This document outlines seven key life transitions that most baby boomers will face as they move through the last third of their lives: [1] their parents will get old and may require care, [2] their parents will die which will require settling their estate, [3] they will need to focus on staying healthy and managing health care costs, [4] they will reach retirement age and need to consider benefits like Social Security and Medicare, [5] they will need to manage multiple sources of retirement income, [6] they themselves will get old and may require long-term care arrangements, and [7] they will eventually die and should consider legacy and estate planning. The document advises preparing for these transitions now rather
Most baby boomers will face seven key events in their last stage of life that will color their finances and investments. Prepare for these events by thinking about them now.
Get Ready for 7 Serious Life Transitions AheadInsurMark, Inc.
Most baby boomers will face seven key events in their last stage of life that
will color their finances and investments. Prepare for these events by thinking
about them now.
What\'s Your Plan? Protecting Your Most Important Asset - Your FamilyPeter Marengo
A Powerpoint presentation that I typically use for consumers to show them the effects of what living a long life and needing long-term care may have on their family and retirement portfolio.
Most baby boomers will face seven key events in their last stage of life that will color their finances and investments. Prepare for these events by thinking about them now.
Get Ready for 7 Serious Life Transitions AheadInsurMark, Inc.
Most baby boomers will face seven key events in their last stage of life that
will color their finances and investments. Prepare for these events by thinking
about them now.
What\'s Your Plan? Protecting Your Most Important Asset - Your FamilyPeter Marengo
A Powerpoint presentation that I typically use for consumers to show them the effects of what living a long life and needing long-term care may have on their family and retirement portfolio.
Estate Planning involves carefully considered decisions regarding your estate and property, your future and also the future of your children. A great estate plan is your opportunity to thoughtfully leave your assets to those whom you value and feel should benefit from your years of hard work and wealth accumulation. The questions you ask yourself initially will guide your entire estate planning process. This presentation discusses what questions you need to ask yourself as you begin the estate planning process. If you have questions about your estate plan, please contact us on 1800 770 780 or ohl@owenhodge.com.au.
Retirees: Important Questions About Finances309finance
Baby Boomers are retiring and approaching retirement age at a very fast rate and with a very high volume. Many of the baby boomers as well as anyone reaching retirement might have questions about financial security or personal finances. This slide presentation is just a quick guide to popular retirees questions that you might encounter as well as questions regarding retirement and finances.
Note: we are not making any recommendations or advice via the slides. Our goal is to provide information to help you research and understand the challenges being faced by retirees.
Presented by: www.309finances.com
View Legal webinar - Estate Planning 2017 – Where are we at?Matthew Burgess
The pace of evolution of all aspects of estate planning has continued to intensify over the last 18 months. This presentation will use case studies to explore all key recent developments including:
1. the key estate planning related court decisions over the last 18 months
2. taxation and stamp duty changes
3. examples of the attitude of the Australian Taxation Office towards various estate planning strategies
4. bespoke planning opportunities
Women have never been in a better position to achieve financial security for themselves and their families. Women need to take advantage of this position and educate themselves about finances, seek professional help when needed, and implement plans to ensure that they and their families will have financially secure lives.
Thinking of putting your property into a Property Protection Trust, we can help and offer advice with the process, our leaflet here can set you on the right path and advice if you can do this to avoid care home fees.
Because your doctor cares - the health reform law explainedSteve Levine
We know health reform is big and confusing. Some parts of the law started in 2010. Other parts are rolling out over the next eight years. Texas physicians have carefully studied the law to help you understand what the changes mean to your health care.
What factors should we consider before deciding to commute a pension plan to take the lump sum, instead of remaining as a member of the pension plan and getting a fixed income?
Before sitting down to work on your plan, you should give some thought to what your priorities are and what goals and objectives you want to focus on in your plan. Learn more about Missouri estate planning in this presentation.
Estate Planning involves carefully considered decisions regarding your estate and property, your future and also the future of your children. A great estate plan is your opportunity to thoughtfully leave your assets to those whom you value and feel should benefit from your years of hard work and wealth accumulation. The questions you ask yourself initially will guide your entire estate planning process. This presentation discusses what questions you need to ask yourself as you begin the estate planning process. If you have questions about your estate plan, please contact us on 1800 770 780 or ohl@owenhodge.com.au.
