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Did you know the average family needs $4,000 more in income today to keep up with prices from Jan. 1? Our Panic Proof Retirement IncomeMAX Strategies helps protect you by offering ever-increasing income. Here’s what makes us different: • 200% more income for Long Term Care Costs with no underwriting • Match on your funds of up to 15% from IRA and 401(k)s • Historical double-digit annual returns that are locked in and protected
844-44PANIC | PanicProofRetirement.com | September 2024 Panic Proof Portfolios SOUND RETIREMENT PLANNING EASES END-OF-LIFE FEARS
In an era where lifespans are getting longer, more retirees are facing a looming fear: What if I run out of money before I die? According to a recent survey, nearly 2 out of 3 Americans fear running out of money more than death itself. The longer you live, the more likely you will exhaust your savings. The average 65-year-old man will live to age 82.5, and the average 65-year-old woman will live to 85.2 years, according to the Centers for Disease Control and Prevention (CDC) — and those numbers are rising. But averages only tell part of the story. About half the population will live longer than the average. Also, if you are married, you have a 50% chance of living a very long time, to 93!
will need paid long-term care. (If you are 65 or older, that likelihood is nearly 50%.) Living longer increases the risk that inflation will eat up your investments and see the government cut your Social Security benefits. And yes, it increases the risk of running out of money before you die. Most older people cannot afford to take these risks, but insurance companies are well-positioned to manage them. Estimating, pooling, and managing risk is their business. The longest-established insurers have been doing it for centuries. They can offer assurances that no mutual fund, exchange- traded fund, stocks, or bonds can match. This is why I encourage our clients to consider annuities as a risk-reduction strategy. Some annuities ensure a retiree’s income will continue for life. Some help cover long-term care costs by doubling payouts for up to five years if you or your spouse need extra care. Other types, called indexed annuities, enable retirees to participate in stock-market gains without any risk of loss. Annuities also provide financial stability for retirees who no longer want to bother with such responsibilities as reinvesting dividends, managing stock portfolios, or building bond ladders.
of finance at York University in Toronto and a leading authority on retirement income and wealth management, strongly endorsed annuities, and owns three annuities himself. “I have spent 20 years studying this market, and I practice what I preach,” he said, explaining that none of the mainstream investments pitched by Wall Street protect investors against the downside. That is something only an insurance company can do. “If I have a guarantee that I will never lose money, not only am I sleeping well at night — I’m not panicking during the day either,” says Dr. Milevsky, who has published 17 books and 65 peer-reviewed studies on investing and wealth management. We believe in safe, secure, and straightforward retirement planning, and Panic Proof Retirement strategies are a proven route to easing your fears about retirement. We can help with all facets of retirement and investment planning. To ensure your retirement is everything you want it to be, call us today to schedule a complimentary Panic Proof Retirement checkup.
Living longer isn’t just a risk in itself. It is also a risk multiplier. It increases the likelihood that you
In a recent interview for my informational video program, Moshe Milevsky, a tenured professor
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COCA-COLA MAGIC Your Favorite Soft Drink’s Hidden Potential
Delicious Defrosting If you live in a particularly icy environment — such as a polar bear- riddled iceberg — then you may want to try out this unorthodox Coca-Cola application for yourself. Apparently, pouring Coca-Cola on your windshield can help you wipe away the ice much more easily than just using water. Coca-Clean While some may be perturbed after spilling a sugary drink on themselves, others spill Coca-Cola on themselves on purpose. This is because Coca-Cola has been heralded for its ability to remove grease stains from clothing. Apparently, for the toughest grease stains, some recommend soaking the affected area in Coca-Cola for a half-hour before tossing it in the washing machine. Coca-Cola is also touted as an agent to remove rust, clean baking equipment, whiten a toilet bowl, or wipe away oil stains from a household floor. The rumors regarding Coca-Cola’s cleaning properties are so pervasive that the company even addressed them on its website. According to the company, although “a small amount of edible acid is present in Coca-Cola,” they do not recommend using it as a household cleaner. Curling Hair Admittedly, this use has less to do with the soda itself and more with the can, but TikToker Jonathan K. Monroe made a splash with his more than 2.6 million followers when he reportedly curled his hair using nothing but an aluminum Coca-Cola can. According to the now-viral trend, the method involves putting strands of your hair into the can, swirling it around, then blowing hot air over and into the can with a blow dryer before pulling out perfectly curled hair. According to writer Angela Trakoshis from Allure, she was skeptical that the method would yield positive results. However, after trying it herself, she was shocked: “The can of Coke created not just any curl but the perfect curl.” You heard it here first — ditch your curling iron, buy a 12-pack of canned Coca-Cola, drink it, and save the cans, stat!
Dr. John Pemberton invented Coca-Cola back in 1886. In its first year, he served about nine Coca-Cola drinks every day. Its popularity has increased significantly since then — and not just among caffeine-addled polar bears in the Arctic, despite what commercials may have you believe. It is now the top soft drink in the world, with a brand valued at nearly $100 billion. However, despite its delicious taste, Coca-Cola has been used for various purposes since its inception, as myths and realizations about its properties came to fruition. Here are four wonderful alternate uses for everyone’s favorite soda!
