Check out our August newsletter!
Did you know the average family needs $4,000 more 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 401ks • Historical double-digit annual returns that are locked in and protected
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Americans entering retirement today are facing the most challenging times in history. Relentless inflation, coupled with massive stock-market crashes every few years, has filled many retirees with a fear of running out of money — a risk some dread more than death itself. To address these concerns, we are embracing a new strategic focus and rebranding our firm as Panic Proof Retirement. Our team is devoting all of our resources to helping clients avoid the major retirement-planning pitfalls that could jeopardize their financial future. Our trademarked IncomeMAX strategies are a proven path to achieving a guaranteed lifetime income, protection from stock-market losses, and a doubling of income if needed to cover long-term care costs — with no medical exam required. In a special offer during the month of August, visitors to our website can enjoy free access to my new TV show covering our proprietary IncomeMAX strategies. Our strategies insulate retirees from stock-market losses while still affording access, to some extent, to stock-market gains. Consider this example. Imagine that you invested $100,000 in blue chip stocks in 2000. In less than three years, the dot-com crash would have wiped out more than half of your nest egg. In this scenario, you would still be under water a decade later, with only $97,000 in your account. Fast forward to 2023, and your account would have recovered to just over $236,000.
With Panic Proof Retirement, you would have been protected from the market crash that crippled your portfolio, leaving your $100,000 initial investment intact. After 10 years, your portfolio would have grown to $219,000. Fast forward to 2023, and your nest egg would have expanded to more than $587,000 — nearly 2.5 times your returns on stocks over the same period. As my new TV show explains, a series of fundamental changes has made these strategies essential. First, many of the 10,000 baby boomers who retire every year are putting their hard-earned assets into the wrong investments. Second, Americans’ average life expectancy has increased by 16% since 1950 to 79 years, raising concerns that conventional strategies are inadequate. Finally, rising inflation and stock market volatility coupled with the risk of Social Security cutbacks are further undermining retirees’ futures. Our IncomeMAX strategies help guard against these hazards. Indexed annuities are backed by insurance companies, which are masters of risk reduction. Actual total returns from fixed-income annuities outperform stock-index investments more than 67% of the time, according to a seven- year study led by David F. Babbel, a professor at The Wharton School. As more investors catch on to these benefits, sales of indexed annuities posted a year-over-year increase of 20% to $95.5 billion last year, industry data show.
Our approach also helps clients avoid another risk unique to retirees — the sequence of return risk. While investment advisors often counsel retirees to withdraw about 5% of their assets yearly, this can result in disastrous losses during bear markets. If you pull money out of a portfolio that is dropping like a rock, you are killing dollars that should have been there to make up losses when the market recovers. Our Panic Proof Retirement system protects you against this risk and many more. Our IncomeMAX strategies offer the potential to jump-start your retirement earnings with a match of up to 15% of your assets. Also, your income can double for up to five years if you or your spouse needs long- term care without medical underwriting. We believe in safe, secure, and straightforward retirement planning, and Panic Proof Retirement’s IncomeMAX strategies are proven, protective, and reliable. Please visit our website to view my new TV show and receive a free copy of my Panic Proof Retirement kit. Make sure your retirement is everything you want it to be! Call us today to schedule your complimentary Panic Proof Retirement checkup.
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Back to School Tips for a Successful First Day of Class With summer break tragically ending (as it does, sadly, every year), it is time to get back in the groove and prepare for the new school year. If you want to get over the first-day jitters and start out strong, employ these tips to make your first day back at class so successful that others will want to study it. Getting a Head Start According to research by the Center for Economic Security and Opportunity, students lose as much as 25%–30% of the knowledge they accumulated the previous school year over summer break. Reading and math skills are particularly affected and see the highest regression rate. And the higher your grade level, the more you are likely to forget. The best way to combat this summer slump is to keep learning. Try reading books and practicing arithmetic at least three times a week to ensure you can maintain what you have previously worked so hard to learn. Shopping Spree You also want to come to school prepared! Shopping for school supplies is a great way to get everything you need for the year ahead, including a snazzy new outfit for the first day, notebooks, organizers, and favorite brands of pens and pencils. It’s also important to write your names in your notebooks to make
BANISH SUMMER BEAUTY MELTDOWNS!
Dermatologist-Approved Hacks to Stay Cool
For many, this summer has been hot, bringing many sweat-related issues that can wreak havoc on your skin-care routine. As we head into the summer’s twilight, consider adjusting your techniques with three dermatologist-approved tricks to beat the heat. Smell fresh all day. You know the tragic moment when you spritz on your favorite perfume, only to have the scent fade away before you’ve even made it out the door? A moisturizer can prevent that — specifically, an occlusive kind containing petroleum, like CeraVe or Aquaphor healing ointment. These products create a barrier on your skin, slowing the evaporation process and allowing your scent to remain fragrant longer. Free the pits. Do sweaty or dark-colored armpits keep you from raising your arms too much during the summer? Thanks to glycolic acid wipes, it’s time to throw your hands in the air like you just don’t care. Regularly using face or body pads containing BHA
them easier to identify if they end up in the lost and found!
Mental Map No one likes getting lost. Whether returning to the same school as last year or heading into a new environment, finding your way can be daunting. If you arrive at school early, you can figure out where
(beta-hydroxy acid) or AHA (alpha-hydroxy acid) on your underarms can quickly refresh between showers and reap some top-notch benefits. These naturally occurring acids exfoliate the skin, unclog pores, heal sun damage, and help to lighten dark spots. Additionally, AHA and BHA can keep body odor away no matter how hot it gets.
