Archive for the 'Financial Services' Category

By Deborah Dillon

Youth is not wasted on the young as we once believed. They actually learn some very important lessons during their early years, but 18 is a magic number for your children. It’s the age that they legally become adults, and most will be going off to college and living on their own for the first time. You understand that after all these years of worrying and teaching your kids about life’s ups and downs, it’s finally time for them to leave and you feel pretty sure that you have given them all the smarts they need to spread their wings.

You spent much of their early years teaching them to avoid all things hot or sharp; not to wander away from you in crowds or into traffic; not to stick anything into their mouths that isn’t food; you get the picture. Once they became teenagers, the challenges became more daunting because at that age they think that they are going to live forever and nothing bad can ever happen to them. They also stop listening to you almost entirely – or so you think. A very good friend of mine used to tell me that ‘the teenage years are God’s way of preparing us for them to leave home because by the time they finish high school we are ready for some peace!’

You know how you worried every time they left the house clutching the keys to the car. You worried that they were making the right choices and if leading by example and building a healthy relationship with them was enough. After years of worry, you feel like you can finally take a deep breath, that you raised your kids to be responsible young adults who can now successfully function on their own. Although there will certainly be bumps in the road, you have made it clear to them that, whatever happens, you are just a phone call away if help is ever needed.

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Unfortunately, the one thing we cannot give our children is the guarantee that nothing will ever go wrong. If you ever get that dreaded call for help after your child has turned 18, it is possible that there may be nothing you can do to help them in a crisis or emergency, if you don’t have the right tools in place to do so.

After your child turns 18, you are no longer allowed access to their medical records and doctors, hospitals and other health care professionals are prohibited from discussing their medical conditions with you without their written authorizations. The same holds true for banks, insurance companies, credit card and finance companies, colleges and universities and on and on. That’s why it is so important to have all the necessary legal and practical tools in place to continue to safeguard their lives once they leave the nest.

Before they leave for college, sit down and talk to them about what needs to be done in case of an emergency. Fill out the authorization forms you will need in this new era of patient privacy, talk to them about their wishes so that you can continue to be their best advocate. gives you everything you need to put a plan of action into place; from written instructions as well as up-to-date information about everything that is needed, so that you both have the data you will need to handle things in the event of an accident, illness or during other unexpected occurrences where they cannot care for themselves.

Nothing is more important than preparing our children for the future. One of life’s most important lessons is that will we cannot control what happens to us at all times but we can do everything in our power to be prepared. So when you send your child out into the world, you must also make certain that they understand that it is now up to them (not just you) to prepare themselves for whatever comes their way.

Log on to our web site at and find out how you can put everything in place to protect your child at a very affordable price.

About the Author: Deb Dillon is the founder and creator of She was diagnosed with a brain tumor and it changed her life completely and from this experience came LivingSmart, thorough legal guides to protect yourself and your family from life’s unexpected events by planning for them in advance. LivingSmart Guides address all important aspects of life – including medical, personal, household, financial, minor children, pets, small business, and estate matters.


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By Paula Martinez

For your parents’ and grandparents’ generation, retirement investing guidelines consisted mainly of preserving their assets. Back then, such advice made perfect sense, because retirement represented a shorter period of a person’s life. The new retirees not only live longer, but have to contend with the current inflation rate. Our economy is based on global performance. The world is smaller and anything that occurs across the globe reaches our shores.

Big industries are no longer dependent on only what is happening in America. What happens across the sea does not stay there; it makes its way here. Our economy is much more sensitive to world events. Oil, gas, and raw material prices are increasingly affecting the product cost and the price to bring it to market.

Today retirement requires a whole new way of thinking. For the first time in history the economy depends on the countries of the world for cooperation and stability. As past generations had to rely on the U.S, economy for the relative safety of their investments, this generation has to make sense of changes in the world market. The domino effect now is dependent on a world economy. That means watching the European, Asian, and Middle East regions for possible upheaval. Remember, all that happens in these parts of the world will affect the current inflation rate.

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A new millennium has new rules to live and invest by. The bar has been raised on fund management. The social, demographic, and economic trends provide for multinational companies. The risk today is the political turmoil and global upheaval in a world connected by technology. With home prices slumping and fuel prices climbing the people affected the most are those on fixed income.

The choices proliferate for those that wish to invest in managed funds. There are long term investments, mid-term, and short terms. Retirees usually need financial advisors to help redistribute their portfolios. This especially true if you do not have the knowledge to shift though all the choices, it can be too daunting a task.

