The low volatility anomaly currently seen contradicts basic investing principles. Safer investments and calmer markets should theoretically equal lower returns than their higher-risk counterparts, but it isn’t the case, and it’s wreaking havoc with retirement plans. Here’s why.

Louisville, KY – October 30, 2016 /MM-LC/ —

World events and faster communication are combining to drive stock market volatility. For investors with more higher tolerance, it should be an ideal time, one that features shocks and dips that provide for opportunistic buying and selling, if that’s what they desire—but there’s a problem.

Dampened returns mean they’re not getting paid for the risk they’re taking, and it could be a larger sign of things to come. Put simply, overvalued stocks and an end to a three-decade long bond bull market means solid sources of yield are increasingly scarce, even for conservative investors that are focused squarely on retirement.

Known as the Low Volatility Anomaly, it contradicts basic investing principals; market fundamentals dictate that the more risk a person is willing to withstand, the more they will be rewarded when (and if) things go right. That was before the “New Normal,” high-profile bond manager Bill Gross’ term for lower investment returns for the foreseeable future due to aggressive government fiscal policy across the globe.

“From 1985 to 2014, real returns for [U.S.] equities averaged 7.9 percent, compared with the 100-year averages of 6.5 percent,” research and consulting giant McKinsey & Company recently wrote. “Similarly, bond returns over the period averaged 5 percent in the United States, compared with 100-year averages of 1.7 percent.”

It sounds great, except that “We believe this golden age is now over and that investors need to brace for an era of substantially lower investment returns,” McKinsey ominously added.

Those approaching, or who recently entered retirement should be especially concerned. Normally a time to dial back the amount of risk included in a portfolio in favor of income and protection, retirees nonetheless need sources of yield to avoid eating into their principal. Bonds, traditionally, acted as that safe haven, providing stable, predictable dividends and/or returns with minimal amounts of risk, ensuring pre-retirees entered their senior years for the most part free of fiscal angst.

“Bond investors are taking bigger risks than ever before,” Bloomberg reported last spring. “Yields on $7.8 trillion of government bonds have been driven below zero by worries over global growth, meaning money managers looking for income are pouring into debt with maturities of as long as 100 years.”

Central banks’ policy is exacerbating matters, it continued, as “the unprecedented debt purchases to spur their economies have soaked up supply and left would-be buyers with few options.”

For the average investor, getting the necessary retirement income typically requires a combination of investment and insurance-based products, and the help of a professional financial advisor specifically focused on retirement distribution, rather than asset accumulation.

“Income is the outcome in retirement,” says Joe Casey, who along with his wife Candice, are co-owners of Louisville, Kentucky-based Casey Wealth Consultants. “Over the past 15 years, equity markets have returned, on average, between 5.65 percent and 5.67 percent annually. This would mean investors who began with a $1 million nest-egg would have $1.8 million today.”

However, if $50,000 in income were taken from the portfolio each year for living expenses, it would lose almost two-thirds of its value due to inflation and the exiting assets that are no longer available to generate returns. It’s an unsustainable situation for individuals and couples who are increasingly living 30-plus years in retirement. Known as sequence-of-return risk, it’s increasingly an issue in retirement planning.

“Unfortunately, retirees need to grow assets, protect principal and take income,” adds Casey, who provides a free report from a firm with whom he partners, “Your Retirement income Planning Checklist”. “It’s usually done through a combination of index annuities, separately managed accounts and exchange traded funds. Whatever is used, they’re investing for the rest of their lives, so it had better be done right.”

Thankfully, financial advisors who specialize in income distribution strategies, longevity issues and who also understand the Low Volatility Anomaly are here to help.

For more information, please visit http://www.caseywealthconsultants.com

Contact Info:
Name: Joe Casey, Chief Financial Consultant
Email: info@askthecaseys.com
Organization: Casey Wealth Consultants
Phone: 888-CWC-1105

Source: http://councilofeliteadvisors.com/liftmedia

Release ID: 142216

Jacob Frydman reminds us that the market is inherently cyclical, meaning that there will always be upturns, downturns, and periods in-between.

