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 A Time Line To Create Wealth

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. A Time Line To Create Wealth

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.

Control Risks A Time Line To Create Wealth

Becoming wealthy requires taking “controlled” risks. If anyone tells you that they became wealthy without taking any risks, they inherited wealth or they won the lottery. Years ago, I discovered that real estate was the best investment to control risk and to create wealth. The Real Estate Digest reports that seven out of ten millionaires made their money in real estate, and Forbes Magazine states that there is a three times greater chance of becoming wealthy through real estate than with any other type of investment.

Real estate allows you to control your risk because you can actively participate in the decision-making process. Passive investments such as stocks don’t give you this opportunity. Movements in real estate values are less erratic than in the stock market. Most people don’t understand the economic forces influencing the market. Since real estate is less volatile, it’s easier to control and to understand. Real estate is tangible. You can touch it, you’ve been exposed to it all your life, and you can identify with it. As a result of this familiarity, you are better able to understand it.

Common Planning Retirement Mistakes You Should Avoid

Common Planning Retirement Mistakes You Should Avoid

Retirement planning is complicated and can even be frightening. You set aside funds to support you at least 10 years after you can no longer work. Staying for 10 years without income, suddenly soaring instead of saving, seems almost impossible, but a good pension plan from a financial advisor in Greenville, SC, makes it possible.
A good financial advisor will warn you not to make a common mistake. While certain errors, such as not buying long-term care insurance policies or not considering raising healthcare costs to their future budgets, are common, there is one mistake that is the most severe: no financial plan. Read on for more information about disasters that can accompany poor pension planning and what you need to do to feel secure about your future.

Common Planning Retirement Mistakes You Should Avoid

For the record, saving only 10% of your monthly salary is not a financial plan; This is the basis for the savings of knowledge. Where did this money go? How will it be protected? Can you really believe that this is enough money for retirement? How many years can you live from this money? Will this support an increase in healthcare costs and other needs? The truth is that retirement is likely to last more than 20 years. Many people may try to start planning for retirement at age 35, just giving them about 30 years to save for 20 years or more life without income.

All you need is financial counsel so you can learn the decisions you make now will help you in your retirement. You need to have a plan, update this plan to suit your needs while experiencing life changes, factors in your current savings needs – such as buying a new car or sending your kids to college someday – and working retired into today’s plans .

The truth is that without proper retirement planning, you really run out of money. You can find yourself in your 70s with too little money to skip, no Social Security benefits, and bad planning bad results when you’re young. What would you do if you were too tired or disabled to work as an elderly citizen? How will you find a satisfying job when you have not worked for more than 10 years? Many parents find themselves in unfavorable financial ties unlike anything they face as younger and more capable individuals: losing money and having no way to make it happen. How do you prevent yourself from experiencing a catastrophic lifestyle in which the unfortunate people currently live? Common Planning Retirement Mistakes You Should Avoid

You must know now how to make and set aside enough money to live from a disaster so it will not happen. You have to know how to plan, plan what, how much you need, to set aside these funds, and best of all, which specific economic tools make retirement easy.

A good foundation for a reliable and effective retirement planning is to understand four complex factors that affect your future investment.

First, there is a rate of return on investment – or stocks, bonds, property investments, and other places you expect to benefit from the money you are putting in now. Next, you should consider the inflation rate. A financial advisor can help predict the value your current funding will gain in the future, because you can become blind because you are aging with a savings account that suddenly is worth much lower than you think. Third, you need to think about tax rates and how you will actually lose profits or savings. Finally, you should consider your expenses – not just your current expenses, because every penny you spend now is less for the future, but also understand the costs you will get once you retire.

For this and other complex issues that constitute a solid retirement plan, you should visit a financial advisor in Greenville, SC. Not only can they help you develop a solid retirement plan, they can make the complexity simple for you.

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 Common Planning Retirement Mistakes You Should Avoid

Things to Consider When Getting New Bathroom Countertops

Things to Consider When Getting New Bathroom Countertops

Is it the right time for you to remodel the bathroom? You may be interested in changing things around a bit because you are really tired of walking into a room that looks dull and boring. The correct calculator can make a significant difference for you. Professionals who install bathroom countertops in Alpharetta may be able to guide you through the selection process to ensure that you are satisfied with your purchase now and in the future.
Material Type

Things to Consider When Getting New Bathroom Countertops

Countertops can be made from several different types of materials. Some of the most popular materials include marble and granite, both offering a number of convenient advantages. For example, marble has a bright and elegant look that looks attractive in the room. Marble countertops add value to the house because of how it looks. The choice of granite is very popular because it looks elegant, but it is resistant to heat much better. The granite material does not absorb the liquid much the same as some other options, so you do not have to worry about water from the sink which causes a lot of damage to the surface. The type of material used should be one of the first things you consider before letting a professional install bathroom countertops in Alpharetta for you.

