A Time Line To Create Wealth

A Time Line To Create Wealth

PALOS VERDES, CA- Our investment philosophy is based on an individual’s chronological time line, which consists of three periods: (1) asset accumulation, (2) wealth building, and (3) asset conservation and how they are used to create wealth
The Playing Field is not level

 

The financial journey through life’s time line starts at different levels, depending on whether you were born with a plastic or a silver spoon in your mouth. As you travel through your time line, your in-vestment options change. Knowing where you are and what options are available will help you make the right choices.

A Winning Financial Plan up to Age 35 A Time Line To Create Wealth

The first chronological period of your life—mid-twenties to mid-thirties—should be devoted to accumulating assets and acquiring basic necessities. When you’re just starting out, your assets are usually limited and the major portion of your income goes for the basic needs—food, clothing, and shelter.

This is the time to save, save, save! Amass as many investment dollars as possible. Your approach to investing during this period should be through tax-deferred plans at work or Individual Retirement Accounts (IRAs). Your degree of risk should be moderate. Investments included in this category are high quality corporate bonds, blue chip stocks, and growth-oriented no-load mutual funds.

Every effort should be made to purchase a home now. The advantages, from tax savings and equity buildup, historically outweigh the short-term benefits of lower monthly rent payments.

Be careful when sheltering yourself and your family from liability. Only pay for protection when you’re purchasing life insurance. Purchase whole life insurance if it will yield a higher rate of return than other investments. After reading the chapter on asset protection, you might seriously consider reducing your liability coverage.

Remember, your main financial goal during this time is tax-deferred accumulation of capital. Don’t take risks with your investments. Save as much as you can so that when you enter the next phase of the time line you’ll be ready to move forward. A Time Line To Create Wealth

Investing between the Ages of 35 and 50

After earnings have increased, assets have been accumulated, and necessities are under control, it’s time to move on. Ready or not, you must face the challenges during this aggressive investment period of your life, when you are between your mid-thirties and early fifties.

The Best Financial Plan for You

Your best financial plan is to create the maximum wealth during this aggressive investment period of your life. Build financial security yourself. Don’t rely on others to do it for you. Many people who relied on major banks and insurance companies for financial security ended up short when these institutions failed. The social security system will not do much better.

You should be careful not to over diversify your assets or adopt a “hold-back” attitude. You must concentrate your assets into one or two aggressive investments rather than spreading them out. Diversification often leads to ineffectiveness.

What if you fail during this period? What is your down side? If you consider your ability to bounce back because of your age, the political influence of your generation, taxes, and inflation, the real risk is minimized. Make your aggressive investments now. As you get older, your ability to rebound declines. If you do not try at this stage in your in-vestment time line, you probably will never do it, and more importantly, you will never know whether you could have made it.

Control Risks A Time Line To Create Wealth

Becoming wealthy requires taking “controlled” risks. If anyone tells you that they became wealthy without taking any risks, they inherited wealth or they won the lottery. Years ago, I discovered that real estate was the best investment to control risk and to create wealth. The Real Estate Digest reports that seven out of ten millionaires made their money in real estate, and Forbes Magazine states that there is a three times greater chance of becoming wealthy through real estate than with any other type of investment.

Real estate allows you to control your risk because you can actively participate in the decision-making process. Passive investments such as stocks don’t give you this opportunity. Movements in real estate values are less erratic than in the stock market. Most people don’t understand the economic forces influencing the market. Since real estate is less volatile, it’s easier to control and to understand. Real estate is tangible. You can touch it, you’ve been exposed to it all your life, and you can identify with it. As a result of this familiarity, you are better able to understand it.

