PANAMA CITY, PANAMA – 16 Mar, 2016 – OffshoreReviews.com launched in February 2016 has already received over 500 reviews of offshore service providers including offshore company formation services, offshore registered agents, offshore banks, offshore brokerages, offshore attorneys and offshore precious metals (gold and silver) storage facilities.

We are pleased to announce the highest rated offshore companies in each business category!

Top Rated Offshore Bank: Scotia Bank, Panama, 97% Rating
www.scotiabank.com/ca/en/0,1091,2,00.html
www.offshorereviews.com/provider/scotia-bank-reviews

Top Rated Offshore Incorporator:  Harbor Financial Services, USA, 98.5% Rating
www.hfsoffshore.com
www.offshorereviews.com/provider/harbor-financial-services-offshore-reviews

Top Rated Offshore Registered Agent: Stafford Corporate Services, Anguilla, 99% Rating
www.offshorereviews.com/provider/stafford-corporate-services-ltd-reviews

Top Rated Offshore Brokerage: Investors Europe, Gibraltar, 98% Rating
www.investorseurope.com
www.offshorereviews.com/provider/investors-europe-reviews

Top Rated Offshore Attorney Firm: US Tax Services, Belize, 100% Rating
www.ustax.bz
www.offshorereviews.com/provider/us-tax-services-reviews

Top Rated Offshore Precious Metals Company: Global Gold Inc, Switzerland, 82% Rating
www.globalgold.ch
www.offshorereviews.com/provider/global-gold-reviews

The complete list of top rated offshore service providers can be found on the following pages. 

Top rated offshore company incorporation services, also known as offshore incorporators: www.offshorereviews.com/reviews/offshore-incorporators-top-rated-reviews

Top rated offshore banks: www.offshorereviews.com/reviews/offshore-banks-top-rated-reviews

Top rated offshore registered agents: www.offshorereviews.com/reviews/registered-agents-top-rated-reviews

Top rated offshore brokerages: www.offshorereviews.com/reviews/offshore-brokerages-top-rated-reviews

Top rated offshore law firms and attorneys: www.offshorereviews.com/reviews/offshore-attorneys-and-offshore-law-firms-top-rated-reviews

Top rated offshore precious metals storage facilities: www.offshorereviews.com/reviews/offshore-precious-metals-top-rated-reviews

We actively encourage reviews from clients of offshore service firms. This is a great opportunity to share your experiences with the world. Be it a positive or negative review, it belongs on OffshoreReviews.com

Negative reviews can save potential clients from a bad experience. Good reviews pave the way for potential clients to choose with confidence.

For complete information, please visit: OffshoreReviews.com

Contact:
Azuero Business Center, Suite 672
Avenida Perez Chitre
Panama City, Panama  00395
Panama Phone: +507-836-5060
U.S. Phone: 1-305-602-3002
Info@OffshoreReviews.com

Full News Story: http://pressreleasejet.com/news/offshorereviews-com-announces-the-highest-rated-offshore-providers.html

Distributed by Press Release Jet

Media Contact
Company Name: Offshore
Contact Person: Reviews
Email: Info@OffshoreReviews.com
Phone: 305-602-3002
Country: Panama
Website: www.OffshoreReviews.com

GRAYSLAKE, IL – 17 Mar, 2016 – Once the exclusive domain of doctors’ offices and big banks, more financial advisors are copying the actions of their larger counterparts and “stress testing” the portfolios of their individual clients. Here’s how to do it correctly now to avoid anxiety later.

Sequence-of-return risk is real, and devastating.

Sequence-of–return refers to the impact of market gains and losses on a portfolio just prior to, or early in, retirement. The risk comes in the form of low or negative returns, which combine with withdrawals taken by the investor for everyday living expenses to accelerate a portfolio’s rate of depletion. If hit hard enough at the outset, a retiree may have a difficult time trying to recover, increasing the likelihood they may run out of money long before they run out of life.

Consider in 2008, the average investor lost almost 25 percent of their savings, according to the Investment Company Institute. However, for investors in the age 50 to 59 bracket, a demographic quickly closing in on retirement, the loss had a greater impact—over 30 percent. If returns diminished by a third at a time when funds were needed for gas, groceries and health care, the results could be catastrophic.

Here’s how sequence-of-return risk works. If two investors had the same account balance, yet investor No. 1 retired at the beginning of a sustained market rise and investor No. 2 at the beginning of a decline, the difference in the portfolio value for each over the course of their retirement is material, and significant. Investor No. 1 has a good chance of an affordable quality of life in retirement with assets to spare. Conversely, investor No. 2 has an equal or greater chance of running out of money or coming up short on their retirement goals.

It isn’t a pleasant scenario, but concrete steps can be taken to help ensure the risk is minimized, and that investors don’t outlive their assets; it’s called a personal portfolio stress test.

Once the exclusive domain of doctors’ offices and big banks, more financial advisors are copying the actions of their larger counterparts and stress testing the portfolios of their individual clients.

However, a note of caution; financial advisors and investment advisory firms will often provide clients with hypothetical illustrations of a particular fund or portfolio’s average performance over time, but averages are misleading, especially when sequence-of-return risk is involved. It’s critical to use realistic time periods that involve a correction and/or catastrophic market drop, as experienced during the “Great Recession” of 2008 and 2009.

In other words, it has to be honest, not something that simply advertises solid returns, and the resulting plan has to have some sort of automated strategy or provision, says Michael Niemczyk, president, Insurance professional and Investment advisor of MLN Retirement Planning, Inc., a registered investment advisory firm with offices in Grayslake and McHenry Illinois.

“A portfolio stress test has to involve the absolute worst of the market, and examine whether the client’s emotions and financial lifestyle can handle the worst case scenario,” he says. “When selecting various investment strategies and portfolios, they need to be automated, include some type of stop-loss, insurance against loss or something with a preset sell and buy algorithm that helps protect the investor from downside risk before it happens, not after.

Other best practices include engaging with a financial advisor who works closely with a team, such as an attorney, accountant and other specialists (sometimes even in the same office) to ensure all assets and all possible scenarios are accounted for during the test. However, the client should ensure the financial advisor is the “quarterback” of that team, as they have the most investment knowledge.

The results of the stress test might call for an automatic (and automated) move to fixed income investments like bonds when the market experiences a certain drop. Or assets can be automatically moved to contractually insured vehicles when a certain level is reached in order to help protect against downside loss, as well as to lock in gains.

Investors need to remember that investing involves risk, including the potential loss of principal and that not all investment strategies can guarantee a profit or protect against loss in periods of declining values.

Keep in mind there are various degrees of protection against losses within investment advisory products.
If a financial advisor starts talking about contractual guarantees and guaranteed income streams he or she is referring to fixed insurance products that are subject to the claims paying ability of the issuing insurance carrier.

Whatever the eventual solution, it all starts with a financial advisor, as well as a comprehensive test now in order to ensure minimal stress later.

