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Budgeting - How Making Simple Plans and Sticking to Them can Save You

One of the keys to saving for retirement or for any large expenditure in your life is to budget your everyday expenses. Budgets don’t work, of course, if you don’t stick to them, so creating a budget is only one part of the process. You have to stick with your budget if you want to save any money for a rainy day. The process of budgeting is both straightforward and complicated. Many people start with an amount of money they would like to save by a certain time. Maybe you want to go on vacation next year, and you need a few grand to make that happen. If you have a decent job, you should be able to get to your goal with smart budgeting. Make a simple chart of expenses you know you will have over your given time frame—expenses such as rent, loan payments, electrical bills, etc. You won’t know all the details of every expense so you’ll have to estimate at times. Calculate the amount of income you expect to make over the same time frame and see what the difference is. If you can, plan for larger expenses that you can’t foresee, such as medical or dental bills. Once you have a balance sheet for your time frame, you can plan on putting away a certain amount of money every month, week, or pay period.

Gary Kapanowski advises people on their financial needs as a professional accountant in Michigan. He encourages anyone who will listen to budget as far into the future as they can, so they are always prepared for emergencies and for their next big vacation.

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A Few Financial Tips to Get You Ready for Retirement

It’s never too early or too late to plan for retirement. Even those on the cusp of the end of their careers could use some retirement advice from time to time. Many young people think of retirement as a faraway time in their lives that they don’t need to worry about for decades. The truth is, the earlier you start planning for retirement and saving, the easier time you will have when you need to bear down. Here are a few tips for saving money for retirement:

Analyze and re-analyze your portfolio. Setting up an investment portfolio is great, but nurturing your portfolio will create wealth for your retirement for years. Make sure that you are constantly reassessing and examining your portfolio and keep it deep and diversified. Your spouse can help. If you’re married, include your spouse in your retirement savings plans. Maybe he or she can help you with expenses to trim your regular budget and allow more money for retirement savings. Plan for the retirement of both of you, and ask for help. Seek advice from a financial planner. Getting professional help for your retirement savings plan can be expensive, but the personalized advice from a dedicated planner is worth the fee in the long run. Financial planners can set up investment portfolios and let you find the best ways to set aside savings for your retirement.

Gary Kapanowski, a professional accountant for Moeller Manufacturing in Wixon, Michigan, helps his company save money and knows the importance of saving money for retirement.

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Financial Tips to Save for Retirement

It’s never too early to begin saving for retirement. All financial planners tell their customers that if you are a working adult who wants to retire someday, the time to start the process of saving for that life after work is now. People of all ages have begun saving for retirement so that they have something to fall back on when they are done working. Here are a few tips from the professionals to get you started:

•    Reassess your portfolio. You have created a diversified portfolio with stakes in smart sectors spread throughout the business world, but your work isn’t done. Wise investors need to constantly reassess their portfolio to see where improvements can be made to maximize investment returns.

•    Reassess your expenses and make changes whenever possible. As your life changes, you will need to adjust your expenses and budget to make sure you are putting enough aside for your retirement down the road.

•    Consider your spouse. If you’re married, see if your spouse is also saving for retirement and see if they will share expenses to ease your financial burden and allow you to save more for retirement.

•    Seek professional help. Getting the advice of a professional financial planner along the way is worth the fee they charge. They can suggest the best investment and budgeting options for you based on your specific financial situation.

Gary Kapanowski is a financial planner and accountant based in Michigan. He says that he helps people of all ages plan for their retirement and budget for their future. He suggests all of the above tips.

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Gary Kapanowski: Black Belt Certification

Gary Kapanowski has studied Lean Six Sigma thoroughly and holds a Master Black Belt certification issued by Lawrence Technological University. He believes that using this technique in life can help improve a person's overall function. Gary Kapanowski's goal is to educate as many people as possible on the benefits of using the method in everyday situations. Lean Six Sigma is best described as a collection of methods that use a team approach to improve overall performance.

The Lean Sigma Six method has been shown to greatly help its practitioners learn how to better attend to their customer's needs and promote the overall success of the business. Gary Kapanowski credits his ability to fully utilize and understand the method to his mentor Dr. Robert Kaplan. He credits him with helping him to win the Financial Executive of the Year Award in 2006. "I was trained in a seminar by Dr. Kaplan, the guru of the Balance Scorecard, which is how I won the 2006 FEYA award,” said Kapanowski.

