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‘Where Will You Live In Retirement?’ Silverman and Associates Wealth Management, LLC

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Silverman and Associates Wealth Management, LLC

When it comes to making a decision surrounding where you will spend your retirement, the options are seemingly endless. Whether you enjoy the coast or have imagined relaxing in the mountains with only the concern of which hike to conquer that day, deciding where and how to spend your retirement years should be exciting.

You’ve spent your life working hard to get to this point and there are many factors to consider in relation to how your next chapter should unfold. In order to get a better understanding of how to get where you’re meant to be it’s important to be organized, do your research and ask the right questions.

You Are Not Alone

Keep in mind that you aren’t the first to make such a huge decision. While the details may feel daunting, it’s important to stay rooted in not only who you are but what you still plan to accomplish. When it comes to your retirement, your assets and finances should be manageable, not stress-inducing. It’s your time to enjoy this chapter in life.

Maybe retirement to you means relaxation, finding stillness or coming to terms with who you are and where you’ve been. It could also be the opportunity you’ve been waiting for to take chances, try new things and explore unknown territories. Either way, retirement should mean the start of a new and thrilling time in your life full of possibilities that you have worked hard to experience.

4 Top Considerations When Deciding Where to Live In Retirement

Consideration #1: Finances

Being aware of what you can afford and how your finances will impact the details of your retirement is key when it comes to the location of your new home. Understanding the details of your assets and how they can be handled over time will help ease any financial stress or burden.

For some people, living in an area that offers more tax freedom is a non-negotiable detail. There are currently seven states that do not have personal state income taxes, while another twenty offer considerable tax breaks on retirement income.1 Choosing a location with a smaller tax break but a lower, and seemingly more ideal, cost of living may be what you’re looking for. Ultimately, focusing on your life plan will lead to happier years ahead.

Consideration #2: Family

Over the years, we tend to develop a better understanding of how important family is and ultimately, what it means to us as individuals. If you’re someone who has a close bond with your family, that might be something that keeps you from moving farther from them during your retirement. In these years, being closer to them might just be what you’ve been waiting for. On the other hand, many families don’t have that connection to share. For them, being solo is something to embrace during this time as they truly get to know themselves and meet new people experiencing similar situations.

Consideration #3: Location & Weather

Location, location, location! We hear it all the time as we buy or sell property and that only continues through retirement. Doing research on your potential next home should involve delving deep into the details of weather and specific location. Does your next chapter involve blue skies year-round or is there potential for hurricanes or tropical storms? Having visited your dream location at a particular time of year doesn’t always mean it’s the same throughout all 12 months. Maybe this is your time to consider a life of travel in which you have a varying home from time to time – waves in the winter and hills in the summer. Surprises can be thrilling, but not necessarily when it comes to rising and falling temperatures.

Consideration #4: Familiarity

One mistake that many retirees make involves planning for your life ahead based on the stage of life you’re currently in.2 You may be comfortable in your skin now at the age of 60, but who’s to say you won’t want to broaden your horizons and experiences through your 70’s and 80’s. We tend to make safe choices based on what we know and what is familiar to us.

On the other hand, you may very well be someone who isn’t interested in change and that’s perfectly fine too! Surrounding ourselves with familiar territory is a common human trait and one that many aspire to include in their lives. Whether you are ready to skydive and take new chances, perfect your golf game and spend time with your family, or a combination of these, your upcoming years should be yours to do with what you want.

Companionship is Key!

As we get older, we begin to understand just how difficult it can be to meet new people and build impactful relationships. We’ve experienced so much at this point that it can be tough connecting with just anyone. On the other hand, there is still a tremendous amount of life to experience and doing that alone can be just as difficult.

If you’ve built and kept friendships or remain close with your family members and loved ones then you are truly lucky. Alternatively, if you are less surrounded by close companions, this is your time to try something new, join a local meet-up group or consider moving to a community that provides endless opportunities to meet others.