NEW YORK, NY – October 29, 2016 /MarketersMedia/ —

Majority of consumers believed mortgage interest rates for this year were either going to increase or stagnate, according to Fannie Mae’s 2016 National Housing Survey. Contrary to what was anticipated, mortgage rates actually decreased over the past several months to near all-time lows. Though this development has come as a shock to many, experienced real estate advisors such as Jacob Frydman, a New York-based developer and investor, have foretold of just such an occurrence being an expected possibility in the continuously evolving market.

While quite a number of factors could be contributing to this sudden shift, undoubtedly one of the biggest is the Brexit. “Mortgage rates have been low for years, but the impact of Brexit has brought us close to record lows once again,” Mike Fratantoni, chief economist for the Mortgage Bankers Association, told CNBC, “with jumbo rates already at their lowest levels, giving more borrowers a larger incentive to refinance.” The uncertainty surrounding the European markets in the wake of the event caused many investors to transfer their capital to American mortgage bonds, which are now seen as the safer bet.

Jacob Frydman reminds us that the market is inherently cyclical, meaning that there will always be upturns, downturns, and periods in-between. He has been quick to point out that the most recent decline was somewhat reminiscent of the fiscal crisis New York experienced in the 1970’s, and that the sharp contrast between the city then and now is a perfect example of just how much the economy can transform in a matter of years. Frydman has frequently cautioned onlookers from overly fixating on current short-term trends and advises transferring focus to prospective opportunities which can be developed down the road. Frydman predicted interest rates and, consequently, real estate prices would begin rising during the 2010’s after remaining low for so long, but also prophesized that the market would stabilize again “towards the middle to the end of the decade”. If his predictions remain accurate, then by the 2020’s we should start seeing a return to the historically low rates that will provide brand new options in real estate.

A renowned expert on value added investments, Jacob Frydman has acquired over five million square feet of real estate – with transactions of up to $2 billion – during the course of his 30-year career. He has served as a CEO, Chairman, and CIO of First Capital Real Estate Trust, and a frequent guest lecturer at Columbia University. A Finance graduate of Boston University and Juris Doctor recipient of Case Western Reserve University School of Law, Frydman often participates as a speaker and panelist at numerous industry seminars and on Fox Business, CNBC, Bloomberg Television and other news media, where he speaks on matters relating to property investments and trends in real estate. Having retired from his role as a CEO of a public REIT in 2015, Frydman seeks out special situations where he can enhance a property’s value, which he undertakes alone or at times with partners.

Jacob Frydman – Blog – JacobFrydmanNews.com: http://JacobFrydmanNews.com

Jacob Frydman – LinkedIn: https://www.linkedin.com/in/jacobfrydman

Jacob Frydman – Google+: https://plus.google.com/102472192006318161587

For more information, please visit http://www.JacobFrydmanNews.com

Contact Info:
Name: Jacob Frydman
Email: contact@jacobfrydmannews.com
Organization: JacobFrydmanNews.com

Video URL: https://www.youtube.com/watch?v=NHS77IcaFwc

Source: http://marketersmedia.com/jacob-frydman-examines-this-years-decrease-in-mortgage-interest-rates/142220

Release ID: 142220

The company is putting their experienced designers at every business owner’s fingertips at no cost to them, reports www.promotionalproductscenter.com.

Huntington Beach, CA – October 29, 2016 /MarketersMedia/ —

Promotional Products Center, a premier provider of corporate gifts, announced the introduction of their free design services. The company aims to set themselves apart in the industry by giving customers full access to their in-house team of designers who have created over 50,000 mockups for clients and are armed with a great deal of experience in helping businesses reach their marketing goals.

Rebecca Montrenes, the lead manager at Promotional Products Center, stated “When it comes to the promo products, signs, and banner printing industry, many customers prefer a one-stop shopping experience. This means they’re able to get everything they need under one roof without having to deal with multiple vendors. Our team takes that experience to the next level. Not only do we maintain an expansive inventory of items, but we also provide our expert design services at no cost to the customer so they’re not left on their own in figuring out how to create an eye-catching product.”