Guide to Three Valleys: Our Favorite Ski Resort

Guide to Three Valleys: Our Favorite Ski Resort

Three Valleys is one of the best ski destinations in the world. Properly named, the region includes three valleys on the Tarentaise, which hosts eight individual resorts. With over 200 lifts and about 600km pistes to explore, Three Valleys is popular among visitors from around the world. Whether you are a novice skier or a sensation seeker, this resort has something for you. But with so many amazing resorts to choose from, how do you make a decision about where to spend your winter break?
Méribel

Méribel resort is divided into two parts. The beautiful and traditional village of Méribel is one of the more attractive French resorts, with many self-catering and catered ski huts to choose from. Higher above the valley, Méribel-Mottaret offers more ski-in skiing comforts to its inhabitants, but with aesthetic cost. Wherever you live, however, Méribel really offers something for everyone. The resort has a large selection of green, blue and red lines, with fantastic access to the rest of Three Valleys. Guide to Three Valleys: Our Favorite Ski Resort

La Tania

La Tania has a good reputation as a family resort that offers good value for money. The self-service and catered ski lodge at the base of the slope is perfect for those who do not want to carry heavy exercise equipment. Above the village, the trees provide a wonderful atmosphere for beginners to face easy green runs. Views of après in La Tania are limited, but Pub Le Ski Lodge regularly hosts live bands and offers happy hour daily.

St. Martin de Belleville

This small village exudes a relaxed and pleasant alpine atmosphere. Sitting in the sun loungers down the valley from Les Menuires, St. Martin de Belleville is a traditional mountain resort with bar, restaurant and self-service ski lodge and catered at the bottom of the central runway. Chairlifts provide quick and easy access to Les Menuires and over the ridge to Méribel, so this resort is perfect for middle skiers. If you like partying, you may want to go elsewhere, because après landscape does not exist in this lonely village.

Val Thorens

At 2300m altitude, Val Thorens provides snow-peak conditions throughout the year. Beginners can access free nursery slopes from the village center, with experienced skiers who benefit from a variety of different slopes. The only downside of the resort at this altitude is that there is little shelter in if the weather is badly set. Pistes Val Thorens sits atop a tree line, and a true ski purifier will not fail to appreciate the incredible path it has to offer.

Les Menuires

Unlike the rest of the Three Valleys, visitors to Les Menuires are predominantly French, so staying here will ensure a more authentic French experience. Architecturally it is not the most attractive resort, with concrete apartment blocks dominating the horizon in the village. But the 160 km pistes test will help medium and advanced skiers, who also benefit from easy access to Méribel with the Three Valleys lift lanes. Beginners are not forgotten – there are special nurseries that run to help them hone their skills in peace. Unless the snow is nice, however, they may struggle to find enough blues that are easy to continue.

Wherever You Choose …

Whichever resort you choose in Three Valleys, it is important to choose the type of accommodation that best suits you. Three Valleys has a fantastic selection of self-catering and catered ski lodges, so you can choose the best option to suit your budget and needs. Whatever you choose, a trip to Three Valleys skiing must be a vacation of a lifetime.

Belinda Smythson works for Ski Amis, a specialist ski travel agency and booking service that has helped avid skiers in their perfect winter break for more than a quarter of a century. If you are looking for the best catering accommodation in Three Valleys, Paradiski, Espace Killy or Chamonix Valley, Ski Amis is a go-to company for winter sports enthusiasts looking for a lifelong holiday. Guide to Three Valleys: Our Favorite Ski Resort

Do not overleap electrical inspections energy audits

Do not overleap electrical inspections energy audits

Ignoring your electrical installations may represent your safety hazard as their setbacks are unavoidable from time to time and their impacts may be disastrous. If the electrical or wiring connection in your home is not secured properly, you may experience a short circuit that could damage your equipment or even worse, causing a fire to destroy your property altogether. Usually, situations like this can surprise you because it is caused by unfavorable weather conditions such as rain. Shocks are also a concern and often occur. Of course, everyone can relate to a situation like this: You touch an electronic device and suddenly you feel the impact of an electric current flowing through your body. The resulting sensation can certainly be classified as a surprise. A thorough examination aims to find and avoid the possibility of danger with serious consequences.
You have two main options in terms of electrical inspection: you can take the risk and start a personal examination or you can seek the help of trained and trained specialists. The first scenario can end with a positive note which means that you will have the opportunity to observe certain irregularities and take immediate action. For security precautions, you should not touch the exposed parts of the electrical system and call a professional. It seems that the second option is still fundamental, which is not really a bad thing. Consult someone who has the right knowledge and be able to handle the dangers that may only improve the condition of your home.