Retirement should be an exciting chapter in your life and by preparing for the details of where you will spend this time, you will flourish for years to come.

  1. https://taxfoundation.org/state-individual-income-tax-rates-brackets-2019
  2. https://www.kiplinger.com/article/retirement/T037-C000-S004-how-to-pick-the-best-place-to-retire.html

This content is developed from sources believed to be providing accurate information, and provided by Twenty Over Ten. It may not be used for the purpose of avoiding any federal tax penalties. Please consult legal or tax professionals for specific information regarding your individual situation. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.

Media Contact
Company Name: Silverman and Associates
Contact Person: Mark Silverman

Phone: 520.512.8832
City: Tucson
State: Arizona
Country: United States
Website: https://silverman-associates.com/

 

Turnt84 releasing brand new single: It’s Crayy

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November 2019 – Turnt84 is a recording artist who just came up with a brand new release, a single titled “It’s Crayy.” This tune is a true banger, with a massive sound and some exciting performances, setting the bar higher. Many artists in this space tend to stick to the usual cliches, but Turnt84 keeps things interesting by blending so many different ideas and styles, ranging from hip-hop to R&B, and pretty much everything else in between. This release has a sophisticated production, and a killer tone that allows the artist to express his talent fully, and make the most out of every segment of the performance.

 

This release is available all over the web right now, but it will officially be available on the best streaming platforms soon!

 

Watch out for the single on November 10th, as it will be available on Spotify and elsewhere:

 

New song: https://www.youtube.com/watch?v=BquyVyUjziM

 

Spotify: https://open.spotify.com/track/2fbI2dGdWbL2OlrwC7TgOY?si=_rl9zyQdQLW0UKcH0Kv0zA

Instagram: https://www.instagram.com/turnt84/

Youtube gaming: https://www.youtube.com/channel/UCfVYIIlNcjJsj0ymwPHD02A?app=desktop

Punk hip hop artist, Eve Minor, rushed to the hospital after being discovered unresponsive in her New York apartment.

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The songstress has been open about her traumatic upbringing and recent falling out with former musical project on her instagram. Her chronic depression and substance abuse issues may be at fault.

Her last instagram story on Halloween, alluded to doing “too much” and posting a timeline of withdrawal symptoms.

Sources close to the artist have claimed she has been having a tough few months with changing artistic direction, adjusting to sober living, and a recent traumatic breakup. She has not recently been in touch with former friends for a few months.

A source close to the star has said, “(Eve) is one of the most broken hearted young women I have ever met, she chases love and gets destroyed. All her music are like her diary entries and I pray for her everyday. She hasn’t been in contact lately, and everyone’s been worried sick about her.”

Her therapist cannot comment at this time.

There is currently no information on Eve’s current condition, however shes been admitted in Mount Sinai Hospital.

Bio:
EVE MINOR

New York based punk brat, Eve Minor, is a sassy good time. The girl your parents would never let you hang out with, Eve Minor brings a powerhouse energy to the stage every tour. Having sold out The Market Hotel with one of her key influences, LeftOver Crack, on the Manic Summer Tour, this is an artist that continues to make strides. A completely indie artist, she has gained much support from her peers and outlets such as The Source and Alternative Nation. She commands full attention on stage and is as exhilarating to listen to as to watch. Eve minor goes from charming, to nasty woman and everything in between. Drawing inspiration from a tormented life, Eve Minor sings songs of battles with depression, toxic love, addiction, and abandonment. Pulling strong influences from Black Sabbath, Portishead, Deftones, Janis Joplin, Rage Against the Machine, and Leftover Crack, she continues to cement herself as a truly unique sound in an age of carbon copies.

Instagram: @eveminor

For more info contact:
Parnell Gervais from Thorough Consulting
631.664.4927

New device helps users correctpoor posture

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Computers, typing, and sedentary lifestyles have made proper posture difficult to maintain. That’s why Winposture Technology Co., Ltd. is pleased to announce the introduction of their new back brace, Winposture.

