Monthly Archives: April 2015

The Holdy Realty Team List New Home for Sale In The Pines Development in Jensen Beach, Florida

The Holdy Realty Team at Real Estate of Florida has listed a new property in Jensen Beach for sale, offering a beautiful home in Florida’s best county’s for raising a family.

Jensen Beach, FL, United States of America – April 30, 2015 /MarketersMedia/

The Holdy Realty Team at Real Estate of Florida has listed a new property for sale at 2355 NW Tulip Way, Jensen Beach FL 34957. The Holdy Team is listing the property, located at The Pines of Jensen Beach, online, and there is even a virtual tour of the house uploaded to YouTube.

The spacious four bedroom home has three bathrooms, a three car garage and a pool. It is situated on a private preserve. This split-bedroom, open floor plan design offers formal and informal dining areas, with separate living and family rooms. These areas have tile and crown molding throughout.

The kitchen features granite counter tops, stainless steel appliances and lots of cabinets for storage. A spacious master suite boasts hardwood floors and 2 walk-in closets.

The master bath includes double sinks, soaking tub and separate walk-in shower. With 3 separate sliding doors to conveniently access the covered patio and the screened-in, solar heated pool with outdoor TV and speakers.

Located in Martin County, Florida, the property is adjacent to Jensen Beach High School and Felix A. Williams Elementary School, two of Martin County’s best schools. Just 1.5 miles from the beautiful unspoiled beaches of Hutchinson Island, a lucky homeowner would be minutes away from numerous golf courses, world class fresh and salt water fishing and the Treasure Coast Square Mall.

A spokesperson for The Holdy Realty Team explained, “This home offers a beautiful indoor space together with outdoor living at its finest, Jensen Beach Communities are renowned for the quality of life they offer. Just minutes from the beach and shopping, in the country ranked by Forbes as Florida’s best for raising a family, and ranked 11th nationwide, this home will be ideal for those looking for a comfortable future in a beautiful part of the world.”

About The Holdy Realty Team: The Holdy Realty Team at Real Estate of Florida are a team of licensed REALTORS? that specialize in Martin County Florida homes for sale including Jensen Beach, Hutchinson Island, Palm City, Stuart and Sewall’s Point. They are committed to their clients, and will always do what is in their best interests. Honest, trustworthy and knowledgeable in the real estate market, they provide an innovative, professional and personalized real estate service.

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

Contact Info:
Name: Tim Holdy
Organization: Holdy Realty Team at Real Estate of Florida
Phone: 772-500-0000

Source: http://marketersmedia.com/the-holdy-realty-team-list-new-home-for-sale-in-the-pines-development-in-jensen-beach-florida/80853

Release ID: 80853

The Bedroom Store Announces Selection as the Sole Supplier of iZone

The iZone is the ultimate hybrid of air, water and memory foam-bringing together the latest technologies to improve sleep, reports TheBedroomStore.com

St Louis, MO, United States of America – April 30, 2015 /MarketersMedia/

The Bedroom Store proudly announces they have been selected as the sole supplier of iZone. The Bedroom Store has been serving the St. Louis area for over 38 years and provides the highest quality and the best pricing. The company is honored to be given the opportunity to supply clients with a mattress that is revolutionizing the way people sleep.

“The iZone provides the ultimate hybrid of air, water and memory foam-bringing together the latest technologies to improve sleep. This mattress features seven zones on each side of the bed, and each zone is individually adjustable by firmness for personalized support and comfort. A removable, washable cover provides bed bug protection and ensures the mattress remains hygienic and clean for years to come,” Brian Davis, spokesperson for The Bedroom Store, explains.

Consumers can see the new mattress at thebedroomstore.com and learn more about the unique design. This mattress incorporates an air vent system and water filled calibrators to reduce excess heat within the mattress, helping to ensure a sleep surface which is temperature neutral. iZone mattresses are designed to last and are comfortably affordable.

Individuals may choose to purchase the iZone Z1, a bed which moves with the person and provides the sensation of being in full sync with the mattress, Davis states. Others find they prefer the Z2, a mattress offering less motion, but more exposure to the zones, which has a more balanced zen like feel. The Z3 functions as a zero gravity, no motion feel mattress, one which allows the user to remain fully in sync with the bed.

