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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.

Here are 10 ways to identify if you are making the right decisions and working with the right people: 1. They are 'YES' people, 2. You get no input into the house design or changes, 3. Social proof, 4. You get no choices when it comes to where you live and what you buy, 5. They are rushing you into a contract/making you sign on the first meeting, 6. They don't talk to you about your finances, lifestyle habits, and what you can afford in mortgage repayments, 7. The only reason you are working with them is they are nice people or you know them, 8. You are having to fix their mistakes, 9. They've never had any issues, and 10. Your gut feel! Whilst I admit now is the perfect time to purchase your own home and in fact, is a once in a lifetime for a lot of families, however, that does not mean you should be rushing into it or making the wrong decisions. Do your research and ensure whoever you choose to work with is making the right decisions for you and your family.

Hi. I'm Vince Oldre, certified financial planner. I want to talk to you about one of my favorite subjects, which is social security and help you figure out what the best way to take social security is. Now, social security is very complex so I'm just going to go over five things here today. But if you do want more help, please feel free to reach out to me. I'm more than happy to help you. Hi. I'm Vince Oldre, certified financial planner. I want to talk to you about one of my favorite subjects, which is social security and help you figure out what the best way to take social security is. Now, social security is very complex so I'm just going to go over five things here today. But if you do want more help, please feel free to reach out to me. I'm more than happy to help you. I do have our 25 secrets to maximizing social security that I'd put together and it's a free download if you want to go to our website to make sure you can download it. I'll put a link here on the video to make sure you can download my 25 secrets to maximizing your social security as well. One of the first things I want to talk about is when it comes to social security is make sure you're basing your social security on your overall retirement plan. You don't want to look at social security all on its own. You want to make sure that you're looking at social security with your overall retirement plan and that's because there are a lot of things that when it comes to your retirement plan that it can affect what your social security looks like, such as taxes, what your survivor check or your survivor income might look like if you're married, what the income will look like as far as your guaranteed income sources, and whether or not you have enough money to make it out to maximize your social security.

I want to talk to you about a recent article I just read about a financial advisor stealing their client's money. I want to make sure that you can avoid those same problems. We already know about Bernie Madoff and the issues that he's caused through all the ponzi schemes but they still exist today and you really do have to watch out for yourself. There's a recent article talking about a gentleman in Minnesota that stole about a million dollars from his clients over the last two years which is a lot of money. One of the things that he did is he basically took the money, put it into his own checking account, and he used it. Well even one scenario, he took $100,000 from a client, turned it around and went and bought a Maserati. This is a really, really nice car. How To Avoid Financial Fraud I want to make sure you can protect yourself from those same potential problems. There's some things you can do to make sure you will avoid those issues. The first thing to do is do a broker check or make sure they are a registered investment advisor or an investment advisor that is registered with the securities exchange commission. What you can do is you can go to brokercheck.com. At brokercheck.com you can enter in the person's name or even their firm to make sure they are registered. Another good site to go to is investor.gov. It does basically the same thing that brokercheck does and even while you're there, you can see what type of report will come up as far as if they have any blemishes, if they have any problems in the past, are they an advisor that has a lot of disputes. Right there will give you a lot of information but also some red flags. If they are not registered as an investment advisor though the securities exchange commission, they're not allowed to do any trading of stocks, bonds, mutual funds, exchange rate funds and really they're not allowed to give you much financial advice.

Justin Paperny: Hi everyone. I'm Justin Paperny with White Collar Advice, and I'm pleased to welcome my friend and colleague Michael Szafranksi to the program. Hey bud. Michael S.: Hey Justin. Justin Paperny: Let's jump right in with your experience through Miami Federal Prison Camp. You wrote a guest blog on the White Collar Advice site. I'm going to put up a link to the blog, but in that blog, you said, "Miami is different than a lot of another federal prison camps." Miami Federal Prison What did you mean? Michael S.: Well, Miami itself just outside of the world of prison sort of operates on its own set of rules. It's certainly South America within the United States. On top of that, when you get to the prison itself, you're a population that is less white collar than many of the other prison camps plus the fact that it's attached to a low security prison means a lot of inmates transition relatively early on from the low to the camp, so you have a population that's different, and as a result of that, you have different stringencies imposed on the inmates by staff. Justin Paperny: Okay, so we'll get into those stringencies in a minute. Let's first talk about how you got to the federal prison camp in Miami. The majority of my clients, our clients, self surrender to prison, but on occasion, they're remanded to custody in part because of the case or the judge. Tell us how you actually got to the federal prison camp.

