When you make your New Year resolutions for 2012, be sure to include investment and planning for retirement, said Beth Blecker, CEO of Eastern Planning, Inc. , a financial services company that started in 1995, serving hundreds of customers nationwide.

Beth Blecker, RFC, CEO of Eastern planning run by his son, the president of the Eastern Planning, Matthew Blecker, MBA, CFA, CFP:. Matthew and Beth have established ourselves as a leading asset manager in New York with experience in financial planning. They put together 12 resolutions financial planning to help you take control of your financial future in 2012.

Resolution 12 for 2012:

1 have a clear and concise objectives for financial year 2012. .???? This is not good enough to say, I have my credit cards and pay more money in the bank. Instead, one must say, I have a balance on my credit card paid up to $ 0, more than $ 5,000 in my savings account, and the IRA is fully funded.

2 .???? Prioritize your debts. Not all debts are created equal. Make a list of your duties and manage an annual interest rate. Those with the highest level (most likely your credit card debt) must be paid immediately. That’s not good to invest money while you are paying 19 percent or more each year. Some debt is good debt. Debt is good if it brings you income. If you buy a rental property, you are paying the mortgage, but this is considered good debt because they’re getting passive income from rental fees.

3 .???? Open an IRA. If you have not already, open an individual account retirement (or IRA for short). Financial planner or accountant should be able to tell you whether traditional or Roth IRA is best for you. Both offer important tax advantages that can add up to large sums of money in retirement. You have until April 15, 2012 to open an IRA for tax year 2011.

4 .???? Join Automatic Savings Plan. Automatic savings plans are offered for everything from brokerage accounts to bonds. Just contact your financial adviser and tell him / you want them a certain amount of money withdrawn from your checking or savings account each month, on a certain date, and deposited into your investment account. In this way, you are forced to save because the money is taken directly from your bank before you can get your hands on it

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5 .???? Review retirement plans at work. Make sure that your contribution is as big as you can afford. Pay yourself first. If not on the payroll, can never lose

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6 .???? No need to close the account. Banks and financial institutions charge fees for everything under the sun. It ‘really necessary to have several credit or checking accounts? Although there are exceptions, in most cases the answer is not stop! To put things in perspective: imagine your bank charges you $ 8 a month for your account. In 30 years, that $ 8 will be allowed to make more than $ 2,880.

7 .???? Pick up the change. Every time you make purchases in cash, only to spend the whole dollar amount. If you go to the grocery store and your ticket comes to $ 67.39, paying $ 70 in cash and pocket the change. The first thing to do when you go home is a waste of money in large containers (empty jars are ideal.) If you do not comply with this policy and spending changes, you may save several thousand dollars during a year.

8 .???? Giving money. One of the most effective ways to realize the value of money is to give. The next time you get your paycheck, take five percent of wages in cash (the greenbacks in your pocket will make it seem more real if you write checks or use debit cards). Walking through the anonymous pay for coffee and other customers in line. This is a powerful and effective way to change people’s lives for the better, and gives you a sense of financial freedom is better. Suddenly, you realize how many promises of $ 20.

9 .???? Keep track of your expenses. One way to do this is to start using the software of personal finance. Knowledge is power. There are many personal finance software packages available that can teach you a lot about how and where the money is spent.

10. Read the books of each month. If you want to learn to cook, read cookbooks. If you want to learn how to repair the machine, ask someone to show you. Surprising because the printed word can communicate directly with the brightest minds of the last century financial. A good recommendation for your first reading of the financial year 2012 is The Bomb Retirement Savings Time. . . How tame by Ed Slott (January 2012, Viking Adult)

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11. Manage expectations. Both his cow or a bear that you must be careful ofits pigs. Although we are blessed with a very high rate of return in the 90s, are just that: Extraordinary. Managing expectations we only deal with reality. Every time we even slightly above average risk with a little ‘less, we are doing very well.

12. Its What You Do not Remember, What is His. Indications localwill taxesincome, real, or is likely to be higher from time to time. Despite all the hype, the tax burden on our federal state and local level can not be less, the only thing that can change is the way to improve the camouflage. If not now tax planning, as well as non-existent.

Eastern Planning, Inc.

Eastern Planning, Inc. is a financial planning firm that began in 1995. The company serves hundreds of customers nationwide, helping everyone to make decisions through education, communication and service. Planning Eastern has offices in Rockland County and Westchester County, New York

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Securities offered through Royal Alliance Associates

, Inc., member FINRA / SIPC. Investment advisory services offered through affiliate Advisors, Inc., a registered investment adviser. Insurance services offered through the Eastern Planning, Inc. and is not registered as an investment advisor broker dealer. Both parties are independent of Royal Alliance Associates, Inc.

Plan with confidence, enjoying life.

Phone: 845-627-8300, 914-552-2718

E-mail: rproce (at) easternplanning (dot) com

A Blue Hill Plaza, 5 Fl.

Pearl River, NY 10965

845-627-8300

800 Westchester Ave

, Ste .. 641N

Rye Brook, NY 10573

914-552-2718

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