The Bedroom Store (www.thebedroomstore.com) offers the best available price every day and provides free shipping and free financing. Consumers may try a mattress from The Bedroom Store (thebedroomstore.com) risk free, thanks to the 30 night comfort guarantee. In addition, consumers who purchase a four piece bedroom set receive a free innerspring mattress or discount on an upgraded mattress, based on the bed size of the group selected.

“Consumers love The Bedroom Store as they know they are getting great prices on quality products. In addition to selling mattresses, the company offers bedroom furniture, platform beds, adjustable bases, mattress toppers and pillow and mattress protectors. Be sure to check out the selection today, as there is something for everyone who visits The Bedroom Store,” Davis declares.

About The Bedroom Store:

A locally owned company, The Bedroom Store has now served the St. Louis area for more than 38 years and promises to provide the best selection, highest quality, pricing and free delivery on mattresses offered by Tempur-Pedic, Thomasville, Serta iComfort, iSeries, Stearns and Foster, Boyd and Broyhill. They guarantee 100 percent customer satisfaction with each purchase, and the Sleep Experts possess the knowledge and tools needed to guide consumers through the selection of a new mattress.

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

Contact Info:
Name: Brian Davis
Organization: The Bedroom Store
Phone: 314-822-2617

Source: http://marketersmedia.com/the-bedroom-store-announces-selection-as-the-sole-supplier-of-izone/80550

Release ID: 80550

Garage Door Companies Warned To Make Websites Mobile Friendly Immediately

This release is designed to let garage door service companies know how important it is to have a mobile-friendly website.

Reno, USA – April 30, 2015 /PressCable/

When looking for a garage door service company, chances are that customers will use their smart phone or tablet to search for local businesses these days. As such, a garage door company’s website should be mobile friendly in order to ensure that as many people as possible are easily able to find it whenever needed. Simply having a website that is easy to view or navigate via a desktop computer is not enough though, as pages tend to be displayed differently on mobile devices such as smart phones and tablets.

Top 10 Local Experts regularly consults with owners of garage door businesses to help them optimize their website and make it more accessible to mobile visitors. What typically happens afterwards is that these companies notice an increase in both web and foot traffic because their website is easier for people to find and navigate. Making a website mobile friendly increase the odds that someone will actually visit a particular business rather than that of a competitor.

With so many people searching online for goods and services these days, it just makes more sense for a garage door company to ensure its website is mobile friendly. Not only that, but the new Google update scheduled for later this month will harshly penalize websites that are not optimized for viewing on mobile devices. To avoid Google penalties and keep their page ranked high, garage door business owners should act now.

Top 10 Local Experts has the experience needed to help garage door companies create an attractive website that is optimized for mobile searches. They urge customers to obtain a free consultation in order to determine how well their website is currently performing prior to the Google update. To find out more, owners of garage door companies can give them a call today at 775-775-4949.

About the Company: Located in Sparks, NV, Top 10 Local Experts is a leader in mobile website development for the service industry. To find out more, visit http://top10localexperts.com/mobile/

For more information about us, please visit http://top10localexperts.com/mobile/

Contact Info:
Name: Kelly Smith
Email: kelly@thewebsmithgroup.com
Organization: The WebSmith Group
Address: 1605 Shadow Lane
Phone: 7757224949

Release ID: 80224

Nationwide Secured Capital Announces its “We Buy MORE” Program

There are New Options for Cash from Sale of Mortgage Notes Other Investors Won’t Buy.

April 30, 2015 /MM-prReach/

LAS VEGAS, NV – Nationwide Secured Capital (NSC) today announced the launch of its “We Buy MORE” program for note brokers and sellers of property with owner carry back loans. Announcement was made today at the Paper Source Note Symposium held annually in Las Vegas for the Cash Flow Investment Industry.

The “We Buy MORE” program was created for those properties that might be difficult to sell due to bad credit, or spotty payment history. Due to Nationwide Secured Capital’s increased capital, this programs also extends to sellers of promissory notes with bankruptcy, foreclosures, and negative equity on credit.

“For many years, Nationwide Secured Capital has provided a wider range of cash options to sellers of real estate notes than other note investors,” said Gene Powers, founding principal of the company, “Our “We Buy MORE” program is routinely able to provide cash out options to holders of loans that are not only the “Good”, but also the “not so Good” and the “Ugly”, even the loans that other investors don’t want.”

Owner carry back notes on property are created when a promise is made to repay a specific sum of money to include the rate, interest, and length of time. It is secured by a mortgage loan. A note is different from a deed of trust in that the deed is the document that pledges the property as security for the loan.

