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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

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.

HOW YOU CAN BE INVOLVED YOURSELF DURING QUARANTINE LIFE: https://mailchi.mp/c2fd1be7d387/onlin... Rising Voice - 21 Day: https://www.marliacoeur.com/product/r... ..-..-..-..-..-.. Home Academy [Sound, Music, Mindfulness, Travel] Let's start with the singing exercises - playing with gibberish syllables which form words, which we use for singing (bezoop, nganenga, henge-hingi) Visit www.onlinehomeacademy.eu for more free lessons with Marlia ..-..-..-..-..-.. Marlia is a collective visionary and a vocal artist whose main passion is to inspire and guide people to discover the infinite power and healing abilities of their voices and hearts and to deepen their musicality. ..-..-..-..-..-.. From my heart to your heart / marlia_project Thank you for supporting my mission for a brighter global future! ..-..-..-..-..-.. The Home Academy is an online platform of mindfulness teachings for our human conscious community, where educators can upload their videos regarding vocal lessons, handpan lessons, guitar lessons, yoga sessions, breathing/pranayama sessions, traveling vblogs, living in a campervan tips, mindfulness seminars, life coaching seminars, percussion, music theory, holotropic breathwork, sacred movement/dance, recording software, recording equipment, marketing techniques for freelancers, undoing limiting beliefs seminars, voice activation sessions and much much more. ..-..-..-..-..-.. Just contact marliaproject@gmail.com for more information on how you can get onboard this platform with one of your videos, embracing this idea of community, co-creation, of teaching each other what we know, spreading and expanding to all continents, eliminating distance and bringing people closer together; participating in something bigger than the individual 'I', connecting souls from all over the world to a mutual sense of belonging. Welcome Home! ..-..-..-..-..-..

HOW YOU CAN BE INVOLVED YOURSELF DURING QUARANTINE LIFE: https://mailchi.mp/c2fd1be7d387/onlin... Rising Voice - 21 Day: https://www.marliacoeur.com/product/r... ..-..-..-..-..-.. Home Academy [Sound, Music, Mindfulness, Travel] Intermediate hip-opener heart-opener vinyasa flow "Open Heart" yoga session Visit www.onlinehomeacademy.eu for more free lessons with Marlia ..-..-..-..-..-.. Marlia is a collective visionary and a vocal artist whose main passion is to inspire and guide people to discover the infinite power and healing abilities of their voices and hearts and to deepen their musicality. ..-..-..-..-..-.. From my heart to your heart / marlia_project Thank you for supporting my mission for a brighter global future! ..-..-..-..-..-.. The Home Academy is an online platform of mindfulness teachings for our human conscious community, where educators can upload their videos regarding vocal lessons, handpan lessons, guitar lessons, yoga sessions, breathing/pranayama sessions, traveling vblogs, living in a campervan tips, mindfulness seminars, life coaching seminars, percussion, music theory, holotropic breathwork, sacred movement/dance, recording software, recording equipment, marketing techniques for freelancers, undoing limiting beliefs seminars, voice activation sessions and much much more. ..-..-..-..-..-.. Just contact marliaproject@gmail.com for more information on how you can get onboard this platform with one of your videos, embracing this idea of community, co-creation, of teaching each other what we know, spreading and expanding to all continents, eliminating distance and bringing people closer together; participating in something bigger than the individual 'I', connecting souls from all over the world to a mutual sense of belonging. Welcome Home! ..-..-..-..-..-..

HOW YOU CAN BE INVOLVED YOURSELF DURING QUARANTINE LIFE: https://mailchi.mp/c2fd1be7d387/onlin... Rising Voice - 21 Day: https://www.marliacoeur.com/product/r... ..-..-..-..-..-.. Home Academy [Sound, Music, Mindfulness, Travel] Introducing sighing as a warm-up vocal technique Visit www.onlinehomeacademy.eu for more free lessons with Marlia ..-..-..-..-..-.. Marlia is a collective visionary and a vocal artist whose main passion is to inspire and guide people to discover the infinite power and healing abilities of their voices and hearts and to deepen their musicality. ..-..-..-..-..-.. From my heart to your heart / marlia_project Thank you for supporting my mission for a brighter global future! ..-..-..-..-..-.. The Home Academy is an online platform of mindfulness teachings for our human conscious community, where educators can upload their videos regarding vocal lessons, handpan lessons, guitar lessons, yoga sessions, breathing/pranayama sessions, traveling vblogs, living in a campervan tips, mindfulness seminars, life coaching seminars, percussion, music theory, holotropic breathwork, sacred movement/dance, recording software, recording equipment, marketing techniques for freelancers, undoing limiting beliefs seminars, voice activation sessions and much much more. ..-..-..-..-..-.. Just contact marliaproject@gmail.com for more information on how you can get onboard this platform with one of your videos, embracing this idea of community, co-creation, of teaching each other what we know, spreading and expanding to all continents, eliminating distance and bringing people closer together; participating in something bigger than the individual 'I', connecting souls from all over the world to a mutual sense of belonging. Welcome Home! ..-..-..-..-..-..