For more information about us, please visit http://www.mlnrp.com/

Media Contact
Company Name: MLN Retirement Planning, Inc.
Contact Person: Michael Niemczyk, IAR, CIS
Email: MIKE@MLNRP.COM
Phone: 844-801-1860
Country: United States
Website: http://www.mlnrp.com/

21 Mar, 2016 – In the contemporary business world, integrity is one of the most sought-after qualities not only of individual employees but of companies. People often define integrity as doing the right thing even when no one else is around. It is the ability to act with honesty and be consistent in whatever it is you are doing based on the particular moral, value or belief compass you have. Beliefs, values and morals all relate to the culture in which you operate. As a company, your personal integrity is essential for getting and keeping the support of investors and the team members and is critical for getting and keeping customers and vendors.

“ArKay Beverages is produced by an American company, and built on a core value, a culture that entails the production of original refined non-alcoholic liquor-flavored drink, building of a friendly business environment with its customer and meeting their needs with promptness and timeliness. ArKay beverages wish to keep its integrity and for this reason, refuses to be sold on Alibaba in order to avoid Chinese counterfeiters. I believe honesty, diligence and reliability should be the basis of all business. In my opinion Alibaba offers only made in china, cheap look-a-like, and knockoff products. Another notable fact is that Alibaba is mostly showcasing Chinese companies and their products, and blocking the entry of serious American companies to showcase their products to international buyers, in the process Alibaba is hurting American businesses and fooling American consumers,’’ says Karen

About ArKay Beverages

Arkay beverages was created with the purpose of improving people’s lives through beverages, providing taste-rocking, world-changing non-alcoholic drinks crafted in over 36 crispy flavored potions and still counting. ArKay beverages is the world’s first non-alcoholic, liquor-flavored drink collection, and has rapidly gained popularity worldwide with this truly unique and innovative drink. For consumers worldwide looking for an alcohol-free drink alternative ArKay non-alcoholic, liquor-flavored drink collection is the perfect drink to substitute for all alcoholic drinks. It is for EVERYONE and is available in many of our selected distribution outlets across the US, or simply order online on our website (https://arkaybeverages.com).  ArKay is GLUTEN-FREE.  ArKay non-alcoholic flavored drinks can be enjoyed ANYTIME, ANYWHERE!

Full News Story: http://pressreleasejet.com/news/arkay-beverages-will-never-be-sold-on-alibaba-com.html

Distributed by Press Release Jet

Media Contact
Company Name: ARKAY BEVERAGES INC
Contact Person: Karen Alarcon
Email: MANAGEMENT@ARKAYBEVERAGES.COM
Phone: 8554162565
Country: United States
Website: www.arkaybeverages.com

ROGERS, AR – 23 Mar, 2016 – According to Pew Research, Baby Boomers are streaming into retirement at a rate of 10,000 per day, and many of them are financially unprepared as you might expect. Financial professionals who are licensed to sell financial products and services to pre-retirees don’t always take priority in honestly informing their clients about their options.

The attitude that an educated consumer is the best customer is not the attitude of all investment advisors, and pre-retirees seem to be the ones who are hit hardest—partly because many may not as market savvy as long-time investors, and partly because the unique financial challenges of today’s economic landscape could be working against them.

Empowering the country’s aging population begins with informing them, according to Tony Hansmann, President of Guardian Financial in Rogers, Arkansas.

“I’m tired of Wall Street, it’s like a David and Goliath story,” he says. “What we’ve found is that Wall Street really pushes and wants people to speculate and gamble with their money, and we want to pick up the slingshot of justice against this giant. We teach just the opposite of what Wall Street pushes—we want to help people manage their money efficiently and with as much market risk exposure as they feel comfortable with.”

Today’s aging population already faces a stacked deck. The Social Security Administration advises that Social Security income should account for no more than 40 percent of a retiree’s monthly income. But according to a recent AARP report, 51 percent of surveyed Boomers are expected to rely on Social Security for 41 percent to 100 percent of their monthly household income. While payments from Social Security and Supplemental Security Income (SSI) have played a critical role in enhancing economic security and reducing poverty rates among people ages 65 and older, many older adults live on limited incomes and have modest savings—and these are the people most susceptible to investment cons.

Three things that an investor consumer planning for retirement should avoid are:

• The con man making lofty promises about guaranteed returns on investments should raise suspicion. All investments are based on risk, and there are never any guarantees, according to the National Foundation for Credit Counseling.

• The prognosticator, a “fortune teller” who pretends to be able to predict the future when it comes to market volatility. There is no crystal ball that guarantees any investment is safe.

• The guru, the celebrity money manager who’s following was legendary in past years. Nobody can predict who is going to be the next hot money manager, and there is no correlation between the stock picker today and his ability to be able to do it tomorrow.

When people are stressed about their retirement income status, it’s easy to be lured by the promises of so-called “experts” on Wall Street guaranteeing investment income streams. Many who are struggling develop a habit of getting sidetracked when they’re walking through the grocery line, or reading newsletters and emails about the “five star” money managers and their investment tips. They think to themselves that this is someone whose investment strategy is one to follow, but they don’t realize that these are predatory tactics employed to attract individuals who don’t have an understanding of how the stock market really works, and the results of following such strategies can be devastating.

“We believe in coaching retirees,” Hansmann says. “We want to coach and educate the client so that they are better able to avoid the con man, avoid the prognosticator, and avoid the guru,”

“The myth that the savvy investment manager is always going to be a five star fund picker is as real as the Easter bunny,” he says. “Our philosophy is, we don’t just manage portfolios, we manage people’s behavior—we work with portfolios that have people problems.”

According to TIAA-CREF’s “Ready to Retire Survey,” 52 percent of pre-retirees say they wish they had started saving for the future sooner, and many survey participants say they wish they had made smarter financial decisions earlier in their career.

Still, it is never too late to plan for retirement. As people move closer to collecting their last paycheck, they become more likely to consult a financial advisor for help planning their income stream during the golden years. Choosing a financial advisor who will understand each individual’s unique needs begins with looking for an advisor who is a licensed fiduciary, which means they hold a legal and ethical responsibility to act in their clients’ best interests.

A fiduciary can advise pre-retirees on the best ways to make retirement savings last, reduce or eliminate tax burdens in retirement, and other options, including the use of insurance products such as annuities, which can help to maintain an income stream that will last the rest of their lives.

In addition to adjusting to life without income from full-time employment, pre-retirees may also want to take into account the possibility of having long-term care needs and expenses in the future. A sudden hospitalization or an extended stay can dismantle even the best-laid retirement plans with one stay in a rehabilitation facility or nursing home.

The key to retiring with confidence begins with a solid financial education.