Nationwide Secured Capital is a well established brokerage and investment firm specializing in purchase of real estate notes, annuities, and life insurance policy investments in all 50 States. NSC maintains offices in several locations across the U.S. to best serve its clients in all time zones and locations. NSC established and runs the SMILE FUND ONE LLC investment fund for investors. It is registered with the SEC as an exempt offering, and provides acquisition and/or management services to other investment funds and investor portfolios.

For Brokers and Noteholders to sell a mortgage note with NSC “We Buy MORE” program: Simply go online to www.NationwideSecuredCapital.com and use the Sell My Note – Free Quote tab.

Contact Info:
Name: Lourdes Ceguerra
Email: info@NationwideSecuredCapital.com
Phone: 800-853-0573
Organization: Nationwide Secured Capital

Source: http://www.prreach.com/pr/17373

Release ID: 80876

Outraged Owners To Pull Horse From Kentucky Derby After Feud Over Controversial Article

With just a few days left, feeling slighted and betrayed, the owners of the Kentucky Derby contender “War Story” are threatening to pull the horse from the race.

Louisville, KY – April 30, 2015 /MarketersMedia/

The once joyful owners of the unstoppable horse “War Story”, set to run this Saturday at the 2015 Kentucky Derby, have been raging with fury since Monday morning. A seemingly innocent article, highlighting the success of one of the owners, seems to have stirred up some jealousy within the group.

The article showcased the incredible success story of Ryan Zamo, the 26-year-old organic skincare mogul and CEO of Z Skin Cosmetics. “Feeling left out” and jealous that the article failed to mention any other names, the group has singled out and declared war on the young entrepreneur. In an attempt to clear his name, Ryan Zamo released a statement saying “I would like to clarify that I am just one of multiple owners. Anthony Altomonte, Christopher Dunn, Glenn K. Ellis and Ron Paloochi of “Loooch Racing Stable” have all put in so much time and effort and should be given the credit they deserve.” Zamo, after a follow-up interview request, refused to comment any further on the matter.

Though the 26-year-old CEO of Z Skin Cosmetics has tried to reconcile and end the middle-school drama, on Wednesday night it was officially reported that the horse would most likely be pulled from racing this Saturday at the Kentucky Derby. It seems time will only tell if the bad blood between owners, will soon become the demise of their Kentucky Derby horse War Story as well.

For more information about us, please visit http://markets.financialcontent.com/mng-lang.dailynews/news/read/29745180/Kentucky_Derby_Horse_

Contact Info:
Name: Pop Cult News
Organization: Pop Cult News Desk

Source: http://marketersmedia.com/outraged-owners-to-pull-horse-from-kentucky-derby-after-feud-over-controversial-article/80877

Release ID: 80877

iTouchFaucets (ITF) introduces the Smart Faucet that could dramatically help Reduce Water Wastage up to 80% to help Deal with the Serious Drought Situation in California, United States

iTouchFaucets uses the Smartphone Touch Technology to help residents and commercial business owners of South Western United States deal effectively with drastic water shortages.

iTouchFaucets, a new patented technology made in the United States, is helping people overcome the consequences of serious water shortage situation that has gripped South Western United States. This versatile, extremely reliable and durable iTouchFaucets makes use of a Smartphone Touch Technology to reduce water wastage by a whopping 80-90 per cent. In these near-drought situations, this device can be of tremendous help.

Image: http://www.abnewswire.com/uploads/71c66a521c4bc20e9d5731c249195cee.JPG

iTouchFaucets is an innovative hi tech approach that consumers are excited to adopt,” says Joanna Boey, National Vice President of iTouchFaucets. “Our state-of-the-art system uses an electronic touchpad that looks like a smartphone to replace faucet handles. It can be a retrofit and attached to most faucet designs for Showers, Bathtubs, Kitchen and Bathroom Sinks. This touchpad can be placed anywhere convenient to the end users especially for the physically challenged and handicapped and is therefore ADA compliant. It is specifically designed to help reduce water wastage by as much as 90 per cent.”

Image: http://www.abnewswire.com/uploads/99059028347c15d1b9ec697cff384764.JPG

iTouchFaucets (ITF) system helps save water in two ways. With 4 (four) Preset Temperatures and various timer settings, users can select their water temperature at the touch of a finger, thus reducing water wastage while adjusting water temperature to their desired choice. Users will enjoy this touch sensitive selection of temperature not having to deal with the two handles while at the same time being environmental, saving water, gas and electricity.

