Friday, March 15, 2019

13 Amazing Facts About Cristiano Ronaldo You Don't Know


1. When Ronaldo was 12, his entire family moved 600 miles away Lisbon, the capital of Portugal. They wanted him to play for some of the national junior teams, which were located there. While they were Portuguese, their home of Madeira is actually is closer to Africa than the mainland of their own country, so they had their own unique accents and customs, making the move quite the culture shock.

2. First Paid Gig

When he was just 13 years old, Ronaldo was paid 1,500 Euros to join Sporting CP, a boy’s team based in Lisbon. When I was thirteen, I think I once got five dollars for mowing my parents’ lawn.

3. Bleeding HeartRonaldo personally flew to Indonesia to help the victims of the devastating 2004 tsunami after a photo circulated of a young Indonesian survivor wearing his jersey. He auctioned off much of his own sporting equipment to raise one billion rupiah for the victims, or a little over $75,000 USD. When interviewed about his involvement in so many charities, he replied, “I’m not going to change the world. You’re not going to change the world. But we can help—we can all help.”


4. Amateur ChefOne of his favorite hobbies is cooking. Though so much of his life is spent traveling, one of the first things he does when he finally gets a moment of rest at his house is make a home cooked meal.


5. DaddyRonaldo has been quoted multiple times saying that he thinks that having kids is one of the most rewarding things anyone can ever do. His first son is named Ronaldo Jr., though the boy’s birth mother is a total mystery. Some people say that she was a waitress he briefly dated, but many different theories exists. Allegedly, Ronaldo paid the birth mother ten million Euros to ensure that he was granted full custody of the boy, who is being raised by Ronaldo’s mother, Dolores, in Madrid. He refuses to tell the press the true story, and wants to wait until his son is old enough to consent to the public knowing what happened.


6. TragedyRonaldo’s father died when at age 52 due to health complications related to his alcoholism. While Ronaldo tried to pay for his dad to go into rehab multiple times, his pleas fell on deaf ears. As a result, Ronaldo refuses to drink at all, since he’s afraid the condition is hereditary and he doesn’t want to follow in his father’s sad footsteps.


7. All NaturalRonaldo refuses to get any tattoos because he donates blood on a regular basis. Having heart surgery at a young age helped him to realize how important it is for hospitals to receive these donations, and he encourages others to do the same.


8. Too Cool for SchoolWhen Ronaldo was 14 years old, a teacher at his new school made fun of his accent. It made him so angry, he threw a chair at the man, and it got him expelled from school. Instead of punishing him, Ronaldo’s mother told him that his real talent was in soccer, and that it was fine to not worry so much about school. From that point on, becoming a professional was Ronaldo’s only focus. Boy, sure is a good thing the soccer thing worked out.


9. A friend in needThis one is not really about Ronaldo -at least not directly, but without this fact, you might never have heard about him.
Ronaldo has accredited his success to Albert Fantrau. In his younger years, Albert was admitted to a football academy, however, he turned it down and Ronaldo was taken into the academy. When Ronaldo was asked Alfred why he refused the intake position, he simply responded, "You're better than me." The rest, as they say, is history.


10. Studied in the UniversityAcquiring university education is the epitome for most people. However, Ronaldo has surpassed that and is now being studied at a university in Canada.
Fourth-year sociology students at the University of British Columbia Okanagan study the life and career of Cristiano Ronaldo.


11. CR7 MuseumTurns out, having a course about you at a university isn't quite enough. Ronaldo has a museum in Funchal that is dedicated to his life, career, rare photos, trophies, and awards that he has won over the years. What a great way to be reminded you're the best than by a museum showcasing all your accomplishments.


12. Racing HeartWhen Cristiano Ronaldo was a teenager at just 15 years, he was diagnosed with a racing heart. The condition could have potentially led him to hang his boots for good. Luckily for him, the condition was repaired through laser surgery. Life must have dealt him a good hand as the surgery was successful, and in a few days, he had recovered and was fit to go back to the pitch for practice.


