The Unexpected Retirement Panic Attack

Retirement is challenging enough even without the added feeling of terror because of not knowing where the next check will come from. The trick is to convert your capital into an income that you get per month well before you leave the workplace. When it comes to retirement planning, there are a few simple steps that you could take to make sure that you have a steady income source the moment you retire, and arranging this ahead of time can help you avoid underspending overspending and even panic attacks.

Sources of Income

The first thing you need to do is to inventory the possible sources of income once you retire. For instance, you know that Social Security could only be given out as an income, there will be no lump sum benefit. You have to ask yourself if there are other possible benefits as well as assets that you can turn into a monthly check.

Pension Plan – in case you are lucky to have a well-prepared benefit plan from your employer, you should think hard before you cash it in. You can minimize your stress by taking a lifetime income rather than a lump sum.

401(k) – defined contribution plans build up as targeted posts of money during retirement. And even though taking a lump-sum distribution or even getting it into an IRA are the basic approaches, check if you can make withdrawals from your 401(k) funs as an annuity or systemized withdrawal. By using this approach, it is as if your employer is like paying you from a different account instead of another when you retire.

Deferred Compensation Plan – In case you are covered by a nonqualified deferred compensation plan, your employer could offer you different options as to how the funds will be paid out such as an ongoing income. Especially if you won’t be able to roll it over to an IRA, this could be the simplest way to add to your monthly income.

Immediate Annuity – In case you have a regular or average life span, make the most out of your good health to get a mortality premium by purchasing an immediate annuity. You lock in an income that you cannot live past your life expectancy, and when you live longer than expected, you will surely make the most out of pooling annuities. You may also take into account a deferred income annuity, wherein the annuity starts at a certain age in the future. If an annuity begins payments, later on, it is a good way to deal with your longevity risk’s tail end and you will cover the problem of living way too long.

Life Insurance – Have you got any cash value in your life insurance policy? Before you surrender the contract and pay taxes, find out if you could use the cash values to give you an income for several years. You could also tap into this equity by exchanging the policy into an immediate policy.

Reverse mortgage 

In case you have significant home equity, you could choose a tenure option if you take out a reverse mortgage Columbia. This would offer you an ongoing income every month through accumulating costs against the equity in your home.

And that income would continue until you decide to leave or sell your or if you pass away. There is no recourse against the reverse mortgage loan, the lender could only tap your house for repayment, so it really could act as a stream of retirement income.

Structure Your Income Plan Ahead of Time

The majority of these income-generating concepts take some handling in advance if you wish for them to work, some are just a matter of ticking out the box and watching the money flow in.

Ideally, you wish to arrange your retirement income plan so that things will set in once you retire and you’ve got something less to worry about.

Consider Your Financials 

You should avoid these panic attacks brought on by not having any income plan. You don’t want to get it done in such a way that it will cost you financially. These are the problems you have to factor into your retirement income planning so that you can maximize your cash flow as well as after-tax payouts.

Talk to Reverse Mortgage Specialist now and find out how you can live a financially stable and comfortable life after you retire by making sure that you have a steady income source like a reverse mortgage.


Latest News On Crypto

In simplest terms, the closer a forex option’s strike price is relative to the underlying spot forex rate, the higher the delta because it is more sensitive to a change in the underlying rate. For you to understand which one would suit your preference best, it would be good to understand the difference and similarities between the two before you make that final decision. The first type is the kind that mostly held by the majority of individuals while the other is just like the first type, only that it restricts you to have more freedom than the former except in the “dividends” area. It’s just like I can teach you how to fish, but if you don’t apply those techniques properly yourself, you would not be able to fish well. There are actually two types of stockthe “common stock” and the “preferred stock”

It requires your time and energy, sometimes it demands your money as well. What is it? USD/CAD. One of the must lucrative and viable global money-making ventures today is the Foreign Exchange, or Forex Trading, where an average of 3 Trillion US dollars are being traded everyday. One is the bear market, where it indicates a sustained fall in prices and which does not look like it will recover quickly and a bull market, which is characterized by enthusiastic and sustained buying. All the same, both market circumstances are the two situational extremes in a Forex trading market and it will take a lot of lot of resolve and risk to make good in this market, but good planning, common sense, keen analytical and statistical acumen will surely work best in the forex trading market

To me, this is the best suited option for a beginner, because it will make a very respectable profit out of your investment, and it will keep you away from loss 90% of the time. Invest in a good automated trading software designed to perform forex trades automatically. It should be treated with respect and considered as a real term of employment

