A steady income of cash comes from several factors

Mississauga, ON, Canada – August 30, 2019 /MarketersMedia/ —

Enjoying the retirement period is possible; however it needs detailed planning and careful investment. Brian Poncelet, an Ontario financial planning expert, explains that a steady income of cash comes from several factors, such as choosing the right ideas and products. “Many people considering their options for retirement income are introduced to the idea of annuities, but while the concept has existed since the days of the Roman Empire, it seems investors often struggle to grasp the specifics of the modern-day version of this product,” says Poncelet, who has written on the matter and continues referencing his clients to his article to this day. “Strictly speaking, annuities are not investments although they are typically described as such in marketing materials,” Brian Poncelet explains. Canada’s Financial Consumer Agency provides the following definition, “An annuity is a financial product sold by an annuity provider, such as a life insurance company, that will pay you guaranteed regular income.” The payments comprise both principal and interest, the latter being taxable although the amount due is deferred because the tax is spread over the life of the annuity. The chief attraction of this product is the guarantee it offers: the money will keep coming for as long as the policy buyer lives, while there is no such certainty with income derived from Guaranteed Investment Certificates (GICs), stocks, or mutual funds, Brian Poncelet points out. The factors that determine the annuity income are interest rates, gender (women have longer life expectancy), and the number of years an annuitant wants the payments guaranteed.

While the majority of people can easily grasp the overall advantages, the variety of contract types complicates matters for those who are not insurance specialists or seasoned investors. The choice should be guided by two key considerations: whether the annuity should transfer to a beneficiary after the buyer’s death, or the policyholder wants regular payments. In the latter case, the parties to the contract can arrange for income that increases or decreases at certain intervals. With a life annuity, a person is guaranteed income until they pass away, with the payments typically ceasing after death. However, the contract can include provisions that ensure continued reimbursement to a beneficiary or the annuitant’s estate, but the additional features will reduce the amount, Brian Poncelet explains. In the case of a term-certain annuity, income payments are guaranteed for a fixed period of time, meaning that a beneficiary or an estate will be entitled to the remainder of the funds should the buyer die before the term expires. Insurance companies also offer the so-called variable annuity, where a portion of the income is determined by the performance of an investment made on behalf of the buyer by the annuity provider. Therefore, this type carries an element of risk because the capital markets fluctuate, so the rates of return can affect the income. Given the intricacies of this financial product and the numerous features that can be incorporated additionally to maximize outcomes, potential annuitants are strongly advised to seek the help of experienced professionals.

Brian Poncelet is a Canada-based insurance expert and independent certified financial planner (CFP) with over 25 years of industry experience. Working alongside company leaders, managers, and self-employed individuals, he offers advice and support that allow them to improve cash flow efficiency, minimize taxes, implement protection strategies, and access retirement funding options. As a third-party administrator, he provides alternatives to traditional employee benefits arrangements, including healthcare spending, accounts, and administration. Brian Poncelet is focused on developing comprehensive plans and making recommendations that ensure his clients achieve the best outcomes and value.

Brian Poncelet – Insurance Expert and Certified Financial Planner: http://brianponceletnews.com

Brian Poncelet (@Brian_Poncelet) – Twitter: https://twitter.com/brian_poncelet

Brian Poncelet, CFP – Certified Financial Planner – Plan your future: https://ca.linkedin.com/in/brianponcelet

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Email: Send Email
Organization: PlanYourFuture Brian Poncelet, CFP Financial Planner
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Source URL: https://marketersmedia.com/brian-poncelet-talks-about-how-allowances-work/88913948

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Release ID: 88913948

There are several well-tested methods for dealing with financial obligations

Aliso Viejo, CA – August 30, 2019 /MarketersMedia/ —

The US household credit and debit grew significantly over the past 10 years, as was revealed by the Federal Reserve Bank of New York who released its third-quarter report. With an extra $219 billion, it got to a total of $13.51 trillion, thus increasing for its 17th quarter in a row. These numbers are 21.2% higher than those registered mid-2013, after the crisis. While high levels of indebtedness in a nation are typically regarded with concern, it is worth taking into consideration the fact that they could be sending positive signals as well – an increase in household borrowing is indicative of confidence about the future. Moreover, the ability of US consumers to repay their obligations has improved significantly since the 2008 financial crisis due to low interest rates and sustained economic growth, as highlighted in a report by Moody’s Investors Service. Nevertheless, many households struggle to manage their debt burden, typically having to deal with mortgage, credit card, student, auto, and personal loans all at once, comments financial expert Tony Amaradio, adding that the right choice of repayment strategy can significantly lighten the load and ultimately eliminate liabilities.

