Summer Vacation Planning Tips

Summer 2017 is quickly approaching and if you haven’t already, it’s time to start planning that family trip you know you deserve. While planning a summer vacation is super exciting, the thought of spending all your hard-earned money isn’t too fun to think about. That’s where a spending plan comes in. Follow these tips to plan a great summer vacation without breaking your bank!

Do Your Research
The first step you should take in building a spending plan is research destination options to get a feel for how much you’ll spend in each place. Some things to take into consideration are the flight prices, average hotel rate in the city, transportation costs beyond your flight, activity costs, and average meal costs.

Be Realistic about Your Timeline
If you have your heart set on an extravagant summer vacation and the spending plan isn’t coming together smoothly, you might need to consider one of two things: 1) eliminate spending in other areas of your life to add more cash to your vacation costs, OR 2) plan a smaller vacation this summer and continue saving for the dream vacation next summer when you’ve had more time to build your vacation fund.

Set Up a Vacation Savings Account
One mistake many people make is keeping their vacation cash in their checking account or physically in their home. This makes the money too easily accessible, and it may become tempting to spend the money on other things. The best solution is to open a separate savings account specifically for your vacation money. Setting up this account with an online bank will allow you to earn a higher interest rate. You should also consider automating your savings to make sure you’re putting some money in the account every paycheck.

Once on Vacation, Know the Local Deals
While your vacation fund may limit how much you can spend, it doesn’t need to prevent you from having a wonderful time and experiencing new things in your destination city. If you take advantage of local resources, it will allow you to do more without breaking your budget. A great way to stay informed about local deals is by signing up for local deal newsletters such as Groupon, Living Social, or Amazon Local Deals in your destination city.

Stick to the Plan
​While on vacation, your bank’s mobile banking app is a great resource to have on your smartphone. When you’re constantly swiping your debit card for meals, attractions, or souvenirs, these charges can add up quickly and it’s easy to lose track of exactly how much you’re spending. Mobile banking is a great way to keep track of your spending plan while on the go. It lets you transfer funds, locate ATMs, and constantly check your balance. If you load your summer vacation funds onto a prepaid debit card, you can avoid overspending altogether.

Remember, you deserve a break this summer! Keep these vacation spending plan tips in mind and you’ll happily find your balance between an unforgettable yet affordable summer trip. Enjoy!

See more at: http://www.tardus.com

Teaching Children Financial Success

As an adult, you know the true value of a dollar. When you work hard everyday for your money, you learn just how much a dollar is worth. Having a good relationship with money, and being a smart spender are important life skills. As a parent, one of the best gifts you could give your children is the opportunity to develop their own smart relationship with money. Parents who give their kids control over a portion of their money and guide them in their decision-making raise children who are better prepared for the real world. Teaching kids about finances is best done through experience.

Here are some ways to use your children’s summer vacation from school to set them up for future financial success:

1. Start early 
It’s important to begin the financial discussions early in your child’s life. You should begin discussing money with your children by the age of 5 or 6. Money is a complex concept, so starting young will allow your child to develop a deep understand as they grow older. When your child is young, focus on teaching the basics such as the fact that things cost money and how that money is made and handled. It’s not a bad idea to open a simple savings account in your child’s name that they can begin learning to use and get real life financial experience.

2. Encourage your child to make their own money 
With summertime here, it’s the perfect opportunity for teens to make money. During the school year, children have very limited hours to dedicate towards working, but the summer break gives them the time and freedom to earn their own money. Begin discussing possible summer jobs with your child months in advance to allow them time to search for a job that excites them and go through the hiring process. And if they aren’t finding a job that inspires them – create one! The teen years can be a great time to experiment with entrepreneurship, from lemonade stands to landscaping services and more.

3. Give up control 
As a parent, it’s difficult to give up control as you always want to protect your child; but it’s important to let your kids do things themselves. Let them make bank deposits and withdrawals in their own account (with your help, of course). Let them make their own purchases with the money they have - whether it’s birthday money, babysitting money, or money they’ve earned through chores or a part-time job. As a parent, offer advice, but ultimately let them decide what they want to spend their money on. This is a safe way to learning through guided experience.

4. Let them make mistakes 
Letting your kid make mistakes is a crucial part of teaching them. Even if you think (or know) your child is spending their money on the wrong things, let them do it. They will learn from their mistake, and then you can have a discussion about it. This is another way children will learn through experience. 

5. Set limits and provide structure 
While you’re giving up some control and letting your children make their own mistakes, you still want to set limits. This will ensure that their mistakes are limited to small scale lessons. Last but not least, provide structure with your financial lessons. Structure will help your child establish a strong and consistent saving and spending plan.

There is no time like the present to lay the groundwork for financial success. We’d love to hear what other tips you’ve used with your children that helped them get on their way to being financially responsible! 

