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All Natural Erectile Dysfunction Cure

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There is no such a disease that has a harder impact on mans life then erectile dysfunction. Your whole world collapses when you discover that you are not enough of a man anymore. To make it worse, men of all ages across the board are affected with erectile dysfunction. Sometimes, ED is experienced as early as late 20s. The men the most affected with this disorder are in their 30s and 40s. Being sexually dysfunctional after the age of 50 is considered by many to be a normal thing. But then on the other hand, why worry when erectile dysfunction can easily be fixed with a magic blue pill. Can it really?

To answer that, lets look at some facts, then you can decide for yourself if the blue pill really is what it says it is, or it’s just another Big Pharma deception skillfully imposed on mankind.

For the proper erection it is important to have good circulation and healthy nervous system, for the brain upon arousal to send the message for the body to start creating the erection.

When arousal commences, arterial muscle tissue in the lining relaxes, which increases the blood influx with blood that is high in oxygen.

Veins elasticity is needed for penis to sustain the erection, because veins constrict to prevent blood from leaving the cavernous cells.

The erection creating impulse sent from the brain then passes through erection nerves ( cavernous nerves ) situated right at the bottom of the prostate gland, and into the penis.

Hooray, the erection!

However this story in real life situation usually doesn’t finish with a happy ending but rather in a shameful failure. Obviously, a million dollar question is, what is the cause of erectile dysfunction?

Western medicine says that there are several causes of erectile dysfunction. They list as most common disorders, high blood pressure, cholesterol and enlarged prostate. To overcome all these conditions, and to achieve erection never the less, they suggest using drugs for erectile dysfunction, like Viagra, Levitra, Cialis etc.

Interestingly enough, very few want to know why these disorders happen to begin with. It seems that people are forgetting the simple fact that, to learn how to cure we must learn why it is there in the first place. So what is the cause of all these conditions, and then, what is the cause of erectile dysfunction?

The cause of any disease, dysfunction or condition is acidic body. Acidic body occurs when our lymphatic fluids become acidic because of the junk food or poor quality food we choose to eat.

Lets now take a look at each of these so called causes of erectile dysfunction and dismantle them one by one.

High blood pressure is nothing other then, our body trying to compensate for the lack of oxygen which happens when our diet is short on alkaline minerals. Shortage of alkaline minerals equals acidic body.

Cholesterol comes about because of the same reason, acidic body. Our body protects our blood vessels from the acidic lymphatic fluids so they wouldn’t burn, or even worse dissolve, by creating cholesterol as a protective layer. Here again the acidity is the cause.

Enlarged prostate is, like the conditions mentioned, noting other then a result of acidic body. Prostate becomes enlarged, inflamed or burned if you will by acidic lymphatic fluids. The erection nerves at the bottom of the prostate get stretched and rigid because of the same reason and they loose the ability to conduct the brain signal which is necessary to sustain the erection.

Now when we answered the million dollar question, what is the real cause of erectile dysfunction, lets answer another one, what to do to prevent erectile dysfunction or if you have one, how to cure it.

We must learn to eat an alkaline diet that is going to be rich in all alkaline minerals. These alkaline minerals, and only these alkaline minerals have the potential of neutralizing the body acids. Our pH of both saliva and urine has to be above 7.2 to permanently cure erectile dysfunction.

You should always look to supply your body with alkaline minerals through the natural foods in your diet. Alkaline minerals in natural foods are in ionic state and they are easily absorbed by the body. Rock minerals bought at your local pharmacy are nothing other then a waist of money, because these can hardly be absorbed by the body, if any at all.

Two foods that are your very best source of all alkaline minerals are black strap molasses and kelp. No other foods known to mankind can match the amount of alkaline minerals found in black strap molasses and kelp ( especially Ascophyllum Nodosum ).

To buy black strap molasses of top quality and top quality cold water kelp click here now.

For the rest of the folks who still believe in the magic power of the blue Viagra pill I suggest you look up what the ingredients are. To help you out a bit, all three, nitrates, titanium and aluminum are highly harmful and life threatening toxins. While you’re at it, check also if it says anything about, if it contained oxygen or alkaline minerals, because last time I did, there wasn’t any.

