS BOOKS OF HOME REMEDIES
are excellent reference books
for inexpensive simple, effective,
treatments at home for many ailments
including tips for colds, flu, depression,
and even cats and dogs.
Read our full description online:
http://www.SAVVY-DISCOUNTS.com/books.htm
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-------------========| Quiz Answers |========--------------

#5. RETIREMENT QUIZ ANSWERS AND TIPS

QUIZ ANSWERS:
(Assumes savings end at age 65 and
10% interest for the stock market over time)
Save  $50 a month starting at age 25 = $279,730
Save $100 a month starting at age 35 = $207,929
Save $200 a month starting at age 45 = $144,797
Save $400 a month starting at age 55 =  $80,583

QUOTE: "Compound interest is the eighth wonder of the
world." The quote has been credited to Benjamin Franklin but
also perhaps Albert Einstein, John Maynard Keynes and Baron
de Rothschild.

BOTTOM LINE:
---Start saving early. A small amount saved regularly early
in life will yield much more than a large amount saved
regularly later (it's that compound interest!).
---Get into the habit of saving a small amount which is much
easier than trying to suddenly save a lot later.
---Have savings automatically deducted so you never notice.
---Invest in a balance of stocks and bonds. A stock broker I
trust and have known for years said the best long term mix
is 30% bonds and 70% stock.
---As you near retirement age, shift your portfolio mix to
less volatile investments but don't be ultra conservative;
it should still be a mix of stocks, bonds, and cash.

Check out our retirement calculators and make your own
retirement plans at the *MEMBERS ONLY* section
of our web site:
http://www.SAVVY-DISCOUNTS.com/members



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VISIT *YOUR MEMBERS* ONLY SECTION
Totally free to all subscribers.
Mammoth listing of free e-cards, song lyrics,
jokes plus a dictionary and thesaurus.
Plus 11 free calculators and fun stuff.
Find your ideal weight, plan for retirement,
calculate how much paint you need for home
improvements and a whole lot more.
http://www.SAVVY-DISCOUNTS.com/members
~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*



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