It is a must that you first undergo tutorials, enroll in trading courses, attend seminars on the topic: Foreign Exchange market trading, and the likes, so that you can make the correct decisions when trading. The Forex trade market has a distinct special feature that allows you to earn enormous profits fast- leverage. What this means is that with the ability of Forex leverage to transform the trade one (1) hundred times bigger, you are also capable to lose your capital by as much

While it may not be right for you, you are about to quickly find out why having these skills can make you a better all around forex trader. The best analysts made a great deal of money this way. What they should take the time to do is learn critical information by doing forex training that will make them more successful


How To Make Money Today From Investing Online

Most people miss out in the opportunity to earn profits for themselves through investing in the stock market because they dont know where to start from or what to do. Decide how much (what percent) to invest in each, and keep your money invested that way. If you have a spouse, consider discussing joint and individual goals together. For example, over the last two years-the Natural Resources and Commodities, and general Overseas market indexes have markedly outperformed the American stock market. Well now there is a fantastic club that does all the work for it members and very cheap to get started and you can your first shares in 24 hours. You will get shares every month so your portfolio will be growing in size and value over time.

Even a lotto winner, has to at least get out of bed, log on to the computer, go to a website, select numbers and purchase a lotto ticket. Investing in gold coins is a great way to put your assets in a secure, solid, and safe location. These steps may seem overly simple, but the goal of this article after all is How to Get Started

I found that companies did not exclusively mine for silver and that it was a by-product of base metals mining. If the time comes when the gold price goes bananas, which is what economists are expecting to happen sooner than later, you want to make sure that your investment stays unknown to possible thieves. Penny stocks can also generally be categorized as small cap stocks. I understood that the demand for silver wasn’t there because there was a great deal of supply

One of the most portable of the tangible investments is investing in rare stamps and there are many potential investors in this kind of investment. The Multi Commodity Exchange of India Ltd is an independent commodities and futures exchange based in India. It was established in 2003 and is based in Mumbai. The deed is expected when an asset is usually purchased, or the equal money is deposited in a bank. However the amount of dividend payments is not based on a fixed percentage rate, it is recommended and decided by the board of directors

angel investing

Business Marketing On Mobile – The Latest On Mobile Marketing And Advertising

Now, what does this lesson mean to you as a small or mid-sized business owner? Have you adapted your communications and/or marketing channels to be in the same space as your current and prospective customers? What communications/advertising channels do you currently use to reach your existing or prospective customers? Are you using mostly radio, newspaper, TV or direct mail to reach your current and prospective customers? Are mobile devices even remotely being considered in your future marketing strategy? Do you have a multi-media marketing strategy to integrate and tie ALL your various marketing channels into one? About 25% of current US mobile Web users are mobile ONLY and rising! They do not or rarely use desktops, laptops, read newspapers, except by mobile. This way, you can be sure that people will not get offended by your marketing ploys and discriminate against your products altogether. Mobile marketing undoubtedly unlocks the powerful opportunities for you and help you scale new heights in the market. What better way to get a message out to a niche audience than through a device that people carry with them twenty-four hours a day, seven days a week? Just as cell phones, BlackBerrys, and iPhones keep us connected to people across the globe, they also provide a new avenue for businesses to garner customers and attract a targeted group of consumers. And as per the new update, it is compulsory for companies to create a mobile-friendly website because it satisfies more users than before.

Small and medium scale businesses thrive on local mobile marketing primarily. Most of the social buzz has centered around the “best sellers” leaving the impression that there is no room left for the average internet entrepreneur to get in on the action. It will also set some target of the new customers as well. The iPhone is undoubtedly the most popular smart phone on the market today.

For now, mobile marketing is in the market to stay, and researchers say that it will be gaining momentum as time goes. There are certain websites which can provide you with various kinds of essential information regarding this kind of marketing. You will reach all kinds of people, and since you are reaching a larger audience, you will have to pay more for it. Either directly or with the help of sponsors, non profit promotes their cause. These websites recommend certain products to you which can help you market your products and services in a better way.