Do not overleap electrical inspections energy audits

Energy audits for homes are as important as their goal is to help you save energy and, of course, money. In this case you can apply the same procedure as above. Start carefully checking the various areas and equipment, lighting, ventilation, isolation to find out which ones are causing major energy losses. Record the problems found so that you can tell the experts about the situation and together build the necessary changes. Clearly, the whole process demanded by energy audits is more complicated and requires many procedures that will help you receive answers about energy loss in your home, how to cope with these situations and costs. You should also have an existing energy bill as they represent a clue that will help your auditor find out where to check to find the reason for causing energy loss.

Whether you want to get an assessment of your electrical system and to improve the efficiency of your energy system or you need an energy audit, you should conduct a thorough inspection conducted by a professional inspector authorized by the government. Finding the right energy auditor may require some research on different companies and organizations that provide this type of service, their certification and referrals. Contact various clients and ask their opinion to see if there is a possible complaint. Once you find an experienced energy auditor, you must accompany him throughout the process and communicate all the problems found in your home. His professional equipment will soon detect the source of energy loss. Do not overleap electrical inspections energy audits

Luxury in the middle of chaos

Luxury in the middle of chaos

The DCA Group designed a multi-level, 11,889 square-foot residence away from its chaotic neighborhood on Jalan Pusa, New Delhi …
The vertical bungalow of three floors above the stage determines the volume rather than the vast location above the ground. Projecting balconies, expanding roofs with wooden unders, full-length glass windows and ‘green’ entrances make dynamic landscape compositions.

 

Built for aLuxury in the middle of chaos small family, a contemporary façade compared to a more classic interior. Although his residence is a luxurious residence, yet does not look over-the-top, it exposes the company’s ability to balance flamboyance with humility. For example, the family room is twice as high as juxtaposed with casual furniture; a luxurious dining room with a quiet color palette; intricate patterns on the screen and the fence attached to a simple line on the facade etc.

Furthermore, the use of natural materials and textures such as Brazilian wood and Portuguese limestone for altitude refers to unpretentious style and warmth. Bricks and stone mosaics that are tangled on the boundary wall add character.

What’s interesting about this project is the beautiful grounds and the terrace and balcony and the two-tall family room that utilizes light and ventilation to the house. Free and easy movement along the circulation path and dark Emperador dressed ladder adds a wide and luxurious vibe.

The view of outer space becomes an extension of everyday life and opens large meeting rooms for parties. Open space with a green setting in the middle of a bustling city Luxury in the middle of chaos

Grab the Snow by Storm: Must-Try Winter Sports for Dare Devils

Grab the Snow by Storm: Must-Try Winter Sports for Dare Devils

For true adrenaline addicts, winter and cold weather are not enough to accommodate them. The cool climate offers the perfect canvas to create the finest kind of brave art. All it takes is a sense of adventure and steel nerves to participate in this winter sport; travel insurance will not harm either! I have traveled the world and amassed a collection of the best adrenaline winter experiences. Grab the Snow by Storm: Must-Try Winter Sports for Dare Devils
Above and below

Contrary to popular belief, excitement can be found under cold weather. If you are ready for another truly worldly experience to Tignes in France for ice diving.

Expert divers put aside their thermal and wool jackets leaning on a dive device that lets them sink into the dark and silent frozen lake. And the best part is you can come too! The world beneath a thick layer of solid ice becomes alive because the air bubbles capture the glowing sunlight. If you can keep your screams (which no one will hear), this is said to be a charming and almost subtle experience.

Take it into the air

While it may not belong to the ‘winter sports’ category, travel insurance will still include the adrenaline pumping activity of the zip lining. La Tyrolienne is the latest attraction to reach the top ski resort in Trois Vallees. Skiers, snowboarders and all the common winter fans can finally fly for long periods of time as they actually zip from the ski areas of Orelle and Val Thorens.

Precisely, it will fly across the snow landscape at an altitude of 3230m, reaching speeds of up to 100km per hour. The experience is mentioned almost as closely as you can “imitate the journey of a hawk in flight” – perhaps also complete with screams.

