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A Time Line To Create Wealth

A Time Line To Create Wealth

PALOS VERDES, CA- Our investment philosophy is based on an individual’s chronological time line, which consists of three periods: (1) asset accumulation, (2) wealth building, and (3) asset conservation and how they are used to create wealth
The Playing Field is not level

 

The financial journey through life’s time line starts at different levels, depending on whether you were born with a plastic or a silver spoon in your mouth. As you travel through your time line, your in-vestment options change. Knowing where you are and what options are available will help you make the right choices.

A Winning Financial Plan up to Age 35

The first chronological period of your life—mid-twenties to mid-thirties—should be devoted to accumulating assets and acquiring basic necessities. When you’re just starting out, your assets are usually limited and the major portion of your income goes for the basic needs—food, clothing, and shelter.

This is the time to save, save, save! Amass as many investment dollars as possible. Your approach to investing during this period should be through tax-deferred plans at work or Individual Retirement Accounts (IRAs). Your degree of risk should be moderate. Investments included in this category are high quality corporate bonds, blue chip stocks, and growth-oriented no-load mutual funds.

Every effort should be made to purchase a home now. The advantages, from tax savings and equity buildup, historically outweigh the short-term benefits of lower monthly rent payments.

Be careful when sheltering yourself and your family from liability. Only pay for protection when you’re purchasing life insurance. Purchase whole life insurance if it will yield a higher rate of return than other investments. After reading the chapter on asset protection, you might seriously consider reducing your liability coverage.

Remember, your main financial goal during this time is tax-deferred accumulation of capital. Don’t take risks with your investments. Save as much as you can so that when you enter the next phase of the time line you’ll be ready to move forward.

Investing between the Ages of 35 and 50

After earnings have increased, assets have been accumulated, and necessities are under control, it’s time to move on. Ready or not, you must face the challenges during this aggressive investment period of your life, when you are between your mid-thirties and early fifties.

The Best Financial Plan for You

Your best financial plan is to create the maximum wealth during this aggressive investment period of your life. Build financial security yourself. Don’t rely on others to do it for you. Many people who relied on major banks and insurance companies for financial security ended up short when these institutions failed. The social security system will not do much better.

You should be careful not to over diversify your assets or adopt a “hold-back” attitude. You must concentrate your assets into one or two aggressive investments rather than spreading them out. Diversification often leads to ineffectiveness.

What if you fail during this period? What is your down side? If you consider your ability to bounce back because of your age, the political influence of your generation, taxes, and inflation, the real risk is minimized. Make your aggressive investments now. As you get older, your ability to rebound declines. If you do not try at this stage in your in-vestment time line, you probably will never do it, and more importantly, you will never know whether you could have made it.

Everything You Get Before It’s Necessary to Learn about Markers

Everything You Get Before It’s Necessary to Learn about Markers

In many ways, the gun is a good expense. They can be expensive and therefore they may want to know of your own interests that might make you feel more comfortable. But how can you find a marker that you will appreciate? Continue reading and you must learn how to do just that.

Everything You Get Before It’s Necessary to Learn about Markers

Look at the maturity of each baby while getting new markers. Simple weapons are usually a danger associated with babies and toddlers who usually put every little object in their teeth. Make sure that the new gun is completely held away from the small one. Weapons that may be for the purpose of older children can easily infuriate the youth.

A large pistol should be protected and also fun. Regarding young adults, try to find weapons that show basic security and accuracy. You can find weapons that will explode with certainty in the case that lead is hard to press. Teens tend to learn good to have good time simultaneously. Learning through the show is the biggest school.

Let a fresh teenager help markers give him a model shotgun he can use. Every firearm playing alongside a non-lethal bullet is actually well-liked. Your son or daughter can definitely try to build his goal. Some pistol models have targets which means your child can easily train the shooting of smaller items. Everything You Get Before It’s Necessary to Learn about Markers

Always check the label associated with the weapon. Currently, you do not find many markers made from poisonous parts like these people years before. Although, it is possible some people exist. This type of weapon can harm your child, he should take that element.

