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Approach works especially well for men, study says
intermittent fasting to lose weightGrowing up you probably played with a yoyo. It would go down and up. Down and up. Sure it entertained us but the idea of a yoyo can greatly compare in our efforts to lose weight. It can go down and up, more so with age as our body just doesn't function as it used to in our ... Read MoreThe post Can intermittent fasting help you lose weight? appeared first on Natural Health Care Products | Nutritional Health Supplements | Belmarra Health.
Should I Buy Long Term Care InsuranceManaging the potential financial risk to your income and assets is an integral part of smart financial planning. With increased life expectancies and the rising cost of health care, many people are asking the question, "should I buy long term care insurance?".What is long term care insurance?The purpose of long-term care insurance is to provide protection from the financial loss that could occur in the event that you are incapacitated and need assistance with daily living. Prolonged incapacity can significantly drain a family's financial resources due to the high costs of long-term care in an assisted living facility or home care environment.Might I need long term care insurance?According to www.longtermcareinsurancetree.com an estimated 10 million people of all ages currently need long term care; and close to 40% of those are under the age of 65.The Wall Street Journal (June, 2000) states, “… a couple turning 65 has a 75% chance that one of them will need Long Term Care.”California (my home state) has created Partnership Policies that encourage the purchase of long term care insurance. They give an additional asset allowance for Medi-Cal planning purposes that is equal to the total amount spent on long term care via the long term care insurance policy.Why many don't purchase long term care insuranceWith this level of likelihood that you may need long term care paired with the far-reaching financial ramification of the cost, why do many balk at the idea of purchasing it?In my professional experience there are several reasons that long term care insurance may be becoming one of the most neglected of the insurances.Although some believe that the aging population is in denial that they may need long term care, I believe the primary reason for its neglect has been the cost of the ongoing long term care insurance premiums, especially considering that the care may never be needed. Premiums for insurance are partially driven by the likelihood of a negative financial event occurring. The less likely the negative event is to occur, the less the premiums generally are. As we've seen, though, long term care is an increasing likelihood, making the annual premiums more expensive than many other types of insurance.Also, many don't examine purchasing the insurance until they have reached the age of 60 and beyond. By this point the annual cost can be substantial.If you feel that you could benefit from long term care insurance, but are unsure about the best way to pay for it, here are two creative payment solutions for your consideration.Paying out of assets instead of cash flowSometimes the roadblock to purchasing the insurance is how the ongoing premiums will affect retirement cash flow. One option is to pay for long term care insurance premiums directly from IRA assets instead of personal cash flow. Many investment custodians allow the issue of checks to third parties, such as an insurance company. In this way, the protection of the assets would out of from the assets themselves, instead of current retirement cash flow.Asset-based long term care insurance or long term care riders In addition to structuring the payment for long term care insurance on an ongoing annual basis, there are other creative financial products that provide long term care insurance solutions as a part of a universal life insurance policy, or as a rider on an annuity.Asset-based long term care insurance, for example, puts a onetime premium into a universal life insurance policy. Each dollar in the policy can be used in one of three ways. If long term care is needed, each dollar put into the policy can be leveraged into multiple dollars of long term care coverage. If premature death occurs instead, a death benefit is provided through the life insurance vehicle.If neither premature death nor long term care needs occur, the money in the policy can be returned to the policy owner. This can also occur at any point in time that the policy owner changes their mind and decided to surrender the policy*. Get professional advice before you make a decisionLong term care insurance is not necessarily for everyone. The ability to afford the premiums and the total assets and income that are needed to protect from long term costs are important factors to consider before moving forward. If you have questions, consult a competent financial professional who understands your unique situation. If you are interested in learning more about acquiring long term care insurance without paying monthly premiums, please email me at dhubbard@thestewardshipsolution.com *Always consult your financial professional to determine if policy surrender fees apply
Review of 79 studies suggests states may have put cart before the horse, experts say
The Food and Drug Administration (FDA) is advising consumers not to purchase or use Pyrola Advanced Joint Formula, a product promoted for joint pain and sold on various websites, including www.amazon.com, and in some retail stores.
But screening rules for women changed recently, so impact of the shots remains unclear, researchers say
Pay cuts for Medicare physicians, the Highway Trust Fund and the federal Export-Import Bank are among the budget measures that a Republican-controlled Congress will be faced with passing this year.
All lots of Giant Eagle brand Raisin Filled and Apricot Filled cookies, baked and sold individually from the Bakery department service counters inside Giant Eagle and Market District supermarkets through March 20, have been voluntarily recalled by Giant Eagle due to an undeclared milk allergen. People who have an allergy or severe sensitivity to milk run the risk of serious or life-threatening allergic reaction if they consume these products.
Repealing Obamacare is much more complicated than cutting its spending programs, and the plan uses vague accounting to justify its claims.
Today, the U.S. Food and Drug Administration completed its evaluation for two varieties of apples genetically engineered by Okanagan Specialty Fruits, Inc., and for six varieties of potatoes genetically engineered by J. R. Simplot Company and concluded that these foods are as safe and nutritious as their conventional counterparts.