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

Society is run by the rich, those who don't know it or believe it simply don't understand the way things work. The ONLY WAY to adjust this paradigm is to become your own boss. Working for someone else will NEVER MAKE YOU TRUE WEALTH, its as simple as that. You can put in 16 hour days 7 days a week for years and can still make 100k a year, or sometimes even less How hard you work is NOT directly proportional to how much you make when you work for someone else, anyone who has worked in a corporation knows there are people who work harder and those who do less, and their wages do not reflect that in a linear fashion... When you work for yourself how hard/smart you work is EXACTLY proportionate to what you can create and earn, and this is a beautiful thing for the hustler... Society and the government and our upbringings too often program us to believe that the proper way to grow up is to go to school get grades go to college and get a normal job While this path works for some, entrepreneurs know from an early age they need something different, they NEED to break apart from the average and create the life of their dreams

Welcome to Wishes Ready! Birthday is the most important day of a person's life.For me,it's my favorite day and whenever it's my friend's birthday,I try my best to wish them in a special way through a beautiful,awesome and brilliant happy birthday greetings video clip animation.I made this birthday wishes for you so that you can wish your loved ones their big day and if it's your birthday then this video is for you. Birthday wishes should be colour full. You'll love this Colorful Happy Birthday Wishing Video because it has many colours,effects,balloons.It's your big day so make a wish,I pray that May God bless you with everything you wish for.You get success,prosperity and love.

Hey guys, Mitch here at Snowdon. I want to talk to you about US Motor's version of the ECM. They call this the rescue select, which basically, it's really cool, because you could take your X-13 ECM motors, whichever brand you have, whether it's a Carrier, Lennox, Trane, any brand out there. Get back to us with the part number. EMC Motor Distributor canada Then, what we do is we go through a website. We use this rescue select programming tool. We plug it in to the motor, and then basically what we can do is we program the motor so it's exactly the same as your original motor. The specs are identical and it will roll at the speeds that you need so you get your energy savings.

Amazon FBA Ninja Course | With so many options out there for Amazon courses, how are you supposed to know which is the best? Which teacher will actually respond to you and care about you? How will you know that the Amazon Course is the best FBA ninja course available anywhere? Look at the reviews! Take a look on our Facebook page, and on youtube, and the NUMEROUS student success stories we have already had, do you want to be our next student success story making 1,000 dollars a day? Amazon FBA Ninja Course - ThatLifestyleNinja The Amazon Course offered by ThatlifestyleNinja is taking over the Amazon FBA Course scene, and for good reason! The Ninja FBA Course goes so much deeper than any other available courses, some of whom are charging up to 4000 dollars for very simple material that doesn't help anyone achieve the next level of being an Amazon FBA Seller Amazon FBA ninja Course review and a deeper dive by ThatLifestyleNinja! The Ninja FBA Course is the best available - come find out why the Kevin David Amazon FBA course is the best course for Amazon FBA!

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

With SO many guru's and shopify courses out there how are you supposed to know which is best, and which mentor to listen to? How do you know which teacher will actually respond to you and care about you? How do you know that the Shopify Ninja Masterclass is the best course on Shopify Dropshipping available anywhere? LOOK AT THE REVIEWS on YouTube and Facebook!!!