Suppose your youth are added whenever looking for their own guns. Until you already know what they need, wondering where the weapons they might like might be hit harder than jumping over. This will ensure these people get something they definitely like. In addition, the item assures you that you are not wasting your money on almost any pistol that will not be used.

If almost all the rifles you get for kids are running with an electric pack, make sure you take them out of the actual teen las vegas bankruptcy lawyer with it. Choosing to be amazed how easy it is for every young person to consider a battery outside of some sort of rifle in pieces or chewing it. It is simply impossible to give them a chance to achieve this.

Find a marker that has a good return insurance policy. You never learn the type of shotgun that young adults will attend. By simply finding out your alternative store insurance plan, you can save yourself a lot of trouble.

Reasons to Buy Life Insurance Now

Reasons to Buy Life Insurance Now

Many people postpone the purchase of life insurance in Greenville, SC, and other fields because they seem to assume that the benefits are not something that applies to them. Unfortunately, every year people learn that it is a mistake not to invest in this policy. Although you definitely do not want to sit around thinking about your possible death, it is a mistake not to prepare yourself for the overly obvious possibilities so you can be taken far before you expect. You need to buy a good policy now to give family opportunities to your family in case of your death, to give you the peace of mind right now, to improve the nature of your investment, and to keep low payments on this financial aid.
Provide for your Family

Reasons to Buy Life Insurance Now

To be honest it’s important for everyone to get a good policy, but it’s even more important for you to invest in life insurance in Greenville, SC, if you happen to be one of the major financial providers for your family. Equally unpleasant, you need to figure out what will happen to your family if you die. How do they pay for the necessities of life? Will they be properly provided?

Investing in these policies can help them survive if the unthinkable happens. If your loved ones are faced with the tragedy of your loss, make sure that they are also not faced with the tragedy of losing their homes and the quality of their lives. The size of the policy should end up equal to the amount of revenue you generate. Talk to good advisors to find out which policies are appropriate for this need. Reasons to Buy Life Insurance Now

Giving You Peace of Mind

Many people who buy the required policies tend to do so after the loss of a loved one. No one likes to think about it, but death can come anytime. If you want to avoid worrying about what your family will do if you die, then the only way to gain peace of mind is to buy the right policy.

Increase Investment Portfolio

This is a frugal and wise person who takes time and money to create the right insurance policy. Since this is an investment, it will be reflected in your investment portfolio. When a financial institution looks at the funds you have invested, when a financial institution sees this policy, it will look good to you. They will see that you are not a big risk taker and you understand the need for preparation.

Keeping Payments Low

The sooner you get your policy, the less you have to pay. First of all, this means you have long paid the policy. This alone will save you money for the premium you have to pay. You should also consider that if you are injured or sick, the amount you pay for this policy will increase rapidly. Getting your payment set and guaranteed at this time will mean that you are getting a premium set for your current health and youth.

Of course this is not something you want to think about, and it may be a bit awkward to get to know the person you love. That being said, it must be something that needs to be done. The person you love should be grateful to know that you love them enough to make sure they care about whatever happens. If you have not done so already, you need to work now to build some life insurance in Greenville, SC. Reasons to Buy Life Insurance Now

General Pension Planning Sense Financial planning for retirement is the main focus of our company. Let us help you find the many opportunities available to help you plan your financial future. Visit our page at http://www.commonsenseretirementplanning.com to view our page today!

The Secret to Success of Private Universities

The Secret to Success of Private Universities

Whether you are president, department head, administrator or board of directors, you may have seen a number of different ways of handing over operational problems in your college. Small issues, such as missing out packets are often minimized by choosing an insurance package. Larger issues usually require more collaboration, and in some cases, changes to the policy. Here are some of the secrets behind a great college.
Office is organized

The Secret to Success of Private Universities

When prospective students go to the door of your institutional administration, are they immediately welcomed and assisted? Some will be participants telling horror stories entering unlocked buildings that are completely empty, just to wait a while and to be awkward out. To minimize frustration during peak periods, some services may be moved online. Documents should be well organized and stored in the closet or otherwise, the views of those who serve the college.