Alkalize or die early death.

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Source by Zoran Jovanovic

Views: 0

January 30, 2020
How To Start Marketing Your Business

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To new business owners, starting a business is often its own reward. They are thrilled to be able to be their own bosses, and to successfully get a business up and running. Often they are happy just to keep the dream alive.

But every business needs to grow. That doesn’t mean you have to reach out to a larger market – it means working toward increasing your share of the one you are targeting. This will keep your business healthy enough to survive obstacles such as tough economic times.

In order to keep moving forward, we need to market our businesses constantly. We need to dedicate a certain percentage of our resources to building our brand and reaching our target market. Here are some simple things you can do to help your business grow.

Have a clear picture of your target market.

Find out what types of people use the products and services you provide and respond to your business philosophies. If you’re not marketing to the right people, all will be lost.

Research, research, research.

Determine how to best reach your target market and what they expect out of your offerings. Study your competition carefully, and make note of what they’re doing right and wrong.

Choose your marketing channels wisely.

If your target market rarely reads, there’s no point in advertising in a magazine. Use what you’ve learned about them to find the best possible outlets for your message, and focus your marketing efforts there.

Give your advertising a chance.

Studies show that consumers require repeated exposure to a product before they will even consider buying. So don’t be surprised if one ad run doesn’t bring spectacular results. If you’ve done your homework and found a viable way to reach your market, run the ad at least two more times before you evaluate the results.

Take advantage of free publicity.

Sending out press releases and finding other ways to attract the media will give you high-quality exposure, and it won’t eat into your budget.

Keep track of the effectiveness of your marketing efforts.

If what you’re doing is working, you should be generating more revenue. Use some of that revenue to do more marketing. If it isn’t working, make adjustments and try again.

Sometimes you’ll have to take a step back with your marketing plans. But that’s not a sign you’ve failed. It’s a sign that you’re a smart marketer. Sometimes the market changes, and it’s up to us to monitor those changes and adjust our marketing plans accordingly. No successful company markets the same way forever. By evolving with our target market, we can make our marketing work better.

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Source by Jon Allo

Views: 0

January 30, 2020
3 Tips On Becoming A Forex Millionaire in 14 Months Starting With Only $100!

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You must be dreaming of becoming a Forex millionaire. Many new traders dream of becoming a Forex millionaire within one to two years but give up after a few months when they lose their hard earned money. The problem is most of them don’t have a trading plan. Well, if you sincerely follow the following trading plan, you can also become a Forex millionaire.

Becoming A Forex Millionaire Tip#1

First educate yourself about Forex trading. Most of the info is freely available online. Choose a Forex trading system that you think suits your personality and style. This Forex trading system should have a 60 days money back guarantee. This way, you can try that system and if it doesn’t work, you can get a refund. The right choice of your trading system is very important. You don’t need to rush. Read about the different Forex systems that are being sold in the market. Make a list of at least 3 best Forex systems. Make sure the Forex systems are easy to trade and don’t take more than 3-4 hours daily to trade.

Becoming A Forex Millionaire Tip#2

Test the best Forex system in your opinion on your demo account for one month. If you find the system difficult to trade, go for a refund. Choose the second Forex system in your list. After testing or two systems, you will find the system that works for you on the demo account and makes 100% return per month. Once, you have mastered the system on your demo account, it is time to trade live.

Becoming A Forex Millionaire Tip#3

Now, we are not going to trade live on a standard account right away. What we will do is deposit $100 into a micro account and trade micro lots with that system. Your aim should be to achieve a return of 100% or more every month. When you trade on a micro lot, 1 pip is equal to 10 cents. So, losing 10 pips means losing $1. However, if you lose 10 pips on a standard lot, you lost $100 plus you need at least $1000-$2000 to trade with a standard lot.

What we will do is try to double that $100 in one month. This means making a return of at least 100% in one month. Losing 100 pips on a micro account means only losing $10. So, you are safe when you trade on a micro account. Test a system on the micro account and if it doesn’t make 100% return per month, get a refund and try the second best system in your list.

Once, you find the system that makes 100% return on your micro account, it will make your $100 into $200 by the end of second month and that $200 into $400 by the end of the third month.