Color and Style

The exact pattern of both granite and marble countertops is unique. You may want to look at the different options and beautiful patterns that exist on them. In addition to the overall pattern and style, color is something else to consider. Did you know that you can get granite countertops in different colors, such as gray, white and black? Marble options are available in tons of different colors as well. Actually, you might be able to find countertops that contain a beautiful blend of colors that will look perfect in your bathroom.

If you want to install bathroom countertops in Alpharetta, it makes sense to consider different materials, colors and styles of choice before choosing one specific type of table to install. You may be able to find a strong and durable option that adds charm to the bathroom without costing much. Most importantly, marble and granite countertops can be used to add more charm and value to the home in the bathroom as well as in the kitchen. Once you have selected the materials, colors and style, professionals can start installing everything for you. Things to Consider When Getting New Bathroom Countertops

How to Shop for Auto Insurance

How to Shop for Auto Insurance

When you set out to buy a car, you usually take the time to consider your needs and budget. The same consideration is just as important when shopping for car insurance. We were flooded with car insurance ads every day; It’s hard to know which one is best for you and your family. Start your search by finding out your state insurance requirements, which can range between $ 40,000 to $ 100,000 per accident. Choosing the amount of coverage you need is the most important factor. Once you decide on the type of coverage you need, you can easily compare policies online to find an agency that offers affordable car insurance in West Palm Beach, or in your area.

Three Types of Auto Insurance

Insurance coverage is the cheapest option and usually includes damage caused by an accident. It is designed to treat damage to other cars or injuries to persons involved in an accident; It usually does not cover damage to you or your vehicle.
Collision insurance covers the required repairs after the accident. To ensure your repair costs will be taken care of, get a list of approved workshops from your agency.
Comprehensive coverage pays for damage due to theft, floods, vandalism, and damage caused by events other than collisions. Some comprehensive plans also include damage caused by uninsured drivers.

How to Shop for Auto Insurance

If you have taken a loan in your car, your lender may have rules about what kind of coverage you need; most lenders require comprehensive coverage. If you own your car directly, you can decide which type of coverage is best for you, as long as you comply with state laws.

Tips on Choosing the Best Car Insurance

Whether you purchased the first auto insurance policy or reviewed your current policy, take the time to compare multiple agencies. We recommend checking your rates every year. You can choose to get a personalized quotation from an agent, or save time using an online comparison tool.
Choose an insurance agent with good ratings. If you are dealing with a reputable company, they will most likely send online customer reviews. Find comments regarding claims, payments, and customer service. Another great resource is the insurance department in your state. Most countries publish a report stating how many complaints a car insurance company receives.
Choosing the right deductible can save you money. A higher reduction will reduce your overall premium, but it will cost you more if you have an accident. A lower reduction means less than a pocket at the time of the accident, but a higher premium along the way. If you have a good driving record and have no accidents in your records, you may want to consider a higher deductible.
Taking advantage of all possible discounts is the best way to make car insurance more affordable. Most insurance companies offer discounts for older drivers, married drivers, and safe driving records. You can also save money by purchasing a car with anti-theft protection and anti-lock brake system. You may be offered a discount to bundle your car and home insurance; However, you should check shared and separate costs before making a decision.
Ask which insurance company they offer for future savings. Some companies have programs that reduce your deductibles for safe driving every year, or you may have the option of keeping your deductible the same after your first accident. How to Shop for Auto Insurance
In the past, most people bought car insurance from agents; there are now companies that allow you to buy insurance by phone or online. Most major insurance companies still rely on local agents to take care of their customers. Your agent can help you find affordable car insurance in West Palm Beach, or in your area. How to Shop for Auto Insurance

Route Optimization – Routing Optimization Can Help Your Service Customers

Route Optimization – Routing Optimization Can Help Your Service Customers

If you love a business that route planning is often important so your service can reach customers on time, then route optimization is something you should consider first. Using a routing optimization software can make everything look very easy for you. It also helps you generate the best customer satisfaction that has become very important just for any business lately. Whether you are a general contractor, engineer, installer, technician or shipping professional, you really know how important it is to serve clients in time.
If you spend your free time for the first time, then there is always an opportunity for customers to switch to the next service provider. As a business owner, you definitely do not want to experience this kind of thing. When delivering services and products can keep customers happy and they will continue to trade with you in the long run. If there is a need to keep the customer intact, routing optimization can help you in many ways. So, before you choose route optimization, you first need to understand some of the underlying things related to it. Route Optimization – Routing Optimization Can Help Your Service Customers

Route optimization is something that can help a person determine the most appropriate and cost-effective route option. When you use routing optimization software, it becomes easier for you to find the shortest route between the two points. There are several relevant factors that need to be included for it such as the location and number of all stops that may fall through that route. There are several other things that can also affect the results of route optimization.