The preset timer can be programmed from 3 seconds to 30 minutes. It defaults at 3 seconds to help reduce water wastage by up to 80% while doing routine chores such as brushing of teeth, washing of face, shaving, dental floss, putting on contact lenses and simply washing of hands. A lot of water is wasted because users tend to invest so much time adjusting the water to the correct temperature, they tend to leave their water running while doing these routine chores to avoid adjusting it repeatedly. Hence, by defaulting at 3 seconds, water supply is cut off to reduce unnecessary water wastage.

This can help you save 10-12 gallons of water per person per day which amounts to about 4000 gallons per person per year. The energy savings can be even more when the gas needed for heating water, the electricity needed for pumping and the fuel that airlines, RVs and cruise lines use, are considered.

In a state like California, ITF can help save 400 million gallons per day or 160 billion gallons per year for a population of 40 million.

ITF system can help save an unimaginable amount of water. This technology can be of immense help in tackling the serious drought of South Western states

Image: http://www.abnewswire.com/uploads/34da847b4985f1a351a2111a0d6617bc.JPG

For showers and bathtubs, the preset timers can be preset at 1 to 5 minutes to prevent overflow of bathtubs and showers and avoid mold issues and high insurance costs.

Image: http://www.abnewswire.com/uploads/bd311f1c48afe163e463fc35f19cbfcd.JPG

When used in restaurant kitchens, savings is even more prominent.

Since US law mandates that kitchen staff scrub their hands for 30 seconds, this means for every 30 seconds saved per hand wash one gallon of water is saved (based on US flow rate of 2 gallons a minute) plus enormous gas savings since scrubbing their hands with hot water is mandated. When repeated 10 times a day, it can save you 10 gallons of water.

If an average kitchen has five staff members, this means 50 gallons saved per day or 16,000 gallons saved per year. With the potential water and energy rate hike, this product can quickly pay for itself within a few years and enjoy savings thereafter.

With an estimated 70,000 restaurants in California alone, this means 3.5 million gallons saved per day, or 1.2 billion gallons a year.

The recent severe 4 year drought had forced Governor Brown no choice but to quickly approve a billion dollar desalinization plant. One can expect some serious water rate hike thereafter. Desalinization is not an environmentally healthy process as it can severely damage ocean lives and push up the cost of seafood. Recycling on the other hand is not much better either, though it is a cheaper alternative but it can cause serious health repercussions as substantial chemicals are being added each time recycling takes place.

Water conservation is acknowledged by experts as still the best solution.

iTouchFaucets, not only saves water, plus corresponding gas to heat that water, electric to pump that water to greater heights, making this one of the greenest technologies in US History.

With its versatility, durability and reliability and the amount of water and gas savings, this system could eventually be cheaper than manual faucets.

iTouchFaucets has plans to add Digital Advertising to its Touchpad which could be installed Free to busy public restrooms such as Disneyland and Universal Studios and many busy Casinos.

About iTouchFaucets:

iTouchFaucets is an innovative, patented technology developed in the United States to save water in several ways in both residences and commercial establishments. This extremely versatile system can easily be retrofitted and attached to most faucet designs. The touch-sensitive system provides instant water flow with the desired temperature without having to deal with the old fashioned handles which will soon be obsolete once the implementation of iTouchFaucets catches on.

Image: http://www.abnewswire.com/uploads/da98f0f3d8ddde72d16f65c8c2ce7dfb.JPG

In a recent trade show in San Diego California, iTouchFaucets recently won the Best Product Design Award in the faucets category at the BDWest 2015 trade show held in April 2015 making this system the Talk of the Town.

In their two recent trade shows at Hi connect April 2015, Nashville Tennessee and BD West 2015 in San Diego California, iTouchFaucets had received loads of compliments for designing such a product especially in this era where water conservation is at its utmost importance.

Many hotel owners, management companies and designers had already expressed interest in implementing this state-of-the-art Smart Faucet system making faucet handles totally obsolete.

President and CEO of iTouchFaucets is confident that this product is so popular, they are expecting huge demand and backlog orders and has plans to go public very soon.