Now you need to switch to a mini account as you want your trading risk to become more realistic. 1 pip on a mini account is equal to $1. With that same trading system now turn that $400 into $800 by the end of the fourth month and that $800 into $1,600 by the end of the fifth month.

Don’t rush. These five months are going to teach you a lot on how the Forex markets change and how your trading system performs when the market conditions change and you will also know whether your broker is good or not, what leverage to use and how to manage the risk. Now, you got $1,600 in your account, you can switch to your standard account and start making 100% return per month or more. Do the maths, you will be a millionaire within the next 6 months.

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Source by Ahmad A Hassam

Views: 0

January 30, 2020
Effective Working Capital Management and Optimal Synchronization of Cash Flows

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How do firms choose their operating cycle? How do firms choose their cash conversion cycle? What is the impact of firm’s operating cycle on the size and periodicity of investments in receivables and inventories? How do seasonal and cyclical trends affect firm’s operating cycle, cash conversion cycle and investments in current assets? These strategic policy questions relate to optimal cash flows synchronization and effective working capital management designed to maximize the wealth producing capacity of the enterprise.

In this review, we will examine some pertinent and extant academic literature on effective working capital management and provide some operational guidance to small business enterprises. The shorter the cash conversion cycle, the smaller the size of the firm’s investment in inventories and receivables and consequently the less the firm’s financing needs. Although setting ending cash balances is, to a large extent, judgmental, some analytical rules can be applied to assist effective formulation of better judgments and optimize cash flow management.

As you know, a correlate to cash is net working capital. Net working capital is not cash but the difference between current assets (what a firm currently owns) and current liabilities (what a firm currently owes). Current assets and current liabilities are firm’s immediate sources and uses of cash, respectively. Clearly, a firm’s ability to meet its current financial obligations (bills due within a year) depends on its ability to manage its current assets and liabilities, efficiently and effectively.

Effective working capital management requires the formulation of optimal working capital policy and the periodic management of cash flows, inventories, account receivables, accruals and account payables. And because poor working capital management can severely damage a firm’s credit worthiness and limit its access to money and capital markets, every effort must be made to minimize business default risk.

The significance of liquidity cannot be overemphasized. In addition, anything that adversely impacts a firm’s financial flexibility degrades its ability to borrow and cope with unexpected financial hardship. A firm must preserve its ability to react to unexpected expenses and investment opportunities. Financial flexibility derives from a firm’s use of leverage as well as cash holdings.

In practice, optimal working capital management includes effective cash conversion cycle, effective operating cycle, the determination of appropriate level of accruals, inventories, and account payables and the attendant funding options. Working capital policy impacts a firm’s balance sheet, financial ratios (current and quick assets) and possibly credit rating. Critical to efficient firm’s working capital management is a good understanding of its cash conversion cycle, or how long it takes for a firm to convert cash invested in operations into cash received.

The cash conversion cycle captures the time passed from the beginning of the production process to collection of cash from the sale of the finished products. Typically, a firm purchases raw materials and creates products. These products go into inventory and then are sold on account. Once the products are sold often on credit then the firm waits to receive payment, at which point the process begins again. Understanding the cash conversion cycle and the age of account receivables is critical to successful working capital management.

As you know, the cash conversion cycle is divided into three parts: the average payment period, the average collection period and the average age of inventory. The firm’s operating cycle is length of time from the receipt of raw materials to the collection of payment for the products sold on account. The operating cycle is therefore the sum of the inventory conversion period (the average time between when raw materials are received into inventory and product is sold) and the receivables conversion period (the average time between a sale and collection of the receipt). Note that the operations of a merchandising enterprise involves purchasing (the purchase of merchandise), sales (the sales of products to customers, and collection (the receipt of cash from customers).

Some Operational Guidance:

There is gathering empirical evidence suggesting that effective working capital management begins with assessment of operating cycle and optimizing cash flows from firm’s operations. Management must know, understand and anticipate the impact of cash flows on firm’s operations and its ability to maximize the profit producing capacity of the enterprise. Effective cash management is critical to the success of a business enterprise. It is all about cash flows.