Should I Invest in My 401k?For many individuals, the 401k, 403b, and 457 has been the "no-brainer" way to invest for retirement. In this post, I want to discuss 3 creative alternatives for the management of your current 401k, 403b, or 457 balance, even if you are still working for your company.1. The In-Service TransferMany company retirement plan provisions allow employees over the age of 59 and 1/2 to transfer the accumulated funds in their company retirement plan into their own self-directed IRA, even while they are still working for the company. The transaction is not taxable as long as the funds go to or are made out to the new investment custodian.This allows participants the flexibility and options that come from their own self directed IRA instead of the handful of choices that the company retirement plan offers.In addition, it allows participants the option to take the amount of risk that they want to as they get closer to retirement. Company retirement options can be either too volatile (equity investments) or too conservative (stable value allocations). The self-directed IRA allows you to craft your ideal strategy.2. The New Self Directed 401k, 403b, and 457Two in five employers are giving their employees the option to open their own self-directed brokerage account inside their company retirement plan instead of being limited to the core plan choices. Most of these accounts allow plan participants to hire their own third party investment advisor to manage the funds.Why would plan sponsors allow this? In a word, "liability". This trend toward allowing another investment advisor to make plan decisions releases the fiduciary liability imposed by the Department of Labor's 404c stringent requirements. In the end it represents a win/win. The employee has more options and access to professional advice and the employer is released from greater fiduciary liability standards.Unfortunately, this option is not well communicated to employees, or they just don't understand it. Investment companies such as Vanguard, TIAA-CREF, Fidelity, Schwab, Valic, Lincoln, Diversified, Great-West, Hartford, Security Benefit, Nationwide, Transamerica, TD Ameritrade, and ING are some of the company retirement plans who are participating.A sampling of companies that offer the self-directed retirement plan are in the thousands, but include the County and City of Los Angeles, Kaiser Permanente, Southern California Edison, Home Depot, HP, AT&T, John Deere, Time Warner Cable, Aetna, United Health Care, Samsung, 3M, Oracle, and the list goes on and on.Expect to see more and more companies move in this direction. If you are not sure if your plan participates, email me at dhubbard@thestewardshipsolution.com.3. Investment Alternatives Funded by a 401k LoanWe generally think of 401k loans as risky. But you can actually use a 401k loan to reduce the overall risk of your retirement portfolio.Most company retirement plans allow you to borrow up to 50% of the plan balance. These funds can be used to fund alternative, less volatile strategies in your own investment account.This strategy is a little more sophisticated and has a few caveats.If you are currently contributing to your 401k and receiving matching funds, you want to ensure that you can continue to do so if you have an outstanding 401k loan. Some companies allow it and others don't.You also must realize that paying back the 401k loan will be done with after tax dollars. This will reduce the return that you receive from your alternative investment strategies. Depending on your tax bracket and your alternative investment strategies this may or may not be a viable option. (Remember that any investment advisory fees you pay could be tax deductible, through).Finally, you need to structure your cash flow to make up for the decrease in tax home pay from your 401k loan repayment. This can be offset by setting a systematic distribution from your alternative investment strategy to your own bank account for an equivalent amount.The result of the 401k loan investment strategy is that you are able to restructure about 40% of your total balance over the 5 year repayment period (since your alternative strategy account will be slowly depleting if you use it to repay you lost cash flow). If you would like more information about implementing these investment strategies, please email me at dhubbard@thestewardshipsolution.com. Free Download: How Much is Enough to Save for Retirement Free Retirement Resources
Supervalu Inc. of Eden Prairie, Minn. is recalling Essential Everyday Chocolate Covered Raisins because the product may contain undeclared peanuts. People who have an allergy or severe sensitivity to peanuts run the risk of serious or life-threatening allergic reaction if they consume these products.
When President Obama boasts that nearly every economic statistic is better now than when he entered office, that sounds like a laughable claim to many Americans.
atrial-fibrillationWhen it comes to matters of the heart, things can go unexpectedly awry. When we're exercising or participating in some physical activity, sometimes our heart is beating faster than usual. If we experience fear, anxiety or stress, our heart rate can increase as well.This is all perfectly normal under these circumstances. It allows our heart to pump ... Read MoreThe post Heartbeat trouble could be atrial fibrillation appeared first on Natural Health Care Products | Nutritional Health Supplements | Belmarra Health.
Content marketing is rapidly becoming a top way for companies to build a loyal following. It’s a valuable strategy for non-profit organizations as well, since content marketing allows for freedom in both message and delivery system, and doesn’t feel as disingenuous as advertising. Non-profits can use content marketing to spread more information about their cause […]SHARETHIS.addEntry({ title: "4 Ways to Boost Fundraising with Great Content Marketing", url: "http://christianfinanceblog.com/2014/12/03/4-ways-to-boost-fundraising-with-great-content-marketing/" });
Social Security is no longer just a safety net for Americans in dire need of extra money in their twilight years. The program is now a primary lifeline to millions of retirees who would otherwise find their finances six feet…
Spiritual blessingd and help from the bible
Peculiar ambassadors united for the lord, as young people's organization.