For more information, please visit the website: www.iTouchFaucets.com


P.S
Joanna Boey, Author of How to be Happy without Money Drugs & Alcohol sold at amazon and Barnes & Noble (by pen name Angel Lim) hopes to bring in enough funds to start a Laughing Café to help make this world a happier place to live in.

Logo: http://www.abnewswire.com/pressreleases/wp-content/uploads/2015/04/1430342377.jpeg

Media Contact
Company Name: iTouch Faucets
Contact Person: Joanna Boey
Email: info@itouchfaucets.com
Phone: 855.827.6288
Address:9595 Wilshire Blvd Suite 900 #612
City: Beverly Hills
State: California
Country: United States
Website: www.iTouchFaucets.com

Source: ABNewswire

ReleaseID: 27482

Venture Computers of Canada Inc. Responds to Study Claiming Global Cloud Revenue to Hit $176 Billion This Year

Venture Computers of Canada, Inc. weighs in on a recent research study reporting that global revenue from cloud computing will hit $176 billion by the end of 2015.

Toronto, Canada – April 30, 2015 /MarketersMedia/

Venture Computers of Canada, Inc. (www.Venture.ca), Toronto’s leading provider of IT support, hardware and software sales services, and consulting, is responding to a recent research study claiming global cloud revenue is to hit $176 billion by the end of this year.

Market research firm Gartner expects the global market for cloud-based services to reach $176 billion in 2015; this amount represents just four percent of total IT spending. Gartner also expects that number to jump to $240 billion by 2017. (Source: “The cheap convenient cloud,” The Economist, April 18, 2015; http://www.economist.com/news/business/21648685-cloud-computing-prices-keep-falling-whole-it-business-will-change-cheap-convenient.)

“That’s already a gigantic number, but this is still very much a growing industry,” says Harris Tan, owner of Venture Computers of Canada, Inc. “$176 billion certainly sounds like a lot, but I believe it’s just the tip of the iceberg.”

According to Tan, many businesses are taking advantage of cloud computing right now, but some industries haven’t been able to capitalize on the movement due to regulations. Banks, for instance, are still going back and forth with their own regulators and insurers who need to guarantee the security of personal financial information in the instance of any breach.

“Banks definitely want to get fully into the cloud trend, particularly as it relates to storage, but they safeguard some extremely valuable data and information,” he explains. “It’s no surprise that they’ve been slow to conform, as they have to take extra precautions regarding how to almost guarantee the safety of that data and assess the repercussions should there be any kind of breach.”

Tan adds that on the plus side, businesses that have already shifted to cloud storage or any other cloud service are enjoying prices that continue to drop–to the tune of 25% in the past three years, according to Citigroup.

“The savings that brings to a company can’t be overstated,” Tan concludes. “Being able to show those types of savings can make the difference between being profitable and just getting by, especially for small businesses that really push to explore every efficiency possible.”

Venture Computers of Canada, Inc. offers small businesses in Toronto cloud computing services and IT consulting, so they can enjoy all of the benefits of an exploding industry. For more information, visit www.Venture.ca.

For more information about us, please visit http://www.venture.ca/

Contact Info:
Name: Harris Tan
Organization: Venture Computers of Canada, Inc.
Address: 705 Middlefield Road, Unit 108, Scarborough, Ontario, Canada, M1V 5H5
Phone: 416-299-9877

Source: http://marketersmedia.com/venture-computers-of-canada-inc-responds-to-study-claiming-global-cloud-revenue-to-hit-176-billion-this-year/80874

Release ID: 80874

Vemma CEO BK Boreyko Gathers with Over 800 Top Direct Selling Executives

Vemma’s Founder and CEO BK Boreyko was invited to take the stage at Success Partners University and speak to address the topic of “Leading Through Change” in an ever-changing business environment. More than 800 corporate leaders from the top direct selling companies from across the world gathered for the annual conference. Boreyko’s talk comes on the heels of praise from FTC Commissioner Maureen Ohlhausen who applauded the direct selling industry’s focus on improving its self-regulation efforts.

DALLAS, Texas – More than 800 corporate leaders from the top direct selling companies from across the world gathered for Success Partners University’s annual conference to connect, gain new ideas and challenge one other.

The networking event brings together the CEOs, Presidents and senior executives of some of the largest and most successful network marketing, affiliate marketing and party planning companies in North America to discuss future growth along with current challenges facing this $167 billion global industry.