Retirees: Important Questions About Finances309finance
Baby Boomers are retiring and approaching retirement age at a very fast rate and with a very high volume. Many of the baby boomers as well as anyone reaching retirement might have questions about financial security or personal finances. This slide presentation is just a quick guide to popular retirees questions that you might encounter as well as questions regarding retirement and finances.
Note: we are not making any recommendations or advice via the slides. Our goal is to provide information to help you research and understand the challenges being faced by retirees.
Presented by: www.309finances.com
View Legal webinar - Estate Planning 2017 – Where are we at?Matthew Burgess
The pace of evolution of all aspects of estate planning has continued to intensify over the last 18 months. This presentation will use case studies to explore all key recent developments including:
1. the key estate planning related court decisions over the last 18 months
2. taxation and stamp duty changes
3. examples of the attitude of the Australian Taxation Office towards various estate planning strategies
4. bespoke planning opportunities
Women have never been in a better position to achieve financial security for themselves and their families. Women need to take advantage of this position and educate themselves about finances, seek professional help when needed, and implement plans to ensure that they and their families will have financially secure lives.
Thinking of putting your property into a Property Protection Trust, we can help and offer advice with the process, our leaflet here can set you on the right path and advice if you can do this to avoid care home fees.
Because your doctor cares - the health reform law explainedSteve Levine
We know health reform is big and confusing. Some parts of the law started in 2010. Other parts are rolling out over the next eight years. Texas physicians have carefully studied the law to help you understand what the changes mean to your health care.
What factors should we consider before deciding to commute a pension plan to take the lump sum, instead of remaining as a member of the pension plan and getting a fixed income?
Before sitting down to work on your plan, you should give some thought to what your priorities are and what goals and objectives you want to focus on in your plan. Learn more about Missouri estate planning in this presentation.
A presentation given at the Indiana Ag Hort Conference on January 17th, 2012 about Facebook, Twitter and Blogging and their use for agricultural and horticultural businesses in Indiana.
Presentation for Lafayette/West Lafayette Convention & Visitors Bureau on May 12, 2011 about Integrated Digital Strategy for Hospitality and Tourism entities
Ознайомити учнів з життям і творчістю Т. Г. Шевченка. Навчити учнів розуміти прагнення поета, пірнути у минуле і ознайомити з життям тогочасного простого люду. Розвивати увагу, правильне мовлення та виразне читання. Виховувати любов і пошану до славного сина українського народу, розвивати патріотичне ставлення до Батьківщини.
Speeding up your WordPress Site - WordCamp Toronto 2015Alan Lok
This is a revised talk from the May 2015 presentation I gave to WordCamp Hamilton. At the end of this presentation you should have some ideas on how to speed up your WordPress site from within (plugins, code / theme optimizations) to environmental changes.
Robert Feinholz: Planning for a 30 year retirementForman Bay LLC
Robert Feinholz: Planning for a 30 year retirement.
Funding a 30-year retirement will take financial planning prowess as you juggle the effects of inflation, distributions, taxes, asset allocation, and expenditures. Are you up to the task?
The Art of Managing Retirement AssumptionsForman Bay LLC
A retirement plan is built on a set of assumptions that can't be validated until it's too late. One key to successful retirement planning is carefully setting assumptions and revising them often.
6 Retirement Questions Government Employees Should Be AskingBravias Financial
There are emotions and worries tied into retirement. When it comes to government workers, they have additional challenges to consider when evaluating their benefits and options. As financial professionals who specialize in helping government employees transition from work to
retirement, Bravias Financial understands that you may have questions about when and how you can retire. This special
report addresses some common questions and presents some strategies to help you prepare for a more
comfortable retirement.
Why own life insurance even when your kids are financially independentPravesh Vasudeva
There are several reasons to continue having a life insurance policy even after your kids have left home. Let's see here in our detailed presentation.
Let's talk about Life Insurance.
Talk to our Trust Life Insurance brokers to know your options. Zero fees and zero obligations!