We are an independent financial services firm helping individuals create retirement strategies using a variety of investment and insurance products to custom suit their needs and objectives. [Investment Advisory Disclosure]

For more information about us, please visit http://www.CoachTony.com

Video URL: https://www.youtube.com/user/TimeToGetSmart

Media Contact
Company Name: Guardian Financial, Inc.
Contact Person: Tony Coach Tony Hansmann, President
Email: Tony@CoachTony.com
Phone: 479-268-4463
Country: United States
Website: http://www.CoachTony.com

TROY, MI – 23 Mar, 2016 – SIPP International Industries, Inc. as listed on the OTC Markets (trading symbol “SIPN”) announced today that they are moving headquarters from Las Vegas, Nevada to Troy, Michigan which coincides with their long term growth plans. 

SIPN, has recently emerged from the development stage, armed with their new and improved, life- saving product “PYROCHILL” fire inhibitor.  After several years of postponing the launch of the product PYROCHILL, the company has initiated its long term market strategy and has recently agreed to terms that will initially place PYROCHILL in the Sears and Kmart Marketplace.

“We have planned this for quite some time.” says Chris Fascenelli, Director of Sales at SIPP International Industries, Inc.  “The move from Las Vegas, Nevada to Troy, Michigan will allow for consolidation of our manufacturing and distribution needs as we head into larger markets and a call for more transparency will be of utmost importance.  More announcements will be forth coming.”

“PYROCHILL” is a water based, nontoxic, biodegradable fire inhibitor.  Whatever material treated with PYROCHILL, no matter how small or large, will never catch on fire; no matter how much heat or flame the treated material is subjected to. 

Vew the one-minute commercial: https:/www.youtube.com/watch?v=FB3pOvqQing

NOTE:

This press release may contain projections or other forward-looking statements regarding future events or our future financial performance.  All statements other than present and historical facts and conditions contained in this release, including any statements regarding our future results of operations and financial positions, business strategy, plans and our objectives for future operations, are forward-looking statements (within the meaning of the Securities Litigation Reform Act of 1995, Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended).

These statements are only predictions and reflect our current beliefs and expectations with respect to future events and are based on assumptions and subject to risk and uncertainties and subject to change at any time. We operate in a very competitive and rapidly changing environment.  New risks emerge from time to time.  Given these risks and uncertainties, you should not place undue reliance on these forward-looking statements.  Actual events or results may differ materially from those contained in the projections or forward-looking statements.

Some of the factors that could cause actual results to differ materially from the forward-looking statements contained herein include, without limitation: (i) the contraction or lack of growth of markets in which we compete and in which our products are sold, including on line markets, (ii) unexpected increases in our expenses, including manufacturing expenses, (iii) inability to adjust spending quickly enough to offset any unexpected revenue shortfall, (iv) delays or cancellations in spending by our customers, (v) unexpected average selling price reductions, (vi) the significant fluctuation to which our quarterly revenue and operating results are subject due to cyclicality in the wireless communications industry and transitions to new process technologies, (vii) our inability to anticipate the future market demands and future needs of our customers, (viii) our inability to achieve new design wins, and (ix) other factors detailed in documents we file from time to time with the Securities and Exchange Commission. Forward-looking statements in this release are made pursuant to the safe harbor provisions contained in the Private Securities Litigation Reform Act of 1995.

Video Link: https://youtu.be/FB3pOvqQing

Full News Story: http://pressreleasejet.com/news/sipp-international-industries-inc-sets-long-term-plans-in-motion-and-begins-the-launch-of-pyrochill-onto-the-retail-stage.html

Distributed by Press Release Jet

Media Contact
Company Name: Louis Johnson
Contact Person: SIPPINT, INC.
Email: ljohnson@sippint.com
Phone: (248) 224-3120
Country: United States
Website: https://www.sippint.com

BAYONNE, NJ – 23 Mar, 2016 – Baby boomers are streaming into retirement at a rate of 10,000 per day. Statistically, they are living longer than their parents and grandparents, and a large number of them are heading into their longevity-enhanced golden years with no pension and no real plan regarding a sustainable retirement income.

When Social Security was first enacted in 1935, retirees could count on receiving their social security payment beginning at the age of 65. At the time, the life expectancy at birth was 58 years for men and 62 for women, so Social Security was something many retirees never had a chance to collect. For generations, employer-funded pensions often filled in the income gap for older Americans after they stopped working, but company-sponsored pensions are dwindling. Instead, some employers offer 401(k)s, which may not be equipped to provide a reliable lifetime income source.

The challenge many financial planners today are faced with is helping clients with no pension achieve similar lifelong predictability in their retirement income strategies through the use of insurance products. Certain insurance products, like fixed indexed annuities, can help provide a sustainable and reliable income stream for the lifetime of the annuity purchaser, as well as their spouse’s lifetime, to help protect their retirement income from market volatility. Market investments, on the other hand, can be less expensive and, assuming the portfolio is properly constructed and based on typical market returns, may be able to provide lifetime income through a “total return” strategy. However, this strategy has no guarantees and, considering the current interest rate environment, the recommended withdrawal rate would be very low (2-3 percent), reducing the possibility of a person’s money lasting for the rest of their life.

In his recently released book, “The S.M.A.R.T. Approach, a 5 Step Process to Life, Leadership and Investing,” Financial Planner Vincent Virga, President of PFS Wealth Management Group in Bayonne, NJ, says pre-retirees in a time when employer-sponsored pension plans are diminishing, do have options for building their very own predictable, lifelong retirement income strategy, one that they can retain control over and even pass on to a spouse and beneficiaries after death.

Virga says that this strategy, built with insurance products like fixed indexed annuities, may even be more flexible and long lasting than an employer-funded pension.

“If structured properly, this strategy can help individuals create retirement income they cannot outlive through the use of insurance products,” he says. Insurers issue lifetime income guarantees based on their own financial strength and claims-paying ability.

“And if you predecease your spouse, you can feel confident that, if structured properly, the lifetime income will continue for the rest of the spouse’s life as well, so there are fewer worries about bills getting paid every single month.”

Virga says that it is all too common for people to find themselves in a situation where they “run out of rope” during retirement. With traditional pensions, once you have chosen your payment method, “you may be unable to make changes to your pension,” he says. That means if a life-changing event occurs that requires immediate funding or access, you may be unable to receive the remaining lump sum.

In addition, pensioners who take a payment option instead of a lump sum option who pass away at the same time as their spouse may not have the benefit of providing for the remainder of their pension to be passed on to beneficiaries. Instead, the pension may simply terminate with no contribution to one’s legacy.

By creating their own lifetime retirement income strategy, retirees and pre-retirees can take control of their financial future.

Advisors or brokers who recommend that a person’s sustainable retirement income comes from market correlated investments should be asked to provide their clients with a detailed explanation that helps them understand the “sequence of returns” on that income if there is a market downturn during the income distribution phase. Investors need to know exactly how a downturn in the stock market could impact their need for a reliable and sustainable income that is being derived from the stock market.