One of the best ways to increase cash availability is to accelerate the receipt of incoming payments by reducing the age of account receivables using appropriate mix of incentives and penalties. A firm must evaluate current payment processes and identify effective options to expedite collection of account receivables.

There is strong evidence suggesting improving payment processes and moving to electronic alternatives will maximize liquidity and better manage costs of receivables. Liquidity is critical to the success of every business enterprise and effective cash management is the core of liquidity. In practice, a careful analysis of cash flows and assessment of investment strategies and policies is required to ensure that a firm has appropriate tools needed to maximize firm’s liquidity, and optimize cash flow management.

A firm optimizes cash flow management in its operating cycle by rationalizing-streamlining and improving the ways it manages the inflow of cash receipts, makes outflow cash payments and minimizes the age of account receivables. A firm needs digital records, electronic banking, robust internal controls and agile accounting systems for quick reconciliation of bank statements through timely access to bank accounts, customer records; and synchronizing cash flows, accounts payables, and accounting systems for increased efficiency.

Best industry practices include analyzing cash flows monthly to determine ending cash balance (the difference between total cash inflows and total cash outflows). The goal is a rising or positive periodic ending cash balance; Monitoring customer balances to manage account receivables (money owed to the firm from customers); and appropriate pre-qualifying processes before extending credit to customers is essential to minimizing incidence of bad debts.

A tracking system that monitors outstanding receivables and sends automatic reminders, invoices and statements is a useful tool. Some firms use factors by selling their receivables to factoring companies to ensure steady cash flows; Slowing down cash disbursements: Prudent cash flow management dictates that a firm retains cash as long as possible. Optimize cash flow management by paying on time while utilizing all accommodations consistent with the calculus of financial advantage. Finally, borrow long and lend short and time large expenses by setting aside small amounts to fund large expected expenditures. Always remember that long term liabilities become current liabilities in the accounting period in which they mature.

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Source by James Gaius Ibe

Views: 0

January 29, 2020
Why Men Won’t Marry And Go Their Own Way

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I am fascinated by the number of women who complain that there are not any good men out there for marriage and the number of men who go their own way (MGTOW).

As I was doing research for one of my books, I learned something absolutely astonishing. I learned that both men and woman are more educated in the area of preparation for an occupation that we are to successfully choose and marry a mate for the next forty years. Why is this important? Many people who get into relationships and get married haven’t an accurate idea what they are getting themselves into. They are not educationally equipped with the tools that they need to have a healthy relationship. Even worse, due to the emasculation of men and manhood displayed in media, the court system, films, Human Resource policies, etc., there is no benefit to men for being men.

More now than ever, schools and colleges are feminine-centric. The Judeo-Christian model of marriage where the roles of traditional marriage are not equal is frowned upon by the feminist movement. That said, how can a man see marriage in today’s society as a benefit? Most times he is not fully appreciated for all that he does. He is expected to work his whole life for his family and suddenly his wife decides to leave, causing him to lose all that he has invested in and worked for?

Women are taught that they need to have high standards for the man they are supposed to marry. However, are they emotionally ready for marriage? It is clear that both men and women are not likely to have read a good relationship or communication book to prepare themselves for a healthy relationship. Men often complain how women can sometimes be “drama queens,” are selfish and want to be the center of attention. Some men also report that women are not steeped in bringing much to the table beside the sexual relationship which women tend to use to manipulate men. Men like companionship and women who like to share their time doing the things men like to do. Men love to be respected. They like women they can trust, are considerate but often say that they find these things lacking.

Men who go their own way do not have to bear the risk of being decimated, financially, emotionally and physically. They can live a more peaceful, drama free life. They often will date, but will not marry again. Men want a relationship, but many men and women are unprepared. So how can this dynamic be improved?

I believe that educating ourselves as to what a healthy relationship is supposed to be is critically important. Statistics reveal that the total percentage of college graduates that will not read another book after graduating college is 42%. For High School graduates it is 33%.

Education is essential concerning relationships. Imagine what a difference it would make if 1/3 of our formal education included relationship skills? I submit that the result would be couples better prepared for relationships. That said, reading and practicing what is learned, would improve not only the quality but the longevity of a relationship. Realizing that “being” the right person who is prepared for a relationship versus “finding” the right person could change the dynamic of the lack of available marriage eligible men and women.