Risk management takes on a whole new meaning for retirees in today’s world. Long-Term care can drain you of more than your rainy day funds. The aging population and inadequate health care is making this a burning issue that must be considered when having someone review your portfolio. So between Annuities, Funds, Bonds, CD’s, and saving, you need some one with the knowledge to direct you and guide you in choosing solutions that may generate enough income though your retirement. There are many long term care policies available today that can be a great benefit.

The average time to regain your investment in a care facility is just seventy seven days. This make getting one of these policies very attractive.

Chart a solid strategy with a financial advisor. This approach stands head-and-shoulders above going it alone in the world of finance. The technical analysis that is provided has the long term solutions that an investor needs. It is time to take stock of your retirement and discuss the options that will empower you. Familiarize yourself with Keiber Retirement Solutions, Inc.

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By Mike McGrath

The collection of motorcycle accessories manufactured by Moose is truly revolutionary. The company has always been known for their sense of style, high quality of products and long shelf life of all their motocross accessories. No wonder then this brand is such a hit with all ATV riders!

Diverse accessories

Moose has come up with a fine line-up of cutting edge motorcycle accessories. The Hitch Extender, Luggage Tankbags, Mud Paw hand warmers etc. remain some of the most popular of the styles. For example, the tankbag luggage comes in Black and Camo varieties and is a very popular item with all ATV and motocross racers. It allows you to carry your luggage with you in true classic style.

Handlebars and other accessories

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Moose also has a great collection of handlebars. Some of the most popular amongst this collection of motocross accessories are the ATV Lever Honda 554-10-16 L and the ATV Lever Honda 554-11-16 L which is also a left hand system. The prices for each of these items is extremely reasonable which makes for a great shopping experience for your next motocross racing action!

Other value-added items

The other value-added item from Moose amongst its line-up of motorcycle accessories is the Hose Clamp Assorted. It comes in the 15PK – 5-1/4 5-5/16 and 5-7/16 varieties. These are made of very high quality materials and Moose makes sure to test them under some of the most rigorous conditions. This way, all of these clamps function extremely well even under the toughest riding conditions and terrains.

Plows and snow accessories

For all of you who love to ride in the snow and go snowboarding Moose has some amazing tools and motocross accessories for you! The ATV Tire Chains, County Plow Blades, E-Z Plow Lift, Electric Winch, Fairlead Winch and Plow Blade all remain the top contenders amongst the list of favorite plows. The ATV Tire Chains have been designed for all types of ATV action even on ice and snow. Due to the high tensile strength of these chain materials extra pulling power can also be achieved easily. These chains come in sizes A, B and C. The County Plow Blade comes in a bold yellow coloring and has a superb blade curve which guides snow away from the surface on which digging happens. The plow flap made of rubber helps to prevent snow blowing into the face. The plow lift is yet another very useful addition to have amongst all your motorcycle accessories. As you can well imagine, each and every accessory manufactured by Moose is meant to provide the best value for your money. Right from the styling, colors used to the actual design and shape of these motocross accessories every product is a surefire winner. So, the next time you want to shop for the best quality motorcycle accessories make sure to buy from Moose brand. You can be assured of a very long lasting product coupled with the assurance of added comfort and elegance.

About the Author: provides an amazing selection of

Motocross Apparel

such as

Motocross Jerseys

MX Gear and

Motocross Boots


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Submitted by: Laura M. Morton

An essential component of your financial plan is a budget. It forces you to monitor your spending, enabling you to focus on which items might be reduced so that your can accumulate funds for retirement, education or other needs. Here is a guide to effectively organizing and keeping a check on your expenses.

Step 1: Analyze Your Income And Expenses

The first thing you need to do is to look over the past year’s worth of income and spending. This “cash-flow analysis” will lay the groundwork for the budget you will create. You’ll need your checkbook, your credit card statements (if available), and your most recent tax return. This will give your sufficient data to analyze your spending and income for the past year.

Your Income

Using ledger paper or notebook paper, list your income for a one-year period, and break down the amounts monthly and yearly. Include the following types of income:


Income from self-employment

Retirement pay and/or government-source income (e.g., Social Security, disability, unemployment, annuity, and pension payments)

Interest and dividends

Alimony and/or child support

Rents and/or royalties

Income from trusts

Your Fixed Expenses

Add up the expenses that generally do not vary much from month to month, and break them down monthly and yearly. Make sure you include the following categories, whether or not they’re immediately evident from the past year’s bills:

Taxes, federal, state and local

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Mortgage or rent

Insurance, including medical, auto, homeowners, life, and othe


Automobiles (costs of operating minus insurance cost)

Dues and fees paid to associations and clubs

Where the amounts vary by month, as with a phone bill, add up what you paid for the year and divide by twelve to get the monthly amount. Divide bills that you pay yearly or quarterly by 12 to arrive at a monthly amount. This will help you to arrive at a more functional budget. If you have large credit card debt, indicate the amounts you actually paid, not the minimum monthly payments.