Beautiful grounds

There are many things to say about first impressions. Even so, the institution needs to care about its appearance throughout the year. While students come and go, they take around them. A neat and clean place brings positive vibrations and can even contribute to better concentration. The gardens should be well-trimmed, weed-free and attractive. The building looks good when the pressure of washing and fresh paint is part of the treatment program.

Reliable Delivery

Insurers incur a small but valuable cost. Institutions often have to send laboratory equipment back to the manufacturer to handle work or replacement warranties. If the package is missing together, the college may pay the full price for the new item. Problems like this eat into a tight budget. Some institutions have arrangements with the nearest library where they regularly trade books back and forth. Attention should be made to keep track of all incoming and outgoing items, especially if rare or valuable pieces are being transferred.

Quality Instruction

Students enroll in an education program because they believe it will benefit them in the future. Programs must be established to provide the right balance between theory and practice. When choice choices are given, they must match the goals and demands of learners in the world of work. The same applies to the resources used to facilitate education. Whether specific textbooks or online guides are required, the material should provide the best learning opportunities to learn foreign concepts quickly and continue to build on their knowledge to address more advanced topics.

Good educator The Secret to Success of Private Universities

Good teachers motivate their classes for greatness. They hold qualities such as patience and determination, which can help students at lower levels to improve their performance and achieve goals. Confusing homework or reading assignments may overwhelm some learners. When professors openly offer their business hours, phone numbers and email addresses to those enrolled in their classes, students tend to feel more comfortable.

Given good organizational strength, hygiene, package insurance, quality teaching and excellent educators, you can imagine the net effect on institutions that implement such initiatives. If your college has a good reputation, there should be no problem in attracting new applicants.

Can Marijuana Slow Your Brain’s Aging Process?

Less than 10 years ago, marijuana was illegal everywhere in the United States. Yet, today more and more states are recognizing the medicinal benefits of marijuana. And legalizing it.

As marijuana becomes more acceptable, more studies have been done and the news is astounding. Why? Because new studies show that medical marijuana can actually slow down your brain’s aging process.

Excited? Read on.

How Does Medical Marijuana Slow Aging?
As everyone knows, with the increase of age, our memory performance decreases. It’s just a natural side effect of getting older. Or is it? Do humans have to accept getting older or is there something to be done?

This latest research, by scientists from University of Bonn and Hebrew University, shows that humans may be able to help prevent brain function from slowing as they grow older.

How?

THC, or tetrahydrocannabinol, the main psychoactive ingredient in marijuana has been shown to boost memory, learning, and cognitive function in older mice.

It is important to note that the dosage of THC administered to the mice was so small that there was no intoxicating effect on them.

How Was the Experiment Performed?
There were three testing groups of mice used while conducting this scientific experiment. Each group represented mice at a certain age. The experiment lasted approached four weeks.

The three groups used were 2 months, one year, and 18 months. Some mice were given a placebo while other mice were given small doses of THC.

Each group of mice solved a water maze.

The mice were tested for:

Learning Capacity
Memory Performance
Orientation Skills
Recognition of Other Mice
What Were the Results of THC with the Test Groups?
After four weeks of conducting this experiment, the results were astonishing.

Researchers found that:

18 Months With No THC: Older mice who were not given THC during this experiment showed difficulty recognizing familiar objects. They also experienced difficulty navigating the maze.
18 Months With THC: Those very mice who were given THC actually scored very similarly to the younger, more vibrant mice. And they did so for an entire month after the dosing stopped.
However, the youngest group of mice who were administered the THC appeared to decline in their cognitive abilities.

Why? Because both under stimulation and over stimulate is harmful. Meaning that in young mice, the endogenous cannabinoid system is already pretty active so adding THC simply overstimulated the mice until their cognitive function declined. The same is true for young people.

One wonders what impact is going to be on current cannabis stocks.

What Do These Findings Mean?
“The treatment completely reversed the loss of performance in the old animals,” Prof. Andreas Zimmer from the Institute of Molecular Psychiatry at the University of Bonn and member of the Cluster of Excellence ImmunoSensation.

Great, THC reverses loss of performance in old animals, but what does that mean for humans?

It means that THC is stimulating the brain’s endocannabinoid system.

