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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.

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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

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.

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.

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.

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At DoubleTake Auto Spa we realize your vehicle is an investment and should be treated as such. Don't let paying a few more dollars to stop you from getting the best 100% Hand Car Wash for your vehicle. Taking your car to the local car wash may appear to be affordable but those heavy brushes may cause swirl marks, scratches and or damage your car's paint. At DoubleTake Auto Spa we believe the best car wash is the "human wash" our hands can get in places a machine can't! Plus we take our time when washing your car to ensure every inch of your car's exterior is carefully washed. We use only the best soaps, we use plush washing mitts that are cleaned and inspected after each service. Our silk drying towels ensure we don't produce any swirl marks or scratches. We blow dry crevices to prevent water runoff which can turn into hard water spotting. We treat your tires with a shine that won't splash everywhere when you drive off, like some local car wash. Our 100% Hand Car Wash or Mini Detailing service will make your car's exterior look great!

My name is Kevin David and I'm the creator of the freedom movement. I left my 80/hr a week accounting job to create a massive movement of people becoming financially free. In the past year I've free thousands of people from the 9-5 grind, and it is my life goal to help millions of people realize there is a better life than being trapped in a cubicle. I teach how to make money online, I teach how to earn passive income, and live the best life you can, with the freedom to do the things you want to do always. Come say hi on social media, I respond to every message and I always will. Remember you can completely change your life at any time, you just need to start.

Breasts are affected by the passing of time just like any other part of the body. Sooner or later many women are confronted with sagging breasts. The market is flooded with products that promise to maintain or restore the youthful aspects of the breasts. In reality, once the breast starts sagging there's not much you can do aside from undergoing plastic surgery to elevate them. The sagginess can occur sooner or later in life depending on different factors.

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

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As we know for centuries women have resorted to all sorts of different techniques to prove their virginity to conform to the social norms. Women nowadays have modern techniques at their service to regain their virginity. Hymenoplasty is a surgical procedure that can restore the virginity of patient immediately after the rupture of the hymen or after a longer period of time. The hymen reconstruction procedure is often requested because the patients want to offer their new virginity as gift to their partners or to increase sexual pleasure after having multiple natural births.

Investment Advisor Minneapolis I'll start with an article that the Wall Street Journal just came out with recently and that was the illusion of wealth and the illusion of poverty. What happened was there was a question about whether a million dollars was enough to retire around or would you rather have $5,000 of income per month. Now the illusion is that the million dollars is an illusion of wealth and the $5,000 a month is an illusion of poverty. What you really need to do when it comes to figuring out when you can afford to retire is actually combine those two things together and then you will no longer have an illusion. To know more visite our website

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.

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