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Source by Johnn Williams Jr.

Views: 0

January 29, 2020
What’s The Difference Between Direct Sales And Network Marketing?

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My purpose and commitment is to really help you understand and appreciate the MLM industry. One of the things you need to know when shopping for a business opportunity that is built on the multi-level marketing format, is not only how these businesses work but which one will compliment your skill set, personality and area of expertise.

The Difference Between Direct Sales and Network Marketing

Direct Sales and Network Marketing are both based on the multilevel marketing business model. MLM or Multilevel simply refers to the business structure in which the compensation plan is mapped out. The Direct selling and Network marketing vehicle is the actual distribution system or the way the products are dispersed.

With Direct Selling, the emphasis is usually on direct, person-to person product distribution, which typically involves the independent sales representatives earning a commission from the products that they sell directly to the customers.

The usual way of getting their products out to the masses or finding customers is by hosting product parties, trunk sales, booths and etc., by way of their circle of influence. Advancing in rank is dependent upon the volume of products sold.

In some companies you can recruit other people to hosts parties in which they would be offered a discount on the products for hosting that party and also earn free products if they sell a certain amount of merchandise.

This is important to know if happen to be a really good sales person or if you hate the thought of selling in this way, when choosing a mlm company.

Some examples of Direct Selling companies are:

Avon, Natura, Vorwerk, Herbalife and Mary Kay

Now with Network Marketing, the emphasis is on team building. Building a team of partners who are in agreement to use the company products in their household as well as share products with others outside of their network.

You are basically the customer as well as the business owner and you are able to sponsor, support and train others who want to build a business of their own. So the importance here is on building an organization of like minded individuals who use and move product within and outside their network.

In network marketing, you also have the flexibility to host product parties or have a booth, etc., in order to promote your products if you so choose. You are the business owner, not just a sales representative so you have the power to run your business as you see fit.

This model is a great if you love networking, team building and training others.

Some examples of Network Marketing companies are:

Sisel International, Vemma, Amway and Visulas.

Some direct sales companies also incorporate the network marketing team building model as well depending on the compensation structure, so make sure to do your research.

Understand that the purpose of both models is product distribution, but, it’s the way the distribution happens and the way you, the marketer, gets compensated, that makes the difference.

On a side note, steer clear of companies that don’t have a product OR they have a limited product line that offers little to no value to the public.

End the end, the difference between direct sales and network marketing is fairly minimal. Both serve as an opportunity for the ordinary individual to build their own business, delivering quality products to the masses in a less expensive and more personal way.

By eliminating the middle men; expensive advertisers and merchandisers, the network marketer and direct seller can create residual/ passive income from home with less time, less money and less hassle than the traditional business model.

So Tell Me…

Have you ever owned a network marketing or direct sales business?

What did you like or dislike about it?

Did you find it too challenging? If so, tell me why.

I would love to hear from you!

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Source by April Ray

Views: 0

January 29, 2020
Timeshare Sales Techniques – The Statement of Intent

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The statement of intent is an excellent sales tool for establishing a number of things right at the beginning of your sales presentation. Firstly and most importantly it is used to calm your clients down and make them feel more comfortable about being on a Timeshare or Holiday Club presentation.

Once you have collected your clients from the reception, have them seated correctly in the warm up area and ordered their drinks, you should give them what is known in the Timeshare Industry as “The Statement of Intent”. Or “Breaking of the pact”

Your clients are probably very nervous, either because of a past personal experience on a Timeshare presentation, or because of all the bad press and warnings they have read or heard about what happens when you attend a Timeshare sales presentation.

The easiest way to alleviate their fears is let them know exactly what is going to happen during their presentation. People only fear the unknown. So if you let them know what to expect and in what order. They will normally calm down immediately.