There are several well-tested methods for dealing with financial obligations, and while most borrowers are probably aware of them, they find it difficult to select the one that best aligns with their goals. The so-called snowball and avalanche strategies are perhaps the best-known options, the first factoring in the amount to be repaid and the second focusing on interest rates, with payments prioritized on the basis of these parameters. With the snowball approach, borrowers start by eliminating the lowest balance and proceed upward, while the avalanche method involves the repayment of debt with the highest interest rate first and moving down the ladder. With credit card loans, in particular, a combination of the two can be implemented, this hybrid approach having certain benefits from a psychological point of view: as a study by the Harvard Business Review and HelloWallet found, morale is a critical motivator in debt repayment. Households dealing with multiple loans can benefit from a debt consolidation strategy, which not only simplifies matters but can reduce the interest rate for those with a good credit score.

While borrowers have a number of options, it can prove difficult to select the right one, especially since people are motivated by different things, Tony Amaradio points out. The snowball strategy would be suitable for those who are psychologically rewarded by immediate progress, while the avalanche method is for people concerned about costs or dealing with a large amount of high-interest debt. The hybrid approach offers the desired “quick win” but can also lead to substantial savings, whereas debt consolidation may not be possible for people with an impaired credit history. Since multiple factors come into play, the best course of action is to seek the advice of an expert debt consultant, who can evaluate all aspects of a given financial situation and recommend the optimal strategy.

Financial expert and dedicated philanthropist Tony Amaradio is the founder and chief strategist of Select Portfolio Management Inc and Select Money Management Inc, where he employs an innovative integrated strategy to maximize results for clients. Earning his BBA from the University of Michigan and an MBA from the University of Detroit, Amaradio commenced his career in the financial services industry. Passionate supporters of charitable causes, he and his wife Carin are often invited to speak at events hosted by non-profit organizations, many of which rely on his expertise to optimize their capacities and thus improve their effectiveness.

Tony Amaradio – The Best Thing You’ve Ever Done! on Vimeo: https://vimeo.com/313895972

Anthony Amaradio – Facebook: https://www.facebook.com/Anthony-Amaradio-580623782054204

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Email: Send Email
Organization: AnthonyAmaradioNews.com
Website: http://www.anthonyamaradionews.com

Video URL: https://www.youtube.com/watch?v=Nz0jAilnkPg

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Source: MarketersMedia

Release ID: 88913969

Brailow’s company makes a difference in society through a plethora of ways.

Los Angeles, CA – August 30, 2019 /MarketersMedia/ —

Known as a leading international company that specializes in strategic IT resources and intellectual asset management, led by serial entrepreneur, Jason Brialow, his company is much more than just that. From the day Brailow started his company, he has put an emphasis on corporate engagement and responsibility and has made this one of the core values of his team. Brailow believes that any successful organization can make a change in society through philanthropic efforts and investing in social development. Every company should do what they do best, so Brailow applies his business strategies to his charitable tactics by focusing on development, optimization, and expansion of business opportunities.

Brailow’s company makes a difference in society through a plethora of ways. They activate volunteer endeavors, provide financial support, and build partnerships with nonprofit organizations across the world, according to Jason Brailow. One example is his company’s donor-advised funds, which actively support various important socio-civic areas, which in return are very beneficial to society. The fund program concentrates especially on the creation of educational opportunities, such as after-school programs or scholarship grants. Another more hands-on project is the company’s “From Office to Streets” initiative for which all of Brailow’s employees, regardless of their position, visit orphanages and take care of the children, clean the streets, give food to people and help wherever they can. The idea is to not only demonstrate corporate engagement, but also put an emphasis on the social responsibility that each individual has.

Internationally renowned, Brailow’s company is based on three main pillars: strategy, innovation, and dynamics. Due to Brailow’s extensive experience as an IT developer and software architect, he has built a successful company that offers holistic business solutions in the fields of technology, research, and innovation. Setting themselves apart from competing companies, Brailow’s team is praised due to its comprehensive approach that utilizes a multitude of different concepts and strategies. As a result, the dedicated and competent service team members at Brailow’s firm are experts in providing flexible and resourceful solutions, products, and innovations that do not only live up to, but rather exceed clients’ expectations.