13. Jumping PowerTo be a great football player, there are certain things that you need to take into account. Aspects such as speed, flexibility, and jumping power. Cristiano Ronaldo jumps at 5G -for contextual purposes, G-force is the power it takes to jump, and Ronaldo shares his record with a cheetah. Yes, cheetah's too, jump at 5G. Hows that for impressive!


Thursday, March 14, 2019

Ways To Combine Charitable Giving And Life Insurance


Financial planning is an ongoing process that examines your goals, situation and finances in order to determine if and how these goals can be met. It’s not a product-centric process, but often we use financial products like mutual funds, annuities and/or life insurance to achieve goals in the most efficient manner.
But not every product needs to be a permanent fixture in your portfolio. As life changes, your goals evolve with it, and your ongoing need for certain products or strategies could change too.
One of the core products for protecting wealth in a household is life insurance. As you age, your need for life insurance could decrease or sometimes increase. If you have a life insurance policy you no longer need, one option might be to gift the policy to a charity if you feel charitably inclined.
Life insurance policies can be gifted or used for charitable purposes in several ways.
1. Give Away Your Existing Policy

The first is to simply give away an existing policy, a strategy that is open to you if your policy has outlived its primary purpose. Perhaps you no longer need the policy for estate liquidity or estate taxes. You could gift the policy outright to your favorite charity or even use a Donor Advised Fund (DAF).
If you give the policy to a charity outright, you can change ownership of the policy and essentially be done with it. You could potentially take a charitable income tax deduction for the value of the policy at the time of the gift – as measured by the sum of the interpolated terminal reserve plus unearned premiums (not the death benefit amount).
If the policy requires ongoing premiums, those would be the responsibility of the charity, but there are three ways you can help them out:
  1. Continue making the policy premium payments on behalf of the charity by directly paying the insurance company if the policy is not yet paid up.
  2. The better practice would be to pay the value of the premiums to the charity who can then pay the insurance company. These premiums would then be income-tax deductible now that the charity owns the policy.
  3. During a recent conversation, Dana Holt, JD, AEP®, CEO of HOLT Consulting, also suggests another strategy that could simplify the donor’s life, where “you could convert the policy to a reduced and paid-up policy and donate it with no ongoing premiums needed.” This could be a simpler strategy because you do not need to create an additional outflow of cash after the gift is made to keep the policy in effect for the charity. Instead, you can just transfer the policy value today without ongoing obligations.
“Charities prefer gifts of policies with no ongoing premiums,” Holt also noted. “It eliminates the administrative burden of sending the donor a gift receipt every time a premium payment is made. It also eliminates the question of whether the donor or the charity is to pay future premiums.”
When gifting a policy that is worth more than $5,000 at the time of the gift, the donor will need a Qualified Appraisal of the gift. The appraisal must come from a qualified, disinterested third party. Holt noted there are companies out there like Charitable Solutions that will value a policy for you for a fee
2. Give a New Life Insurance Policy
Another option is to give a new life insurance policy. This can get tricky because if the charity is going to be the owner, they need to have an insurable interest in the donor. However, if you have a strong ongoing relationship with the charity, this requirement can be met. You can then either pay up the policy completely at the start or make ongoing premium payments over time.
If you want to keep more control over the policy or have issues with the insurable interest requirement, another option is to name the charity as a beneficiary of the policy. This can be done in a couple ways:
  1. You could name a charity as full-benefit or partial beneficiary. For instance, you could leave half of the policy’s death benefit to your spouse or children, and then leave the rest to charity. A charity can be listed as a beneficiary on an existing policy or set up as a beneficiary on a new life insurance policy.
  2. You could also use a life insurance trust to hold the policy and list the charity as a beneficiary of the trust. This can help in situations when you are splitting death benefits between multiple parties.
Before making any changes to your life insurance policy, it is always important to review your financial plan and see if you still need the policy. In many cases the best thing to do is to keep your current policy intact.
In some situations, surrendering the policy or looking at the secondary market would be best.
Chris Woehrle, adjunct professor of taxation at the Widger School of Law at Villanova University summarizes it well: “You must be sure you have a frank and open conversation with the charity about your policy before you make changes. Some charities are hesitant to accept life insurance policies while others, especially the well-endowed universities, may welcome it under their gift acceptance policies.”
In the end, do the planning up front to make sure your assets fit your goals and needs. That way you won’t end up with a life insurance policy you don’t need, and you can avoid giving one up that you did need.

