It?s Never too Early to Start Investing!

Remember the old saying, "never too late to start"? Well, try this on for size: when it comes to investing, it's never too early to start. Time really is of the essence here. Those of us who find ourselves between the ages of twenty and forty should make investing for retirement a key priority on our list of things to do.

Your average, middle-aged, two-income American family lives paycheck-to-paycheck. And, life expectancies are increasing. So how do you expect to be prepared for a retirement that could potentially span twenty, maybe thirty years? How do you keep your welfare in mind as well as the welfare of your family, especially that of your children, when choosing your investment(s)?

Ladies and Gentlemen, may we present the Roth IRA account.

Sure, it's easy to think: that's nice, but the economy is in the pits. I have a hard time dealing with the present as it is. And now you want me to think of investing for retirement or for my kids?

Fair enough. But let's get out of Personal Budget-Crisis mode for a moment and consider: just $2000 invested in a Roth IRA for a child when s/he is born is worth about 2 to 3 million dollars when that child reaches the age of 65! And you don't have to add another cent to the principal amount! Astounding, you say, how is that possible? That, my dear Watson, is the beauty of compound interest at work. Roth IRA's are a perfect investment tool for this situation.

Imagine the results if funds are added over the same number of years. Depending on your income, age, and tax bracket, the Roth IRA now allows an initial investment of $4000, and additional investments of up to $4000 annually. And, profits can be taken absolutely tax-free when you're 59 ½ years young! The potential for returns blows away the idea of simply holding money in a savings account or a traditional bank Certificate of Deposit (CD).

At the risk of sounding like a bad infomercial, DON'T WAIT?INVEST NOW! But before you tune us out, we understand that you may have concerns like I don't have time or I don't know how.

In fact, all is takes is one 15-minute phone call. Talk to someone at a brokerage firm, or to your financial advisor, to set up a Roth IRA account for yourself and your kids. A good financial advisor will explain your options without the need of a "Investments-to-English" dictionary. Take advantage of this basic service. Surely you can spare 15 minutes, especially if it's to turn $2000 into 2 or 3 million dollars!

Still in college, or recently graduated and fighting off student loans? Believe it or not, it is possible to save a little money and invest for the future. A college professor heard the true story of a janitor who earned about $15,000 a year working at a school for underprivileged children. In the 1970's that janitor, who had never graduated high school, donated $1 million to the school. Deeply inspired, the professor followed the janitor's investment example and donated $8 million to a university?on a professor's salary.

Moral of the story: Don't determine what you have by what you earn, but by what you save. Both men understood the power of investing just a small portion of his earnings. The results were remarkable donations on seriously unremarkable incomes.

Everyday, young investors are taking advantage of this great system, and planning for their futures. Think of one good reason why you shouldn't do the same for yourself, and for your family. Go ahead, we dare you.

Scott Pearson is an investment advisor, writer, editor, instructor, and business leader. As President and Chief Investment Officer of Value View Financial Corp., he offers investment management services to a wide variety of clients. His own newsletter, Investor's Value View, is distributed worldwide and provides general money tips and investment advice to readers both internationally, and in the U.S.

For further information about starting a Roth IRA account or another investment for the future, Scott Pearson can be reached directly at Scott@valueview.net or by visiting http://www.valueview.net