Jason Brailow is a forward thinking serial entrepreneur, founder, and investor who has a pedigree of identifying unrealized potential, building operational value, and monetization. With a knack for building businesses, he has founded a handful of TECH start-ups over the last several years resulting in a series of accomplishments: Inc 500 – Product of the Year – Rising Star Award – Entrepreneur of the Year. Recognized as one of the foremost authorities in Online Advertising, Jason Brailow has always had an entrepreneurial spirit but garnered his savvy business sense while starting, acquiring, and selling several ventures. His forward thinking and technological mindset has enabled him to build companies that create products used by consumers daily, around the globe.

Jason Brailow – Recognized Online Advertizing Expert: http://www.jasonbrailowinfo.com

Entrepreneur Jason Brailow to Race in the 2015 Dakar Rally: https://finance.yahoo.com/news/entrepreneur-jason-brailow-race-2015-184023334.html

Jason Brailow – Crunchbase: https://www.crunchbase.com/person/jason-brailow

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Organization: JasonBrailowInfo.com
Website: http://www.jasonbrailowinfo.com

Source URL: https://marketersmedia.com/jason-brailow-invests-in-social-development/88913972

Source: MarketersMedia

Release ID: 88913972

Global Preclinical CRO Market Information by Service, Application, by End User and Region – Forecast till 2024

Pune, India – August 30, 2019 /MarketersMedia/ —

Global Preclinical CRO Market will register approximately 6.6% CAGR throughout the estimated period (2018 – 2023), gaining further prominence by the end of the year 2023. In 2017, the gains of the market had reached to USD 4,450.2 MN.

Factors such as the increasing number of research & development activities required for the discovery of therapeutic drugs and medicines and the development of medical devices and other pharmaceutical products are attributing to the growth of the preclinical CRO market.  Moreover, improving economic conditions globally that are increasing the healthcare expenditures are escalating the market on the global platform.

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Further, the preclinical CRO market is predominantly led by the augmented demand for various useful medical devices, breakthrough medicines, and generic drugs for various therapeutics.  Additionally, the growing number of patent expiries of drugs are fostering the growth of the market.

Also, the ever-increasing population that is increasingly adopting the heady & sedentary lifestyle is eventually leading to increasing the prevalence of chronic diseases & disorders which is a key driving force reasoning to the outstanding growth of this market.

On the flip side, factors such as the increasing complexities in the clinical trials and the lack of in-house laboratory capacity are some of the major factors impeding the growth of the market. Also, factors like the structural changes associated with the employment in the industry are acting as a major headwind that is inhibiting the growth of preclinical CRO market, especially, in the developing regions.

Nevertheless, the growing emphasis of pharma companies on improving the production of drugs rather than getting involved in the clinical trials which is a new interesting trend observed in the market during the analysis will support the growth of the market to an extent.

A preclinical contract research organization or preclinical CRO provides the required expertise to take a pharmaceutical product or medical device from its clinical stage to marketing or distribution. The global preclinical CRO market has been growing pervasively over the past few years. Over the last decade, the demand for therapeutic medicines and devices has increased dramatically, increasing the R&D activities for new drug discovery drastically.

Competitive Players:

PAREXEL International Corporation, IQVIA, Envigo, Charles River, ICON plc., Eurofins Scientific, Medpace, PRA Health Sciences (PRA) and others.

Segment Analysis:

The global preclinical CRO market has been segmented on the basis of services, therapeutic area, end user and region. On the basis of service, the market has been divided into the toxicology testing, bioanalysis & bioanalysis, and drug metabolism and pharmacokinetics (DMPK) studies and others. The toxicology segment held the majority market share in 2018. However, bioanalysis & bioanalysis and drug metabolism and pharmacokinetics (DMPK) studies are expected to be the fastest-growing owing to the new technological developments by various companies to provide better services to pharmaceutical companies.

Regional Analysis:

Geographically, the global preclinical CRO market has been segmented into North America, Europe, Asia-Pacific, and the Middle East & Africa. As per MRFR analysis, the Americas was the largest market for the preclinical CRO in 2018 and is expected to remain dominant during the review period. Europe accounted for a significant market share and is projected to be the second-largest market during the forecast period. The increasing outsourcing activities in Europe are driving the growth of the preclinical CRO market in the region. Germany accounted for the largest market share of 24.7% in 2018, and the country-level market is projected to register a CAGR of 6.69% during the forecast period.