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HOW YOU CAN BE INVOLVED YOURSELF DURING QUARANTINE LIFE: https://mailchi.mp/c2fd1be7d387/onlin... ..-..-..-..-..-.. Home Academy [Sound, Music, Mindfulness, Travel] What is the Voice + The Queen of All The Breath Visit www.onlinehomeacademy.eu for more free lessons with Marlia ..-..-..-..-..-.. The Home Academy is an online platform of mindfulness teachings for our human conscious community, where educators can upload their videos regarding vocal lessons, handpan lessons, guitar lessons, yoga sessions, breathing/pranayama sessions, traveling vblogs, living in a campervan tips, mindfulness seminars, life coaching seminars, percussion, music theory, holotropic breathwork, sacred movement/dance, recording software, recording equipment, marketing techniques for freelancers, undoing limiting beliefs seminars, voice activation sessions and much much more. ..-..-..-..-..-.. Marlia is a collective visionary and a vocal artist whose main passion is to inspire and guide people to discover the infinite power and healing abilities of their voices and hearts and to deepen their musicality. ..-..-..-..-..-.. From my heart to your heart / marlia_project Thank you for supporting my mission for a brighter global future! ..-..-..-..-..-.. Just contact marliaproject@gmail.com for more information on how you can get onboard this platform with one of your videos, embracing this idea of community, co-creation, of teaching each other what we know, spreading and expanding to all continents, eliminating distance and bringing people closer together; participating in something bigger than the individual 'I', connecting souls from all over the world to a mutual sense of belonging. Welcome Home! ..-..-..-..-..-.. Do you want to develop your voice to its full potential, so you can use it in a natural, relaxed way? Are you unsatisfied with the sound of your voice? Do you dream of learning how to improve your singing/speaking but you're too busy to fit one more thing in your schedu

HOW YOU CAN BE INVOLVED YOURSELF DURING QUARANTINE LIFE: https://mailchi.mp/c2fd1be7d387/onlin... . Home Academy [Sound, Music, Mindfulness, Travel] Visit www.onlinehomeacademy.eu for more free lessons with Marlia The Home Academy is an online platform of mindfulness teachings for our human conscious community, where educators can upload their videos regarding vocal lessons, handpan lessons, guitar lessons, yoga sessions, breathing/pranayama sessions, traveling vblogs, living in a campervan tips, mindfulness seminars, life coaching seminars, percussion, music theory, holotropic breathwork, sacred movement/dance, recording software, recording equipment, marketing techniques for freelancers, undoing limiting beliefs seminars, voice activation sessions and much much more. Just contact marliaproject@gmail.com for more information on how you can get onboard this platform with one of your videos, embracing this idea of community, co-creation, of teaching each other what we know, spreading and expanding to all continents, eliminating distance and bringing people closer together; participating in something bigger than the individual 'I', connecting souls from all over the world to a mutual sense of belonging. Welcome Home! The time is Now. The time has come. Welcome Home. Visit www.onlinehomeacademy.eu Thank you for supporting my mission for a brighter global future! From my heart to your heart / marlia_project Do you want to develop your voice to its full potential, so you can use it in a natural, relaxed way? Are you unsatisfied with the sound of your voice? Do you dream of learning how to improve your singing/speaking but you're too busy to fit one more thing in your schedule? Were you told that singing is not for you, and so you are feeling shy about it? If your answer is YES to any of the above questions, then the "Rising Voice" **Rising Voice - 21 Day: https://www.marliacoeur.com/product/r... Follow me