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

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.

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.

What Makes for the Best Security System

What Makes for the Best Security System

The home is a sanctuary where the family should be able to forget about the cares of the world, sit down, and relax. It should be a place where safety and security are inviolate and out of mind because they are so commonplace. Of course, even the best-protected home is not immune to the influence of the outside world. That doesn’t mean that homeowners shouldn’t do their best to maintain their homes safety by getting one of the best house security systems in Chester, PA.

Discouraging Encroachment

 

The first thing that a good home security system does is to discourage the burglar or home invader from choosing the home as a target for crime. Lawn signs, window stickers, and visible home security cameras are some ways that will make a criminal think twice about his or her proposed actions. A home security system that also turns lights on and off automatically or with the help of an app can also discourage thieves. Most criminals would prefer the easy pickings; they will leave a home that is more protected alone and try to find something that will be an easy score.

Record Keeping

Fake cameras and recording devices don’t do much good. They may scare off an inexperienced thief, but there are many criminals that can tell if the cameras are connected to anything or just there to be scary. Video evidence can help find and catch a burglar who is not careful. It should capture facial features when visible and be detailed enough to be able to see any marks on skin, whether tattoos, moles, or birthmarks. With the best security systems, the cameras will not only record what is happening, but they will be monitored.

Calling for Help

The best house security systems in Chester, PA, will not only notify the homeowner that there is a problem, but they will also call the appropriate emergency services. Home security isn’t always about criminals; it can also be other emergencies like fire or heart attack. However, it takes a specialized service to deal with more than just a break-in. Either way, the ability to contact emergency services is an essential part of every security system. An alarm that makes a lot of noise may scare burglars off, or it may be ignored. Calling the homeowner is nice, but he or she is most likely ill-equipped to deal with criminals. Police officers cannot be ignored and are trained to deal with the situation.

Lily Boutique Have the Best Women Clothes.

Lily Boutique Have the Best Women Clothes.

Lily Boutique provides special clothes online for ladies. If you are interested in beautiful clothes and accessories, then you should try to discover Lily Boutique. Fine and elegant clothes are presented in their collection that are so unique and pretty, especially for young women.
Their website is a user-friendly platform that gives an image of what style the boutique is oriented on. All of the clothes are on the web page. There is a problem with rubric FAQ. Also, Lily Boutique integrated a blog on their website, where they are published the best experiences of their customers and other useful information about their items.

Lily Boutique Have the Best Women Clothes.

Lily Boutique has many advantages on the market. First of all, Lily clothes are special and unique. Seeking for similar or likely clothes, nobody will have success, because each item has a particular distinction, that makes it majestic. Another point to make, they have a huge amount of diverse clothes for different occasions. From Lace Dresses to Party Dresses, all of the Lily Boutique clothes are interesting and worthy to purchase. There will be no more troubles about similar clothes for the group of girls, because Lily Boutique is not like other shops for women. Other thing not to mention, the Lily Boutique shop provides very special cloths, selling not only dresses online, but also caring about their clientele and give them navy dresses. Moreover, you can later get bonuses and special offers from Lily Boutique, from the most devoted customers. Do not lose the chance to upgrade your actual collection with really astonishing and even practical clothes for ladies and women.

About Lily Boutique:
Lily Boutique is an online shop that proposes astonishing dresses, shoes and accessories. If you are really a lover of wonderful things, then you must try a new genial clothes provider Lily Boutique. Do not hesitate to change your life and style with Lily Boutique, which will lady in you and will make you feel confident in your powers and ready to captivate boys. Lily Boutique Have the Best Women Clothes.

No Need to Fuss Now Manage Employees Can Through Applications

No Need to Fuss Now Manage Employees Can Through Applications

1. One

is the latest application to manage all sorts of HR (Human Resource) affairs which was launched since March 2017 yesterday. This application can be used to manage leave, overtime, permits, data collection of old or new employees, multi shift, payroll and attendance.

To convince the public, gives a FREE demo for every company that wants to try (for 10 employees per company). There are dozens of features provided that you can get the explanation directly from the team by inviting their team to your office directly.