Having designed tens of thousands of mockups already, the artwork team at promotional products center is well versed in the promotion of other companies and understands what it takes to create products that will make the business stand out. Once a company’s logo has been submitted, their team will begin the work of creating a visual representation of the product. Promotional Products Center will provide up to 3 revisions free of charge to help clients perfect the look of the item before they hit the print button.

As Montrenes further commented, “While we are in the business of providing promotional items for our customers, our ultimate goal is to help them grow their companies. We know that ensuring they receive a well-designed promotional product that represents their brand well is key in achieving that goal. We thoroughly understand the relationship between experience and quality and stand ready to give each client our very best.”

Business owners who are interested in purchasing corporate gift items from Promotional Products Center or learning more about their free design services can log on to promotionalproductscenter.com for more information.

About Promotional Products Center:

Promotional Products Center is a premier promotional product and corporate gift supplier, providing the best banners and display solutions on the market. Their team goes above and beyond to ensure that products not only satisfy the client’s needs but also succinctly communicates their message without draining their bank account. Promotional Products Center is committed to customer satisfaction throughout the entire ordering and delivery process.

For more information, please visit http://www.promotionalproductscenter.com

Contact Info:
Name: Rebecca Montrenes
Organization: Promotional Products Center
Phone: (657) 200-2030

Source: http://marketersmedia.com/promotional-products-center-introduces-free-design-services/142188

Release ID: 142188

Relationship-focused counseling can help make the holidays happier and more rewarding for all, Symmetry Counseling reports

CHICAGO – October 29, 2016 /MarketersMedia/ —

The holidays are often stressful, but Symmetry Counseling, Chicago’s relationship specialists, can provide effective help. The American Psychological Association (APA) counts the holiday season as the most difficult time of the year for most. While a majority of those the APA has studied report feeling stressed about schedules, money, and gifts during the holidays, counseling can make a difference.

Whether through Individual Therapy, Marriage Counseling for couples in Chicago, or any of its many other services, Symmetry Counseling consistently helps people in the area enjoy the holidays instead of becoming stressed out. With the holidays coming soon, people, couples, and families throughout Chicago are invited to sign up for a free 20 minute Symmetry Counseling consultation.

“Life can be stressful and challenging any time of the year, but if often becomes most so during the holiday season,” said Symmetry Counseling founder, Managing Partner, and Licensed Clinical Psychologist Anne Brennan Malec, “During the holidays, people often feel great pressure to give and be there for loved ones, while also becoming even more conscious of the expectations of others. Our therapists provide effective counseling all throughout the year, but our services often turn out to be most valuable as the holidays draw close. This year will be no different, so we invite all who might benefit from a little help and support to contact us for a free consultation.”

It has become common knowledge that the holiday season ranks as the most stressful time of the year for the average person, but the particular causes are sometimes less apparent. While a 2014 Consumer Reports survey highlighted relatively obvious factors like seasonal crowds and long lines, personal relationships often turn out to be even more significant. A 2012 study by an online relationship repair service in the United Kingdom, for example, identified major increases in service usage around the holiday season.

At two offices in the Chicago Loop, Symmetry Counseling helps clients restore healthy equilibrium even during such unbalanced times. Offering trained therapy for individuals, couples, and whole families, Symmetry Counseling focuses on restoring and strengthening relationships to help make lives happier and more successful.

With the 2016 holiday season almost here, many people throughout the Chicago area will be feeling stressed and worried about their relationships with others. By arranging for a free, no-obligation 20-minute consultation with a trained Symmetry Counseling specialist, anyone grappling with such concerns can find a productive way forward. Visitors to the Symmetry Counseling website can learn more about what the clinic offers and schedule their own appointment online.

About Symmetry Counseling:
As Chicago’s relationship specialists, Symmetry Counseling helps individuals, couples, and families heal, grow, and live happier, more successful lives.