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Google News Updated : Thu, 24 Jul 2008 06:51:44 GMT Obama lavished with airtime -- and criticism - Los Angeles Times ABC News Obama lavished with airtime -- and criticism Los Angeles Times - 1 hour ago As the media moves to correct itself for glowing coverage of the Democrat, it's entering a period of shallow analysis. By ON THE MEDIA, JAMES RAINEY It seems like just about everybody has spent the last week beating up on the media for showering too ... Veterans group hits McCain on troop pullout The Associated Press 'Generation Gap' Widens in the 2008 Electorate Wall Street Journal Boston Globe - New York Times - CQPolitics.com - Right Pundits all 2,612 news articles Publ.Date : Thu, 24 Jul 2008 05:43:11 GMT Pittsburgh Cancer Center Warns of Cell Phone Risks - ABC News China Daily Pittsburgh Cancer Center Warns of Cell Phone Risks ABC News - 6 hours ago By JENNIFER C. YATES and SETH BORENSTEIN AP Writers AP The head of a prominent cancer research institute issued an unprecedented warning to his faculty and staff Wednesday: Limit cell phone use because of the possible risk of cancer. Red alert! The cellphone warning has been issued Los Angeles Times Pittsburgh cancer center warns of cell phone risks The Associated Press DetNews.com - USA Today - Julie's Health Club - Chicago Tribune Blog all 436 news articles Publ.Date : Thu, 24 Jul 2008 00:01:03 GMT Oklahoma determined to have a strong finish - Fort Worth Star Telegram NCAAfootball.net Oklahoma determined to have a strong finish Fort Worth Star Telegram - 1 hour ago By MIKE JONES "Our whole mentality now is WTLG [win the last game]," Harris said Wednesday. "Come out and finish. It’s national championship or bust. Sooner, the better Topeka Capital Journal Players put success on Stoops Daily Camera SportingNews.com - Chicago Tribune - ESPN - Norman Transcript all 38 news articles Publ.Date : Thu, 24 Jul 2008 05:03:29 GMT Bashir Visits Darfur, Pledges Sudan Will Protect Relief Workers - Bloomberg Voice of America Bashir Visits Darfur, Pledges Sudan Will Protect Relief Workers Bloomberg - 4 hours ago By Paul Tighe July 24 (Bloomberg) -- Sudan's President Umar al-Bashir, indicted by the International Criminal Court for alleged war crimes in the Darfur conflict, visited the region yesterday and pledged to provide security for international relief ... Bashir returns to Darfur New York Times How Sudan Was Brought to Court TIME The Press Association - The Epoch Times - Voice of America - Times Online all 1,663 news articles Publ.Date : Thu, 24 Jul 2008 02:39:29 GMT Powerful quake injures 92 in Japan - CNN Boston Globe Powerful quake injures 92 in Japan CNN - 2 hours ago (CNN) -- A strong earthquake injured 92 people and destroyed 31 buildings in northern Japan on Thursday, authorities said. People at an auto dealership in Karumai, Japan, clean up glass shards after a strong earthquake Thursday. Japan's North Hit by Magnitude-6.8 Quake; 95 Injured (Update3) Bloomberg Powerful earthquake hits Japan, dozens injured The Associated Press Jerusalem Post - Reuters - AFP all 766 news articles Publ.Date : Thu, 24 Jul 2008 04:51:37 GMT Dynamo top United at soggy RFK - MLS - Major League Soccer The Money Times Dynamo top United at soggy RFK MLS - Major League Soccer - 1 hour ago By Charles Boehm / MLSnet.com Staff WASHINGTON -- After two aborted tries on previous dates, DCUnited and the Houston Dynamo finally completed the first of their two league meetings on Wednesday night -- and some of Thursday morning, ... Mullan, Ching power Dynamo over DC United 2-0 Houston Chronicle Dynamo outlasts United despite lengthy delay Seattle Post Intelligencer The Canadian Press - FC Dallas - Washington Post - United Press International all 144 news articles Publ.Date : Thu, 24 Jul 2008 05:07:00 GMT "X-Files" movie both satisfies and disappoints - Seattle Times "X-Files" movie both satisfies and disappoints Seattle Times - 50 minutes ago Mulder and Scully are together again in "X-Files: I Want to Believe." The story may be silly, but the agents' romance is compelling as ever. The X-Files: I Want to Believe AU Review IGN Scully have I loved Salon Daytona Beach News-Journal - The State - The Star-Ledger - NJ.com - Youngstown Vindicator all 557 news articles Publ.Date : Thu, 24 Jul 2008 06:01:06 GMT Increased Website Traffic Automate Your Blogging

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