• The number of intersections and turns along the route • Traffic and stop signals • The nearest or best driver to make a delivery service on that route • Traffic jams that may occur during a certain time • The best access to stop on that route

This time you will experience applications that work in a better way to plan your route so customers can be served on time. Actually you can say that route optimization can help you to serve your customers quickly than ever before. If you have the best, most appropriate and shortest route at your fingertips, you can easily feel the difference within a few days. No matter what kind of business you do, if there is a need to serve customers on time, then Routing optimization can help you in many ways. This app is designed to do business on the go! Whether you’re online or offline, this route optimization app works the best way. When you’re offline, and making changes, it saves data that’s automatically changed on the device and once you’re online, the stored data is synchronized to the dedicated server. This makes it easy for you to know the changes you’ve made before. For this reason, the route optimization app can be useful to you at any time. Route Optimization – Routing Optimization Can Help Your Service Customers

What’s The Difference Between Clarifier Swimming Pool And Algaecide

What’s The Difference Between Clarifier Swimming Pool And Algaecide

With so many chemicals to use in the pools offered by stores such as our store in the Pool Warehouse, it is helpful to take advantage of the various types of products out there and the different purposes they serve.

 

Clarifier and algaecide pools are often grouped together, but there are two different reasons.

What is algaecide?

It is important to appreciate that algaecide swimming pools actually do not kill algae – this is not a surprise chlorine work, which we also share in the Pool Warehouse.

However, algaecide can still play a vital role in preventing the algae from growing back in your pond after it is cleaned. These come in two forms – algaecide based copper or algaecide “quat” or “polyquat”. The first, as the name implies, uses copper for the treatment and prevention of algal growth, but it is also known to stain the surface of the pool. What’s The Difference Between Clarifier Swimming Pool And Algaecide

Algaecide “Quat” or “polyquat” is safer to use than copper-based algaecide because it does not cause staining, but quats can cause foaming if not used properly.

Explanation Can Become A Beautiful Pool Key

Their names may seem quite clear to some of us, but it needs to be re-emphasized: Pool Clarification is there to bring clarity to cloudy or dull conditions of pool water.

Cloudy pool waters often occur due to the delicate debris depending on the pool of water that is too small to be removed by the pool filter. These delicate debris often pass through the filter without being collected. Sand filters are well known for their inefficient filtering that can increase the need for Clarifier swimming pools.

Clarifier works by grouping these fine debris particles into larger bunches that can then be picked up by filters. However, Clarifier often does not fit the pool that has D.E. (diatomaceous earth) filter.

Buy Your Chemicals From a Swimming Pool Superstore

Whatever pool chemicals you need, in the Pool Warehouse, we can provide them at the most competitive prices to ensure you get the most out of your pool.

We have a reputable industry reputation as a supplier of all kinds of swimming pool chemicals and cleaning products, so why look further than Pool Warehouse for swimming pool Clarifier, algaecide and other important chemicals at the right price? What’s The Difference Between Clarifier Swimming Pool And Algaecide

Heliskiing in Courmayeur: for a True Off Piste Experience

Heliskiing in Courmayeur: for a True Off Piste Experience

If you dream of making tracks through virgin powder fields and previously unmarked mountainsides, then heliskiing is definitely something you should consider.
Imagine climbing on board a helicopter in the heart of your resort and being flown deep into the Alps, away from the lifts and other people, and then being dropped off on deserted peaks to make your way down. If this sounds like you, then you need to book a heliskiing excursion as part of your next winter sports holiday.

 

Heliskiing Courmayeur

Unfortunately heliskiing is not available throughout much of the Alps: France and Germany have both banned the activity to reduce helicopter activity in the area. The good news is that in Italy there are no such restrictions. So if you dream of descending a blank canvas of snow down the south face of Mont Blanc, you can make that dream a reality from the picturesque Italian resort of Courmayeur.