A good statement of intent should go something like this:

“Ok John and Mary, while we’re waiting for our drinks to arrive let me tell you exactly what’s going to happen while you’re with me here today”. “Firstly I’m going to ask you to help me with a brief holiday survey about where you’ve been in the past, where you would like to go in the future, and what you’ve liked or disliked about some of the holidays you’ve taken in the past. It’s a very important part of my job as the information people like you give us, help my company to keep up to date with the ever changing holiday trends and stay ahead of the competition, then I’m going to show you around the resort and you will see why we now have so many members in my holiday club and you’ll realise the benefits that my members get from being part of such a large and well established holiday company, at the end of my presentation you will be given the option of either saying no thanks, in which case I will make sure you get any gifts you have been promised and a taxi back to your hotel, or you can choose to join the other thousands of families who said yes and are now enjoying the many benefits of being part of my club and I will make sure my manager is available to sort out the best possible deal at the best possible price, either way the choice will be yours.” “All I ask is that you allow me to do a full presentation and answer all your questions before you make your choice.” “Is that fair enough?”

Now get all parties to agree and shake all their hands. At this point you must confirm that they are OK for time, that they’re not rushing of to meet any one in half an hour and they haven’t left Grandma alone on the beach in full sunshine.

Apart from relaxing your clients and making them more open minded, you will have also got rid of the time problem. If they start pushing you to speed things up you can just remind them that they agreed to allow you to do a full presentation and you shook hands on it.

Your clients will have agreed to give you at least ninety minutes. It’s up to you to turn that ninety minutes into a three hour presentation that ends in a deal!

They won’t even notice the time if you, entertain them, win them over, and close them using the “Simple Selling Skills” you’ll be learning when you keep dropping by my site on a weekly basis.

See you next week.

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Source by Alan Roy Hocking

Views: 0

January 29, 2020
Terminal Wealth Dispersion, Life Expectancy and Individual Retirement Accounts

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Terminal wealth dispersion is the technical term that describes the variability of the future value of investment portfolios. This inevitable variability means that no one knows what the value of their investment portfolio will be when they reach retirement age or at any time during their retirement. And the uncertainty of individual’s life expectancies compounds this problem.

Hedging against the risks associated with these two factors places an onerous burden on individuals. Although this hedging could result in a very comfortable retirement, if one can afford the hedge and their timing is right, the potential downside risk is so great that it may be deemed unacceptable by many individuals. So one has to ask “Do individuals really prefer to forgo a sure but modest retirement income and play the odds with their retirement savings in hopes of being very well off in retirement?”

With individual accounts, individuals lose the benefit of the pooling of risks. The two risks that force individuals to over-save are investment risk and the risk of living beyond the average life expectancy. In both cases the outcomes, terminal wealth and life span, are highly variable. When the risks are pooled for a large number of individuals over many overlapping life spans, the average outcomes are highly predictable, which is what makes traditional pension plans work so well.

Traditional pension plans exist, for all intents and purposes, in perpetuity. This being the case, they can build reserves during good times in the financial markets and weather the bad times, thus enabling them to make consistent payouts to retirees regardless of the timing of their retirement. Unfortunately, individuals do not get to choose their holding periods or the years of their retirement and must take whatever comes along, and what comes along might be good or it might be bad. Thus individuals must set savings goals that are sufficiently high to hedge against the risk of the average return of an investment portfolio over its holding period falling well short of that which would be expected very long term.

The relatively short duration of individual’s holding periods leave them very susceptible to the effects of market cycles, which are notoriously unpredictable in amplitude and frequency. Being broadly diversified mitigates this risk but does not eliminate it, as it’s entirely possible for a worldwide bear market to occur during one’s holding period. Then at the end of the holding period for wealth accumulation, a second holding period begins, which will be the term of retirement, and this second holding period carries the same risks as the first, but at a time in life when there is no source of income to make up for portfolio under-performance.

The other component of risk that individuals must hedge is the risk represented by the uncertainty of one’s life span, which means that individuals must aim even higher when setting their savings goals. The managers of large pension plans can depend on retirees living on average for only the average life expectancy of employees who reach retirement age. The average life expectancy for someone who reaches the age of 66 is currently 82 years, and 66 is currently the age when workers are eligible for full Social Security benefits, which makes it a reasonable baseline. Based on those assumptions, the average term of retirement would be 18 years and pension plans should only have to be funded to the extent necessary to cover the cost of this average term of retirement.