This app is directly connected to the web and cloud, so you no longer have to ask permission in writing or formal to your boss and HRD. Simply sit at the table, open the app and fill out the form you want to submit. Superiors and HRD will then get notification via email and can accept or reject the submission and send it back to your application.

2. Boogle Payroll

No Need to Fuss Now Manage Employees Can Through Applications
Payroll Bozz is a software system that connects directly to the web to support the performance management of company employees. With Payroll Bozz brings many features that you can get in the form of monthly packages.

This software allows you and HRD to manage work schedules that in fact often clashed because of the number of employees and meetings conducted every day. Thus, the HRD team can shorten the time to organize all required schedules.

Other features that can be used include permission application, leave, overtime, , employee data management and company announcement.

 

is a human resource management and payroll application for developing companies. With , the company owner or HRD team does not need to take much time and effort to manage various issues such as, payroll, tax calculation, and absenteeism.

This application is web-based so it can be easily used anywhere and anytime. This means you can directly apply for permission (for example) to your boss and HR whenever you want without having to meet directly and fill out a paper form.

No Need to Fuss Now Manage Employees Can Through Applications

4. Weefer

By using Weefer, you and your boss and HRD can directly take care of various administration directly from the front of the computer or gadget. Weefer allows the HRD team to take care of various things including leave management, promotion of rank, employment contract, attendance, shift and so forth.

There are several modules that you can choose according to the needs of each company.

5. KinHR

In addition to managing employee data and administration such as absenteeism, permission, leave and overtime, KinHR allows HR teams and superiors to assess each employee and monitor their performance. The data will then be collected in the system and used as promotional promotions.

Devin Patrick Kelley: What we know about the Texas church shooting suspect

Devin Patrick Kelley: What we know about the Texas church shooting suspect
The suspect who opened fire inside a South Texas church has been identified as 26-year-old Devin Patrick Kelley, law enforcement sources tell CBS News. He has a residence in New Braunfels, Texas, which is about a 35 mile drive from where the attack took place in Sutherland Springs.

The shooting left at least 26 people dead and 20 others injured in what Texas Gov. Greg Abbott described as the worst mass shooting in his state’s history.

On Sunday night, authorities only identified the suspect as a young white male. They said he was dressed in all black and tactical gear when he opened fire at the First Baptist Church in Sutherland Springs.

After a car chase with police, the suspect was shot and declared dead. It’s unclear if the suspect shot himself or if he was killed by police.

Kelley is a former U.S. Air Force member who served from 2010 to 2014. He was dishonorably discharged and court martialed in May 2014, CBS News has learned.

Air Force spokesperson Ann Stefanek told The Associated Press that records show Kelley served in Logistics Readiness at Holloman Air Force Base in New Mexico from 2010 until his discharge. The circumstances under which he left the service were not immediately available.

The Pentagon told the AP that Kelley was an airman “at one point,” but did not provide additional details.

Devin Patrick Kelley
Officials say the suspect lived in a San Antonio suburb and doesn’t appear to be linked to any organized terrorist groups. CBS News has learned Kelley has a wife named Danielle Lee Shields.

Investigators will look at his social media posts made in the days prior to Sunday’s attack — including one that appeared to display an AR-15 semiautomatic weapon. Kelley’s date of birth is listed as Feb. 21, 1991.

No motive has been declared as the investigation continues.

Go to matching carnival costumes for the whole family

Go to matching carnival costumes for the whole family

 