What is an Endocannabinoid System?
The endocannabinoid system is a biochemical pathway that slows down with aging. It’s located within the brain, spinal cord, and peripheral nervous system. Its receptors help regulate memory, mood, appetite, and pain.

The human body actually makes its own cannabinoids. They help regulate what is being neurotransmitted. When THC is inhaled or ingested into the system, it competes with the body’s own cannabinoids for the receptors.

This is what leads to changes in which signals are released.

This study is sure to lead to more studies on the myriad health benefits of medical marijuana.

Why HIPAA Compliance Training Must Be Every Year

 

More than 10.5 million records data is lost or stolen every day.

Many violations were unintentional and a result of supervision or lack of training. This violation proved to be very problematic for doctors because HIPAA legislation protects patient information.

Then there is a more common way to reveal patient information by accident. Posting photos from work to social media, for example, may violate HIPAA.

If an employee inadvertently displays patient information, it could mean serious problems for the practice.

The annual HIPAA compliance training helps to protect this practice. It also helps employees avoid some obvious and less obvious mistakes.

Discover why HIPPA compliance training is so important every year.

New Employees May Have Been Missed HIPAA Compliance Training
Many new employees occur during the growth period to help address these shortcomings. That means things may be busy in the office. It’s easy to skip steps in installing new employees under those conditions.

If HIPAA compliance training only occurs during onboarding, new employees are never trained. It can be a disaster if they unknowingly break the patient’s confidentiality.

It should also be noted that inadequate training is one of the five primary reasons new employees jump ship in the first six months.

Annual compliance training for all employees means that, sooner or later, everyone gets speed.

Changing the EMR Software
The American Recovery and Reinvestment Act of 2009 mandates that practices that serve Medicare and Medicaid patients begin to apply electronic medical records.

Let’s say you have used EMR software that you do not like and decided to switch to Raintree. No matter how sophisticated, no software can automate every nuance of HIPAA rules. Equally important, it takes time for software developers to pursue changes to regulatory interpretations.

Compliance training allows employees to make good decisions about data handling in the system. It also allows them to manually adjust the nuances of non-programmed software to automate.

Avoiding Data Violation
There is an entire HIPAA section devoted to measuring data security.

Moreover, the Health Service and Humanitarian Service takes the violations seriously. One company paid HHS $ 5.5 million after a series of data breaches.

Some security occurs at the network and system level. The rest takes place on an individual level.

For example, employees may need to bring in devices that contain sensitive information off-site. Notebook computers, tablets, and flash drives often contain such information. If the device lacks encryption or is left unattended, this is a brief step for data breach.

HIPAA compliance training periodically ensures that employees are up to the proper handling of portable devices.

Separate Mind
Annual HIPAA compliance training is a simple way to avoid many expensive problems.

This positions the employee to better handle the EMR system as guidance on regulation develops. This reduces the likelihood of accidental data breaches by encouraging home-based best practices. It also serves as an unsafe practice if the onboarding process is incomplete.

If employee training suffers from billing wetting too much time, check out our article about the benefits of outsourcing your bills.

Why Millennium Investing Is A Trend Away From Stocks

Either they kill the golf industry or change the way business is done, the millennium changes everything.

And that includes investment.

Over the years, most investors have put their money into the stock market. With the entry of the millennium into the financial sector, it is slowly changing.

According to a survey by Goldman Sachs, only 18% of the millennium see the stock market as the best way to save the future. 40% are not at all interested in the stock market.

In this article, we will look at the top trend of Millennial investment and try to understand the purpose of the market.

The Millennium Has Encountered Market Accidents-Several Times
The Millennium is a generation between the ages of 18 and 35 that grew in the 90s and 00s. The two decades saw some major changes to the economy.

Millennium grows through Dotcom bubbles and housing and explosions of the same bubbles. They have undergone two recessions.

We’ve all seen how the Great Depression has lasting impact on the financial habits of our grandparents. These explosions and explosions have a similar effect on how Millennials make their investments.

After seeing a high-risk short-term investment fail, Millennials are skeptical of the stock market. Although almost triple in the years since the great recession, most young investors see this growth unsustainable.

Millennium Need Less Money to Invest
This is not laziness: The millennium gets a lower wage than their parents. And that is coupled with a much higher student loan debt.