This year, among leaders such as bestselling author John C. Maxwell, Vemma’s Founder and CEO BK Boreyko was invited to take the stage and speak. Boreyko addressed the topic of “Leading Through Change” in an ever-changing business environment.

Vemma Nutrition Company is a $200 million wellness company operating in 54 countries worldwide. Currently ranked the 37th largest direct sales company in North America, Boreyko spoke about why it’s important to go through challenges.


Video Link: http://fast.wistia.net/embed/iframe/iizmk6rg8b?videoFoam=true

“The challenges we encounter are there to make us better leaders. We learn, we adjust and we respond. Because of these challenges, we become better and build stronger companies,” said Boreyko.

Boreyko’s talk comes on the heels of praise from FTC Commissioner Maureen Ohlhausen http://thehill.com/policy/finance/238099-ftc-commissioner-praises-direct-sellers who, according to The Hill, applauded the direct selling industry’s focus on improving its self-regulation efforts.

Hosted by SUCCESS magazine’s publisher Darren Hardy, Success Partners University featured 30 industry leaders representing over $2 billion in annual growth last year. The event also announced the industry’s top-ranking companies in North America and the world.

About Vemma

Founded in 2004 by BK Boreyko and his two sisters, Karen and Lauren, Vemma Nutrition Company has become known as one of the premier industry leaders specializing in premium liquid nutrition. Every month, thousands of new customers experience the positive difference of the clinically studied Vemma Formula. The Vemma brands include the clinically studied Verve? healthy energy drink and Vemma Bod-e?, a transformational weight loss line. Vemma is headquartered in Tempe, Arizona, and distributes its products in more than 50 countries through global affiliate marketing.

For more information, please visit Vemma.com

Logo: http://www.abnewswire.com/pressreleases/wp-content/uploads/2015/04/1430344767.jpeg

“Vemma CEO BK Boreyko Talking with Top Direct Selling Executives”

Media Contact
Company Name: Vemma Nutrition Company
Contact Person: Jennifer Pinner
Email: michelle@vemma.com
Phone: 1-800-577-0777
Address:1621 W Rio Salado Parkway
City: Tempe
State: AZ
Country: United States
Website: https://www.vemma.com

Source: ABNewswire

ReleaseID: 27480

Lump-Sum Buyout Decision Regarding Employee Pension Plan Requires Significant Thought and Planning

With the continued rise of the nation’s Retirement Income Deficit – a measure of the amount Americans have saved to date for retirement and the amount they should have saved – decisions about taking a lump-sum employee pension buyout should not be made without careful consideration.

Cary, IL – April 30, 2015 /MM-LC/

Increasingly, companies are offering its employees lump-sum buyouts to close out risky pension plans, but there are some things employees need to consider before they take the money and run, says an investment advisor and income planner who works with people facing that choice daily.

“It is our policy not to offer the same recommendation across the board, and everyone’s situation is unique,” says Lisa Bussenger, president and founder of the Cary, Ill.-based Bussenger Financial Group, which has been income planning for clients for 18 years and helping them retire with financial peace of mind. “The process begins by sitting down with clients to look at the total picture to assess what’s the pension payout going to be if they kept it with an employer or what’s the lump-sum payout going to be for that individual – and what benefits or negatives come with either/or. It’s never approached as a one-size-fits-all decision.”

The trend toward offering lump-sum pension buyouts and moving away from traditional pensions is increasing. According to benefit consulting firm Towers Watson, for example, by year-end 2013, only 24 percent of Fortune 500 companies offered any type of defined benefit pension plan to new employees. That number was down from 60 percent for the same group of employers in 1998. The shift away from traditional pensions has been fueled by factors including a desire to reduce retirement costs and a belief that such a shift reduces the sponsor’s financial risk as people are living longer, Towers Watson said.

Many of the clients coming through the doors of the Bussenger Financial Group seeking advice on the lump-sum decision are in their mid-50s and early 60s from major Chicago-area employers like Motorola, North Shore Hospital and Verizon. Often, Bussenger Financial Group income planners will sit down with clients to do extensive fact-finding sessions to assess where the client is now financially, where they’d like to be in about five years, how much they need for working income, and whether they have additional money, and where it’s invested.

“In some cases, someone may say we’ve been with an employer a pretty long time and expect to have a pretty high payout,” Bussenger said. “Sometimes a lump-sum recommendation may not be in the best interest of the client vs. the monthly payout they would get in the pension.”