For more information, please visit http://www.symmetrycounseling.com/

Contact Info:
Name: Anne Malec
Organization: Symmetry Counseling
Address: 300 W. Adams Street, Suite 514 Chicago, IL 60606
Phone: 312-578-9990

Source: http://marketersmedia.com/ahead-of-stressful-holidays-symmetry-counseling-offers-free-consultations/142190

Release ID: 142190

Travdevil announces the launch of their new soft-shell climbing, hiking and trekking pants. These are all-weather pants that are lightweight and made of a polyester and nylon fabric. The material incorporates the Gore-Tex technology which provides maximum water protection and allows sweat to dry quickly.

Portland, United States – October 29, 2016 /PressCable/ —

Online retail store Travdevil announces the launch of their soft-shell pants which can be used for hiking, camping or trekking. The pants are available in a a range of colors and sizes. They are made of a unique material that provides protection from rain and provides warmth. The pants are also breathable and allow sweat to dry easily and not remain in contact with the wearer’s skin.

For more information on the hiking, climbing and trekking soft-shell pants visit https://www.travdevil.com/products/

Outdoor activity enthusiasts participate in all kinds of terrain and environments, from harsh deserts to icy mountains, to tropical and steamy tropical lands. Therefore the clothes that are worn need to be able to provide the maximum comfort and protection without adding weight. Pants that are too thin do not provide adequate warmth and thick heavy pants add weight and cause sweat to pool against the skin, causing irritation and discomfort. The Travdevil soft-shell pants are full length pants that taper toward the end providing protection against insects and thorns and the like. The closure is with a zippered fly to provide comfort and easy operation even in pitch black conditions.

The Travdevil soft-shell pants are made of polyester and nylon, fabrics that can withstand a lot of wear and tear while being lightweight and providing protection from water. The uniqueness of the pants lies in the use of Gore-Tex technology in the material. Gore-Tex is a laminate membrane that repels water to a very high degree. Another property is that it allows sweat to pass through from the inside and dries very quickly. It is lightweight and meant for all-weather use in outer garments.

The Travdevil soft-shell pants provide protection from scratches and scrapes even on the toughest terrain. They are designed to keep the wearer warm, dry and comfortable under every climatic condition. For more information and to place an order, visit the website at the link provided above.

For more information, please visit https://www.travdevil.com

Contact Info:
Name: Robert Strong
Email: contact@travdevil.com
Organization: TravDevil
Address: 14121 NE Airport Way

Release ID: 142192

TravDevil, an outdoor sporting gear company, has released their new Waterproof Durable Outdoor Climbing Backpack. The nylon pack is designed for hiking, camping, traveling, skiing, rock climbing, running and exercising. It comes in a variety of colors with a grab top handle for easy carrying.

Portland, United States – October 29, 2016 /PressCable/ —

TravDevil, an outdoors supplies and activity company based in Portland, Oregon, has released their Waterproof Durable Outdoor Climbing Backpack. The pack is made from waterproof nylon and is designed for hiking, camping, traveling, skiing, rock climbing, running and exercising.

More information on TravDevil and their Waterproof Durable Outdoor Climbing Backpack is available on their website at: https://travdevil.com.

There are four common designs for packs including frameless, external frame, internal frame and bodypack. A frame serves to support the pack and distribute the weight of its contents across the body taking weight off of the shoulders. A bodypack is fitted with one or more pockets suspended on the wearer’s chest and loaded so the load in the front and the load in the back are close to equal.

TravDevil’s Waterproof Durable Outdoor Climbing Backpack features padded shoulder straps with adjustable loops. It is 50cm x 33cm x 20 cm (length x height x thickness), made of high quality waterproof nylon and comes with a grab top handle for easy carrying when not on the back.

The unisex backpack comes with a rain cover, and it is available in a variety of colors including black, red, blue, orange and army green. It is design for comfort and to move freely when hiking, camping, traveling, skiing, rock climbing, running and exercising.