FREE SHOPIFY Themes to Increase SALES in 2018!!! See Why EVERYONE is Talking About the Shopify Ninja Masterclass | Official Launch + Sneak Peak ;) ★☆★ FREE Shopify Ninja Secrets (CLOSING SOON) ★☆★ https://go.officialkevindavid.com/shopifyninjawebinar *LAUNCH WEEK $500 OFF COUPON CODE REVEALED IN WEBINAR!~ ★☆★ MESSAGE ME ON FACEBOOK :D ★☆★ https://www.facebook.com/OfficialKevinDavid/ With SO many guru's and shopify courses out there how are you supposed to know which is best, and which mentor to listen to? How do you know which teacher will actually respond to you and care about you? How do you know that the Shopify Ninja Masterclass is the best course on Shopify Dropshipping available anywhere? LOOK AT THE REVIEWS on YouTube and Facebook!!! The Shopify Ninja Masterclass by Kevin David AKA THATLifestyleNinja is the best Shopify course for 2018 ★☆★ SHOPIFY NINJA MASTERCLASS ★☆★ https://go.officialkevindavid.com/shopify-ninja-masterclass *EXCLUSIVE YOUTUBE LAUNCH WEEK PROMO = "NINJA50

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Hi. Vince Oldre, certified financial planner here to talk to you about the differences between if you're working with an investment advisor, insurance agent, or a financial advisor. Now, the hard part with our industry is that most of us call ourselves, "Financial advisors," so how can you determine which one is better for you? How do you know when you're looking online, are you working with a financial advisor, or if you're working with an investment advisor, or a insurance agent?

I want to do this video, in part, because I received a call this morning from a defendant in North Carolina, actually not far from Wake Forest University, where I've done some speaking in the past. This defendant called after watching a video I filmed last year called 10 Ways to Get More Time in Prison and in that video I talked about if you don't accept responsibility, or disclose your substance abuse, or if you continue to spend really aggressively, if you owe restitution, if you don't engage in volunteer work, if you don't work openly with your lawyer, so I identified 10 things that I think could lead to a longer term in prison.

How to set up your YouTube Channel to get the most out of it. YouTube is a great asset for your business. Take Advantage of it. http://marketinghy.com YouTube Marketing YouTube Channel YouTube ads #youtubemarketing

Health care The health we experience in our lives is our responsibility to create and manage. If you have been studying health and the health care system as long as I have you will come to the conclusion that the current{ healthcare} system has nothing to do with holistic health and healing, rather they are in the business of manipulating the body with synthetic drugs and surgery. Health care : Health requires a holistic perspective touching on areas of nutrition, exercise, mental and emotional stress as well as environmental and physical stress. The good news is that you do have the power to create the health you want to experience through balancing your lifestyle, balancing your nervous system and reducing your exposure to environmental toxins. Health care When we can adjust our belief system and begin to believe in ourselves and the innate healing power that is within us we can begin to see the truth and see the true potential that we have to heal. Follow my videos for more inspiration and to go on this journey with me.

Hey guys, Mitch at Snowdon here. Wanted to talk to you today about our complete line of filters. We've got the standard throw-away type filter available in all kinds of different sizes: 1-inch, 2-inch, pleated filters. We carry MERV 8, MERV 10, MERV 11. We can get MERV 13 or MERV 15s. We've also got a complete line of custom size filters so whatever your filter needs are we're able to make them to exact sizes, like this one here is 15.38 x 25.5 x 5.25. Then of course we've got 4-inch and 5-inch filters. HVAC Filter Distributor Canada When it comes to your filter needs, come down to Snowdon. I'm sure we can cover everything you need. My name is Mitch and if you have any questions about our videos, our training seminars or products, feel free to give me a call any time; my number is below, or sign up for our training seminars. Looking forward to hearing from you. HVAC Filter Distributor Canada

Honeywell Distributor Canada Hey guys, Mitch here at Snowdon, and just want to talk about Honeywell complete line of products. Obviously we carry the Honeywell thermostats, from the old thermostats you probably remember that your grandparents to a non-programmable single-stage, a non-programmable multi-stage, and they also have their new WiFi 9000, which is the touch screen. You can program it through your cell phone, check your temperatures. We've also got the Jades, which comes with your damper motors and your sensors. We've got thermal couples and all kinds of other relays and contactors and anything from Honeywell. We're a complete, full-line distributor, so if there's anything from Honeywell that you need, we can make sure to either keep it on the shelf for you or order it in, but we do have a large inventory on Honeywell products. For any of your Honeywell needs, come on down to Snowdon.