Change or Get Out!!!

It's all about productivity. There are companies out there that will keep you only if you produce. That is just fine if the companies spend the money on you to help you produce. What is going on? Look, if you get fired from a job because you are not having a good year won't that hurt your next search for a new job. It is just shocking that so many people lose their jobs because the company they work for changes it's tune about how they do business and the employees have to fall in line or get out. It's just wrong. If the company wants to change then the company has to help the employees change. Not give the employees ultimatums. It is a shame but you have to have two or three jobs waiting in the wings just in case your employer finds a new way to make money that may include you getting fired for not producing when the environment prohibits you from doing just that. Eh. I know, that's life. Well who said it has to be like this. I say that every profession needs a union. At least you have some place to complain.

ROTH IRA A Tax Free Arrangement.

A Roth IRA is an individual retirement plan that can provide you with tax free income.  You can put up to $6,000 in these accounts and invest the money in most anything you want.  There are no age limits but there are income limits to be elligible to contribute.  Also you never have to take your money out of this kind of IRA.  you can leve your mney in these for as long as you live.  If you do not have a retirement plan at work try one of these at the bank or your advisor can hook you up.  You will eventually stop working so you are going to need to save.  What beeter place than a ROTH IRA.  Just leave your money in the ROTH for 5 years and keep using it until age 59 1/2 and it is tax freee income from the tax deffered growth you gained in the account over the years.  Tax Free!! I like it.  Any questions?

Market Close!! Auto sales pretty low, mortgages are down. Still we were up today.

Talk to Your Mortgage Company

I talked to a friend today.  He explained that he was able to negotiate his mortgage lower and was able to get his credit back on the road to recovery.  Just call them up and ask what they can do.  It may take a while so give yourself some time to talk.