See more at : http://www.tardus.com/

Small Businesses... Chock-Full of Optimism

According to a recent Allstate/ USA Today survey, US small businesses are bursting with confidence touting 64% saying their businesses are doing well. This study, conducted with just shy of 3,000 small businesses (firms with 100 or fewer employees), also indicates an overwhelming sense of positive outlooks being anticipated for the year ahead, showing small businesses to be more upbeat than they have been in decades!

“While the business owners’ perceptions appear to have been brightened by the election of President Trump, who has vowed to cut taxes and regulations, they’re also rooted in improved sales and the fading of economic headwinds that lingered long after the Great Recession ended in 2009.”

All of this is an extremely encouraging economic position for businesses, allowing for more hiring and spending, making this notably a great time to own a small business. The percentage of those feeling more hopeful of the prospect of leaving their business to their children had also risen since last year as well.

“These enterprises aren’t just talking a good game; they’re opening their wallets. Thirty-four percent of those polled said they added at least one new employee in the previous three months, compared to 22% in late 2015.”

Lower taxes and fewer regulations are also helping with this latest optimism, largely in part to the assertions of President Trump and his administration. Even though there is also a lack of predictability surrounding the administration, this survey shows that small businesses continue to move forward while keeping them bright-eyed and bushy tailed for what’s to come.

All in all, we’ve been highly encouraged by studies like this showing a continually optimistic vantage-point. We also can’t help but find these views to be somewhat “contagious” in that many of our clients who leverage our strategies and mindsets of the small business owner are prospering from it all too!

If you want to hear more about the strategies the team at Tardus has collected over the years and how they can benefit both individuals AND small businesses, be sure to attend the Small Business Expo in Honolulu on May 18th where Tanisha Souza, CEO and Chief Wealth Coach, will be speaking on the topic.

For More Info:    How to get more monthly cash flow

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We couldn’t be more excited for this month’s Wealth Revolution Competition event. On April 27th , we’re welcoming the 11-time World Champion in Racquetball, Brazilian Jujitsu, and Mixed Martial Arts, Egan Inoue, also host of Egan’s Fit Body Bootcamp!

Egan was born and raised in Manoa Valley, and he now enjoys life in Hawaii with his wife and 5 kids. He and his wife, Marcia, successfully manage fitness gyms in Moiliili, Kailua & Aiea. Egan’s Moiliili gym is the home of his Brazilian Jiujitsu classes for men and woman of all ages. His fitness classes are a fun, effective combination of his training techniques from his professional sports career.

Egan’s goal is to provide people of Hawaii a friendly atmosphere to improve their fitness, train in MMA Bootcamps, give children a strong foundation in life, and to help both children and adults learn life-saving techniques. Egan leads his family and clients by example, following his philosophy of clean eating, consistent exercise, and constant learning and self-development.

At this event, Egan will share his secrets on the “Mindset of a Champion.” As a result of winning eleven world championships in three different sports, Egan delivers hope, inspiration and proven principles that will guarantee success once they are applied to life, relationships, and business. Some of what Egan will cover at this 2-hour Bootcamp event include overcoming obstacles, setting goals, focusing on your process, defining your non-negotiables, discipline, and creating your vision.

You don’t want to miss the event that inspires your mind, body, and soul all at once. Join the Tardus team and Egan Inoue for the Wealth Revolution Competition meeting on April 27th from 6:30-8:30pm.
Bonus - we have two great promotions for attendees!

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To register for this event, click here. 

If you’re unable to attend, don’t worry! We’ll be streaming it live on Facebook. Grab your friends and family and get ready to be inspired!

For More Info: Financial Independence

Little Known Tax Secrets - Tardus Financial Services & Reviews

Little Known Tax Secrets - Tardus Financial Services & Reviews

How would you like to double or triple your monthly cash flow in 30 days? Wouldn’t we all? The key to it most oftentimes stems from planning ahead of time. As Benjamin Franklin so eloquently put it: “failing to plan is planning to fail,” which rings truer than ever when it comes to taxes. It is when taxes become a passive action that just happens when we make a purchase or when they become a reactive process that is only looked at each April that most falter and grumble about taxes. Adversely, when people take a proactive approach toward taxes and plan ahead, that is when their gripes turn into enviable smiles.

Albeit fitting and apropos, this year’s Wealth Revolution Competition (WRC) will kick off with speakers that are extremely versed in taxes and cash flow. Rick McPeak and Jim Conway will uncover several secret and amazingly powerful tax deductions along with other exciting ways to monetize the questions and concerns on everyone’s minds. Definitely a meeting not to miss this February!

To give you a better sense of what tax planning can do, Tycon not only helped us make an extra $75,000 but they also saved us roughly $40,000 in taxes this year, all by planning ahead. Of course, there are some things that we needed to do at the end of the year to make sure that we only pay a certain amount of tax for 2016, but if it hadn’t been set up ahead of time, we would never have been able to make or save as much as we did. In other words…yea, it’s a pretty big deal. In fact, there are many in the Ali’i Kālā VIP program who now have an extra $2,000-$3,000 every month that can be correlated to their tax planning.