Gary Kapanowski suggests to all the Six Sigma employees to learn follow his example and find a dedicated mentor. It's somewhat intimidating for those with White and Yellow Belts, because they are unfamiliar with the consulting and technological duties provided by Green and Black Belts. Gary Kapanowski is adamant that they key to the program’s success is having a great mentor. It really aids in making the process less intimidating and more exciting.

Mentors are also very helpful in making newly trained employees feel more secure in their abilities. Six Sigma is something that many companies try to incorporate into their daily operations, but in varying ways. Gary Kapanowski believes that Green and Black Belt trainees should try to lead projects and mentor others within the same areas that their interests lie. It's important that a Green or Black Belt be confident in his or her position and make sound decisions for the team.

Gary Kapanowski : Twitter:- https://twitter.com/garykapanowski_

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Gary Kapanowski : Eliminate  Scourge of Adult Illiteracy

Gary Kapanowski is proud to have volunteered his time and expertise to the Macomb Literacy Partners organization, which works to eliminate the scourge of adult illiteracy through high-quality, one-on-one tutoring. Macomb Literacy Partners has provided over 4000 people with the opportunity to develop and improve their writing, reading and public speaking ability since 1984.

Gary Kapanowski worked with both the organization and its students for two years, helping to develop lesson plans, evaluating and tracking student progress and working one on one with students to increase literacy rates and improve their math, writing, reading and language skills. Gary Kapanowski committed four hours a week to providing attentive and focused teaching and tutoring to Macomb students, and was instrumental in improving the organization’s turnover rates, increasing overall student participation and improving student’s lives.

To view full post visit here : https://garykapanowski.wordpress.com/2014/06/13/gary-kapanowski-volunteer-tutor/

Find Gary Kapanowski on Twitter -  https://twitter.com/garykapanowski_

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Gary Kapanowski: Growing Economic Risks in 2015

Gary Kapanowski is a expert in financial analysis and studies the top economic masters about the growing economic risks in 2015. One such analysis by Mohamed El-Erian, one of the world’s best economic minds, illustrates the importance of the strong US dollar is having in the world. According to Gary Kapanowski the word “divergence” is being used in many corners. El-Erian describes the world into four groups. By understanding these grouping, one can forecast possible outcomes for individual stocks.

Find Gary Kapanowski on Twitter : https://twitter.com/garykapanowski_

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Gary Kapanowski: Financial Executive of the Year

Gary Kapanowski is skilled accountant, with years of experience in the financial field. He is a graduate of the University of Michigan, and served as the president of the Detroit Chapter of the University of Michigan Alumni Association, and was on its Board of Governors from 2006 to 2008.

Gary Kapanowski was also awarded Financial Executive of the Year by theRobert Half International and Institute of Management Accountants in 2006.

Gary Kapanowski - Ask.Fm:- http://ask.fm/GaryKapanowski

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As a professional accountant, Gary Kapanowski has held various leadership roles such as the president of the Detroit Chapter of the Institute of Management Accountants. Gary Kapanowski tries to also give back to the community when he can by volunteering for Macomb Literacy Partners, and enjoys studying history. 

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Gary Kapanowski : Involved in Revitalization of Detroit

Since childhood, Gary Kapanowski distinguished himself as one of Michigan’s most well-rounded individuals. Not only did Gary Kapanowski play high school football, but was also the baseball team’s manager and an excellent student. Gary Kapanowski was the first in his family to graduate from a private high school as well as the University of Michigan. 

Gary Kapanowski is well-versed in financial planning and fiscal responsibility. He has mentored several team members in Lean Six Sigma, Balance Scorecard, and other business models throughout his career. Kapanowski has won several awards, including the 2006 Financial Executive of the Year Award.

Gary Kapanowski comes from a hardworking and close-knit family. His mother worked as an administrator for the City of Warren Fire Fighters.

To view full post visit here : https://garykapanowski.wordpress.com/2014/09/04/gary-kapanowski-a-true-renaissance-man/

Find Gary Kapanowski on Slideshare.net : http://www.slideshare.net/GaryKapanowski

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Gary Kapanowski Shares Importance of Education

Gary Kapanowski was the first in his family to attend and graduate from a private high school. Gary Kapanowski was also the first to graduate from the University of Michigan. Once Gary Kapanowski earned his degree, he went on to become a respected figure in Detroit, Michigan’s competitive accounting world. Gary Kapanowski understands the importance of reading and education, and volunteers his time at Macomb Literacy Partners. Today, he shares some of the benefits of literacy.