Say bye-bye to makeup stains. As the adage goes, you can’t wear white after Labor Day — which makes summer the ideal season to strut your stuff in all your best achromatic outfits. Before you get dressed, take this simple precaution to prevent makeup and tinted SPF from smudging all over the collars of your crisp, clean shirts. The hack? A little hairspray on your clothing prevents smudging by leaving a thin film, creating a barrier between your makeup and the fabric. It might be the hottest time of the year — but that doesn’t mean you need to accept a total beauty meltdown. By incorporating these simple hacks into your daily summer routine, you’ll keep your cool in style for the rest of the season.
each class is and plot your path beforehand. Getting a feel for where you need to go
throughout the day can be a great way to help you feel more prepared and comfortable. Many schools also have physical maps, which can be a great resource to store in your backpack if you ever find yourself turned around.
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Discover and Explore
SCAVENGER HUNT IDEAS FOR KIDS
If you need something to do with your family this summer, a scavenger hunt may be just the thing! They are fun to put together and a versatile way to entertain kids of all ages. Whether you are searching indoors or out in nature, identifying artwork or insects, scavenger hunts are an excellent way to beat back boredom and engage your children in an exciting, exploratory activity! Here are four scavenger hunt ideas you can adapt for your home. Back to School If you want to get your kids in the mood to return to class, why not introduce the idea via an interactive, school-related scavenger hunt? You can have them find their new backpack and notebooks, pens, pencils, and other classroom supplies you have ready for them. Flashlight Finder For this scavenger hunt, turn out the lights and grab your flashlights! While searching for something in the dark may sound like the setup for a horror movie, it’s not! It can be a lot of fun when it’s part of a curated scavenger hunt. Best of all, this scavenger hunt can be done outside or inside. Hide easily recognizable items and get the family searching. Identifying Insects If you have a backyard or a park nearby, likely many bugs are out there waiting to be identified. Take a walk for yourself and see what
creatures you can find. Bees, ladybugs, and ants are a great start. Depending on your area, you can even add some rarer bugs to the list! This is also a great way to teach your kids which bugs are friendly and which they should avoid. Just be sure to create a way for seekers to document their finds without hurting the insects, like using a phone camera.
Art Exhibit Want to get your kids more interested in the works of famous painters and sculptors? Print some pictures of their works on display at a local museum and compile them into a scavenger hunt sheet. At the museum,
have your kids match the works with their respective artists and genres, allowing them to better understand the wonderful world of art! Encourage them to take note of other artwork they like or recognize!
Limited Time Offer for August Only! Our IncomeMAX strategies are a proven path to achieving a guaranteed lifetime income, protection from stock-market losses, and a doubling of income if needed to cover long-term care costs — with no medical exam required. In a special offer during the month of August, visitors to our website can enjoy free access to my new TV show covering our proprietary IncomeMAX strategies.
Tasty Cucumber Sushi Rolls
Ingredients
• 1 cup uncooked sushi rice • 1 1/2 cups water • 2 tbsp rice vinegar • 1 tbsp sugar
• 1 tsp salt • 2 sheets of nori • 1/2 a cucumber, sliced lengthwise into thin strips
1. To make sushi rice, combine rice with water in a small saucepot. Add vinegar, sugar, and salt. Bring to a boil, cover, reduce heat, and simmer for 15–20 minutes until water is absorbed. Let cool. 2. Lay a piece of nori on a flat surface. Spread half of the sushi rice evenly over the nori, leaving a 1/2-inch border on one end. 3. Place half the cucumber strips along the other end of the nori. 4. Using your fingers, moisten the 1/2-inch border of the nori with water. 5. Gently roll up the nori, starting from the end with the cucumbers. Then press to seal. Repeat with a second sheet of nori and remaining cucumber. 6. Slice with a serrated knife into 1-inch sections and serve. Directions
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INSIDE
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Panic Proof Retirement Resolves Retirees’ Worst Fears
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Start Strong This Upcoming School Year Simple Tricks for Cooling Off Your Beauty Routine
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Indoor and Outdoor Scavenger Hunt Ideas Tasty Cucumber Sushi Rolls
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Eyeing Up Potatoes’ Vital Role in Health
Why Potatoes Deserve a Place on Your Plate Are potatoes good for your health? Misconceptions abound about the humble spud, one of the most widely eaten foods in the world (third most popular, behind rice and wheat). So, why is this mighty tuber such a controversial topic — especially when the United Nations Food and Agriculture Organization declared 2008 the International Year of the Potato? SPUD STATS!
Full of Gut-Friendly Fiber Starches, often found in grains or potatoes, are long chains of glucose, and different types react in various ways in your body. Resistant starch, which potatoes contain, functions as a soluble fiber, which provides a range of benefits, including improved gut and insulin health, decreased blood sugar levels, and a whole host of other advantages that aid digestion. In other words, potatoes help keep you regular.
It’s time to praise the tater and recognize it as a budget-friendly and versatile nutrition powerhouse! Still unconvinced? Let’s look at some spud stats that might make you reconsider turning down those fries at second breakfast. Packed With Vitamin C Did you know that one medium-sized baked potato has about 17 milligrams of vitamin C, roughly 35% of the recommended intake for a healthy adult? Between the 16th and 19th centuries, also known as the Age of Sail, potatoes were a vital ration for travelers at sea because vitamin C is essential for preventing scurvy. More Potassium Than a Banana A single medium-size russet potato has a whopping 610 milligrams of potassium, approximately 40% more than a banana. That’s great for nutrition, as this mineral is vital for many bodily functions. Not getting enough can cause problems for your nervous system, muscles, and heart.
Potatoes are more than a staple food and deserve more nutritional credit. With their high vitamin C, potassium, and fiber content, these
budget-friendly and versatile sources of essential nutrition belong in any balanced diet. Just remember not to go overboard on the butter or cheese, and you can enjoy your spuds knowing you’re fueling your body well.
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