More and more people around the world suffer from chronic back, cervical, and shoulder pain associated with poor posture and behaviors linked to work environments that aren’t conducive to the maintenance of correct posture and back alignment. Ongoing poor posture can lead to negative and long-lasting medical issues, expensive medical bills and possible surgical interventions.

 

Designed to provide support and help correct posture, Winpostureis wearable intelligence that can help ameliorate backpain associated with poor posture.

 

Winposture works both actively and passively to create proper spinal alignment. Unlike many other related products, Winpostureuses gentle vibration to actively remind the user to straighten their back and body. After the user putson Winposturefor the first time and correctly adjusts it, the device will calibrate itself to the user’s uniquebody type. 

“Many people don’t realize it, but good posture is something people notice and use to create a first impression,” saysWinposture spokesperson Bella Hibell. “Good, upright posture and walking speaks of self-confidence, self-reliance, and a better, more positive attitude in general.”

 

Available in sizes that fit almost everyone, Winposture is small enough to be worn under clothing and virtually invisible. It’s comfortable, too, and can be worn for extended periods in any number of different working and relaxing situations.

 

Winposture uses no batteries and can be easily recharged with the provided USB charging cable. A single charge is enough to allow a user to wear Winposture for an average 16-hour day.

 

“The ultimate goal is to train the body and muscles to maintain proper posture throughout the day,” says Hibell. “Over time, as their posture improves, the user will feel the reminders less and less frequently, although continued Winpostureuse is recommended to maintain muscle memory.”

 

More information about Winposture and well as schematics, a video and instructions on how to purchase the product are available at www.winposture.com.

 

Local Home Buyer “Great Northwest Home Buyers” to Launch Free Professional Valuation Option On GreatNorthwestHomeBuyers.com

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Great Northwest Home Buyers, a real-estate rehab and rental company based out of Auburn, WA, has announced that they will be launching a free “professional valuation” feature on their primary site, www.greatnorthwesthomebuyers.com.

Great Northwest Home Buyers buys homes in Pierce, Kitsap, King, Thurston and Snohomish county, focusing on serving those living in Bremerton, Auburn, Olympia, Tacoma and Spokane. They stated that they intend to offer the free valuation service to all counties in Washington state, including counties east of the mountains and on the peninsula.

The company announced yesterday that this feature will help homeowners who have no interest in repairing and fixing their house get an as-is valuation for their home.

When asked why they intended to launch the service, their founder Gabriel Petersen stated, “Most homeowners look towards real-estate agents and brokers for their professional valuation. The only problem is that retail real-estate professionals expect that the homeowner will repair and update their house before listing. Well, what if you don’t want to fix your house? What if you just want to sell it as-is? There’s no valuation out there for an as-is offer. We intend to fix that.”

The company representative stressed that homeowners should know they have a “no work, no hassle, fair offer” option in home buyers like Great Northwest Home Buyers, stating “Not everyone wants to go through the hassle of listing their house, fixing it up, and dealing with multiple months of closing. Some just want an as-is cash offer that closes in 14 days!”

Great Northwest Home Buyers stated that they can buy homes in as-is condition for cash or with seller financing, and close within 7 to 14 business days. This eliminates the head-ache of listing your home and going through the conventional sale process.

If you need to sell your house quickly, check out Great Northwest Home Buyer’s site at www.greatnorthwesthomebuyers.com to get a free valuation.

For all general media inquiries about Great Northwest Home Buyers, please reach out through their website at www.greatnorthwesthomebuyers.com. 

About Great Northwest Home Buyers

Great Northwest Home Buyers (www.greatnorthwesthomebuyers.com) is a real-estate company based out of Auburn, WA. They purchase homes in as-is condition for a fair market value, and are able to close within 7 to 14 business days.