Individuals, however, don’t know how long they’re going to live, so they must over-save to ensure that they don’t run out of money before they run out of time. This need to over-save is independent of the first need, thus the need to over-save is compounded, i.e., an individual needs to save enough to cover the cost of living well beyond the average life expectancy and the targeted amount of savings at retirement age must be great enough to ensure with a reasonably high level of certainty that the actual amount on hand at retirement is at least the bare minimum necessary to get by on.

A popular estimate of the term of retirement for which individuals must plan is 30 years. Saving enough to cover the cost of a 30-year retirement is a much greater burden than saving for an 18-year retirement, but planning on a shorter retirement exposes individuals to tremendous risk. It also exposes taxpayers to tremendous risk, as individuals who outlive their savings will undoubtedly require some form of public assistance to make ends meet and are likely to become wards of the state when they become physically incapable of caring for themselves.

An individual who bases their retirement saving on living to the age of 96 but only lives to be 82 will have forgone a lot of pleasures in life, such as travel, fine dining and better vehicles, that they could otherwise have enjoyed. But many individuals just don’t have the level of income required to support the saving rate necessary to amass the wealth required to hedge against the downside of terminal wealth dispersion and the possibility of living well past the average life expectancy. For them it’s not a matter of forgone consumption, it’s a matter of going through life with the knowledge that they are likely to spend their golden years living in abject poverty and that that will be their reward for 40 or 50 years of hard work. And it gets worse!

Some economists now believe that within 15 years or so, given the current rate of health care inflation, 100% of Social Security benefits will be spent on medical expenses: Medicare Parts B and D premiums, copayments, uncovered expenses and medigap insurance premiums. If that becomes the case, anyone without substantial savings or a defined benefit pension will be looking for public assistance the day after they retire. Although this is probably a worse case scenario, there is a general consensus that individuals retiring today will need to set aside approximately $180,000 for medical expenses not covered by basic Medicare.

With the situation already at this state, adding private Social Security accounts to the mix would be like throwing gas on a fire, as individual Social Security accounts carry the same risks as other individual retirement accounts. Those who have tried to kill Social Security since its inception find private accounts very appealing. But, not so coincidentally, most of them seem to be in the enviable position of not needing Social Security to support their retirement. More recently, younger workers, too, have come to oppose Social Security, but not for the same reason as the traditional opponents. Young workers may be crushed by the growing burden of Social Security and may never receive any benefits from the system. Those who oppose Social Security simply because it’s a social program should be expending their efforts on reforming it rather than killing it.

If Social Security had been managed like a pension plan rather than the ilconceived system it is, with today’s workers paying for yesterday’s workers’ retirement, its current situation wouldn’t be so dire. Indeed, it might very well be a fully funded, functional system. CalPERS and other large public employee retirement plans have operated successfully for decades, with success being defined as being able to meet their obligations, not having an adverse effect on the financial markets, no scandalous events attributable to malfeasance by the plans’ sponsors and being free of influence from elected officials. There’s no reason that Social Security can’t also be managed in such a manner. It would literally take an act of Congress to do this, but the hardest part for Congress would be letting the system run without their interfering with its operation.

Passing off the burden of retirement to individuals was a great deal for corporations but it’s a very poor deal for most individuals, and extending individual accounts to include the Social Security system would only make a bad situation worse. It’s not a poor deal for all individuals because there will be some who can afford to save a substantial portion of their income and whose holding periods will coincide with bull markets, thus putting their wealth in the upper range of their terminal wealth dispersion, and who also live a long, healthy life. They will be the ones who benefit from over-saving and living beyond the average life expectancy, but they may end up forfeiting a portion of their wealth in the form of taxes to support the less fortunate. I don’t believe that is what the public expects from a well-conceived system.

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Source by Mike Kennedy

Views: 0

January 29, 2020
Quick Guide to Build Good Habits and Break Bad Ones

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Most of us find ourselves doing something that people wish we’re able to stop. Bad habits can certainly become elements of our lives, keeping us back, or annoying us (and our family members).