Meat Marinade If you have ever had a glass of Coca-Cola and thought, “I want to marinate something in this,” then you are not alone. The world has experimented with the fizzy drink as a marinade for many years. The internet is a great place to find these marinated meat recipes, from Coca-Cola marinated rib-eye steaks to Coca-Cola braised pork tacos. Southern Living magazine even has its own recipe for a Coca-Cola BBQ sauce you can whip together in just 25 minutes!
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Football season is underway, and many Americans will start spending their Saturdays and Sundays tailgating in stadium parking lots. It doesn’t matter if you’re going to an NFL or college game; tailgating is a great way to spend time with your friends and family before the big game. While many tailgates consist of adult activities like drinking alcohol and blasting loud music, many prefer to make it a family affair. Score Big With Kid- Friendly Tailgates
If you plan to have kids at your tailgate, you need to ensure they have everything they need to have fun. Here are a few ways you can help your kids make the most of their day at the tailgate!
Encourage your kids to show support for their team. Whether you’re a fan of the home or away team, you and your kids should wear the right colors to show your support. Let your kids pick out a shirt, jersey, hat, or other team-affiliated apparel to help them get involved. Finally, don’t forget about your child’s need for a nap. Be sure to bring pillows and a blanket for them, and set up a comfortable spot for them to rest when needed. Doing so will allow everyone to enjoy the upcoming game to the fullest.
Bring kid-friendly snacks and drinks. The average tailgate lasts a few hours, and most people enjoy at least one meal during that time frame. While most tailgate foods are simple appetizers and easy-to-make dishes, ask your kids or any kids attending if they want anything specific. Fill one of your coolers with sliced fruit and juice boxes to ensure your kids have a healthy food option and child-friendly drinks. Plan a few different activities. Your kids will get bored if there’s nothing to do at the tailgate besides listening to pregame coverage and talking to others. Invest in cornhole boards or other games, and see if someone in your group is comfortable with face painting. It doesn’t have to be extensive, but having a few kid-friendly activities prepared will keep boredom at bay.
Tasty Turkey Meatloaf This turkey meatloaf is packed with flavor and protein, perfect for a family dinner or meal prep!
TAKE A BREAK
Ingredients
• 1 lb ground turkey • 1 onion, diced
• 2 tbsp ketchup • 2 tbsp Worcestershire sauce • 2 eggs • 2 tbsp chopped fresh parsley • Salt and pepper, to taste
• 2 cloves garlic, minced • 1/2 cup bread crumbs • 1/2 cup grated Parmesan cheese
Directions
1. Preheat oven to 375 F and line a baking dish with parchment paper. 2. In a large bowl, combine turkey, onion, garlic, bread crumbs, Parmesan cheese, ketchup, Worcestershire sauce, eggs, parsley, salt, and pepper. 3. Form the mixture into a loaf shape and place it in the baking dish. 4. Bake for 45 minutes or until the internal temperature reaches 165 F. 5. Let the meatloaf rest for 10 minutes before slicing.
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PRST STD US POSTAGE PAID BOISE, ID PERMIT 411
40900 WOODWARD AVE., STE. 150 BLOOMFIELD HILLS, MI 48304
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Conquer Retirement Fears With Panic Proof Planning
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Unexpected Uses for Coca-Cola
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Family Fun at the Tailgate Tasty Turkey Meatloaf
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Simplify Your Supplement Routine
Vitamins Made Easy
The Essential Trio for Any Lifestyle It’s daunting to determine which vitamins and supplements to take when every doctor, dietitian, and online health guru has a different list of must-haves — and they’re usually pretty long. Looking for somewhere to get started? Here are three supplements almost everyone can benefit from!
Vitamin D Everyone knows you need calcium for strong and healthy bones — but without vitamin D, you’re missing out on critical benefits. Vitamin D promotes calcium absorption in the body, so many milk brands fortify their products with vitamin D. It’s essential to prevent
A Multivitamin Stress, health changes, and even prescription medications in our everyday lives can sap our energy and deplete crucial vitamins. Generally, the best way to replenish what we’ve lost is through various fruits and vegetables. Still, with busy schedules, diminished appetites, or other obstacles, that’s not always possible. A multivitamin is a great starter supplement, as it can help fill various nutritional gaps. Omega 3 Fatty Acids These specific types of fat are found most abundantly in fish, nuts, seeds, and eggs. They facilitate cellular function and are essential for the heart, brain, and eyes. Unfortunately, our bodies can’t produce enough fatty acids independently, so we must add more through our diets or supplements. Benefits include a lowered risk of developing heart disease, blood clots, certain types of cancer, dementia, Alzheimer’s, age-related macular degeneration, and more.
osteoporosis. Additionally, vitamin D is critical for cell growth and reducing inflammation, and it’s easy to obtain from sunlight. Unfortunately, many people are deficient in this one. Why? Our modern lives keep many of us indoors. If you’re looking to start a vitamin regimen but all the different health advice on the web overwhelms you, take a step back and start simply. Remember, you can always add more later. Keeping it simple initially will increase your likelihood of sticking to your plan! Try starting with these three supplements, see how they make you feel, and then take it from there.
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