Contact Information

Company Name: Great Northwest Home Buyers

Email: gabe@greatnorthwesthomebuyers.com

Country: United States of America

Website: www.greatnorthwesthomebuyers.com

Phone: 253-569-6237

 

Finances for Freshman: How to Prepare Your Kids for Financial Responsibility When Entering College

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Emotions often run high the day any parent drops their child off at college for the first time. It’s an important moment for families and one that symbolizes the start of a child’s independence. But as a parent, grandparent or guardian, you want your child to set their newfound independence off on the right foot emotionally, physically and financially. Working with your child to understand the financial responsibilities independence brings is a crucial step in preparing your kid for college. Below are a few ways in which you can work with your child to help them understand the impact healthy financial decisions can make on their time in college.

Preparation #1: Warn Them About Credit Card Offers

In 2009, the Credit Card Accountability & Responsibility and Disclosure Act was passed. One of its main purposes of the act is to help protect college students from falling prey to credit card offers they couldn’t resist. Before the act was passed, credit card companies were allowed to approach students right on campus and entice them with impressive giveaways that masked the true commitment and cost of signing up for their credit card. Now credit card companies are no longer allowed to offer giveaways to students on campus, near campus or at any university-sponsored events off-campus.1

While companies likely won’t try to buy your child’s business by giving away freebies, college students are still a targeted demographic for many credit card companies. Whether it’s through the mail, email, social media or over the phone, credit card companies are still finding ways to entice young adults (even underage students) into signing up for their card services. Before your child heads off to school, make it a priority to explain the real commitment signing up for a credit card comes with such as high-interest rates, payment due dates, late fees, yearly fees and more. Empower them with the knowledge they need to either ignore the offers altogether or do some digging to find a credit card that may best fit their needs.

Preparation #2: Be Selective in Your Financial Support

How much money a parent chooses to give their child over the course of a semester varies vastly. Some may be inclined to cover all expenses, others may want their child to be responsible for everything on their own. If you do choose to provide some financial support to your college student, it may be beneficial to be selective with how much you decide to give. Doing so can help create an important lesson for your child on the value of money, without leaving them completely cut off.

Depending on what you’re able to do, it may make sense for you to help cover your child’s room and board, meal plan, insurances, medical expenses, etc. But once the necessities are taken care of, you may want to consider leaving the rest up to your child. Without a steady or reliable source of income from you, it can quickly become apparent what are needs (food, school supplies, etc.) and what are wants (going out to eat, weekend trips, movies, etc.)

Whatever approach you decide to take, sit down and make the expectations clear before they head off to school.

Preparation #3: Discuss the Importance of Making Money Last

While some college students choose to work on campus to help supplement the cost of their living expenses, many may not. And for those that do choose to work, their hours may be limited to what they can fit into a schedule packed with classes and extra activities.

For many students entering college, it’s likely that they held a summer job or internship during the months leading up to college, or they have a bit of savings socked away for the semester. You may have even chosen to give your child a lump sum at the beginning of the semester to cover extra expenses. Whatever the case may be, you’ll want to help your child understand the importance of making the money they have last through budgeting and saving.

Work with your child to give them a realistic idea of what expenses they may need to account for. Help them understand that without a steady income stream during the semester, they’ll need to spend and save what they have wisely.

Seeing your child head off to college for the first time is a feeling like no other. But as you work on buying bedding and gathering textbooks, make sure to set some time aside to help your kid understand the financial implications their first step into freedom and independence will likely have. Doing so now can help them feel comfortable and confident in the financial decisions they’re making all semester long.

  1. https://www.ftc.gov/sites/default/files/documents/statutes/credit-card-accountability-responsibility-and-disclosure-act-2009-credit-card-act/credit-card-pub-l-111-24_0.pdf

This content is developed from sources believed to be providing accurate information, and provided by Twenty Over Ten. It may not be used for the purpose of avoiding any federal tax penalties. Please consult legal or tax professionals for specific information regarding your individual situation. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.