TravDevil offers a number of other backpack designs including a Large Waterproof Travel Bag, 40L Excursion Internal Frame Climbing Bag, Large Explorer Camping Camouflage Backpack, Military Tactical Backpack, Mountaineering Bag 60L, Trekking Bag, 80L Large Capacity Camping Travel Bag and 600D Nylon Ponch Molle Triangle Backpack.

The company has products for camping, hiking, hunting and a variety of outdoor activities including tents, sun shelters, hammocks, sleeping bags & pads, knives & tools, stoves, cookware, fire starters, containers & coolers, trekking poles, clothing, footwear, solar & portable power and hunting supplies from archery to decoys, scent eliminators, calls and blinds & treestands.

More information about TravDevil and the Waterproof Durable Outdoor Climbing Backpack is available at the website listed above.

For more information, please visit https://www.travdevil.com

Contact Info:
Name: Robert Strong
Email: contact@travdevil.com
Organization: TravDevil
Address: 14121 NE Airport Way

Release ID: 142194

While leading review site will update with Black Friday offers as they become known, buyers this year might want to start shopping earlier, BlenderReviews.us reports

WALNUT, Calif – October 29, 2016 /MarketersMedia/ —

With Black Friday drawing closer, high-performance blender authority BlenderReviews.us highlighted ways shoppers can save money in the meantime. A new post at http://blenderreviews.us/, for example, details an ongoing sale on certified reconditioned Vitamix blenders, with buyers receiving discounts of over $60, in addition to an upgraded motor. In other corners of the site, readers will find a number of recently published blender recipes, from a green smoothie aimed at beginners to a new take on the ever-popular frozen margarita. As always, BlenderReviews.us visitors can count on the latest news, delicious recipes, and a steady stream of the unbiased, helpful reviews that have made the site a top destination for fans of high-performance blenders.

“Every year we scour the Internet looking for the best Black Friday deals on high-end blenders,” said BlenderReviews.us representative Jane Ow, “This year, we’ve found some pleasant surprises in the course of our research, with especially generous discounts being offered well ahead of the annual event itself. We’ve recently highlighted one can’t-miss discount for those in the market for a certified, reconditioned Vitamix, and we’ll have plenty more to offer between now and Black Friday. As always, we’ve also been busy putting up new reviews, recipes, and other features for our fans, so we encourage anyone who hasn’t been by in a while to come have a look.”

Blenders intended for domestic use can be found at retail for as little as $20, and some buyers are satisfied with what they receive. For those who plan to make heavy use of such a device, though, as by regularly turning out smoothies, frozen drinks, and the like, investing more can easily seem worth it.

BlenderReviews.us was founded to provide an important service to this large, rapidly growing segment of the blender-buying public. With high-end brands like Vitamix and Blendtec selling machines equipped with powerful motors which are built to last for many years, buyers have increasingly looked for reliable, practical analysis of blender models so they can make an informed buying decision.

By providing honest, in-depth reviews of high-performance blenders, BlenderReviews.us has developed a large, loyal following among those who insist on the best. From looking at the most advanced smart blenders like Blendtec’s 3.8-horsepower Designer 725 to well-established standbys like the Vitamix 5200, BlenderReviews.us consistently delivers insights and perspectives that help readers make better purchasing decisions.

Another important part of the site’s mission sees it keeping readers up to date with the latest sales and discounts. With Black Friday still some time off, BlenderReviews.us has nonetheless unearthed some special offers that high-performance blender buyers will want to be aware of. The new updates are online now at http://blenderreviews.us/, with many more to follow in the future.

About BlenderReviews.us:
Providing honest reviews that help readers find the right high-performance blender, BlenderReviews.us is the one-stop source for every high-end blender buyer.