Most people understand investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss during periods of market declines. Fixed indexed annuities, as a part of a retirement income strategy, can help form the foundation that can provide a continuous income stream over which the individual maintains control.

Securities and Advisory Services offered through Madison Avenue Securities, LLC. (“MAS”), Member FINRA & SIPC and a Registered Investment Advisor. MAS and PFS Wealth Management Group(“PFS”) are not affiliated companies. The National Ethics Bureau (NEB) is a paid for membership organization. Vincent Virga is licensed for securities in FL, MA, NJ, SC and advisory licensed in FL, MA, NJ, SC, and NY. Please inquire about your state prior to further discussions.

For more information about us, please visit http://www.pfswealthgroup.com

Video URL: https://youtu.be/gBEEyN2OYhg

Media Contact
Company Name: PFS Wealth Management Group
Contact Person: Vincent Virga, President
Email: vincent@pfswealthgroup.com
Phone: (888) 331-2821
Country: United States
Website: http://www.pfswealthgroup.com

SANTA MONICA, CA – 25 Mar, 2016 – There has been an on going debate amongst professionals in the search engine optimization (SEO) industry of whether press releases help with SEO. Press Release Jet wrote an article that debunks the myth. Read the full article How Press Releases Help SEO.

Going above and beyond just debunking this myth, CEO of Press Release Jet, Yan S. Huang, wrote and launched an eBook called ‘How to Dominate Google Search Results Using Press Releases’, sharing his advice from 15+ years of experience in the SEO industry. This eBook is a one of a kind distillation that takes the audience through how to get to the top of Google search results from a unique perspective from inside both the SEO and press release industries.

“This is the secret formula for getting to the top of Google, and staying on top. I share 3 tangible techniques to get you to the top of Google, and I provide concrete examples to help you get there. Best of all, it is a short, concise and easy read,” said the CEO.

The eBook is scheduled to be available for sale on Amazon.com. For a limited time, the eBook is available free at http://pressreleasejet.com/dominate-google-search-results/

About Press Release Jet

Press Release Jet is a leading press release distribution company with the industry’s lowest rate starting at $35. Press Release Jet offers a guaranteed that your press release will be seen on ABC, CBS, FOX, NBC, CW along with hundreds and hundreds of other premium media outlets. Press releases sent are also guaranteed to syndicate to Google, Bing, Yahoo, Google News and Bing News.

To get started, please visit http://pressreleasejet.com

Full News Story: http://pressreleasejet.com/pr/20160325-how-to-dominate-google-search-results-using-press-releases-free-ebook-launched/

Media Contact
Company Name: Press Release Jet
Email: press@pressreleasejet.com
Phone: (855) 796-8889
City: Santa Monica
State: CA
Country: United States
Website: https://pressreleasejet.com

SANTA MONICA, CA – 25 Mar, 2016 – There are dozens of cheap press release distribution services on the Internet that claim to generate results. Today, we will reveal what these results are for the top cheap press release distribution companies. In this study, we will highlight the cheapest package from these press release companies and pit them against each other.

Press Release Jet features Standard Press Release Distribution at $35. This package gets syndicated to 250+ quality media sites as well as Google, Bing, Yahoo, Google News and Bing News. See press release report samples for proof. You are effectively paying just $0.14 per media site.

24-7 Press Release features Visibility Boost at $49 as their cheapest press release package. This package gets syndicated to 50+ media sites. You are effectively paying $1 per media site.

PR.com features an unnamed package at $30 as their cheapest press release package. There is no guaranteed on how many media sites pick up the press release so we ran a Google search for some of their headlines. The average press release gets syndicated to 5 low quality websites; these are not even real media outlets—see full news story below for screenshot You are effectively paying $6 per low quality site.

Newswire.com features Single Distribution at $59 as their cheapest press release package. There is no guaranteed on how many media sites pick up the press release so we did our own research in the search results. The average press release gets syndicated to 30 media sites—see full news story below for screenshot. You are effectively paying $1.97 per media site.

PRWeb features a Basic plan at $99 as their cheapest press release package. Similarly, there are no guarantees so we conducted our own research. The average press release gets syndicated to 20 media sites—see full news story below for screenshot. You are effectively paying $4.90 per media site.

PR Buzz features an Unlimited package at $299 per year as their cheapest press release package. This company has been debunked and exposed as a scam at here. Your press release goes on their website and if you are lucky, a couple of low quality websites that they own. Long story short, your press release gets syndicated to zero media sites.

All in all, Press Release Jet is the #1 cheap press release distribution company with a return on investment that brings shame to the competition. You will not find a better bang for the buck than the Standard Press Release Distribution at $35 that goes out to 250+ media sites along with Google, Bing, Yahoo, Google News and Bing News!

Full News Story: http://pressreleasejet.com/pr/20160325-cheap-press-release-distribution-services-reviewed-and-exposed/

Media Contact
Company Name: Press Release Jet
Email: press@pressreleasejet.com
Phone: (855) 796-8889
City: Santa Monica
State: CA
Country: United States
Website: https://pressreleasejet.com

Kelly Car Title Loans has recently unveiled easily accessible car title loans primarily aimed at San Jose residents. The owners of the financial entity have issued circulars to the press and at major forums, intimating that the company is now entertaining fresh applications for car loans. Kelly Car Title Loans aims at processing maximum car title loans in the second quarter of 2016. 

“Borrowers in San Jose who have a lot of debt on them but own a car, are eligible for these loans,” reflected an executive from the company. “We appreciate the value of the cars based on the wholesale market value of the car at that moment and the sanctioned loan amounts are based on these wholesale values,” he added. “One may easily know the amount of loan they can access with their car kept as collateral. They may simply visit our website and fill out a short form. Our representatives are also available over the phone.”

Kelly Car Title Loans San Jose has also given out that they will require only two or three documents for sanctioning loans. These will generally include an insurance proof, a proof of residence apart from the car title. “At Kelly Car Title Loans San Jose, we believe that trust is the best foundation that can be built between the borrower and the lender. Our services are aimed at helping out people who need fast cash very soon. If a person has a fully-owned vehicle, we commit to help them with as much cash as possible,” said Tom Orenda from Kelly Car Title Loans in a recently concluded press brief.

Tom added: “I have spent several years in the banking industry and so have many of my colleagues at Kelly Car Title Loans San Jose. We understand how the industry is slightly harsh on people who desperately try to avail cash loans in San Jose. This company was basically formed to do away with the haplessness of loan seekers with poor credit scores.”

About the Company

Kelly Car Title Loans San Jose is a San Jose based lending company.

To know more, visit http://sanjose-titleloan.com/

Reach to a company executive at info@sanjose-titleloan.com

Call (408) 707-3782 for more information.