Women live 5 years longer, on average, than men. Planning your own retirement is crucial to living the life you want to live.... the way you want to live it. Call us, let's talk.
Funding a 30-year retirement will take financial planning prowess as you
juggle the effects of inflation, distributions, taxes, asset allocation, and
expenditures. Are you up to the task?
Funding a 30-year retirement will take financial planning prowess as you
juggle the effects of inflation, distributions, taxes, asset allocation, and expenditures. Are you up to the task?
Funding a 30-year retirement will take financial planning prowess as you
juggle the effects of inflation, distributions, taxes, asset allocation, and
expenditures. Are you up to the task?
A retirement plan is built on a set of assumptions that can't be validated until it's too late. One key to successful retirement planning is carefully setting assumptions and revising them often.
Proper financial planning critical for womenjolie111
A key goal of investing for retirement is making sure you save enough to make your money last throughout your lifetime. On this score, women may need to save more than men.
Funding a 30-year retirement will take financial planning prowess as you
juggle the effects of inflation, distributions, taxes, asset allocation, and
expenditures. Are you up to the task?
Robert Feinholz: The art of managing retirement assumptionsForman Bay LLC
Robert Feinholz: The art of managing retirement assumptions
A retirement plan is built on a set of assumptions that can’t be validated until it’s too late. One key to successful retirement planning is carefully setting assumptions and revising them often.
It’s good to understand Europe’s debt crisis and why it’s affecting
U.S. markets. Here’s an overview of how the European Union
operates, why the euro is in danger, and what the crisis could mean
to American investors.
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
what is the future of Pi Network currency.DOT TECH
The future of the Pi cryptocurrency is uncertain, and its success will depend on several factors. Pi is a relatively new cryptocurrency that aims to be user-friendly and accessible to a wide audience. Here are a few key considerations for its future:
Message: @Pi_vendor_247 on telegram if u want to sell PI COINS.
1. Mainnet Launch: As of my last knowledge update in January 2022, Pi was still in the testnet phase. Its success will depend on a successful transition to a mainnet, where actual transactions can take place.
2. User Adoption: Pi's success will be closely tied to user adoption. The more users who join the network and actively participate, the stronger the ecosystem can become.
3. Utility and Use Cases: For a cryptocurrency to thrive, it must offer utility and practical use cases. The Pi team has talked about various applications, including peer-to-peer transactions, smart contracts, and more. The development and implementation of these features will be essential.
4. Regulatory Environment: The regulatory environment for cryptocurrencies is evolving globally. How Pi navigates and complies with regulations in various jurisdictions will significantly impact its future.
5. Technology Development: The Pi network must continue to develop and improve its technology, security, and scalability to compete with established cryptocurrencies.
6. Community Engagement: The Pi community plays a critical role in its future. Engaged users can help build trust and grow the network.
7. Monetization and Sustainability: The Pi team's monetization strategy, such as fees, partnerships, or other revenue sources, will affect its long-term sustainability.
It's essential to approach Pi or any new cryptocurrency with caution and conduct due diligence. Cryptocurrency investments involve risks, and potential rewards can be uncertain. The success and future of Pi will depend on the collective efforts of its team, community, and the broader cryptocurrency market dynamics. It's advisable to stay updated on Pi's development and follow any updates from the official Pi Network website or announcements from the team.
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
Empowering the Unbanked: The Vital Role of NBFCs in Promoting Financial Inclu...Vighnesh Shashtri
In India, financial inclusion remains a critical challenge, with a significant portion of the population still unbanked. Non-Banking Financial Companies (NBFCs) have emerged as key players in bridging this gap by providing financial services to those often overlooked by traditional banking institutions. This article delves into how NBFCs are fostering financial inclusion and empowering the unbanked.
BYD SWOT Analysis and In-Depth Insights 2024.pptxmikemetalprod
Indepth analysis of the BYD 2024
BYD (Build Your Dreams) is a Chinese automaker and battery manufacturer that has snowballed over the past two decades to become a significant player in electric vehicles and global clean energy technology.
This SWOT analysis examines BYD's strengths, weaknesses, opportunities, and threats as it competes in the fast-changing automotive and energy storage industries.