Do not Knock it Until You Look For It

If need is the mother of discovery then boredom is surely her only child. Boredom is definitely to blame for the creation of the genius of Shovel Racing. However, it actually requires steel nerves, some level of unquenchable skill and thirst for adventure, which of course is a true magic combination.

After a long absence due to many unexpected plans and their results, Shovel Racing has returned! Practicing may or may not be necessary for this one, but entrants need only to take their trusty shovels, sit back and prepare to slide down the snow-covered slopes in hopes of achieving glory in the annual Racing Shovel World Championships held in February. Um, good luck? Grab the Snow by Storm: Must-Try Winter Sports for Dare Devils

Cold Will Not Stop Adrenaline Solidification

The adrenaline screams found when complaining against the worst that Mother Nature can pass to you are not at all like the others. The various activities available for the winter brave is proof that busyness is achievable, but may require some creativity and an open mind. Before you set out for the winter adventure, be sure to secure a good winter sports travel insurance so you can really watch out for the cold winds.

Patrick Chong is the Managing Director of InsureMore, an award-winning team of specialists in single travelers travel, annual, family, business and single global winter. In addition to offering attractive offers for travel insurance, Patrick also collects and shares the best free travel competitions to help his clients get the most out of their holiday. Grab the Snow by Storm: Must-Try Winter Sports for Dare Devils

Go with Snow: Plan a Successful Ski School Trip

Go with Snow: Plan a Successful Ski School Trip

A successful school ski trip does not just happen. Every teacher who takes on the task knows that it takes planning and commitment to make sure everyone has a good time with snow! Success lies in the shoulders of those charged with the organization and, in order to make the schedule run smoothly and also offer an interesting prospect, the devil is very clear in the details.
Experts recommend early and systematic approaches to facilitate the logistics of school ski trips, to ensure that the slippery slope of the organization is navigable with ease. Go with Snow: Plan a Successful Ski School Trip

Setting a Budget

Setting a budget is very important to create a travel plan framework, and almost all other aspects depend on it. Working backwards is a very easy way to determine the right budget: how many parents or guardians are in a position to spend time on their child’s journey? This of course will depend on the demographic and water catchment areas of the school, but has a realistic figure to work in the most accurate way of managing costs from the start. Once the budget is set, it’s also a good idea to consult a Senior Leadership Team as they may be able to share valuable past experiences and suggestions. Go with Snow: Plan a Successful Ski School Trip

Get Students Involved

Involving students in the early stages of planning is a sure way to generate enthusiasm, but keeping them in the lead until departure can be a challenge in itself. Keep up-to-date with the conditions and facilities of the resort (both above and beyond the snow), show local videos and pictures, create regular social media posts during countdown (if any school guidelines), or make a PowerPoint presentation to give a detailed description of the resort and activities. And go heavy on the fun aspect!

Keep Everyone in the Circle

As registrations start rolling, it is very important that students, colleagues, parents or guardians are kept informed. Nightlife hosting information is an excellent tactic to ensure the lines of communication are opened, as well as the right moment to show presentations and travel.

Help list

It is undeniable that planning a school ski trip is a time-consuming exercise even for the most organized teacher; Signing up for help from a dedicated tour operator is one way to make life easier. Not only can they ease the pressure by making practical use of travel, transportation and accommodation, they also have the skills and resources to manage budget and administration tasks.

John Gardiner is Managing Director of The School Travel Company, a tour operator specializing in school ski trips and educational tours for school and youth groups to the UK, Europe and beyond. As a father and avid traveler, John is keen to provide students with a valuable and exciting learning experience outside the classroom. By sharing expert advice with teachers, he allows them to inspire their students and continue their studies into life. Go with Snow: Plan a Successful Ski School Trip

Check Your Roof For Damage

Check Your Roof For Damage

The roof plays an integral part in the overall home security. When a storm passes through your area or you experience a very windy season, it can damage your roof. Some of these damages will be easy to recognize but there will be many problem areas that you can not see without a trained eye. Hiring professionals from the best roofing company in Lilburn, GA, can help you get started.
To get the best results out of this, you may want to look around what you are dealing yourself. The experts you hire will find problems, but you may find it necessary to take a walk around your own home to see what you are up against.