For more information, please visit https://blenderreviews.us/

Contact Info:
Name: Jane Ow
Organization: BlenderReviews.us
Address: 340 S. Lemon Ave #6908 Walnut, CA 91789
Phone: 512-410-0113

Source: http://marketersmedia.com/blenderreviews-us-spots-new-high-performance-blender-deals-ahead-of-black-friday/142200

Release ID: 142200

OWL Medial Supplies announced the continued availability of their Medical supplies “incontinence products” available at https://www.owlmedical.com/. More information can be found at https://www.owlmedical.com/.

Los Angeles, United States – October 29, 2016 /PressCable/ —

Customers looking for an exceptional Medical supplies are now able to purchase incontinence products by OWL Medial Supplies. Mark, Marketing Director at OWL Medial Supplies has just released more in depth details of incontinence products’s development.

Incontinence products are designed to appeal specifically to customers from around the world and includes:

Owl Medical Supplies is a preferred online supplier of medical supplies and hospital supply products to customers in Canada, the United States and around the world. Their mission is to provide quality medical supplies online, absolute customer satisfaction, discount prices and personal attention to each order to gain the trust of the customers. Owl Medical Supplies carries over 5,000 products, from more than 25 manufacturers, for chronic conditions including Diabetes, Ostomy, Urological, Incontinence, Respiratory, Wound Care and Home Wellness.

INCONTINENCE

It is important to realize that incontinence is a very common condition and can affect even the healthiest people. Nearly 3.3 million Canadians live with either urinary incontinence or bowel incontinence every day. There are many potential reasons for incontinence, including prostate issues, stroke, cognitive impairment/dementia, or simply aging. Since there are many causes and treatments for the loss of bladder and/or bowel control, they recommend seeking professional health care advice from a Doctor or a Continence Nurse to discuss the treatments and options. Owl Medical Supplies offers a variety of incontinence products from Coloplast and Tena including adult briefs, bariatric briefs, under pads, disposable underwear, irrigation, washcloths and many more.

CATHETERS

Urinary catheters are hollow, partially flexible tubes that collect urine from the bladder. Urinary catheters come in many sizes and types. The catheter tube leads to a drainage bag that holds collected urine. Catheters are generally necessary when a patient is unable to empty their bladder. If the bladder isn’t emptied, urine can build up and lead to pressure in the kidneys. The pressure can result in kidney failure, which can be dangerous and may result in permanent damage to the kidneys. A doctor may recommend a catheter if someone is unable to control when he urinates, if he is leaking urine (urinary incontinence), or if unable to empty the bladder when he needs to (urinary retention). There are three main types of catheters.

1- Indwelling Catheters (Urethral or Suprapubic Catheters)

2- External Catheters (Condom Catheters)

3- Short-Term (Intermittent) Catheters Owl Medical Supplies is proud to carry a full range of catheters & catheter accessories from Coloplast, ConvaTec, Derma Sciences, Hollister, Urocare and more.

HOSPITAL SUPPLIES

Owl Medical Supplies carries industry-leading hospital supplies, clinical equipment, and clinical furnishing to help assure excellent patient care. Choose from over 5,000 high-quality products constructed for maximum durability, functionality, and safety, including surgical gloves, equipment and furniture, lab test kits, respirators, sterilization & monitoring equipment, stethoscopes, surgical drapes and more.

CLINICAL NUTRITION

The Nutrition Therapy is of central importance for their ability to handle diseases in general, infections, surgery and trauma in particular. The objective of the Nutrition Therapy is to maintain or improve the nutrition status by avoiding and treatment of malnutrition, maintaining body tissue and functioning plasma protein stores and to prevent macro- and micronutrient deficiency. Nutritional support can be provided either orally (oral nutritional supplements) or through a feeding tube (Enteral Nutrition) or, when the digestive tract cannot be used, through an intravenous catheter that is inserted directly into the veins (Parenteral Nutrition). Owl Medical Supplies carries a large selection of supplements, vitamins and supplies from Nestle, a trusted leader in clinical nutrition.

For more information, please visit https://www.owlmedical.com/

Contact Info:
Name: Craig Kirkland
Organization: OWL Medical
Address: 4776 Washburn Street

Release ID: 142087