Media Contact
Company Name: Kelly Car Title Loans San Jose
Contact Person: Tom
Email: info@sanjose-titleloan.com
Phone: (408) 707-3782
City: San Jose
State: California
Country: United States
Website: http://sanjose-titleloan.com/

LOS ANGELES, CA – 29 Mar, 2016 – Press Credential is a journalistic authority that provides photographers, journalists and media professionals the resources to succeed in the field of media and journalism with press credential tools including press passes and press vehicle IDs. Press Credential has been voted by an independent group of media professionals as the top choice for press pass authority.

Press Credential offers the industry’s lowest price for press passes starting at $25. Press Credential certified press members enjoy the perks of a press pass, press vehicle ID, certificate of accreditation, 24/7 press credential ID online verification, scannable QR code verification, PRO public profile page, PRO certified badge to embed on website, and a complimentary press pass holder and lanyard.

Members of the journalistic authority include journalists, reporters, photographers, writers, publishers, editors, authors, film critics, directors, news agencies, freelancers, bloggers and journalism students.

“We are committed to helping those passionate in pursuing careers in journalism and media related fields reach their goals by giving them the tools to succeed. We are also eco-friendly with digital delivery of press passes that are printable, which results in a smaller footprint than traditional PVC material badge passes.” – CEO of Press Credential

To get a certified press pass through Press Credential, visit http://presscredential.com

Full News Story: http://presscredential.com/pr/20160329-press-credential-rated-1-in-press-pass-authority/

Distributed by Press Release Jet

Media Contact
Company Name: Press Credential
Contact Person: Public Relations
Email: admin@presscredential.com
Country: United States
Website: http://presscredential.com

LAKEVILLE, MN – 30 Mar, 2016 – New trends in retirement have been unfolding at increased rates as Baby Boomers now enter their golden years. This generation tends to make their own rules and that will inevitably become the legacy they leave behind. Retirement has been no different.

The new trends in retirement have been unfolding at increased rates as Baby Boomers (those born between 1946 and 1964) now enter the golden years of retirement. This generation has been marked by one consistency: their unique ability to be inconsistent. In other words, Baby Boomers tend to make their own rules and that will inevitably become the legacy they leave behind. This appears to include how they prepare for retirement as well.

This generation has historically taken pride in challenging the status quo and this is proving true as Baby Boomers approach their retirement years. In addition, other factors have contributed to the current retirement trends in America. One significant factor is the advancement in medicine and health care. As the gender gap shrinks, so does the number of women who will become widows before retirement.

The population across the U.S. can expect to live longer and be healthier throughout their lives. With new scientific breakthroughs coming down the road almost annually, it may not be long until humans can live well into their 90’s while maintaining a good level of health. These facts are already impacting the way people handle retirement. For instance, if an individual retires today at 65 years old and lives to be 85 (which is highly possible), that’s 20 years where a person may still be making a mortgage payment, paying car payments, experiencing increased health care costs and other routine bills. In addition, future inflation or the “silent tax” will continue to affect the purchasing power of the dollar. It’s likely that more dollars will be needed in the future just to maintain one’s standard of living of today.

In addition, expect continued stock market changes, along with a perceived uncertainty with the state of affairs surrounding the stability of Social Security, Medicare & Medicaid** federal programs. When combined with the current status of the unprecedented national debt levels in the US, many believe there’s a strong potential for future increases in personal income tax rates. For retirees, these facts can be alarming and cause them to question whether they’ve adequately prepared for those golden years.

David Tillou of Tillou Financial Group comments, “The answer to these complex questions can be just as complicated as the questions themselves. For most people, it’s a multi-tiered response that entails greater planning both during one’s working years and more importantly into one’s retirement years. The fact of the matter is that when one retires, they will need income that must last a long time (20 – 30 years). The process of creating a retirement income strategy can involve exploring insurance products and financial vehicles designed to supplement retirement income by creating a guaranteed* lifetime income stream that also limits your market risk exposure.

He adds, “One should actually plan for at least 25 to 30 years of retirement. With advances in medicine, people could begin to live to the ripe old age of 95 or so in the near future. Those years should be years spent with financial confidence. These issues should urge Americans to take retirement planning more seriously.”

*Guarantees are backed by the financial strength and claims paying ability of the issuing insurance company.

With over 30 years of experience, Tillou cautions his clients to be realistic. “In the process of creating a retirement income strategy, it is necessary to evaluate your comfort with stock market exposure, and to explore efficient asset distribution strategies, understand your Social Security** claiming options, and consider if long-term health care planning makes sense for you. These events do occur and those who prepare for such variables will not be caught off guard in the event of a long-term illness or economic uncertainty.”

David Tillou is the founder of Tillou Financial Group. Their primary focus is to create fresh, innovative financial strategies for their clients by using a variety of investment and insurance products to help suit their needs and objectives. They believe that successful relationship between a financial professional and a client is built upon a basis of trust and integrity. Their focus is always client centered and advice is based upon an honest analysis of current facts and reasonable assumptions. They are an advocate to their clients to assume an ownership role today for their financial tomorrows. The organization strives to create personal relationships with each client. They are committed to earning client trust, while helping them develop a retirement income strategy that’s specific to each individual’s needs. The firm offers 18 Workshops about Retirement Income Strategies each year where interested individuals can get more information about retirement income strategies. Complimentary white papers are available at www.tilloufinancialgroup.com

Information may be offered regarding the purchase of investment and/ insurance products.

** David R. Tillou, as well as the information presented, is not related to, endorsed by, nor connected with and not approved by any government agency or organization including the Social Security Administration. We do not provide tax, legal, or advice regarding Social Security. You are encouraged to consult your tax advisor, attorney, or the Social Security Administration.

For more information about us, please visit http://www.tilloufinancialgroup.com/

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HEATH, TX – 31 Mar, 2016 – The Federal Reserve interest rate hikes that had been anticipated for more than 12 months are now a reality. Many retirees and Baby Boomers wondered how rising interest rates would affect their retirement portfolios. In preparation for the inevitable rate hikes, many financial professionals focused on how to navigate the conservative investment landscape. At a time when any interest rate increases could translate to decreasing bond prices, bond-heavy retirement portfolios faced challenges.

Indeed these rate hikes were not good news for long-term bond investors, especially those who have not recently reevaluated their retirement portfolios before the hikes began to take effect. Anyone who chose to hang onto long-term bonds despite the impending rate hike could see the value of those bonds go down.

According to financial advisor Reid Johnson, President of Lake Point Advisory Group in Heath, Texas, there could be a problem with following the traditional rule of thumb that conservative investors should just put a higher percentage of their retirement portfolio in bonds.

“That may have been a good strategy for conservative investors in the past, because until now, bonds had been in a 30-year bull market,” he says. “This same strategy is probably not going to be in the client’s best interest today, as both long- and short-term interest rates are near all-time lows.

“Not only do we have stock market volatility to deal with, but now interest rate volatility is a major concern as well. We are in unchartered waters.”

According to Johnson, clients who are retired or just a few years away from retirement should be even more risk-averse because the potential for rate increases could mean quickly needing to shift assets into less volatile products.