Check Your Roof For Damage

Clear

First, you will look for the obvious. If a branch hit your roof during a lightning storm, then you know where the problem area is on your roof. While the obvious signs of damage will not always be as large as the branches that enter your home, most will be an area of ​​concern.

Unclear

The structure that connects to your roof can also be useful to note when trying to find damage to your roof. Professionals from the best roofing company in Lilburn, GA, want to know if there has been damage to a chimney, deck area, or other place that might be harmed because the roof is broken.

Bringing help is a sure way to look at solutions quickly. Damaged roof can cause more complicated problems and can also harm the health and safety of your family members. Stay safe by knowing when you should contact the right help for your needs. The more you can learn, the easier it is to get in touch with the right help when the time comes. Check Your Roof For Damage

Things to Consider When Getting New Bathroom Countertops

Things to Consider When Getting New Bathroom Countertops

Is it the right time for you to remodel the bathroom? You may be interested in changing things around a bit because you are really tired of walking into a room that looks dull and boring. The correct calculator can make a significant difference for you. Professionals who install bathroom countertops in Alpharetta may be able to guide you through the selection process to ensure that you are satisfied with your purchase now and in the future.
Material Type

Things to Consider When Getting New Bathroom Countertops

Countertops can be made from several different types of materials. Some of the most popular materials include marble and granite, both offering a number of convenient advantages. For example, marble has a bright and elegant look that looks attractive in the room. Marble countertops add value to the house because of how it looks. The choice of granite is very popular because it looks elegant, but it is resistant to heat much better. The granite material does not absorb the liquid much the same as some other options, so you do not have to worry about water from the sink which causes a lot of damage to the surface. The type of material used should be one of the first things you consider before letting a professional install bathroom countertops in Alpharetta for you.

Color and Style

The exact pattern of both granite and marble countertops is unique. You may want to look at the different options and beautiful patterns that exist on them. In addition to the overall pattern and style, color is something else to consider. Did you know that you can get granite countertops in different colors, such as gray, white and black? Marble options are available in tons of different colors as well. Actually, you might be able to find countertops that contain a beautiful blend of colors that will look perfect in your bathroom.

If you want to install bathroom countertops in Alpharetta, it makes sense to consider different materials, colors and styles of choice before choosing one specific type of table to install. You may be able to find a strong and durable option that adds charm to the bathroom without costing much. Most importantly, marble and granite countertops can be used to add more charm and value to the home in the bathroom as well as in the kitchen. Once you have selected the materials, colors and style, professionals can start installing everything for you. Things to Consider When Getting New Bathroom Countertops

Eco Eco Hotel for Green Globetrotting

Eco Eco Hotel for Green Globetrotting

One of the worst things on the road is the huge carbon footprint you collect while playing globetrotting. Fortunately, there are some things you can do to help neutralize your environmental impact and improve your feelings. Spread across the world is a resort that has enormous environmental and social impact. They use water wisely and provide educational programs to people in the local community, and you can help them out by staying there.
Most of the wandering souls are a passion for the world we live in, and living in a place that helps keep this world is a great way to help preserve and protect our planet. Not even a super hippy! This eco option is very luxurious and environmentally friendly. Eco Eco Hotel for Green Globetrotting

Hoshinoya Karuizawa, Japan

A small pavilion-style building with large windows lies on a winding river bank, surrounded by ancient eastern trees. Here’s what you’ll find if you choose to live in this eco resort, where stylish and eco-friendly features of real substance coexist harmoniously. The river itself provides most of the power to this resort, and water rejuvenation is also used in the various revitalizing and relaxation treatments offered to guests staying here. Eco Eco Hotel for Green Globetrotting

Finca Rosa Blanca Inn, Costa Rica. Some photos provided by VFM Leonardo

Be aware that this ethical, carbon-neutral and sustainable resort is also involved in educational projects for local communities and employing only local staff. For the first robbery to an eco hotel, you can not do better than this level of authentic responsibility. Costa Rica enjoys very rich local flora and fauna, and you can easily live a little cliche just by leaving footprints, and just taking photos … but with a factor that feels good to be gained from staying here, who cares about the fun of cliches ?