Media Contact
Company Name: Silverman and Associates
Contact Person: Mark Silverman
Email: mark@silverman-associates.com
Phone: 520.512.8832
City: Tucson
State: Arizona
Country: United States
Website: https://silverman-associates.com/

Conspiracy Theorists Predicting Next “9/11 Event” in Seattle on 11/3/2019

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Conspiracy theorists claim there is an imminent invasion or attack and that it was predicted in television shows like The Simpsons and movies like Red Dawn!
 

PRESS RELEASE OCT 30, 2019 11:00 EDT

Seattle, Washington, — No this is not a Halloween trick. Conspiracy theorists are claiming to see evidence of a “staged attack” to take place in Seattle on Sunday, November 3rd. This belief is being pushed by the Infinite Plane Radio program and many websites known for covering strange news. “We know there were hoards of references to the 9/11 attacks in movies and TV shows many years prior to it happening,” said Tim Ozman, host of Infinite Plane Radio.”

“We now see these same types of mass references in everything from movies, tv, music lyrics now as to what’s going to happen in Seattle. We’re just pointing out the obvious. Spoiler alert: you’re next 9/11 event is coming soon!” Ozman said to his listeners during a late-night broadcast.

The date of November 3, 2019, is encoded into television shows, movies, and news events. Many Youtube channels are uploading videos sharing evidence of “predictive programming” and prophecy in the news. The following eerie coincidences are said to be clues to the upcoming prophesied catastrophe:

The movie Red Dawn, the Illuminati Card Game, and other pop culture references indicate something big to happen in Seattle on 11/3​

S.O.S. became a worldwide standard distress signal on 11/3/1906–113 years ago​

Man in USA shirt set himself on fire in front of White House and a bus numbered 113

113 Stranger (Than Usual) Things To Do in Seattle This Week.

Most conspiracy theorists agree that the Seattle Space Needle and possibly a football stadium will be the focus of dramatic events to unfold.

​Japanese pop band World Order’s music video “Let’s start WW3” takes place in Seattle and is replete with hints about an upcoming catastrophe

It is believed “fire” will play a role as many of the movie references point to fires, nuclear detonations, and possible UFO invasion by aliens who may or may not be working with the Chinese and Russians. For more information contact Infinite Plane Radio at http://infiniteplaneradio.com.

Contact:
Tim Ozman​
505-510-4226

Suspense Thriller “ALL IN A NIGHT” Film by Uniworld Studios to be released worldwide in November 2019

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New Delhi, India – The premiere of the latest Uniworld Studios’ film “All in a Night” will take over first the digital platform worldwide on 22nd November, 2019. Actress Richa Singh Chauhan, together with Lovekush Kundu, Suraj Gupta, Mohit Garg and Ankit Meher Sharma are the leading actors and talents in this movie.  
 
Richa Singh Chauhan is making her debut with lead role in Sanjay Raj’s movie “All in a Night”. Mr. Saransh Gupta, the executive producer of the film will be releasing the trailer of the movie on 8th Nov, 2019 at DLF Phase 2, Gurugram.
 
The movie “All in a Night” is a suspense thriller that has a lot of suspense and thrillers and at the same time, filled with multiple audio flashbacks, which is the highlight of the movie.  
 
The Director of the movie is Mr. Sanjay Raj and the executive producer is Mr. Saransh Gupta while the script is the work of Mr. Sooryakant Gaur.
 
The theme of the movie reveals as “There is always a light at the end of the tunnel.”
 
The logline of the movie is as follows –  A young woman succeeds to ward off the threat to her married life posed by her criminal ex-boyfriend.
 
“All in a Night” is the first movie for 2019 which will be released on major digital platforms worldwide in the month of November, 2019.  
 
The movie would be put on sale from November onwards online and for viewing also.

Media Contact
Company Name: Uniworld Studios Pvt. Ltd.
Contact Person: Sanjay Raj

Phone: +918826746649
Address:L-27/18, DLF Phase 2
City: Gurugram
State: Haryana
Country: India
Website: http://www.uniworldstudios.com/

 

American teacher Johann Lewis is undertaking a huge translation project for Hailiang Foreign Language School

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Education in China is a large and rapidly expanding industry. With schools always trying to get a competitive advantage, many schools adopt international education programs, such as Cambridge International Examinations classes, International Baccalaureate programs, Montessori classes, College Board Advanced Placement courses and much more.