This free simple marketing solution is paving the way for a brighter future for non profit agencies to reach clients in more effective ways. If you can strive to avoid the common mistakes, then you can have an engaging, simple, and functional outcome. The only real difference between this form of marketing and what your non profit is currently doing – organizations will place promotional material onto social media platforms. Furthermore, your app requires to be companionable with all Smartphone displays, so you must get both the iPad app development and iPhone app development services for your business along with android mobile apps. Mobile phones and applications have assumed control over our lives totally.

file bankruptcy and lose no property

Conversations About Grief Episode #2: Steve speaks about the grief from losing his dad in 2005

In this episode Ed asks Steve questions about his experience from when his dad passed away in 2005.

There are many key points covered in this video:
Why suppressing your grief is not a good thing.
What having dreams about a lost loved one can mean.
The importance of taking the time to grieve.
Some ways families can grieve together.

grief and loss

Meditación Samatha

Meditar no siempre es fácil, especialmente al inicio, pues requiere disciplina y práctica para su perfección. Por tanto, requiere entrenamiento, pero a la larga sus beneficios para la salud son numerosos.

En el mundo acelerado en el que vivimos, muchas personas encuentran en la meditación una forma de conectar de nuevo con ellos mismos, lejos de la cultura occidental, donde el consumo y los valores materialistas rigen la vida de la gran mayoría de ciudadanos. La meditación es una manera de recuperar la esencia de uno mismo y lograr la paz interior.

Cuando nos adentramos en el mundo de la meditación descubrimos que es muy amplio. Existen muchos tipos de meditación, desde la calma mental hasta la meditación basada en el amor y la compasión. Para aquietar la mente lo ideal es practicar una meditación llamada Samatha, que significa, calma mental. De hecho, el mindfulness nace de la meditación Samatha.

La meditación Samatha es la que practicaba Buda, es una introducción hacia la meditación Vipassana.

Consiste en poner el foco de atención en algo muy específico (hay quien la mirada en una vela o un objeto para poder así tomar conciencia de cómo divaga nuestra mente, Al estar focalizados en ese algo estable, fijo e inmanente, vamos entrenando poco a poco nuestra percepción y atención centrada en un objeto o en la propia respiración, de todas, es la que a mí más me funciona.

Cierro los ojos y me centro en la respiración durante 5 o 10 minutos y esto me sirve de puente hacia la introspección y llegar al SER.  

Los budistas dicen que la mente se puede comparar a un mono. Al igual que un mono salta de rama en rama, continuamente agitado, la mente salta sin parar de un pensamiento a otro, lo que nos deja agitados y confusos.

Pero ¿por qué está la mente inquieta ?, ¿cómo se puede calmar y encontrar la quietud de la mente?

Desprenderse de lo no esencial

Para mantener la mente tranquila no hay que distraerse. Desprenderse de lo no esencial es la clave para centrarse en lo que realmente importa. Siendo consciente del momento presente podremos encontrar la paz y la quietud. 

Pero, ¿cómo nos desprendemos de lo no esencial ?, ¿qué es lo esencial y qué no ?, ¿cómo escuchar en nuestro interior la respuesta en medio de tanto ruido? En realidad, el primer paso es bastante fácil, basta con parar y permanecer en silencio. En esta falta de acción empezaremos a encontrar respuestas.

Calmar la mente inquieta

La meditación es una excelente herramienta para calmar la mente inquieta. La meditación reduce el ajetreo incesante de la mente. De hecho, concentrarse en la respiración es mucho más fácil de lo que parece y permite tener una conciencia más profunda de la tranquilidad.

Con la práctica y la persistencia se puede desarrollar la capacidad de encontrar esa tranquilidad a través de la medición sin importar lo que está pasando alrededor.

Beneficios de la meditación

De forma resumida, estos son algunos beneficios de la meditación:

  • Aumenta tu autoconocimiento:  algunas formas de meditación ayudan a reflexionar sobre la propia experiencia .
  • Mitiga los efectos del estrés:  ayuda a encontrar la calma y reducir los niveles de estrés y ansiedad.
  • Afecta positivamente al sistema inmunológico:  tiene efectos positivos en la salud general.
  • Mejora la capacidad de atención y concentración :  trabaja la autoconciencia y la atención.
  • Es útil para empatizar con los demás:  mejora las relaciones interpersonales.
  • Aumenta la tolerancia al dolor:  reduce los síntomas dolorosos .
  • Mejora la memoria y las funciones cognitivas:  acrecienta la memoria tal y como indican algunos estudios.
  • Potencia la aparición de pensamientos positivos:  ayuda a tener una actitud optimista y positiva.