Everyone agrees that the carnival represents the perfect opportunity to stand out from the crowd, go wild, lose yourself now and captivate everyone with your lavish and original costume. Creating a realistic look is certainly a challenge that requires ingenuity and creativity. In addition to bringing together strange clothes, you also have to make sure it really reflects your personality and you feel comfortable enough to enjoy the atmosphere. If this time, the whole family wants to participate and share the joy and excitement, then wearing a matching adultumi carnevale will really put you on the front line as a group. Bring the kids and let them experience their first carnival, it will be their fond memories. However, the question remains: what kind of costumes should you wear, Romans, Vikings, Sailors, Clowns? How to fight evil characters like Superheroes, remember the old days and create the look of the 1970s or, why not, looking for an eternal option, that is hunting treasure in the carnival as Pirates?
Dressing like a pirate remains a classic choice just because you’ll never go wrong with this look. Some people may get the impression that over time, this character has lost its charm but the fact is you can always embellish everything and add something new to create a more realistic and original outfit. Collect the whole family and watch Pirates of the Caribbean for inspiration. Start with the basics, ie pieces of clothing and boots and collect the necessary accessories and share them among each member so that everyone can wear something representative. For example, you can take a bandana and a sword and dad will look perfect with a hat, dreads and scary hooks. As for the children, one eye patch, a black flag and a harmless props like a parrot will definitely give authenticity to the clothes.

Go to matching carnival costumes for the whole family

Blockbuster movies such as Justice League, Wonder Woman, Spiderman and Captain America include superheroes as main characters, special actions and effects. Perhaps for this reason, both children and adults are fascinated by them. Bringing characters from various movies to life and especially together is a great idea for carnival. Navigate to various online stores and select the costino carnevale bambino section, then give your child the freedom to choose his favorite outfit first. Dad will look great dressed up like Batman, Aquaman or Cyborg. Wonder Woman or Catwoman is probably the most obvious choice for the mother.

How to restore time? The 1970s practically screamed disco and clothing. Mod dresses, big collars and bell pants are the main elements that make up the realistic costumes of the 1970s. Of course, we can not forget the go-go shoes. The mother can play a disco or a boogie diva while Dad blinds everyone with her shiny gold shirt and purple pants. Black hat will complement the overall look. As for children, turn them into sweet Elvis. You can not go wrong with a very popular pompadour hairstyle, sunglasses and a shining microphone. Nobody could be indifferent when Elvis came into the room. Go to matching carnival costumes for the whole family

INFORMATION SECURITY MANAGEMENT SYSTEM

INFORMATION SECURITY MANAGEMENT SYSTEM
Information is one of the most important asset for the survival of an organization or business, defense of security and the integrity of the state, public or consumer trust,
so it must be maintained the availability, accuracy and integrity of the information. Information can be presented in various formats such as: text, images, audio, or video. Stored in a computer or other external storage media (such as: hard drive, flash, CD, DVD, etc.), printed / written in paper or other media. Information management management becomes important when it comes to credibility and people’s survival. Information technology (IT) service providers, news media, transportation, banking to other industries are very little in touch with information technology, such as: food providers, lodging, agriculture, animal husbandry and others. When companies place information as
critical infrastructure (important), then the management of information security owned a top priority for the sake of survival and development of the company.
Keywords: Information Security, ISMS, ISO INFORMATION SECURITY MANAGEMENT SYSTEM
Data security can indirectly ensure business continuity, reduce risk, optimize return on investment and seek business opportunities. The more corporate information that is stored, managed and shared, the greater the risk of damage, loss or exposure of data to unwanted external parties.
Being “over protective” of information owned, maybe
can make us tired by constantly watching him,
feel anxious if just for a moment leave it. The employees,
business partners are also customers, become uncomfortable as they feel
not trusted. Broadly open access to information
important and secret, maybe not a wise thing. Factors
it can make the information owner confused to behave
How.
The information security management system in this case, becomes
important to be understood, attempted or tried for
implemented so that information can be managed properly,
so that companies or agencies can focus more on achieving the vision
which has been established, or do other things for
business development, or more focus on providing services
best for the customer (community).
Technology is not the only aspect we should look at
when considering and thinking about how that is
it’s best to ensure that the company’s data and information
not accessed by unauthorized parties. Process and
human beings are two aspects that are not less important.

INFORMATION SECURITY MANAGEMENT SYSTEM

5 Most Expensive BMW Cars of All Time

There may be no three letters that are strongly associated with luxury and class like BMW.

The automotive company has traveled a long way since its first car, the 1927 Dixi 3/15 PS DA-1, which reached a maximum speed of 75 miles per hour.