Literacy Builds Independence

Adults who grew up illiterate often don’t learn to read because they’re ashamed or feel stupid, Gary Kapanowski says. Lack of literacy makes them dependent on others to complete most tasks. Illiteracy may also place the adult or someone else in danger. An adult who learns to read increases his or her independence. Literacy also builds confidence; an adult afraid to leave a familiar neighborhood can go out and enjoy new people and places more easily when he or she learns to read.

View full post here : https://garykapanowski.wordpress.com/2014/09/25/blossoming-bookworms-gary-kapanowski-and-adult-literacy/

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Gary Kapanowski : Learning Opportunities

Gary Kapanowski is best known as one of Detroit’s best accountants and financial advisors. For decades, Gary Kapanowski worked to improve business models for many accounting firms and other companies. In addition, Gary Kapanowski is a seasoned international traveler. Today, Gary Kapanowski shares several benefits of international travel with readers.

Learning Opportunities

Gary Kapanowski knows every visit to a foreign country holds learning opportunities, particularly for businesspeople. An experienced traveler, Gary Kapanowski regularly visits England, France, Italy, Greece, Monte Carlo, and Spain, among other countries. In each country, he has explored different business models and manufacturing methods. Thus, he is able to transport the best of each country’s methods and work ethics to the United States. Gary Kapanowski and his fellow employees’ work shows a global mindset, open to change and growth.

For complete post visit here : https://garykapanowski.wordpress.com/2014/10/06/frequent-flyer-gary-kapanowski-shares-the-benefits-of-international-travel/

Find Gary Kapanowski on Askfm :- http://ask.fm/GaryKapanowski

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Gary Kapanowski is a seasoned financial specialist and accounting professional. He has over fifteen years of experience in accounting, which includes areas such as tax analysis, auditing, information systems and other aspects. He works in an environment that is driven by meeting deadlines and excels in that type of environment.

Currently Gary Kapanowski is an employee of Moeller Manufacturing in Wixom, Michigan, and also teaches at the Lawrence Technological University Professional Development Center.

Gary Kapanowski - Twitter: - https://twitter.com/garykapanowski_

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Gary Kapanowski is skilled accountant, with years of experience in the financial field. He is a graduate of the University of Michigan, and served as the president of the Detroit Chapter of the University of Michigan Alumni Association

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Gary Kapanowski: Meeting Annual Organizational Objectives

For over fifteen years, Gary Kapanowski has applied his expert accounting services to help various professional organizations streamline their business. He continues to share his accounting knowledge to many professionals throughout the business community in Southeastern Michigan. He is an experienced accounting professional who has proven to be a valuable asset to the companies that he has provided service to.

View full post here:- http://garykapanowski.com/gary-kapanowski-meeting-annual-organizational-objectives/

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Gary Kapanowski : Share Tips To Stay Financially Responsible

Gary Kapanowski has long been considered one of Detroit’s top accounting experts. In his fifteen years of experience with Institute of Management Accountants (IMA), Gary Kapanowski gleaned plenty of knowledge on financial responsibility. Gary Kapanowski knows financial wisdom is a huge part of good physical and mental health. Today, Gary Kapanowski shares tips to help you stay financially responsible.

Save More than Spend

This is the rule that seems most obvious, but almost no one keeps, according to Gary Kapanowski. As weight decreases when calories decrease, money increases when it is saved rather than spent. When you receive a paycheck, Gary Kapanowski recommends you figure out how much you can keep after taxes. From that, take care of necessary expenses first. Save everything left over, dipping in only for emergencies. Once a month or so, treat yourself with a big purchase or a day out with friends and family.

Find full article on wordpress : - https://garykapanowski.wordpress.com/2014/10/14/fattening-the-wallet-financial-responsibility-with-gary-kapanowski/

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Gary Kapanowski : Passion in History

When Detroit native Gary Kapanowski isn’t overseeing accounting or leading Six Sigma seminars, he has several unique hobbies. One of Gary Kapanowski’s passions is history. Gary Kapanowski’s father fought in World War II on the Japanese front, making it natural for Kapanowski to become a World War II enthusiast himself. Gary Kapanowski is also well-versed in the Civil War and Russian studies. Gary Kapanowski shares how historical knowledge helps improve management skills.

Make Allies Carefully

Gary Kapanowski recognizes that making allies or forcing partnerships too quickly can lead to trouble for businesses. In World War II, part of Adolf Hitler’s success rested with former allies he could then force to capitulate to his power.

Read full article here : https://garykapanowski.wordpress.com/2014/10/06/historical-handbook-gary-kapanowski-discusses-how-history-helps-business/

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