With a debt-to-income ratio higher than the previous generations, Millennials has insufficient revenue.

That includes income that will lead to investment.

The millennium invests less because they do not invest much. And what money they have to invest tends not to enter the stock market, because …

Millennium investments prefer lower-risk options
After living through the chaotic high and low levels, the Millennium feels a healthy skepticism towards risky investments. And that includes the stock market.

With a little money to invest, the millennium is more careful with their choices.

According to a survey conducted by Bankrate.com, thirty-nine percent of the millennium chose cash investments for long-term financial planning. Twenty-three percent prefer real estate.

Both lead the stock market, which goes in at only 19%. This is despite the much higher return on investment.

But Millennial investments are more interested in security than ROI. The stock market may have a higher potential for high profits, but it is accompanied by a healthy risk dose.

And young investors are not interested

The Millennium is a Great Corporate Skeptic
It’s no secret that Millennials does not trust big companies.

As consumers, millennia move their money from big brands and into small or local companies.

The Millennium is less concerned with economic success as their parents. Rather, they are more concerned with environmental sustainability, economic equity, and product quality.

As a result, they are not interested in cruel corporations. The millennium is not impressed by sacrificing quality or cutting wages to increase profits.

And since most local companies do not trade on the Stock Exchange, many millennia are not interested.

One thing is certain. As they become a larger part of the economy, Millennial investment habits will have a permanent effect on the financial sector.

5 Strategies to Take Your HVAC Marketing Online

 

Knowing how to utilize internet marketing is quite different than knowing how to fix a home’s air conditioning unit.

Your company may be the best at creating HVAC solutions, but without the HVAC marketing to back it, finding new clients can be a slow process.

However, when you combine marketing deals with exceptional results, the growth opportunities are endless.

Although marketing may not be your expertise, do not shy away from trying it out.

Here are five strategies to use online marketing plans.

1. Run a Competition Analysis
Before you do anything with your online presence, research the way your competition is attempting to stand out.

What keywords does your industry see as the most valuable?

Do local competitors have a strong social media following?

Getting recent, detailed answers to these questions will point you in the right direction for your HVAC marketing strategies.

Remember, if you are just starting to use online marketing, you’re playing catch-up. Discovering your competition’s tactics can help pick up the slack.

2. Always Think About Conversions
Once you’re ready to start picking search keywords and setting up an overall budget, remember to keep conversions as your number one goal.

Prioritizing traffic over conversions is like handing out 100 or 10 flyers and not noticing respond to them. Getting noticed online is great, and traffic can often boost brand recognition, but there is no greater ROI than conversion.

The better you can create a sale, the more efficient your budget is being spent. Over time, this builds more gains for less effort.

3. Focus on Your Content
One of the key ways to achieve good conversion rates is producing new content consistently.

For HVAC marketing, “consistently” means two things – often, and on-brand. You have to produce enough content to stay relevant in the minds of your consumers.

The more aligned your messaging is, the better potential consumers will get to know you. They will become familiar with your brand’s values ​​and personality. Over time, this can mean easily recognizing Kaiser AC over a competitor.

Plus, the information will be more accessible because of consistent content boosts SEO performance.

4. Get Client Testimonials
Another way to boost conversions is building a testimonials page.

This makes your website more trustworthy and approachable. It’s like taking the old-school method of relying on the word of mouth and using it in today’s consumer’s way.

Testimonials can be the deal-breaker for consumers who do their research. If your reviews are easy to find and relatable, there is a chance of someone choosing you over a competitor who does not utilize testimonials.

5. Consult the Professionals
This is the most important tip on our list.

At the end of the day, everyone has a specialty, and it’s not expected for HVAC marketing to be a common skill. However, contacting a content marketing group is like getting insurance on your online efforts.

It connects you to a team of professionals ready to boost your business and build conversions. HVAC services possible, while you focus on providing the best HVAC services possible.

Boost Your HVAC Marketing Approach
When individuals can focus on their specialties, everyone wins.