Now, BMW is lightning fast and very slim. However, to have some top models will cost you a dime.

Today, we break up the five most expensive BMW cars of all time.

Got a few million dollars around you already itching to spin? Let’s see what your money can get you:

1. BMW Most Expensive: 1991 Nazca M12: $ 3 Million
Yes, you read it correctly.

The idea for this concept car was originally conceived by Giorgetto Giugiaro’s car designer, who came up with a model for the Italdesign engineering company.

Although it was never production, there were three factories of Nazca M12. In 2011, an auction rose for $ 1.1 million.

With a carbon fiber body and a BMW star V12 engine (similar in 750i and 850i), experts estimate its value has more than doubled now.

2. BMW M8: At Least $ 590,000
Folded in approximately 15 years, the BMW M8 became a kind of fable in the automotive industry.

The prototype, made in the early 1990s, is a red fire engine that boasted 500+ horsepower and six rear-wheel drive speeds. At that time, BMW’s most sophisticated car was ever designed.

However, a fluctuating market and less important demand means destined to continue to be bent, where it lasts until 2010 when it is on display in Munich.

Though valued under $ 600,000, the mystery swirling around the model is suitable for higher estimates.

3. BMW X5 Le Mans Concept: $ 590,000
The world’s oldest active sports car race, Le Mans is the benchmark against which car manufacturers judge the speed, quality, and expertise of their products.

In 1999, BMW won Le Mans with a high-powered V12 engine.

The manufacturer then took the machine and ran with it: it put it in its X5 series, an unlikely match considering the X5 is a luxurious mid-sized SUV that is more suited to the family than the racetrack.

BMW-generated vehicles are fast uber-strong and crazy that can go from 0 to 60 miles per hour in less than five seconds.

Try to take it through the carpool or BMW service center without turning your head!

4. BMW M5 G-Power Hurricane RRs: $ 470,000
Looking for a sedan powered by a V10 engine with a capacity of 830 horsepower that can reach speeds of up to 231 miles per hour? M5 G-Power Hurricane RRs deliver.

One of the fastest and most expensive BMW sedans ever created, created in partnership with G-Power, a Bavarian tuning equipment manufacturer based behind some of the company’s high-powered luxury vehicles.

5. BMW M5 G-Power Hurricane CS: Mid $ 400,000s
With slightly lower output (and lower price tags to match) the CS model offers many of the same features as RRs.

The V10 engine on this model is 750 horsepower. It also features an adjustable nine-way suspension, as well as a carbon fiber seat, which gives you all the power and agility you expect from one of BMW’s most expensive models.

There’s Safety in a Sharps Container

Most of us do not spend much time thinking about where our waste goes.

But if you use biomedical equipment, it’s on you to responsibly dispose of waste that could pose a risk to others.

Many people use sharps to manage health conditions. If you do, you should have access to a sharps container.

Below, we’ll go more in-depth about what sharps are and how to dispose of them safely.

What Are Sharps?
Sharps are any biomedical device used to puncture the skin. Sharps include:

Needles
Syringes
Autoinjectors such as insulin pens
Scalpels
Lancets (blood-prick devices used for diabetes, home HIV tests etc.)
Infusion devices
Even if you use sharps at home, such as for diabetes or a pet’s medical condition, you should still consider them medical waste. This means they require special treatment for safe disposal.

What’s a Sharps Container?
You should not dispose of sharps like regular garbage.

For secure and safe disposal, sharps should be discarded in FDA-cleared medical sharps containers.

Containers are available through companies selling medical supplies and through pharmacies. Anyar sharps (needles, syringes, etc.) should own a sharps container.

Sharps containers are made of solid plastic and marked with a fill line. Other than that, they take a variety of forms, including travel versions.

The signage on a container denotes the contents. It carries warnings for safety and potential biohazardous material.

You’ll see these containers in hospitals, pharmacies, and in some public toilets.

Once a sharps container is full, you’ll need to responsibly dispose of it. They can often be disposed at supervised sites like a police station, hospital, or doctor’s office. If you have a local waste collection site, it may offer a hazardous waste collection.

