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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.

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.

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

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.

http://www.houchinlaw.com Power of Acceptance - Find your purpose on the planet and aligning that purpose with your business and your spirit so that you can really find some time and find a place in your life that makes life worth living. Kevin Houchin Creative Lawyer & Creative Business Law Firm Helps people align and figure out what they want to do, what their creativity is, what they are here on the planet to share with the rest of us and empower those people through business, through entrepreneurism, through the legal background that Kevin has. To schedule Kevin for keynote speeches, workshops, or seminars, call 970-493-107 or http://www.houchinlaw.com

Justin Paperny Dating After Federal Prison To be or not be' is the opening line in Shakespeare's Hamlet. We are not talking of Hamlet today, though I will steal from that and say to tell or not tell, as it related to dating after federal prison. I am going to share my experience and some of the experiences of my clients. So, let's get started. Dating After Federal Prison It's Justin Paperny at White Collar Advice and today we're going to talk about dating after prison. Now, I've been told by a number of really great clients my experience was easier, because I went to federal prison and I did not have children. And there's a lot of truth in that. I was 33 when I went to prison. I was single. So there is some truth to that. Incarceration is harder on your family and your loved ones and even though you're the one serving time it is harder on those that love and support you, namely your wife, your children, your husband.

You can see there's a few things that I've done to it that I want you guys to go out there and do to your YouTube channels. Treat YouTube as an extension of your website. You want to brand it. You want to have links out to your website. You want to use it as an asset. A lot of companies set up their YouTube channel and they just don't use it like they need to. I want to show you how to set up a youtube channel , and then why it's important. First thing you want to do is get your icons, get your branding, get your logos, get your value proposition. Don't just throw up any old image here. Here's the difference: you have this channel right here that's all set up, or you can take a look at this channel that is not. You'd be surprised how many big companies have their channels that just are not set up.

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.

Still, imprisonment can be harder on those that love and support us, including our wives. For that reason, Ro Clausen and I proudly share a video that addresses how prison wives can both prepare for and thrive through that{ first day in federal prison.} To view our private video, 10 Things You Have To Know If Your Husband Is Going To Prison

3D animation has undoubtedly made its way into limelight but, by no way does it mean that 3D animation has lost its fascination. To add dynamism to 3D, tools are now being developed that enable animators to apply 3D motions on 3D characters.

3D animation has undoubtedly made its way into limelight but, by no way does it mean that 3D animation has lost its fascination. To add dynamism to 3D, tools are now being developed that enable animators to apply 3D motions on 3D characters.

The 80 20 rule dictates that 20% of what we do, gives us 80% of the results we want! Most people prioritize the wrong things, and waste SO much time on tedious tasks that don't get them the value they're after! We will take a look at the Pareto Law also known as the 80 20 rule which helps to prioritize what is most important in your life! Start to think about time management, and start to actively think about how to manage time, get organized and declutter your life! We will also discuss how to stop procrastinating through some real actionable, implementable secrets that will teach you exactly the causes of procrastination and exactly how to not procrastinate!

Learn the Why Most Shopify Niches FAIL - And the Three Simple Tricks I Use to Find Home-Run Niches EVERY TIME! ★☆★ FREE Shopify Ninja Secrets (CLOSING SOON) ★☆★ https://go.officialkevindavid.com/sho... STEP #1 ➜ Join the Shopify Ninja FB Group! (CHEATSHEET) https://goo.gl/7K5agp STEP #2 ➜ Sign up for our Exclusive Shopify FREE TRIAL! https://goo.gl/eSgC12 STEP #3 ➜ Join the Shopify Ninja Masterclass + FREE 1-On-1 COACHING (YouTube EXCLUSIVE PROMO CODE = "KD250") ► https://goo.gl/uAg9gf Shopify Product Research Video: https://www.youtube.com/watch?v=mFE5V... Welcome to the video on how to find the worlds best Shopify niches, and how to find profitable niches, and trending niches for Shopify or eCommerce every single time! We are going to discuss methods that any beginner can follow, but advanced enough even for experienced sellers We will go over the common mistakes Shopify sellers make when selecting their niches, and the ONE MISTAKE that costs the most time energy and money I see beginners making again and again! By the end of this video you will know how to select a profitable niche, and know whether or not you will be able to advertise to that niche through HIGHLY TARGETED FACEBOOK ADS, BEFORE ever even setting up your store! You will know what to look for for a Shopify niche in 2018, and how to identify profitable niches in 2018 for Shopify, happy selling! For Advanced Product Research techniques make sure to check out our Shopify Product Research video below: https://www.youtube.com/watch?v=mFE5V...

Let's Be Real... Creating A Profitable Facebook™ Ad Can Be Incredibly Difficult! People Tell Me All The Time That Facebook Ads Won't Work For Their Business But The Reality Is That There's A Successful Facebook Ad Strategy That Will Work For ANY BUSINESS! Sadly, A Large Majority Of Business Owners Just Don't Know How To Correctly Take Advantage Of The Facebook Ad Platform. They Just Don't Understand How To Properly Research Their Market, Target Audience, Understand Analytics, And Most Importantly SCALE Profitably!

The Internet is teeming with marketing platforms that don't cost a dime-you just need to know where to look. You may not have wads of cash to spend on marketing in the early stages of your startup, but that doesn't mean that there aren't effective ways to get your brand out there. Here's how you can promote your business digitally.

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.

So many people wonder what are the top ways on how to make $100 a day are! Watch as we REVEAL a few ways that you can start to make $100 a day with absolutely no money to start! As the eCommerce world begins to become more and more saturated, you have to begin to think outside of the box! In this video I will be showing you exactly how you can do that!

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!

Kevin David has been an Entrepreneur since the age of 14. He grew up in the suburbs of Eugene, Oregon playing soccer. His passion for the sport taught him valuable lessons about competition, hard work, and the art of winning. He always knew that he was destined to be an Entrepreneur… Despite his young age, Kevin opted into every business opportunity he could find whether that was selling Baseball Cards or candy bars!

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!