Your Product Photos Glance at Instagram

Your Product Photos Glance at Instagram

In today’s digital everything is getting easier and easier. Includes sales, just product photos, type caption, upload, finish. But actually not as simple as that in online sales. Especially the product photos, nobody can just check and upload it. Moreover, old school photo representation of products that you sell.

1. Know your product to know which is the best corner of your product

Not just fitting to  you have to know the couple, to examine the therapeutic angle of the product you are also absolutely necessary. If you want to sell food, of course you will photograph your food in full-shot. But you also have to look at any angle that can be photographed.

Suppose you want to sell macaroni with melted mozzarella cheese, you ga must be glued to your photo of macaroni in full. You can also explore by taking a corner from above or focusing on the melt. Most importantly you should recognize your product and explore every best corner of your product. Guaranteed your photograph getting glimpsed because

2. The concept of shooting is not just for  wedding , photos of your products also need a concept

Your Product Photos Glance at Instagram

Well, the concept also must be considered. Do not get your photo finished so. Remember, first impression is the key. Do not let your prospective buyers do not understand what concepts and products  you sell. Just like the first step, your exploratory sensitivity should be sharpened. You can also use the model if needed.

3. Prepare the right camera and lighting

 

Do not have to use professional cameras like DSLR or mirror less to get a good photo. Just use the camera on your phone! As long as your camera is still functioning well, the results are sharp, and that focus is enough. You can apply the rules of Rule of Third or one-third rule.  once review it if you want to know the rule.

Lighting should not be missed. This is important for your photograph to be more alive. Try using the lights that are tilted and above the beam.

4. Do not Fear Failed. If It’s Wrong, Just Repeat Only!

Your Product Photos Glance at Instagram

If you are not satisfied with the results of your shots, just repeat. Instead of the results do not make you happy and prospective buyers fail to buy your product.

5. Let your product photo more alive, photo editing is also required, Origin is not excessive

 

This last one is not absolute, but rather necessary. In editing, your sensitivity is again needed to let your photograph be nice to see. Never use an editor like 360 ​​or B612. I swear it’s not! If you are professional, usually edit photos using Adobe Lightroom. If you feel complicated, just use the application Snapseed and VSCO. Guaranteed your photos will feel aesthetic. Do not overdo it.

Auto Insurance and Personal Injury When to Get Legal Help

Auto Insurance and Personal Injury When to Get Legal Help

If you are injured in a car accident as a driver, a pedestrian, a cyclist, or a passenger, you may want to seek the help of a personal injury lawyer in Sarasota. Their legal expertise can protect you from legal action against others and help you receive the financial compensation and medical care you deserve. Most importantly, though, they can help you against an aggressive car insurance company.

Auto Insurance and Personal Injury When to Get Legal Help

So when should a lawyer get involved in your situation? Learn more with this easy-to-use guide.

What are they doing

Personal injury lawyers provide legal services to ordinary people who have been injured in an accident. No matter what the role of a person in an accident, they can be hurt by someone else’s carelessness, deliberate harm, or negligence.

The lawyer can also work as a personal advocate for you in the face of a major auto insurance company, who has dedicated a team of paid attorneys to find loopholes and technical limitations so that people like you do not receive fair compensation.

If you suffer severe injuries, expensive medical bills, lost wages due to inability to work after an accident, or other personal or financial damages after an accident, you deserve compensation, especially if you suffer permanent injuries. However, sometimes car insurance companies refuse to help you. This is when an attorney can help you and fight for your compensation.

Disputed duty Auto Insurance and Personal Injury When to Get Legal Help

One of the most difficult ways a car insurance company can try to avoid mistakes and refuse to compensate you is with disputed accountability. This is a tactic where the insurance company claims that you are wrong because of your own injury. They may try to blame you, accusing you of causing the accident to be financially deliberate, or even claiming that their policyholder is not responsible for the accident. They may even try to blame a third party who is not involved in an insurance claim or write it as pure death on any side.

In this case, personal injury lawyers in Sarasota will use their legal knowledge to prove that the person who caused the accident was guilty and will force their insurance company to compensate for any injuries and other damages. Whether they deny responsibility, try to delay payments to you, or refuse to pay the compensation you deserve, professional legal assistance is your ticket for recovery.