As the Academic Director of English Curriculum and Instruction at Hailiang Foreign Language School, Johann has had experience with helping the school adopt and implement many of these programs. However, a lingering question persisted: “What is so bad about Chinese education programs?”

In order to answer that question, Johann Lewis set out on an ambitious project to translate books authorized by China’s Ministry of Education in order to compare and contrast them with the various international education programs that exist in China.

After four years of working and living in China, his first fully-English book based on the Chinese curriculum has finally been completed. The first grade Chinese science workbook now has a 100% English version, courtesy of the efforts of one expat teacher with a vision to change the international landscape of education.

When Johann Lewis was asked about the educational project he replied: “International education should not merely consist of importing educational programs from overseas into one’s own country, but it should also consist of exporting educational programs overseas to other countries that can benefit from these programs. In my eyes, this project is the first monumental step in introducing the Chinese educational curriculum to the rest of the world, allowing others to see, use and adopt the best aspects of the Chinese educational system.”

As China’s Belt and Road Initiative continues to promote international trade between China and the rest of the world, when it comes to education, China has historically only imported education programs from overseas. With this project, Johann Lewis hopes to help introduce Chinese education to the rest of the world in his own way.

About Johann Lewis

Johann Lewis is an American accountant-turned-teacher, currently living in Zhuji, Zhejiang Province, China. He serves as the Academic Director of English Curriculum and Instruction at Hailiang Foreign Language School, a subsidiary of Hailiang Education Management Group. Over the years he has received awards for his work and contribution to providing quality education based on commitment and sacrifice.

For more information, please visit his website.

Contact Info:
Name: Johann Lewis
Email: johann@hailiang.com
Organization: Hailiang Foreign Language School
School Website: http://www.hailiangteacher.net
Personal Website: htttp://www.johannlewis.com

How To Make A Living In Jazz

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Location, UK – From the great mind of producer/director Philip Nash comes a documentary about three talented musicians looking for more than their 15 minutes of fame as they try to make it in the competitive world of jazz music. How To Make A Living In Jazz takes viewers on a fascinating journey which goes beyond the music and delves deeper into the structure behind the performing arts. Anyone who loves music, has ever wondered about the life of a musician or who ever dreamt of making it in the music industry will enjoy a behind the scenes look at how nearly every professional musician makes their living and watch as these talented performers’ stories unfold.

 

Featuring three talented jazz musicians, Tom Smith, Ben Appiah and Christos Styliandes, How To Make A Living In Jazz tells the story of these talented young musicians. Watch as they practice their craft for up to 8 hours every day and listen as they begin to become one with their music as they capture the hearts and souls of anyone within earshot of their instruments. These performers love what they do and it shows! How To Make A Living In Jazz isn’t just for those who play and perform on stage, it’s a film for anyone who loves music or who has always wanted to play music for a living.

 

The How To Make A Living In Jazz website, which can be found at https://www.howtomakealiving.in, offers cast and crew information, the story behind How To Make A Living In Jazz as well as an informative and entertaining blog. For a quick intro to one of the documentary’s young prodigy’s, Christos Stylianides, click here.

 

The production team behind How To Make A Living In Jazz include producer/director Philip Nash, London-based film and video editor Charlie Emseis, southern based cinematographer Joe Potts and Australian filmmaker and How To Make A Living In Jazz Assistant Producer Maddie Catanzaro.

 

The How To Make A Living In Jazz website and all How To Make A Living In Jazz products are either registered trademarks or trademarks of How To Make A Living In Jazz in the UK.

 

For more information, press only:

How To Make A Living In Jazz

https://www.howtomakealiving.in

 

For more information about How To Make A Living In Jazz, visit:

https://www.howtomakealiving.in

 

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