Whitepod, Le Valais, Switzerland

How about trying spot glamping? This smartly designed white pod fruits are specially made to blend in with the surrounding snowy hills in the winter, and in the summer months, glow is dark green forest. This eco-friendly option buys local products, carefully manages their energy and water consumption, and expects its guests to come in responsibly: means on foot. You will find your inn at the end of a beautiful Alpine walk, and this is part of the eco experience.

Before you go

Whether you achieve one or all of these amazing and ethical goals, you need the appropriate travel insurance. Some insurance companies offer annual multi-trip travel insurance that will keep you covered in all your globetrotting green baskets this year. Check that your insurance company has a customizable option so you can make sure you are protected for your travel purpose. You will enjoy peace of mind while traveling knowing that your person is protected from the environment you are visiting.

Ethan Bailey is an experienced adventure traveler and insurance expert with Let’s Go Insure team. Ethan’s spirit is to inspire his clients to go further, deeper and higher on their journey and his expertise in providing ideal insurance allows them to do just that. If you’re looking for the best multi-trip annual travel insurance Let’s Go works with the most experienced underwriters, intermediaries and insurers. Eco Eco Hotel for Green Globetrotting

For the Fearless: Via Ferrata in the Daring Dolomites

For the Fearless: Via Ferrata in the Daring Dolomites

Safety harnesses, a network of steel cables, security ladders and climbing insurance are all necessary for you to be able to reach the summit. Even seasoned mountain climbers find these peaks challenging – and you’re going further yet! You’d better believe the panoramic, jaw-dropping views from the top will be worth all the sweating (from both exertion and adrenaline…).
Trekking through the Dolomites is anything but a walk in the park. Renowned for its towering peaks, north-eastern Italy’s mountain range crests at over 3000m regularly. Easily recognisable thanks to its limestone spires which grace the pages of any adventure mag worth its salt, it doesn’t take an expert eye to realise this mountain range is for serious thrill-seekers.

 

Via Ferrata is The Answer

Via Ferrata offers the chance to access some of the world’s most imposing summits. Austro-Hungarian and Italian armies created these trails during WWI for the purpose of transporting supplies and soldiers through previously inaccessible regions. And now you can mirror their movements!

Nowadays the routes are in peak condition thanks to the efforts of the Club Alpino Italiano (CAI), who maintain and equip the via ferrata paths.

For a mountain climbing experience with the ultimate edge, try one of the following routes.

5 Day Flying Visit

If time isn’t on your side, don’t worry. Make a round-trip from Cortina d’Ampezzo for a 5-day adrenaline-fuelled getaway. You’ll get a flavour of different via ferrata every day, and in the evenings you can sample the flavours of the local Cortinian cuisine. The culture here is great fun too, and you’ll have the added bonus of enjoying the mountain rifugio vibes.

Sella Massif: Hiking and the Via Ferrata

Does the epic metal trail tempt you, but you’re also an avid hiker? Not a problem! The Sella Massif offers the best of both worlds. 5-day excursions from the Alta Badia are organised regularly, combining hiking with via ferrata for the ultimate dare-devil trip to the Dolomites!

Val di Fassa Region

Do you have more time to play with? Then let the Val di Fassa be your playground! An 8-day itinerary will let you really get to grips with this region’s mountains and trails. The greener stages of the route can be traversed on foot while the steep rocks littering the mountain are to be tackled by ladders and iron steps.

At the end of your trek you’ll have some envy-provoking Instagrams, rock-hard calves and a wealth of epic anecdotes to share.

Don’t Forget!

Make sure you have the necessary climbing insurance before you set out on this path. Get a quick quote that covers you for all of your adventures this year with great annual climbing insurance, or opt for a single cover if this foray through the Via Feratta is enough adrenaline-fuelled fun for now!

Author Plate

Ethan Bailey is an experienced adventure traveller and insurance expert with the team at Let’s Go Insure. Ethan’s passion is to inspire his clients to go just that little bit further, deeper and higher on their travels and his expertise in providing the ideal insurance cover allows them to do just that. If you’re looking for the best climbing insurance Let’s Go works with the most experienced underwriters, intermediaries and insurers to offer a range of competitive insurance without compromising on cover.