And don’t just think it’s for those who make a lot of money. In fact, you don’t have to make a bunch of money for this type of planning to be effective. It’s all about knowing and understanding the tax code system and leveraging it to take full advantage to benefit YOUR bottom line. Minor, yet effective, changes can allow you to get tax breaks that can save you thousands without any real noticeable change to your lifestyle, simply by using the opportunities that are already made available.

To go a step further, it is important to note that these tax strategies are totally different than just filing your taxes. In fact, your tax preparer can still file your taxes. This planning is, however, a great way to strategize toward increasing your cash flow while keeping more of your money where it belongs, being used for better things than taxes.

Head to our Facebook page to watch the live video from WRC! 

 

 

Read more : http://www.tardus.com/blog/

Tardus Success Stories - Become Our Next Success Story! | Tardus Reviews

Become Our Next Success Story!

 

 

Dino Stylianopoulos I have created additional cashflow of $2397/mo and rising in the last six months and I clearly see being able to equal my salary as an international airline pilot in less than two years from now which gives me an option to retire, invest in other worthwhile projects, and spend more time with the people I love and care for: my wife, kids, close friends, and trusted business partners.

Dalen in Nepal
You both probably have many direct, financial success stories from your clients; but I wanted to share with you that there are a multitude of indirect stories as well. You are a contributing part of every albendazole pill or bag of rice I hand out. This is my vision coming into reality already, and Tardus strategies have been absolute necessities in getting me this far.

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Paul Whisler
Since I joined Tardus, I've paid off I think 15,000 in car and credit card debt and I have about $26,000 in investments generating $850 per month. I'm also looking into buying my first rental property.

​I think everyone who isn't already financially free could use Tardus.  I've been telling everyone about Tardus from family, friends, coworkers, and even a few strangers I just met.

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Learn to Adopt Millionaire Thinking in 2017 - Tardus Reviews

Tardus Reviews - Learn to Adopt Millionaire Thinking in 2017

Last year, Chris and I did a two-part series on adopting millionaire thinking and how that helped us to very rapidly achieve our dream life.  Some of you reading this might be thinking, “but I just want to get out of debt, I don’t need to be a millionaire.”  But I want you to understand that it’s just as easy to become a millionaire as it is to get out of debt, if you have the right mind-set.

Over the next several issues of Wealth Revolution, I will recap some of the key points we made in those sessions that helped us to go from zero to $5 million in a few short years.  Building our cash flow and net worth helped us grow our relationship as a couple and also our family with two beautiful children.  
Principle #1: “As a man thinks in his heart, so is he.”  Prov. 27:7

What do you think it means to be a millionaire or financially independent?  Is it hard work?  Do you believe that you could never be a millionaire?  Is it something that only doctors and lawyers can achieve?  Your beliefs about yourself, money, and what’s possible dictate whether you will ever get there.  A few years ago, Chris and I attended a millionaire conference where the participants were asked, “What were you taught about millionaires growing up?”  The answers were astounding and included everything from: “they are greedy,” “they were born with silver spoon in their mouths,” “they walk over others to get to the top,” “they are mean and stingy.”  Consider this:  if you hold deep-seated negative (and incorrect) thoughts about the wealthy or about becoming a millionaire, it will be impossible for you to ever become one.  After all, no one wants to be a greedy, cut-throat, and stingy person.

For read more updates & blogs : http://www.tardus.com/blog/

Coach's Corner - Tardus Reviews

Cora Sanchez

http://www.tardus.com/blog/coachs-corner9745386

Cora has been in the financial sector since 1988 doing bookkeeping and small business management. One of her clients started with Tardus a few years ago and after Cora witnessed her results, she contacted Tanisha herself to get involved. Her goal is to help her clients secure their retirements and ultimately their highest goals. 

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She grew up in California, from the South Bay to the Frisco Bay. She loved her family’s summer trips traveling thru the western states: camping, fishing, and seeing the great National Parks. She continues to be dedicated to preserving the open spaces and natural wonders of Oahu’s North Shore and is on the board of three non-profits and a coordinator for an adopt-a-park in Haleiwa. 

She is a widow and has one grown daughter and three grandchildren. She currently lives with her 16-year-old granddaughter, who’s a budding entrepreneur in social media and bikinis! She loves cats and has three: Alex, the youngest and a male cruises the beach with her and makes friends of all who pass by. He’s the furry mayor of Crozier Drive.​

“Being a coach at Tardus enables me to work with my clients (new and old) to create a new mind-set about their retirement, the endless cash flow possibilities, and ultimately their wealth  management. When I say this I get a big SMILE on my face!”

 

For read more blogs : http://www.tardus.com/blog/