Even so, she says the lump-sum payout is a good option for employees with the right financial profile to create their own retirement plan through alternate investments – like a fixed-index annuity – to give them more control of their money by determining liquidity needs vs. just opting for a monthly fixed paycheck. Wealth management experts like Bussenger see three major mistakes clients make who opt for the lump-sum payout:

Not having a written plan. – Many people don’t have a working plan of how money they have accumulated through multiple income streams, and how it will be managed or used to benefit them or their heirs long-term. “Clients on occasion come in with a pile of stuff with 15 statements – with money over here and money over there – and no idea of how to streamline all of it to make it work best for them after retirement,” she says.

Not understanding risk among the investments they have. – Closely related to not having a written plan is a lack of understanding among employees about the strategy behind why they initially invested in a stock, mutual fund or variable annuity, for example. “A lot of times we’ll ask, ‘So what was your thought process when you invested in X or Y?’ And they have no idea,” she says. “Without that level of understanding, they can’t fully realize what an investment can or cannot do, or how much risk is in that investment, particularly as people get close to retirement.”

Not understanding what a true income plan is. – Particularly for married couples, social security won’t be enough for people to live off of for many years post-retirement. Many employees need a systematic income plan so they don’t have to worry whether it’s the right time to sell something or a good time to buy. “We work with them to put a written income plan together, and we create different buckets, so that they know what’s their liquid bucket, what are they going to grab for an emergency, what’s their income bucket or growth bucket or fun money.

Other considerations for lump-sum buyouts include survivorship benefits and understanding what happens with the pension paycheck if one spouse dies, as well as considerations about catastrophic illness and how to manage financially through such calamity by having a contingency plan and understanding what happens with the pension payout should a spouse die.

Avoiding taking a haphazard approach to saving for retirement is critical as the nation’s Retirement Income Deficit rises. Five years after it was first announced, the RID has risen from $6.6 trillion to $7.7 trillion, the Pension Rights Center announced in March. The RID is the gap between what American households have actually saved to date and what they should have saved to date to maintain their living standards in retirement. The updated RID is based on projections of retirement income and wealth for American workers ages 30-60, using data from the 2013 Survey of Consumer Finances. The Center for Retirement Research at Boston College calculates the RID.

“The Retirement Income Deficit is one of the starkest illustrations of the retirement crisis we’re facing,” said Karen Friedman, executive vice president and policy director of the Pension Rights Center.

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

Contact Info:
Name: Lisa Bussenger
Email: lisa@bussengerfg.com
Organization: Bussenger Financial Group
Phone: 847-516-8062

Source: http://councilofeliteadvisors.com/liftmedia

Release ID: 80755

Cool Wallpapers Awesome, Eye aching Summer Collection 2015

Cool wallpapers download on site coolwallpapersdownload.net is a wonderful site of different Collections of Wallpapers.For Wallpaper Lovers can get mind blowing collection of various model cars of wallpapers and BMW Car Wallpaper. Natural,Movie wallpapers, iphone, Space, Planets and Universe wallpapers Collection.

Las Vegas, United States – April 30, 2015 /MarketersMedia/

Cool wallpapers Awesome, eye caching Summer Collection 2015

Cool wallpapers download or even background (also referred to as some sort of desktop picture, desktop background, desktop image or even desktop graphic with computers) is often a a digital graphic (photo, pulling for example. ) utilized as being a cosmetic background of a graphic user interface for the display screen of a computer, portable devices system or even different computer. Over a computer it is usually to the desktop, whilst on the cellphone it is usually the background to the ‘home’ or even ‘idle’ display screen. Even though the majority of devices feature a default image, customers can generally change it out for users to tailor made files of the deciding on.

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“Cool Wallpapers ” ended up being the definition of found in Ms Microsoft windows just before Microsoft windows Windows vista (where it can be named this “desktop background”), whilst Apple pc OS IN THIS HANDSET X cell phone calls that “desktop picture”. (Previously, the definition of desktop structure ended up being helpful to consider a small structure that had been recurring for you to populate this display screen. )

Wall picture photographs are usually copyrighted several different a digital photographs found on the Internet, and as such, the majority of sites obtaining in addition to revealing wall papers, plus the customers installing from them are among large copyright intrusion, some sort of occurrence which usually issues the meaning in addition to illegality associated with a digital piracy and the validity associated with present copyright legal guidelines all over the world.

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Release ID: 80704