Aunque suene un poco tópico es importante recordar que estar agradecido por lo que tienes es lo que realmente te ayudara a ver las cosas de otra manera. 


Facebook Advertising For Your Online Service

You can likewise visit business and also brand name pages. Go for around 1 out of every 10 updates to be ads. Eventually you must focus on getting as most of your Facebook friends onto your checklist so you can begin developing proper relationships

If the team allows videos and also web links, include those to the team also. After all, thats part of their lives. Check Facebook Insights to find out which updates are one of the most popular. Tip 8. I found exactly the info I wanted, but when I tried to apply it in 2014, I located that YouTube had actually altered and no longer allowed the modifying features I was trying to find

Do not hesitate to share your pictures and also videos with your close friends on Facebook. By beginning a review with a personal story, you aid your visitors lower their guard and make them more likely to click via and purchase the product that you’re referencing because they feel you can connect to them. Keep your group as much as day by adding something brand-new at the very least as soon as a week. Facebook allows you to either upload videos or fire a video clip immediately. With over 2 billion active users every month, it is not tough to picture why businesses of all the dimensions are using this system to engage with their consumers

Why buy from you?. Facebook is a powerful advertising and marketing tool for writers, and it’s a lot of enjoyable. Set up a web page for your publication, as well as begin drawing in readers!. That means you are immediately connected to such people. The sphere of social media sites is expanding internet

how to create cinemagraphs for instagram



•   Get a 20-50% Product Discounts. Like a Sam’s Club, Costco or Amazon…

•   Upgrade to Customer Member for only $25 (annually).

•   Customer Members shop on their own Website Catalogue. – Access products at Factory Prices – Get Below Wholesale Promo Sales – Earn Shopping Rewards


Unique products:

• Category-creating 

• Great-tasting 

• Natural, safe & effective


1. Retail Customer:

   • Order your products today and get them shipped directly to      your doorstep

2. Preferred Customers:

    • 15% discount on autoship 

3. aplgo prime customers:

     • 20-50% discount


    • Access to special offers to get even higher discounts

    • Your own Wholesale Buyer’s Website & Member Shopping Center

Training Your Dog The Sit Command

There’s an old adage that states “you can’t teach an old dog new tricks” and I’ve never understood it. Of course you can’t, if you try, he will remember the tricks that you didn’t teach him and that’s what he will remember, that’s how he will find your mistake. Well, it’s still true, but with age comes wisdom and so you can teach him to be a better citizen. You can teach him to be a good citizen but you have to remember the dog has a shorter attention span than you and that you can teach him a few things at a time.
I have a Border Collie that is ten years old and he is a great dog. He used to wake me up in the middle of the night to go outside and he doesn’t do that now. He never has, I have spent a lot of money on this dog, training him and buying him products but he is a better citizen than I am. If I want him to get out of the yard and exercise he wants to stay at home.
So, my advice is – don’t try and teach an old dog new tricks. I’m happy that he is a better citizen than I am, I appreciate that, but he is a dog and he doesn’t know the concept of a few hundred dollars spent on product and he also doesn’t know the concept of a few months of a lonely bed at a homeless shelter with no access to a fenced in area. It’s just hard to try and teach an old dog new tricks.
What I mean by this is when I’m talking to them about a walk or a run of the neighborhood, as we’re walking through the streets and the neighborhood starts to fill with cars, my Border Collie tends to look at me and try to walk around my legs. He stays by my side and does not go over to check the traffic. He knows exactly what I am thinking and so he is at my side but he does not move towards the cars. He keeps on walking with me but he looks over his shoulder and he waits to see if I will move away from the cars. He knows that if I move towards the cars, I can get killed. I can’t walk over the cars.
But the fact is, when we’re done with the neighborhood, it doesn’t matter what is going on in the neighborhood and we’re on the road to wherever I want him to go, he walks with me but he doesn’t go over to the traffic. He doesn’t run to get out of the way. He doesn’t move towards the cars because he knows that it’s not his place to do anything. He is a good citizen, but he knows it’s not his job to do anything. I’ve got to stay out of the way and my dog knows that.
That is the dynamic that I work with. The reason why I teach dogs this is so that they will always be good citizens. There is no question in my mind that if I was in the neighborhood and something was going on that my dog wouldn’t go over to see what was going on. If I’m talking to him and I’m seeing what is going on, my dog knows that it’s not his job to do something. He understands that I’m the head of the household and I’m the boss and he respects me and he listens to me. He listens to me more than he listens to anybody else because I tell him what to do and I’m the boss.
What I’m working with is that dynamic and I am working with him to see him work as a citizen. He has to listen to me because I am the boss. And the reason why I am the boss is so that I don’t have to answer to anybody. I can stay out of trouble and I don’t have to answer to anybody.
I always say that I’m the boss and my dog understands that. That’s the only way that I can be the boss. It’s because I’m the boss that I don’t have to answer to anybody and I’m the boss and my dog respects me and he obeys me. That’s the only way that I can be the boss and my dog obeys me. And I’m getting the respect that I need from my dog. He understands that because he knows that I’m the boss. And the reason why I’m getting the respect that I need from my dog is because he knows that I’m the boss. So, when I say I’m the boss and my dog respects me, he understands that, he knows that I’m the boss, he knows that I’m the boss and that he has to obey me and that he has to respect me and that he has to listen to me and that he has to watch me and that he has to stay out of my way and that he has to stay in my way and that he has to stay by my side and that he has to listen to me and that he has to stay out of my way and that he has to stay in my way and that he has to stay by my side and that he has to listen to me, that’s what he understands, that he has to obey me, that he has to respect me and that he has to listen to me and that he has to stay out of my way, watch me, listen to me and stay out of my way, watch me and listen to me. That’s what he understands.
And when I say that I’m the boss, my dog, I’m the boss, my dog understand that and that he has to obey me, he understands that he has to listen to me, he understands that he has to stay out of my way and watch me, watch me and listen to me. I’m the boss. He respects me, he follows me and stays by my side. He understands that he has to stay in my way. He follows me. He knows that I’m the boss. He has to obey me. He knows that he has to listen to me and that he has to stay out of my way, watch me, listen to me and stay out of my way, watch me and listen to me. That’s what he understands.
It’s not so much that I yell and yell at him. I’m the boss, remember, so I just sit down next to him, pick him up and keep him in my way, sit down next to him, keep him in my way, he doesn’t understand. He doesn’t understand anything, he’s not very bright, he doesn’t understand.
And if he doesn’t understand, he has to stay out of my way. He has to watch me and he has to stay in my way and he has to stay by my side and he has to listen to me, he doesn’t understand. He doesn’t understand. He doesn’t understand anything, he’s not very bright, he’s not very bright. He’s not very bright, he’s not very bright, he’s not very bright, he’s not very bright, he’s not very bright.
So it’s not so much that I yell and yell at him. And he looks at me and he sees me, so he knows, he knows that I’m the boss, so he knows, he knows that he has to obey me, he knows that he has to follow me, he knows that he has to listen to me and he knows that he has to stay out of my way, he knows that he has to stay in my way, he knows that he has to stay by my side, he knows that he has to listen to me and he knows that he has to stay by my side and he knows that he has to stay by my side and he knows that he has to listen to me and he knows that he has to stay by my side and he knows that he has to stay by my side and he knows that he has to stay by my side and he knows that he knows that he is very good at sniffing out, well, you know the rest.
What I want you to get out of this is that dogs are amazing creatures and that we can teach them. I am going to show you two methods that you can use for teaching your dog to be more obedient.
The first way is to use the ‘Obedience Command’ and the second is the ‘Submission Command’.
The obedience command was how I trained my dog, and it is a very simple way to train your dog. It is a very basic way to train your dog and it does take some time to do it but it is the quickest way to train your dog.
The first thing you need to do is get your dog on a leash. I suggest that you get them off the couch where they can wander off and come running to you with a dog barking at him and trying to bite him. You are going to use this leash to give them commands.
The first thing you will want to do is take the leash and wrap it around your hand. Take hold of the leash and say ‘Sit’. Once your dog sits say ‘Stay’. You will want to do this over and over until your dog knows what it is and when he sits when you say it he will stay.
The next thing you want to do is take hold of the leash again and repeat ‘Sit’. Once he sits say ‘Stay’ and do the same thing again.
And then the final step is to take hold of the leash, place your hand behind his head and squeeze. Do not pull on the leash, just make sure to grab the leash. Once you have said sit and squeezed your dog twice, you can release your hand. Now say ‘Sit’ and squeeze again.
Continue this exercise until your dog knows what the Sit command means. If you get frustrated, do not be, this process should take about 20 minutes. The most important thing is to use a command that your dog will be able to understand and execute, that is key. If you can do this, you are good at training your dog.

Dog ideas