Founded in 1995 and headquartered in Shenzhen, BYD started as a battery company before expanding into automobiles in the early 2000s.
Initially manufacturing gasoline-powered vehicles, BYD focused on plug-in hybrid and fully electric vehicles, leveraging its expertise in battery technology.
Today, BYD is the world’s largest electric vehicle manufacturer, delivering over 1.2 million electric cars globally. The company also produces electric buses, trucks, forklifts, and rail transit.
On the energy side, BYD is a major supplier of rechargeable batteries for cell phones, laptops, electric vehicles, and energy storage systems.
Exploring Abhay Bhutada’s Views After Poonawalla Fincorp’s Collaboration With...beulahfernandes8
The financial landscape in India has witnessed a significant development with the recent collaboration between Poonawalla Fincorp and IndusInd Bank.
The launch of the co-branded credit card, the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card, marks a major milestone for both entities.
This strategic move aims to redefine and elevate the banking experience for customers.
Exploring Abhay Bhutada’s Views After Poonawalla Fincorp’s Collaboration With...
RHanson_7seriouslifetransitionsahead
1. ADVISOR/CLIENT EDUCATION BRIEF
Get Ready for 7 Serious Life Transitions Ahead
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Most baby boomers will face seven key events in their last stage of life that
will color their finances and investments. Prepare for these events by thinking
about them now.
It can be dangerous to generalize about the baby-boom
generation, but there are seven key events that nearly Richard Hanson
everyone will face as they move through the last third of President
their lives. Unlike earlier, happier events such as getting
married, having children, and moving up the career ladder, RGH Financial & Insurance Services
some of these events may be anticipated with dread. For Phone: 949-489-1112
this reason many boomers may put off facing them. But
lack of preparation can make a bad situation even worse. rhanson@fwg.com
www.rghfinancial.com
Warning: the terminology used here is rather blunt.
1. Your parents will get old
If your parents are still living active lives, you will
have to face the fact that your parents will eventually
get old. You should start thinking about this now and
begin gathering resources so you won’t be at a com-
plete loss when your parents can no longer function
independently. There is nothing worse than to discov-
er that a parent has lost the ability to pay bills, make
nutritious meals, or seek proper medical care when a
little attention and advance planning can allow you to
step in before their parents harm themselves. Here are
some of the things you should begin discussing with
your parents:
Health status. As parents age and the possibility of
medical complications increases, make yourself aware
of your parents’ health status.
Long-term care. Every family needs to consider the
possibility that the parents may someday become
unable to function independently. What type of care
would your parents want? What plans have they made
to pay for it?
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3. IRA distributions. Whether you start these early 7. You will die
under a program of substantially equal periodic
payments or wait until you are forced to take Again, sorry to be so blunt, but you know it’s going to
required minimum distributions at 70-1/2, you will happen. Boomers seem to be somewhat more open to
need advice and counsel on how to plan out your contemplating their own deaths than their parents’
IRA withdrawals over your remaining life. generation, perhaps because they still see it as a long
way off.
Investment income. If you are used to receiving
Life expectancy. Go to the Real Age website (www.
regular paychecks from an employer, you’ll need to
realage.com), and take a test to find out your “real
shift your mind-set toward paying yourself. That
age” along with health tips that will help you “live
means carefully managing all investment accounts to
life to the youngest.”
ensure sufficient inflation-adjusted lifetime income.
Legacy planning. As they review their lives, boomers
6. You will get old are starting to consider legacy planning and ethical
Boomers can barely imagine it now, but like their wills. This life-centered approach to death can lead
parents, boomers themselves will get old someday. to some of the estate-planning tasks you should be
And they — and their children — will face the same executing now, including advance directives and wills.
issues you faced when your parents were getting
old. What types of assisted living arrangements
will you want to consider? How will you pay for
it? What can you do now to make this phase of life
more comfortable?
Another term that is commonly used under traditional
retirement and entitlement systems that boomers
tend not to relate to is “disability.” Definitions vary
depending on the program, but any boomer with a
chronic illness or condition may qualify for various
private or public disability benefits.
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