[06-24-2015] The U.S. Food and Drug Administration (FDA) is warning that permanent loss of skin color may occur with use of the Daytrana patch (methylphenidate transdermal system) for Attention Deficit Hyperactivity Disorder (ADHD).
I heard a story some time ago about an elementary school whose playground was near a busy street. The children would not play anywhere near the street because of the danger. Instead they congregated close to the school building.Later on, the school decided to build a fence along the length of the street to separate it from the playground.Interestingly, after this boundary was placed, the kids moved their play far beyond their original location and closer to the street itself. In fact, they would play right up to the fence boundary without fear. How interesting that a boundary actually decreased fear and tension rather than increased it.Fence near playgroundI think that this story beautifully illustrates the power of a spending plan.The purpose of a budget or a cash flow spending plan is to create a boundary of protection for each category of spending. It gives you a clear sense of where you can safely play and where the danger zone is. So many people avoid using a spending plan because they assume that it will decrease their freedom. In actuality, effective boundaries increase freedom in the same way that erecting the playground fence led to greater freedom and peace of mind to play beyond what the children were normally comfortable with.Without clear financial boundaries there is tension and uncertainly every time I spend money since I do not know how each transaction will affect my big picture. But once I lay out a game plan to choose where my money will go and create a system to stick with it, I benefit from greater confidence and peace of mind.Maybe you've never found a resource that could really help you master your cash flow. If that is the case, I encourage you to download our free ebook Cash Flow Solutions. It will walk you through everything you need to know and do to gain control and experience greater freedom.Freedom through boundaries. Download for Free describe the image
(Part 1) of a sermon preached at St. John Baptist Church in Decatur, Ga. on Sunday morning March 3rd 2013. If you took the time to view our video please post a comment to let us know. Thank you very much and may God bless you. Pastor Tommy Dunn Jr.
// Do it yourselfAs a financial advisor, you would think it strange if I thought that most people could or should do their own planning.From my perspective, the issue is not so much one of competence to do it yourself, but the value of your time and the role of accountability in the overall process.THE VALUE OF YOUR TIMEComing to the place of being fully competent to manage all aspects of your personal finances involves putting in a lot of time so that you can become an expert in each component of your finances.It involves proficiency in investing, taxes, estate planning, budgeting, employee benefits, and insurance (not an exhaustive list). Not only this, but there must be expertise in bringing all aspects of these topics together into a coordinated plan that integrates their interdependencies.There is no doubt that with enough time, you can get to this level of expertise. The question is...is that how you want to spend your time?As an example, I could repair my own vehicle whenever I needed to by studying auto mechanics and purchasing the requisite equipment. The reason that I don’t do this is because I don’t have the time or the interest. I know that there are already capable people who I can delegate this to. THE ROLE OF ACCOUNTABILITYAn interesting observation that I’ve made over the years is that those who hire a financial planner seem to accomplish more than those who choose not to delegate it.I have some ideas about why this could be the case.More action oriented. Accountability with a third party calls others to action more easily than accountability with a spouse only or with myself only. It gives each step and action a sense of timeliness when I know that someone will be following up with me.Avoid more pitfalls and mistakes. When someone works with me, they are able to get my expertise of how to avoid the most common mistakes that many individuals and families make. Greater expertise and competence makes avoiding the pitfalls much easier. Clearer vision. A third party set of eyes that is not emotionally involved can yield more clarity in decision-making. They can better see the big picture of all aspects of personal finance.WHAT ACCOUNTABILITY IS AND ISN’TI see my role as helping clients to implement the commitments that they have made, not creating commitments for them.Money, investments, and decisions always belong to them. It is not my role to superimpose my values or belief system.I attempt to accomplish this through encouragement and positive reinforcement, not guilt or shame.The role of a good advisor is to ask the right questions. The right questions help clients think through and wrestle with important planning issues that are not clear cut.When I meet with clients for progress meetings, my goal is to compare what they want to do with what they actually did and the blueprint of our plan with the actual construction of the house over time.I’ve found that when a client invests their time and their money in this project, they are much more committed to seeing it through.This is not to say that I have not met many capable do-it-yourselfers in the realm of personal finance. There are many of them out there that do a very respectable job of managing things themselves.My philosophy is that we should delegate those things in our life that we can so that we free more time for those things that matter even more than money. Want to read more about choosing an advisor?Read Trying to Find a Financial Advisor? Watch Out for These Red Flags (part 1)Read Trying to Find a Financial Advisor? Watch Out for These Red Flags (part 2)
The Food and Drug Administration (FDA) is advising consumers not to purchase or use Xcel Advanced, a product promoted and sold for weight loss on various websites, including www.beenaturalnutrition.com, and possibly in some retail stores.
 
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