Key Findings of the Study:

The Global Preclinical CRO Market is projected to reach over USD 5,234.7 Million by 2024 at 14% CAGR during the review period of 2019 to 2024.

Americas accounted for the largest market share with North America being the major contributor to the growth of the market.

The toxicology testing segment is projected to register the highest CAGR of 8.79% during the forecast period owing to the increasing demand for testing new drugs and chemicals.

Key manufacturers are adopting geographic expansions, corporate acquisitions, and product launches as growth strategies. Moreover, they are focusing on e-commerce for distribution.

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At Market Research Future (MRFR), we enable our customers to unravel the complexity of various industries through our Cooked Research Report (CRR), Half-Cooked Research Reports (HCRR), Raw Research Reports (3R), Continuous-Feed Research (CFR), and Market Research & Consulting Services.

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Source URL: https://marketersmedia.com/preclinical-cro-market-size-share-2019-growth-regions-major-players-future-prospects-mega-trends-and-forecast-to-2023/88913848

Source: MarketersMedia

Release ID: 88913848

Nashville, TN in-home speech therapist Lindsay Backus launched a new therapy program for children experiencing speech and language difficulties.

Nashville, United States – August 30, 2019 /PressCable/ —

Lindsay Backus, a licensed speech-language pathologist and in-home therapist based in Nashville, Tennessee, announced an updated range of services for children struggling with speech issues. Using the It Takes Two To Talk program developed by The Hanen Center, Lindsay incorporates language building strategies into play and everyday activities, fostering a strong parent-child-therapist communicative relationship and helping children overcome their speech and language challenges.

More information can be found at https://www.lindsaybackusspeech.com.

Working with a professional speech therapist can significantly improve the chances of optimal speech development and overcoming speech and language issues. A professional will be able to design a custom therapy plan adapted to the needs of each child, helping them develop both their receptive and productive skills.

Lindsay Backus is an experience speech-language pathologist and certified in-home therapist offering expert therapy for children with a variety of speech issues.

She uses a high-efficiency system developed by The Hanen Center to promote healthy speech development.

At the core of the It Takes Two To Talk Program is the idea of parent involvement. Lindsay will encourage parents to participate in the therapeutic process of their children, as well as integrating speech therapy into a variety of everyday activities.

The program begins with a detailed assessment of the child’s speech issues and therapy needs, followed by the setting of custom communication and language goals, and the creation of custom therapeutic activities.

With the recent update, Lindsay Backus continues to expand her speech therapy services according to the latest psychological and medical innovations.

A satisfied parent said: “I could not be more pleased with our experiences with Lindsay Backus! She is very focused and demonstrates a passion for what she does and sincere care for the children she works with. We saw wonderful progress with both our daughters under her direction and we would definitely recommend her services!”

Interested parties can find more information by visiting the above-mentioned website.

Contact Info:
Name: Lindsay Backus
Email: Send Email
Organization: Lindsay Backus, Speech-Language Pathologist
Address: 2509 Polo Pl, Nashville, TN 37211, United States
Phone: +1-318-243-4395
Website: https://www.lindsaybackusspeech.com

Source: PressCable

Release ID: 88913608

Graphical Research has reported the addition of the “Plant Based Water Market: Europe Industry Analysis and Opportunity Assessment 2019 – 2024″ report to their offering.

India – August 30, 2019 /MarketersMedia/ —

Plant based water are natural, functional and convenient product that provide nutritional aids without sacrificing taste. Increasing trend for nutritional and performance drinks owing to the evolving dietary habits of positive functional attributes and on-the go consumers will thrive product demand in near future. Aerated drinks and alcoholic beverages are associated with high sugar content which cause obesity, tooth decay, diabetes. Rising trend for naturally sweetened beverage with low calorie will flourish the plant-based water demand by the end of forecast timeframe.

Request for a sample of this report @ https://www.graphicalresearch.com/request/1110/sample

According to the Graphical Research new growth forecast report titled “Europe Plant – Based Water Market Size & Share by Product, by Flavor Variant, by Pack Type, by Distribution Channel, Regional Outlook, Industry Forecast, 2018 – 2024”, estimated to exceed USD 3.5 billion by 2024.