Here are quick guides to build good habits and break bad ones:

Identify The Habit You Need To Change First

You have to notice your unfavourable habits first. You must first notice that you have a habit that you would like to improve. If you really know what that habit is, then you can deal with it. Most of us already have lots of cons that we wish to change. Don’t make an effort to attack everything simultaneously, though. Prioritize your bad habits, and choose the one to give attention to first.

Take Small Steps

Depending on the habit involved, small steps might be needed to be taken to be able to succeed. While some individuals are lucky when they quit smoking frosty turkey, not everyone succeeds with this technique. They could need to step back by smoking lesser cigarettes each day, or looking for other ways that could help them step back little by little. Also, in a situation whereby you wish to stop watching TV. In the event that you are being used to watching 4 hours of TV every night, it will be hard just stopping. You will need to reduce 1 hour out of the time at first. Make your changes little by little, but surely in a manner that is manageable for you if you need to help make the changes in your daily life “stick”.

Substitute Bad Habits With Good Habits

You’ll be more successful if you substitute a bad habit with a good habit in most cases. Many number of people replace smoking cigarette with gnawing sugar-free gum. If you want to get over a bad habit, it’s vital that you look for a good habit to substitute it with. Slowly but surely, the good habit can be your normal habit and the bad behavior will disappear.

Try a Challenge

Most times, it benefits to truly have a challenge when you really wish to get rid of unfavourable habits. Get one of these weeklong a challenge to start out, to see if you can do something different for a whole week. Afterwards, you can extend the challenge. Another strategy is to have a thirty-day challenge. They state that it takes twenty-one days to build up a habit, so a thirty-day challenge should help you substitute your unhealthy habit with a good one.

After Success With One Habit, Tackle The Next

Once you’ve acquired success with one habit, move to another on your list. Be sure you recognize your good endeavors and then consider what other bad habits you need to get gone. The fact that you have previously been successful once is likely to increase your self-assurance in your capability to move to the next habit, allowing you to substitute it faster than you did the previous habit. If you can continue with this exercise through your list such as this, it’s likely you’ll find that you truly can substitute the majority of your bad habits with good and change your overall life for the better.

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Source by Reshali Balasubramaniam

Views: 0

January 28, 2020
Advantages And Disadvantages Of Living In Apartments And Villas

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Today, villas are becoming very popular. As opposed to the space you get to enjoy in a villa, residing at an apartment can be very restrictive, most especially when you have kids. Property experts emphasized though that living in both have their own pros and cons. By being aware of these pieces of information, you can decide if buying a villa instead of staying at an apartment in a hotel is a smart decision or not.

Living In An Apartment

Certainly, security is better if you choose to live in an apartment. A non-resident individual can’t just enter in an apartment building. Neighbors will also be very close to know it something bad is going on and can quickly call the police. When it comes to water, gas, and electricity, life will be a lot easier. These things will be provided by the building. Maintenance will also be stress-free due to the fact that the real estate owner is responsible for the building’s upkeep. In case there will be a park where your family and friends can spend quality time in, it is likewise the building owner’s responsibility to keep it clean and damage-free. Most importantly, you will get access to important facilities.

On the other hand, maintenance costs can be very expensive – this will depend on which building you bought the apartment in. Since you have nearby neighbors, your conversations may possibly be heard. But you can always make your apartment soundproof. You may also have a limited space. Moreover, expansion is not possible because if you purchase an apartment, the area you have invested in is fixed. Of course, you can’t just break down a wall if you want to make your area more spacious.

Buying A Villa

If you choose to buy a villa, you will get to enjoy freedom. You will not feel like you are a prisoner inside. This further means that your movement won’t be limited. In fact, you can expand if you really want to and decorate your room with whatever design you prefer. Moreover, you can have a garden in your yard. A garden will make your property more beautiful. If not, you can choose to install a swimming pool in your yard if it does not have one yet. Lastly, a villa will certainly make you appreciate what a real home feels like.

On the contrary, security is not tight if you live in a villa, most especially when you are away. Apart from that, you will also need to pay for facilities, and manage gas, electricity, and water by yourself. Most importantly, the location might be a bit hassle to you if you are working within the city.

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Source by Brian E Bell

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January 27, 2020