Don’t be put off if this Mont Blanc adventure sounds a little too high octane for your first time heliskiing; Courmayeur also offers more gentle opportunities across a wide variety of non-glacial terrain, which greatly reduces any risks.

Many companies in the area offer everything from a full day (including two flights) to weekend or even week long adventure in heliskiing. Courmayeur is the perfect base for the sport as helicopters can land right in the centre of the piste area. That way, after your adrenaline-pumping experience, you can stop off for a hot wine at one of the resort’s beautiful mountainside restaurants before heading back to your accommodation.

What You’ll Need

Obviously to try this you’ll need a basic level of expertise. The ideal time for heliskiing is from January through to May, with the conditions in winter being tougher thanks to the larger volume of fresh powder. It is therefore advised that those taking part during the winter need experience of skiing in deep powder.

For those trying it in the spring snow, expertise in deep powder is not so important although, as with any skiing or snowboarding, you will still need a relatively good level of fitness.

Equipment you will need includes: wide skis, good bindings, skiwear suitable to the conditions (including special ski gloves), hat or helmet, goggles or sunglasses.

How to Get To There

If this has whet your appetite for heliskiing, Courmayeur couldn’t be easier to reach. There are regular flights from the UK to nearby Turin or Geneva airports with airlines including BA, Ryanair, easyJet and Swiss International.

Book an airport transfer with Shuttle Direct and just an hour and a half after touching down you could be strapping on your skis in Courmayeur. Just let us know when you book online what ski equipment you will be carrying and we’ll transport it to the resort for you at no extra charge.

Find the right plumber in New Jersey

Find the right plumber in New Jersey

Plumbers install and repair pipelines, water heater accessories, waste disposal, gas, and sewerage systems. They usually work with pipes and related accessories, with a diameter of 4 inches or less. Plumbers present, produce, assemble, install, and maintain piping. Maintenance pipelines also check, maintain, and repair heaters, water, and sewers in industrial or commercial premises.
Howell Plumber can study plan drawings and building operations, inspect work stations to determine possible obstacles, locate and mark placement of pipes, pipe joints and through holes in walls and floors, cut openings in walls and floors for pipes and fittings, cut, and bend pipe, plug and plug the valves, pipe fittings, and join the pipe through screws, bolts, fittings, solder or solvent plastic and collect the joint system. Plumber Howell can work alone or in groups, depending on the type and size of the job. Usually, the work area is often dirty, wet, and with obstacles.

Find the right plumber in New Jersey

Hazards may include hot pipe burns, welding torches, vapors, or molten metals, down stairs, and cuttings caused by pipes and equipment. They can also be exposed to odor and smoke or leakage of broken pipes. Howell pipes usually work 40 hours per week, although they can work overtime for emergency repairs. They often have to travel long distances to work. Generally, plumbers provide their own hand tools, helmets and safety shoes, although in large jobs contractors usually provide heavy machinery.

To obtain Master County New Jersey Ocean Plumber license, the person must meet the following requirements:

– Must be at least 18 years old. – Must be able to read and write in English. – Must be able to do work authorizing the license. – Must have a perfect moral that shows that your ability will not affect the performance of the function you will achieve. – In addition to the above requirements you must meet at least one of the following levels of experience: Have at least 7 years of experience in planning, designing or installing a plumbing system under the direct and continuous supervision of a leading plumber in the United States.

Experience can be obtained by performing maintenance, replacement, and repair work in buildings or for urban agents if the work is carried out under the direct and continuous direction of the principal plumber supervisor supervisor employed by the city agent.

Once the prerequisites are met, Plumber Ocean County teacher candidates must obtain a license that accredits them as such. For this, the applicant must request and pass a written exam and practice, in addition to paying the cost of the process.

However, it’s good to know that it is not always necessary for the applicant to get a license. For example, being an apprentice of a plumber, no license is required, but to become a master plumber, a license is required. Find the right plumber in New Jersey

Jamaica Private Tours

Jamaica Private Tours

Jamaica is an island that offers something special for everyone. The northern coast of Jamaica is loaded with excursions, that are suited for every type of visitors to enjoy. Regardless of the nature of your vacation, whether you arrived on a cruise or by air. Or, if you will be a guest for a few hours or for several days; Your accommodation could be at one of the many all-inclusive resorts on the island, at a villa in the hills or by the sea; there is undoubtedly something for you.
Jamaica is an intriguing island with a rich history that has given birth to Reggae Music and gifted a delicious array of culinary selections to include the famed, Jerk Chicken, Sumptuous Beef Patties, warm and friendly people with infectious smiles. It is the land of beautiful beaches, rolling mountains and majestic waterfalls. It is also known for its great coffee, Blue Mountain, rum and fast runners. Whatever adventure you are looking for you can find it in Jamaica.