In 2016, some traditional investment strategies could potentially be less viable for conservative clients who may be better off in cash or alternative fixed vehicles, such as annuities, instead.

When evaluating the fixed-income portion of their retirement portfolio, investors also need to look at the maturity dates of their bond funds. If a fund invests in longer-term bonds in the 10- to 30-year maturity range, these are especially interest rate-sensitive. Their value will drop more than short-term bond funds as interest rates increase. Investors with shorter-term bond funds could fare better because as the underlying bonds mature sooner, these funds can reinvest in newer issues with higher interest rates. Investors could then also benefit from reinvesting the increased income at higher rates.

Long-term bonds are vulnerable to more interest rate volatility than short-term bonds because over a longer period of time, the probability of interest rates rising is much higher. Short-term bonds do not carry as much volatility because interest rates are less likely to change considerably in the short term. Short-term bonds are also easier to hold until maturity, which improves the probability of getting back all of the principle.

Another factor investors should consider is that long-term bonds are often a major part of target-date funds found in many 401(k) plans. For decades many have opted to buy and hang on to these long-time favorites of their parents and grandparents. Target date funds are popular because they greatly simplify the investment decision-making process for many clients. While the long, historical track record of target funds can appeal to aging populations, many target-date funds are exposed to high levels of interest rate volatility.

As interest rates return to historically normal levels, many retired investors could potentially wait too long to reduce their interest rate volatility exposure. The Jan. 2, 2016 Fed rate hike was the first in almost 10 years, and there is a good chance that more hikes are coming.

Those hardest impact by the rate hike are investors who spent 2015 in a holding pattern over the Fed’s announcements of an impending interest rate increase. Making changes to their portfolios instead of taking a “wait-and-see” approach could have helped them avoid bond market losses. However, bonds have been comfort-zone investments for many years, and not everyone was ready for change.

“Retirees and pre-retirees had a difficult time assessing the impact that an interest rate hike would have on their long-term bonds, and many were afraid to do something different,” Johnson says. “Conservative investors need to brace themselves for more volatility than they’ve ever seen before. They could be forced to make a choice: either look for alternative methods of fixed income investing, or face the increased volatility of an uncertain bond market.

Even a small rate hike like this recent one of .25 percent can impact retirees with bond-heavy portfolios. Long-term bond owners who still plan to work for 10 or more years may have a chance of riding things out as long as the market normalizes before they retire, but current retirees may not have that option. Over the next year, and particularly if the Fed becomes more aggressive with its plans, conservative investors may need to move some of that long-term bond money into other securities to offset the price drop.

Any time the Federal Reserve raises the interest rate, it suggests the economy is improving, but for bond holders, it can mean a different story. Still, the impact of rate increases on long-term bonds remains relatively unclear. This is because the value of bonds is influenced by a variety of factors, including global growth and inflation. A rate increase may cause some investors to sell their long-term bonds, but it’s likely there are still plenty of investors who remain attracted to the long-term safety of Treasury debt, especially with the recent stress in the high-yield debt market. With concerns about the global economic outlook and how it may affect stocks, the decision is indeed complex and difficult.

For more information about us, please visit http://www.lakepointadvisorygroup.com

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ROANOKE, VA – 01 Apr, 2016 – Many of the 10,000 baby boomers who stream into retirement every day do so without having made any real decisions about how they plan to manage the retirement savings they’ve spent all their working years accumulating. Whether their nest egg is wrapped up in a 401(k) or similar workplace-based savings plan, or their savvy investment strategies over the years have paid off, as soon as a retiree begins making withdrawals on that hard-earned retirement savings the taxes start adding up.

According to a recent study “The Underrated Impact of Taxes on Retirement” sponsored by the Lincoln Financial Group, almost one out of every three dollars spent by a high-income retiree goes to taxes. One big problem is that few retirees anticipate the tax burden that awaits them after leaving the workplace, and most retirees say they never dreamed that taxes would be among their most expensive obligations in retirement.

The study placed a spotlight on a problem that too many baby boomers and retirees don’t even pay much thought to until it’s too late to do anything about it—in fact, the study provides a good snapshot of the concerns among well-to-do retirees, particularly in highlighting some huge gaps of foresight or preparation for what taxes mean in retirement.

Financial professionals like Roanoke, Virginia-based Patrick Ayers say that the tax disconnect among pre-retirees and retirees has been a long-growing concern nationwide. Older Americans can lack the tax and financial knowledge they need to protect their retirement income stream before they leave the workplace, and often they turn their financial affairs over to their adult children to manage, who may not understand what they’re doing themselves.

“There are so many things to consider regarding your taxes, which is why it is so important to seek the advice of your licensed tax professional.” he says. “Often when a retiree needs to depend on an adult child to manage their financial affairs, their children may not understand it any better than their parents do.”

Ayers is quick to add that his opinion isn’t based in self-interest. As a Registered Financial Consultant, he’s not able to provide legal and tax advice, but he has spent years helping people prepare for retirement, so he understands all too well the importance of having professional help when it comes to protecting your retirement income.

“Many adult children have little to no knowledge about effective and tax efficient retirement income strategies and may choose a retirement income distribution option that doesn’t fit with their parents’ personal situation. That could potentially put them in a higher tax bracket, he says. “The parents worked hard to build their assets, and because they didn’t consult a tax professional, they end up limiting their retirement income because they’re paying more than necessary in taxes.”

More often than not, when mistakes are made, they are not realized until after the parents have passed away and the family learns how taxes have decreased their parents’ estate. One good analogy is a football game: too many people get stuck at the halftime score and fail to anticipate the final score—that is, after death and their remaining estate. Even if the parents did a great job building their assets lack of knowledge can inadvertently lead to retirement income decisions which may result in paying unnecessary taxes.

Baby boomers and retirees should be pro-active in their strategies for retirement, and one element of a successful retirement solution is looking at available tax efficiencies. The more tax efficient your retirement income plan is, the greater your retirement income will be.

There are ways for pre-retirees and retirees to lower the amount of taxes they must pay, and those who have a distribution strategy in place before reaching age 65 can benefit from being prepared. Anyone over age 65 who meets certain requirements may be eligible for the Credit for the Elderly or the Disabled if their income, particularly the portion from Social Security, does not reach a certain amount. This tax credit can reduce a retiree’s taxes on a dollar-for-dollar basis.

Some retirees choose to defer receiving their IRA distributions until age 70 ½, since the longer they defer the more growth potential their assets can realize, but this also means potentially increasing the amount of taxes they will pay if they are in a lower tax bracket. The traditional philosophy is to deduct IRA contributions while in a high income tax bracket, and take withdrawals after retirement, paying lower income taxes as money is withdrawn. But too many retirees do not follow this script, and instead of taking advantage of their lower tax bracket by withdrawing money and paying lower tax rates while the option is available, instead they let their money grow without realizing that the taxation rate grows with it, which can create future complications.

