The stock market was down almost 45% this year. Housing values are down 20% and unemployment is at an almost all time high. Social security and Medicare are running out of money and may be non-existent in our lifetime. The question is, how have your long range financial expectations changed? Do you still feel secure in your financial future? No one wants to be a pessimist but it is important to be a realist, especially now. One thing that’s for sure, if you continue to do the same things you’ve always done you can expect the same results.
There is good news out there. A lot of people are doing quite well during these recessed times... Read More
Effortless Healthy Weight Loss
There are lots of ways to lose weight; chances are, you’ve done at least one crash diet in your lifetime. It’s unhealthy to do that, and it’s something that a lot of people around the world struggle with. “Quick weight loss” is certainly possible, but you want more than just quick weight loss. You want weight loss that’s going to be healthy and permanent, both. Although this type of diet plan isn’t necessarily going to cause quick weight loss, it will cause permanent weight loss that’s comfortable and has no bad side effects.
It’s really, really easy to “diet.” Almost everyone has done so at some point, although people disagree on what really effective weight loss actually means... Read More
What is Catastrophic Health Insurance?
So your employer in Dallas, Houston or any place in Texas doesn’t offer health insurance. Perhaps you can’t afford to pay for a health plan. Or maybe you just don’t want pay for health coverage because you’re healthy enough that you feel “you don’t need it.” If you fall into any of these categories, you may be a candidate for a “catastrophic” health insurance plan, or what is sometimes called a “high deductible” health plan (HDHP).
Catastrophic health insurance is usually characterized by its high deductibles and low monthly premiums. These plans typically cover major hospital and medical expenses only above a certain deductible... Read More
Make your Retirement Money Work
The earlier you start putting money back for retirement, the better your golden years will be. And if you have been faithful in participating in your employers 401K plan, you can start to some serious money begin to build up as you realize the vesting of the employer matching funds and you continue to make your contributions month after month. It can get pretty exciting when you get those statements and you see your retirement fund really start to take shape.
But your career in business can take a lot of twists and turns along the way. And sometimes you change jobs for a lot of reasons. But the question comes up then; What happens to my 401K money if I leave before retirement? The good news is that you do not lose it. The 401K program is fed... Read More
Change Your Attitude – Learn to Love Exercise
You have probably read about the long-term benefits of exercise: increased energy, disease reduction, longevity, weight management, improved quality of life etc. Most of us are well aware that regular exercise is a vital and critical part of looking, feeling and staying younger and healthier over the course of our lifetime. The need to have the proper attitude towards exercise.
If you want to improve your life in every way, the best place to start is with exercise.
Our bodies need regular exercise; it’s our natural state to be energetic and lively.
When we don’t include it in our lives, we cannot function properly and we cannot feel as good as we should. Regular vigorous exercise will make us saner, happier and healthier. Stay... Read More
What You Need To Know About Finances and Divorce
A divorce process is one of the most stressful, overwhelming experiences you will face in your lifetime. It’s hard enough dealing with the present without deciding your financial future by choosing one property settlement over another, but you must be practical.Divorce and Your Family
If you have very few possessions and no children as a result of the marriage the process may be very simple: “You get the kettle and I keep the crock pot”, but when children are involved and/or there are considerable assets accumulated throughout the life span of a marriage, many financial decisions must be made that not only take care of immediate family needs, but retirement needs as well.
You should develop detailed monthly household budget... Read More
Healthy Diet Plans
If you are like most people who are looking for a Healthy Diet plan, you are either searching to heal health associated problems such for example: Diabetes Mellitus, elevated Blood Pressure, hypercholestrolemia, or stress/anxiety, or else you may possibly be overweight and haven’t yet found that flawless dietary plan that will present you the ability to lose weight forever while maintaining a healthy life.
The right consumption behavior (combined with regular activity) are the foundation of excellent wellbeing and a healthy weight. The basis to losing weight, keeping it off, living healthy and staying fit is finding the appropriate diet design! Take the moment in time to learn the finest diet that meets your healthiness and fitness needs... Read More