 

Like other tourist destinations you may hear of, or may have visited, transportation is an important part of the vacation experience. There are usually several options available for travel when in Jamaica. On one hand, there are big tour coach buses in Jamaica that offer tours to many of the popular attractions. These tours are normally good, but can loose the great-effect, especially because there are too many personalities to be managed. They usually lack flexibility and so it somewhat more ridged. On these group tours, there is normally a schedule, but the tour can sometimes go at a slower pace than is expected, and so can be a bit infuriating and inconvenient for as some persons.

It is always great to have choices, so, on the other side of the coin, there is the private tours catering to your unique and specialized needs. For most guests, this is certainly a better experience because you get to enjoy the company of your group members in a more intimate space; you all get to control the outcome of your adventure. Customized private tours Jamaica permit guests to touch, feel and see the culture of the island in a way that is not available when you travel on group tours. Tours are enhanced when there is a private driver who will more or less become a friend for the day. The treats are better because the focus is totally on your party regardless of the size.

Each traveler has different interests and has peculiar ways of having fun. Being from different walks of life, and having different perspectives on life, your tours should be able to accommodate and reflect that too. Considering this, a small tweak on a private tour could make all the difference- this is what a private tour offers and much, much more.

Private Excursions Falmouth Jamaica

Private Excursions Falmouth Jamaica

Evidently there are many great excursions in and around Falmouth Jamaica. Pre-booking your private shore excursions before arriving in Jamaica is the best option; careful planning allows for doing more and seeing more of the island within the limited time that will be spent on the beautiful island.

To experience the wealth of Jamaica’s history you will need to visit the Georgian Town of Falmouth with its interesting stories and exquisite architecture; they tell tales of the island evolution from its colonial past and its present progression into the paradise that it is today. The town has managed to preserve the ambiance of a European town, and for this reason it manages to create a serene feeling for those who visit.

This stunning town of Falmouth, boasting the exquisite European architecture is pleasing to the eye. For size, Falmouth is a small town, but is perfect as an entry point to the island. For this reason, the town is home to one of Royal Caribbean Cruise Line Ports. Situated on the northern coastline of Jamaica, Falmouth is between 30 and 60 minutes to some of the island’s best excursion sites.

Leaving from the Pier in Falmouth, the landscape will tell the story of the region’s colonial past; once being a major player in the sugar industry, the port that is now used by Royal Caribbean was once used as a commercial port where rum and sugar was shipped to Europe. The Hampden Plantation was where the sugar cane was grown and the sugar processed in the mills located on the property. Today, the site now houses the Hampden Rum Factory which offers tours of the facilities. It is a great experience for cruisers arriving at this port.

Rafting on the Martha Brae is another excursion that is very close to the Falmouth Port. It is a romantic experience for couples and is great for kids also. For older folks, this is a wonderful activity, making it a perfect choice for families. The rafts are handmade by locals; designed using the shoots of the bamboo plant. The Martha Brae River is tame body of water making raft rides down the river quite smooth and enjoyable. It doesn’t get better.

The town of Montego Bay is just a 30 minutes’ drive west of Falmouth. Being in this resort town you are guaranteed to have a great time. You have the choice of Great House Tours; either at Greenwood or Rose Hall for a peek into Jamaica’s past. The Rockland Bird Sanctuary affords a once in a lifetime experience to interact with some of the most gracious species of birds. There is golfing at one of the many courses; shopping for souvenirs, and a trip to the beach are just some of the activities in Montego Bay in which Cruisers arriving in Falmouth could indulge.

To the east of Falmouth there is the town of Ocho Rios, home to some of the best waterfalls in the world. The Dunn’s River Falls need no introduction; it is Jamaica’s premier tourist attractions featured in many travel magazines. It is 600 feet of gushing water, cascading down the rocks; great for climbing.

The Blue Hole Secret Falls is another waterfall in Ocho Rio; though not as popular as the Dunn’s River Falls most people think that it is a better experience. This is possibly because the Blue Hole Secret Falls offer ropes wings, cliff diving, jumping, swimming and cave exploration. Visitors report the thrill of the experience as being unforgettable. It one of the must do things in Jamaica whether you are staying in a hotel or as a Falmouth Cruise Excursions.