1. She went to an all-girls Catholic school.
Markle grew up attending an all-girls school with a Catholic affiliation. “I went to an all-girls Catholic school for like six years during the time when kids actually had handwriting class,” Markle explained, alluding to her early love of cursive.
The charmingly self-deprecating actress also revealed that her Catholic school days were not at all glamorous. “Just picture me with my curly hair and a gap in my teeth and my little school uniform with Keds on,” the royal-to-be recalled.



2. Her first name is actually Rachel.
It's now a pretty well-known fact that Markle's real first name isn't Meghan. Harry's wife was actually born Rachel Meghan Markle. But you have to admit, 'Meghan Markle' has a great ring to it.


3. She spoke out against sexism at 11 years old.
Markle was an early advocate for women's rights. At the tender age of 11, Markle was outraged by a commercial that outwardly suggested only women do dishes, so the budding feminist wrote a letter to Procter and Gamble asking them to amend the advertising language.

4. She was a double major at Northwestern University.
A self-proclaimed "theater nerd," Markle told Marie Claire that she was always interested in both performance and politics, and was compelled to double-major in college. "I knew I wanted to do acting, but I hated the idea of being this cliché—a girl from L.A. who decides to be an actress," she explained. "I wanted more than that, and I had always loved politics, so I ended up changing my major completely and double-majoring in theater and international relations.”

5. Markle was the most-Googled actress in 2016.
This one most people know, but it's pretty iconic: Meghan Markle was reportedly the most-Googled actress of 2016. It'll be interesting to see where her search stats land in the year she actually becomes a royal.


6. Markle was shown the entertainment world at an early age; her dad, Thomas W. Markle, was an Emmy Award-winning lighting director for Married…With Children, and he would often take her to set.
7. Markle is the first American to marry into the British Royal family since 1937. The Duke of Windsor, the former King Edward VIII, married American socialite Wallis Simpson. He would abdicate the throne when a decree said he could not marry Simpson (also a divorcee) while being King. Luckily for Markle, the Royals aren’t quite as staunch anymore (and Harry isn’t the heir to the throne).








Saturday, March 9, 2019

The Two Biggest Mistakes In Retirement Planning


Throughout the years, there are two mix-ups I've discovered that individuals reliably make while planning for retirement. Committing one or the two errors can abandon you in an "imagine a scenario where" retirement, hesitant to spend your reserve funds as you ask yourself.

Imagine a scenario in which one of us has an all-inclusive constant human services need.

Imagine a scenario where our retirement funds endure misfortunes and we can't destroy sufficiently out pay to proceed with our way of life.

Imagine a scenario where we outlast our cash totally.

The principal botch is neglecting to get ready for a long haul interminable condition. An individual could profit by long haul care (LTC) on the off chance that they need help with no less than two out of six day by day living exercises (washing, dressing, and so forth.) and additionally on the off chance that they can't remain alone due to an extreme subjective impairment.1 My exemplary response to somebody who discloses to me the person in question doesn't envision requiring LTC is: "It happened to Superman and the President of the United States. For what reason are you extraordinary?" If devastatingly attractive Christopher Reeve (those blue eyes– don't kick me off) can turn into a quadriplegic at 44, and a fine brains like Ronald Reagan can create Alzheimer's, it can happen to any of us.

Numerous individuals never require living in a nursing home, however the requirement for consideration at home or in a helped living office is expanding quickly, alongside the expense. In 2018, families paid a normal of $2,517 every month for in-home consideration. Some LTC laborers charge a month to month rate of up to $3,968.91.2

The "grouping of profits" can wreck the best-laid plans. Somebody with a million dollars, who is relying on withdrawals from resources, can come up short on cash with a couple of terrible years toward the begin, even without a requirement for long haul care.