Segments We Cover:

Europe Plant – Based Water Market by Product
Coconut Water

Maple Water

Birch Water

Artichoke Water

Cactus Water

Others

Europe Plant – Based Water Market by Flavor Variant
Flavored

Original

Europe Plant – Based Water Market by Pack Type
Cans

Bottles

Cartons

Pouches

Europe Plant-Based Waters Market, By Distribution Channel
Online

Retail stores

Cafes & fitness centers

On the contrary, limited time for the consumption of these product after seal break will hinder the plant-based water demand. Moreover, distribution channel for these products are complex than aerated drinks which will impede market growth in near future.

Among the product segments in the Europe plant-based water market, birch and maple products will have high penetration in the plant-based water demand during the forecast timeframe. Rising demand of these products in eastern Europe and Scandinavian will spur product demand in near future. Based on distribution channel the plant-based water demand is segmented as cafes & fitness centers, online platform and retail stores. Retail stores is likely to grow with annual growth exceeding 20% due to high showcased product and provide customers to pick recent manufactured products.

Nordic countries and United Kingdom together account for over 40% of the overall market share. New technological development in these to collect the tree sap to manufacture plant-based water will boost plant-based water demand in these countries. Moreover, birch sap is mainly harvest in Europe countries including Norway, Denmark, Sweden, Finland and others will boost the product demand by the end of forecast timeframe.

Browse key industry insights along with Table of Content @ https://www.graphicalresearch.com/industry-insights/1110/europe-plant-based-water-market

Key Europe plant-based water market participants includes, ARTY Artichoke Water, PepsiCo Inc., The Coca-Cola Company, Oviva Maple Water Company, DRINKmaple, BelSeva, Nordic Koivu, Sibberi, happytree Maple Water and Vertical water.

Contact Info:
Name: Parikhit B.
Email: Send Email
Organization: Graphical Research
Website: https://www.graphicalresearch.com/industry-insights/1110/europe-plant-based-water-market

Source URL: https://marketersmedia.com/europe-plant-based-water-market-to-witness-growth-of-35bn-by-2024/88913801

Source: MarketersMedia

Release ID: 88913801

Corala Blanket is a new startup company that has launched with a premium designer weight blanket set with free shipping to the USA and a 30-day trial.

August 30, 2019 / / —

Corala Blanket is a new startup that specializes in premium weighted blankets. Their company has recently launched with a designer weighted blanket set that is the result of months of designing, testing and collaboration between regular everyday users and medical professionals that understand the benefits of weighted blankets. Corala Blanket’s mission is to improve people’s quality of life by providing them with the most durable, comfortable and effective blanket on the market.

The name comes from the color, Living Coral, which was voted 2019’s Pantone Color of the Year by design and color professionals. The blankets are made from 100% cotton, real glass beads and follow strict workmanship practices to provide the best product possible. It’s filled with 170gsm 3D hollow fiber blend and odorless, non-toxic and lead-free glass beads. The blanket is quilted with double reinforced stitches and edges to prevent leaking and improve durability. The blanket It also utilizes smaller-than-average 4×4” diamond squares to keep the weight distributed perfectly at all times. The premium quality and unique color of the Corala blanket makes it a great addition to luxury homes.

The company offers free delivery to the US and a 30-night trial to test the blanket. If the customer is not satisfied, then they can return it for free with a full refund. The product also comes with a 1-year warranty to cover defects. The company also vowed to reduce its carbon emissions by working with green fulfillment facilities in the United States. Total product shipment emissions are calculated and donations are made to support Carbonfund.org’s carbon reduction products which neutralizes the emissions generated from the company’s shipments.

The Corala Blanket set is now available for purchase and includes the Corala Weighted Blanket, a free Winter Duvet Cover, Summer Duvet Cover and comes in a Corala gift box. Shipping is free of charge to the lowest 48 states and the company offers a 30-day trial with a free return if customers are not satisfied. For more details, please refer to the contact details below.

Contact: Lez Taylor
Phone: 36209772779
Web: https://www.coralablanket.com/
Email: info@coralablanket.com

Contact Info:
Name: Lez Taylor
Email: Send Email
Organization: The Corala Blanket
Phone: 36209772779
Website: https://www.coralablanket.com/

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Release ID: 88913943