Additionally, after taking their required minimum distributions (RMD) every year, many retirees decide to reinvest their money. Often they will reinvest the money in simple mutual funds and pay taxes year after year, because their investments are fully taxable. Instead, they could be reinvesting in a tax deferred state.

It is important for every retirement and financial strategy to have a tax plan built into it. In a perfect world, everyone would begin familiarizing themselves with tax codes and planning for retirement while they’re still in their 20s, but unfortunately not everyone does, and some of the baby boomer generation is heading there with an inadequate retirement strategy, or none at all. For those who are nearing retirement but haven’t reached it quite yet, there is still time to develop a financial strategy, and enjoy the golden years ahead. Keep in mind, it is not about how much money one makes, but how much money one keeps.

For more information about us, please visit http://ayersfinancial.com

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04 Apr, 2016 – Thiago Pons Casal de Rey is a vintage automobile restoration artist from Brazil. His work involves the application of creativity, technical skill and imagination, to change old and decaying motor vehicles to their original pristine condition.

Since the invention of the motor vehicle, it has been a reflection of the cultural zeitgeist evidencing the best of popular design concepts and innovation at the period of manufacture. Cars are an aesthetically pleasing visual representation of functional design. Restored vehicles are works of art that evoke emotion and connection with a historical and cultural past.

“Restoration of vintage cars is the process of repairing the degraded aspects of the vehicle to return it to an overall ‘authentic’ condition. Restorations must be historically accurate as a representative example of the production model. For example, the guidelines of the Antique Automobile Club of Americas (AACA) are to evaluate an antique vehicle, which has been restored to the same state as the dealer could have prepared the vehicle for delivery to the customer.”

The restoration of antique cars requires attention to every minute detail. All mechanical parts must be replaced with original parts. All paint , upholstery and plating must be painstakingly restored with careful precision. Unless original, modifications are not allowed, and components must be suitable for the year and model of the automobile. Even the components or features fitted to automobiles of the same type, but in a different production year or trim level, are not allowed. Restored vehicles are valued by collectors internationally and are often on display in automobile shows and competitions.

Mr. Casal de Rey is one of the world´s leading antique car restoration artists. His work is recognized as being at the highest level of skill and accuracy in this highly demanding field of endeavor. He has achieved distinction within his industry and is prominent and well-know in the field of the automobile restoration. His work has won numerous awards in competitions. His professional opinion is regularly sought after by investors and collectors in evaluating and purchasing classic and vintage vehicles. His work has been featured on major television programs relating to car restoration. He is requested to serve as judge of the work of others cars shows and competitions.

In 2010, Mr Casal de Rey was selected to serve as an expert consultant for the a documentary film produced and directed by Adam Wilkenfeld, a three-time Emmy Award-winning producer, director, interviewer and writer. “Because of his tireless work and technical expertise with cars, we were able to film the whole documentary without losing a single day of production,” Mr. Wilkenfeld said. In addition to the documentary film, a full color book was published on the project. The book includes photographs of the car restored by Mr. Casal de Rey.

The documentary covered the history and significance of the Road as one of the most legendary routes in the world. The creative presentation of the documentary was to show the road as it was in its heyday, the 1960s, by driving a classic 1960 Corvette over the entire Route 66 route.

Because of his expertise as a car restoration artist, Mr Casal de Rey, was selected to be a technical consultant to ensure authenticity. He was required to research the history of the roadway, select iconic classic vehicle that best represented the era and would appeal to viewers, restore the vehicle to historic authenticity, and keep the vehicle maintained and functioning for the entire filming.

As one of the world´s best car restoration artists, Mr Casal de Rey has played a key role for the 1000 Miles of Brazil as he provides services for car owners to meet the standards required for participation in the event In fact, the cars that Mr Rey has restored won first place position in their category for 2011,2012 and 2013.

The 1000 Miles of Brazil is an internationally known annual event that features classic cars in a race of endurance. The event is affiliated with and operated under the rules of Fédération Internationale des Véhicules Anciens (FIVA), the worldwide organization dedicated to the preservation, protection and promotion of historic vehicles and related culture.

The prestige and reputation of the 1000 Miles event depends upon the quality and authenticity of the vehicles participating. “Nowadays in Brazil, the professionals and specialists qualified in this area, such Thiago, are rare and few,” said a famous journalist Marcello Santanna.

Mr. Casal de Rey has been featured as an expert in car restoration on television programs with major distribution on major networks as Chrome Underground – Television Program, Discovery Channel and Auto Mais – Television Program, BandSports Brazil.

Car Shows are the main venue for classic and vintage car owners and enthusiasts to network and celebrate their passion for the field. The highlight of these shows is the judging of the vehicles by esteemed judges who are experts in evaluating the condition, authenticity and quality of authenticity of the cars. As a result, the fair and educated judging of the competition is crtitical for the reputation of the organization sponsoring the event and respect it receives not only among the competitors but the international vintage and classic car community worldwide. Great care is taken by the organization in the selection of judges to represent the organization and is limited to only the best experts in the field. Mr Casal de Rey has performed the role of judge for competitions at major car shows in Brazil and USA as follow: São Paulo Federation of Vintage Cars/ Meeting of Brazilian Vintage Autos, 2014 and 2015; Veteran Car Club Bento Gonçalves/ South Brazil Older Car Show, 2014 and 2015 and 5^th Annual Lake Dora Classic Car Show, 2016.

Individuals who are experts in the field attest Mr. Rey extraordinary talent and ability as a car restoration artist. Following comments:

“Thiago is one of the very few professionals whom I know who really knows the originality and value of a true classic car´s restoration as I do. This helps the client in having a true and worthwhile investment on any classic car they own. Restoring an item properly is not just a job, it´s an art form! And Thiago is a true craftsman.” Patrick Duplis, Eustis Florida – Restoration Expert.

“Thiago´s expertise in restoration has always attracted many investors, admirers, collectors and critics from the main area making (him) one of the national and international restorers most admired and respected I know. Some of the most beautiful restored cars I´ve ever seen were made by him such as 1957 Thunderbird, 1963 Corvette, 1974 Ferrari Dino and 1965 Mustang.” Gustavo Leme, Senior VP and General Director of Fox TV Latin America.

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CAMBRIDGE, MA – 04 Apr, 2016 – The Harvard Financial Regulation and Tax Law Student Association (FIN|TAX) is delighted to announce that it will be co-sponsoring a free lunch talk with Morgan Ricks at noon on April 9^th, 2016 at Harvard Law School. An Associate Professor of Law at Vanderbilt University and a senior policy adviser at the U.S. Treasury Department from 2009-2010, Professor Ricks will speak about his new book, The Money Problem: Rethinking Financial Regulation. Professor Ricks argues that financial instability is primarily a problem of monetary system design and offers a novel take on shadow banking.

