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Hi everyone, Vince Oldre, certified financial planner. And I want to talk to you why mutual funds can be bad for your retirement. Now not all mutual funds are bad. But some could be bad for your retirement. And before we understand why they might be bad, we also have to understand how mutual funds became in existence to begin with. Now mutual funds started because people like you wanted to invest in the market, but you didn't have a lot of money to be diversified. So if you only had $100 to invest every single month, it was pretty hard to diversify amongst thousands of different stocks. And that's where the mutual fund was giving you the ability to do that.Hi everyone, Vince Oldre, certified financial planner. Why Mutual Funds Can Be Bad

A lot of these retirement calculators that you can use online, they make too many assumptions. A lot of them use fixed rate of returns, and if you were around, which I assume you were, in 2001 and 2008, you would know that the market doesn't just go at a fixed rate of return at 8%. There are going to be bumps and hills along the way. That's why when you use too simple of a calculator, it may give you a false sense of security. Make sure when you're using a retirement calculator it's not going to be too simple. Minneapolis Financial Planner That's why you need to also point to other factors, like social security. The reason why a lot of these other retirement calculators do not work is because they don't actually look at your overall plan. I'm not just talking about the free ones you can use with your 401(k) plans, but the ones that even that some financial advisors use aren't going to look at everything like social security. The benefit with some of these financial retirement calculators is they will actually put your social security calculations in with your overall retirement plan. If you are going to be using one, make sure that you use one that's going to have that social security ability to plug into your overall retirement plan. Minneapolis Financial Planner

pulley distributor Canada We carry a wide assortment of Browning products. We've got the standard you know, three-piece pillow blocks, the rubber bearings inserted to go in any of the blowers that are direct drive or belt drive, and we've got the standard cast-iron style pillow blocks in all sizes, from 5/8 of an inch up into 2 and 3/16. Then we get into our pulleys, which we've got the B type fixed pulleys we've got the adjustable pulleys from 2 1/2 inch right through to the 7 inch adjustable, double groove and single groove. And part of the reason why I like the Browning pulley, it's the best: one, they're easy to adjust; two, they've got these little pieces fixed into their cast, which helps keep these pulleys ventilated. So, when this is turning at 1725 RPM it helps to keep your belt cool as well. So, it keeps the belt cool- longer-lasting belt, longer-lasting pulley. So, any of you pulley or Browning needs, come to Snowdon. We can take care of you.

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Edison Fuse Distributor Hey, guys. This is Mitch from Snowdon, and I just want to talk about our Edison fuse line. Edison Fuse Distributor We've got a complete line of fuses. We've even got the car fuses now that you're finding in a lot of different units, fast acting, slow blow, time delays, all the different types. Just brought a few of them out here. Edison Fuse Distributor We've also got fuse holders, so any of your fuses or any of your fuse needs, why don't you give us a call or come on down to Snowdon. We'll take care of you. My name's Mitch, and if you have any questions about our videos, our training seminars, or products, feel free to give me a call anytime. My number's below. Or, sign up for our training seminars. Looking forward to hearing from you.

What is Retirement Income Planning We now have to figure out how to distribute all these assets that you've now accumulated. The basis of retirement is that you cannot have a retirement, or you cannot retire without income. That's why income planning is all that more important in retirement. There's three things, or three levels that I believe that you need to have when it comes to your income planning. One is you need to have the income to maintain your lifestyle. I know most of you, if you are a baby boomer, or a pre-retiree, or someone that's already retired, you want to make sure that you can have that same amount of income that you've been able to have throughout your entire life. What is Retirement Income Planning That way, you can maintain your lifestyle and do the things you want to do, still gift to your grandchildren, or you children and do those trips that you like to do, maybe travel the world, or golf. It's important to have that income when you retire to maintain your lifestyle. I hope, for everyone that's watching this video, is able to maintain their income, or maintain their lifestyle when they retire. What you need to do to make sure you can have enough income is first understand how much you are spending. Believe it or not, a lot of you do not know how much you're actually spending every year.

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The speech that Mr. President gave at White House Correspondent's Dinnershowed that he really has agood sense of humor about his Obamacare.