Your Variable Expenses

Next, add up your variable expenses for the previous one-year period, using your checkbook and credit card statements. Be sure to include the following:



Furniture and appliances


Gas, oil, and commuting costs

Medical care



Fees paid to accountants, lawyers, and other professionals

Estimate if you need to do so. You’ll be able to tell whether you’re overlooking any variable expenses by subtracting the total yearly amount you arrive at for variable and fixed expenses from your yearly income figure. If this amount is the amount you put away in savings for the previous year, then you can be pretty certain that you’ve included all of your variable expenses. If there is a large gap between income minus expenses and the amount you saved, do some digging to try to find where the extra money went.

Step 2: Set Budgeting Goals

Your budget should tie in with your financial planning goals. For instance, you may have done some work on your retirement plan, and decided that you needed to save $20,000 per year for the next ten years to accumulate the nest egg you want for retirement.

Or you may be saving for a new home, and determined to save $5,000 per year for the next three years to come up with a down payment.

You may also want to reduce credit card debt or pay down a mortgage with your increased savings.

In this step, decide how much you want to put away each year and what you will do with the savings. Your saving goals will depend on the above-mentioned financial planning goals, as well as on your age and income level.

If you want to save more than you have been saving, then you’ll need to cut down on optional expenditures. To do this, you’ll enter an amount under “budgeted amount” that is less than “last years actual.”

Tip: You should review your budget each year to make it fit in with your financial goals, both long-term and short-term.

Step 3: Create Your Budget

Now it’s time to actually create a budget. One simple approach is to use one sheet of paper for each month of the year. Use ledger paper or use 8-1/2 by 11″ paper used in “landscape” format (used horizontally instead of vertically).

Note: If you have a computer program that will formulate a budget for you, use that, as it will be more convenient than writing up a budget by hand. But read through our guidelines anyway to get a grasp of the concepts involved.

Each sheet of paper should be headed by the name of the month. Once you’ve come up with January’s version, you can photocopy that 11 times, since each month’s version will be the same.

Each month’s budget sheet might have five columns:

Column 1, labeled “Expense,” will contain each of the items you listed under fixed and variable expenses.

Column 2, labeled “Last Year’s Actual,” will contain the monthly amounts you came up with for each fixed and variable expense.

Column 3, labeled “This Year’s Budgeted,” is where you will write in what you will allow yourself to spend on that item for the month. (It can, and probably will, differ from last year’s actual expense).

Column 4, labeled “This Year’s Actual,” is where you will write in what you spend on that item for the month.

Column 5, labeled “Increase/Decrease,” is where you will write in how much more–or less–you spent during that month than you had budgeted.

Arrange the items in whatever way are convenient for you. Make your budget easy to use; this will help ensure that you use it. If you prefer to categorize your expenses in an orderly way (fixed vs. variable or optional vs. mandatory), then do so. If you prefer to categorize them in the order in which they come up during the month, or by the manner in which they are paid (cash, check, or credit card), then do so.

It takes discipline to record each amount in your budget as you pay it, but the discipline will pay off at the end of the year, when you will have a clear picture of your spending.

Tip: Keep receipts for cash payments until you are able to record expenditures in your budget.

Tip: Don’t try to track every penny; instead, maintain a category called “petty cash” or “miscellaneous expenses” to cover spending cash that does not go for categorized items. This will cover cash that you withdraw from your checking account, but do not keep track of. Allow yourself a reasonable budgeted amount for this category.

At the end of each month, and then at the end of the year, look at your monthly totals to see whether you’ve under- or overspent your budgeted amounts. Performing a monthly and yearly review will help you to set or revise goals for next year.

Step 4: Review Your Adherence to the Budget

At the end of each month, and then at the end of the year, look at your monthly totals to see whether you’ve under- or overspent your budgeted amounts. Performing a monthly and yearly review will help you to set or revise goals for next year.

About the Author: Laura is president and owner of 10 Key Solutions: Tax and Accounting Services. She has served in both the public and private sectors of accounting for over 25 years. Laura is an experienced and dedicated Accountant and Tax Preparer, with an attention for detail. Visit her blog for tax tips:



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