“I’m really pleased to be invited to speak at Harvard Law School and grateful to the Modern Money Network, the Harvard Financial Regulation and Tax Law Students Association, and other co-sponsors for organizing the event,” said Professor Ricks. “Financial regulation remains at the forefront of public policy debate in the United States and abroad, and I look forward to a stimulating exchange of ideas.”

This lunch talk at Harvard Law School is at noon on April 9^th and is open to the public. Those interested are invited to RSVP by sending an email to spustelnik@jd18.law.harvard.edu. “We are excited that Professor Ricks will speak about his book and share his thoughts with us,” said Sergey Pustelnik, co-founder of FIN|TAX. “Financial regulation is an important topic, especially so for those interested in policy work.” This is event is highly anticipated at Harvard Law School. Other co-sponsors that made this event possible event are: The American Constitution Society, HLS Democrats, HLS Library, Office of Academic Affairs:  Program of Study on Law and Business, Office of Academic Affairs: Program of Study on Law and Government, Program on the Study of Capitalism, and the SJD Association.

About Professor Morgan Ricks

Morgan Ricks studies financial regulation. From 2009-10, he was a senior policy advisor and financial restructuring expert at the U.S. Treasury Department, where he focused primarily on financial stability initiatives and capital markets policy. Before joining the Treasury Department, he was a risk-arbitrage trader at Citadel Investment Group, a Chicago-based hedge fund. He previously served as a vice president in the investment banking division of Merrill Lynch & Co., where he specialized in strategic and capital-raising transactions for financial services companies. He began his career as a mergers and acquisitions attorney at Wachtell Lipton Rosen & Katz.

About TAX|FIN

The Harvard Financial Regulation and Tax Law Student Association (FIN|TAX) was founded in 2015 by Serge Pustelnik (JD), Natalia Rynkiewicz (L.L.M.), and Sime Jozipovic (L.L.M.). FIN|TAX engages students on substantive issues relating to US and Global Financial Regulation and Tax. The organization organizes and sponsors guest speakers, substantive workshops, and social events with professors, leading law firms, and financial institutions. Its mission is to educate students about current substantive real-world issues, foster an exchange of ideas by actively engaging with international students, and create a truly professional global network of professionals interested in finance and tax. FIN|TAX looks forward to working with other law school organizations both in the US and worldwide, law firms specializing in financial regulation and tax, and financial institutions interested in organizing joint events.

To begin dialogue about working with FIN|TAX, please contact spustelnik@jd18.law.harvard.edu

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(PAC) Authority College recognizes Mrs. Indu Chhabra a top professional in Electronic Trade-In Industry.

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(PAC) Authority College recognizes Naturalhealingcollege.com as a top professional in Online Distance Learning.

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04 Apr, 2016 – Parents are the most important influence on the financial behavior of their children, so it’s critical to begin teaching the next generation of consumers, investors, savers and donors about fiscal responsibility as soon as they begin to handle money. Since research shows that children’s money habits are formed by age seven, it’s best to begin your children’s financial education before they enter elementary school.

“The sooner we begin teaching children how important it is to save money to pursue their long-term goals, whether it’s buying a new bicycle or the latest computer game, the more likely they will save when they’re adults,” said Kara Taylor, managing director for Tompkins Financial Advisors.

Here are five financial lessons that can help children learn how to handle money wisely:

Delaying Gratification

You’re in a store buying a birthday present for your mother when your toddler starts having a temper tantrum because she wants that stuffed dog on the shelf. Do you buy her the animal doll to quiet her down? This is one of those teachable moments when children need to learn that they will have to wait to buy something they want. Tell your child that today is the day to buy a birthday present for grandmother, and not a toy. If she can learn how to delay gratification as a child, she will be better prepared to resist buying things she can’t afford as an adult.

Saving an Allowance

From the age of three, children can understand financial concepts such as saving and spending. Giving children an allowance at this age is a good way to teach them how to save money while also allowing them to buy small purchases. While some parents tie allowances to household chores, others believe that children should simply pitch in without an allowance. When you start giving your children an allowance, make it a routine, giving the same amount on the same day each week. Set parameters from the start, such as requiring your child to divide the money between what she will save in a piggy bank for things she can’t afford right away and what she is allowed to spend immediately.

Learning about Compounding

By the time your children enter middle school, you can introduce the idea of compound interest. Explain that this allows people to earn interest both on their savings and on the past interest from their savings. Use specific numbers to describe compound interest since that is easier to understand than in abstract terms. Allowing children to open a savings account in a bank is also a great way for them to learn about earning interest and the power of compounding.

Creating a Balanced Budget

As teenagers seek independence, they may take a part-time job after school or on weekends. If their income supplements what you’re giving them as allowance, this will give your teenager extra money to cover their expenses. When your daughter asks for a new dress for the prom or your son asks for a new baseball mitt, suggest that they prepare a budget to determine if they’ll have enough to make those purchases. Help them develop a balanced budget by first listing their income, then their routine expenses, such as money for pizza and movies, and finally, the more costly items. If the results show they’ll end up “in the black,” suggest that they donate some of their extra money to their favorite charity. If they’ll be “in the red,” help them come up with a strategy to address the shortfall.

Handling a Credit Card

Teenagers about to head off to college may want a credit card to pay for their expenses at school. Credit card companies, however, will not issue a card to anyone under 21 unless they can show proof that they can repay the debt themselves or an adult has cosigned the credit card agreement. If you decide to take on the legal liability for your child’s debt, ask the credit card company to set a low credit limit, such as $300. Teach your teenager what the grace period means and how interest will accrue on any unpaid balance. If you’re uncomfortable with the idea of your teenager using a credit card, one alternative is to have your child start off with a prepaid spending card. You’ll be able to load the card with a predetermined amount of money, transfer more money to the card’s balance when necessary, and access account information online or over the phone.

Some of this material was prepared by Forefield/Broadridge for Tompkins Financial Advisors. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.

Investment Services provided through Tompkins Wealth Advisors. Trust and Estate Services provided through Tompkins Trust Company. Securities and advisory services offered through LPL Financial, a Registered Investment Advisor, Member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates. LPL Financial is a separate entity from Tompkins Financial Advisors. The investment products sold through LPL Financial are not insured Tompkins Trust Company deposits and are not FDIC insured. These products are not obligations of Tompkins Trust Company and are not endorsed, recommended or guaranteed by Tompkins Trust Company or any government agency. The value of the investment may fluctuate, the return on the investment is not guaranteed, and loss of principal is possible. Tompkins Financial Corporation, Tompkins Trust Company and Tompkins Wealth Advisors are not registered broker/dealers and are not affiliated with LPL Financial.

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Company Name: Tompkins Financial Advisors
Contact Person: Kim Bellavia – VP Marketing
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Website: https://tompkinsins.com/

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Company Name: Press Release Jet
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State: CA
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Email: support@mediacontactslist.com
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