Some FDA-approved sharps containers work on a mail-back program. For a fee, you can send the container off to be safely disposed of.

Why Is a Sharps Container Important?
Used sharps are incredibly dangerous without proper storage. They present a risk to adults, children, and pets, especially when disposed of in public areas.

That’s why you should place sharps in the correct container immediately after use.

Sharps represent an obvious risk of cutting and puncture wounds, which could lead to secondary infection. But the real risk is in what they may be carrying.

Used sharps can hold blood-borne diseases that can pass on to others. Life-altering diseases such as HIV, Hep-B, and Hep-C can be carried by sharps. A single injury from a used sharp could change a victim’s life forever.

For this reason, sharps should never be placed in standard waste disposal, whether in household waste, public refuse, or flushed down the toilet.

Especially in built-up areas, discarded sharps present huge problems. When not disposed of correctly, sharps can find their way into parks, school playgrounds, public toilets, and children’s sandpits.

Municipal authorities now spend thousands in clean-up activities targeted toward biomedical waste.

Take Responsibility
Above all else, it’s important that you take responsibility for any sharps you use. Please keep the above in mind when using sharps to do your bit for your local community.

3 Trends Wedding Dress Ideas for Copy Now

3 Trends Wedding Dress Ideas for Copy Now

Do you aspire to be the most amazing bride, who will make the hearts of the bridegroom beating fast and turn every guest staring at you? Then, you have to look for amazing wedding clothes, which should look like made for you.

 

So, finish the old design of the traditional wedding dress and feel some trend ideas. Incorporate chic new elements in your wedding dress and be a conversation in the city even a few moments after your wedding. If you need inspiration, here, we collect some trend ideas for wedding dresses that you should imitate now. Take a look.

3 Trends Wedding Dress Ideas for Copy Now

Organza

Do you want to add a little drama to your wedding dress? Then, try Organza style, easily available in many stores that offer bridesmaid dresses and stunning wedding dresses. Lightweight, comfortable, and easy to use, the beautiful texture of this kind of fabric has a beautiful corset, with a split front stretch and an asymmetrical skirt that can decorate you in an amazing style. This Organza dress beam style can also be combined with Tulle, Satin, or Lace, and even accented with shiny beads. You can also play along with the neckline, starting with scoop neck, neck boat, sweetheart, V-neck plunge, and off-shoulder to ensure that the dress blows your body type from all angles. This can be a perfect choice, both for vintage and contemporary marriages, a polite kind of marriage.

 

Illusory coil

From fine detail to glamorous styles, sleeves can add a touch of firmness and elegance to your wedding outfit. Starting with a vintage-sleeved vintage cap with off-shoulder silhouettes in style, there are several ways that sleeves can give an unforgettable bridal look. So, this time, you can give the arms a mere illusion or lace. Designed with plenty of panache and elegance, this arm style attracts attention to the beautiful and widespread necklines throughout the corset, perfect for life, your exotic romantic wedding, either at a banquet or in an exotic dream venue.

Low Back or Backless

The unrelenting wedding gown greatly emphasizes style and sensuality. It can easily match any personality, be it a nice Plain Janes and fashionista fashion bridal fashionista. The backless outfit also has phenomenal variations right now, right from elaborate lace, beautiful buttons, beautiful beads or translucent backs. Whether you want to try this style with a trumpet-hug or romantic trumpet gown, a conventional A-line, low back and backless bridal gowns will never go wrong. Suitable for sophisticated wedding gala and exotic beach weddings, this dress grabs the eyeballs behind your sunshine and lets you perform the perfect stop style of show you’ve dreamed of for months. So, the bride is looking for this wedding season’s turning style, the backless wedding dress can add a sleek and sexy touch, and make a miracle for you in your big day.

So, these are three types of elements that can definitely make you shine as a beautiful bride. You can easily find innovative designs and trends like that in an amazing yet cheap wedding dress, if you choose the right store. 3 Trends Wedding Dress Ideas for Copy Now