Try not to give anybody a chance to let you know there aren't any great choices left to guarantee long haul care. Customary LTC protection items have turned out to be progressively settled by giving estimating to the present economy. Life coverage and annuities with LTC riders offer an ensured premium and could pay an expansion in the demise advantage if care isn't required.

The second misstep individuals make in retirement arranging is neglecting to get ready for an ensured lifetime pay. At the point when individuals resign, it's typical to miss companions, mental incitement, or adding to a reason. In any case, the most widely recognized thing they miss is a check.

A century ago, individuals frequently got a gold watch when they resigned following quite a while of devoted business. The watch was decent, however far superior was the business financed benefits that gave them ensured pay to whatever remains of their life. Among annuities and Social Security, the concentration for a fruitful retirement was on ensured lifetime salary. As the economy compounded, numerous organizations solidified or killed their benefits plans.3

Today, bosses set up retirement accounts, as 401(k)s or 403(b)s, that workers use to support retirement with pre-charge dollars consequently deducted from their check, numerous with a business coordinate. A great deal of monetary organizers encourage sufficiently contributing to the record to get the business' full match, so as not to discard free cash. The independently employed can subsidize retirement with a performance 401(k), SEP, Keogh, SIMPLE IRA, or a customary IRA.4 Those who need charge conceded circulations have alternatives including a file all inclusive life coverage strategy or a Roth IRA. At the end of the day, retirement arranging has changed its concentration from ensured pay to rate of profitability.

Retirement depends on resources, not salary, and there is a ton of discussion about a "sheltered withdrawal rate" to abstain from spending your retirement funds excessively quick. What hasn't changed is the essential worry of the saver, which is whether they will have enough salary in retirement to live serenely. No one needs to outlast their life investment funds!

Some conventional roads are never again practical. Robert Merton calls attention to that the U.S. Treasury bill is about as unpredictable as the securities exchange as far as changing over to a salary stream.5 Bonds are likewise delivering yields close memorable lows, and the possibility of capital misfortunes, as the Federal Reserve crawls up premium rates.6 Roger Ibbotson, of Ibbotson-Morningstar, discharged a report in 2018 uncovering that uncapped FIAs have outflanked securities on an annualized reason for nearly the previous 90 years. In view of his examination, which backtested to 1927, he further expressed that uncapped FIAs are a reasonable alternative in collection portfolios paving the way to retirement, just as in retirement. The best assignment for the present economy, he finished up, is 60% stock, 40% FIA and no bonds.7

What is a fixed record annuity (FIA)?

A FIA is an agreement between the policyholder and insurance agency to advance the development of the policyholder's cash while staying away from a great part of the drawback of the market. It improves. There's no charge if the record is for gathering as it were. Insurance agencies commonly include a yearly charge of about 1% to give ensured lifetime salary. The cash isn't in the market. Rather, the insurance agency tracks no less than one stock record and credits intrigue dependent on the execution of that list. My most loved FIA is one that is uncapped so there is more upside potential. Toward the finish of the surrender time frame, you have the alternative to move the cash in the event that you locate a superior arrangement somewhere else. The policyholder for the most part approaches 7-10% every year punishment free, aside from withdrawals by a policyholder who is under 59½ years old. These policyholders are commonly subject to a 10% punishment when pre-charge dollars subsidize the annuity.

Here's a model: One of my customers, how about we call her Mary, is a 60-year-old single female in Minnesota. She is wanting to work until 70, at which time her Social Security will be $2,700 every month. She likewise has a benefits of $500 every month which starts in four years. She exchanged occupations two or three years prior is as yet putting something aside for retirement. Mary has an eight-month backup stash and consistently adds to a store she calls "occasional costs." She knows she needs LTC protection, however optional pay is low. In any case, she has a 403(b) from her old occupation with $230K, which she can fold into a FIA. She will enable that intend to pay the LTC premium of about $4,800 yearly, until her $500 month to month benefits kicks in. At age 70, Mary can turn on the lifetime salary of around $2,500 per month, giving her an all out month to month pay of $5,700. She should pay the LTC premium without additional salary the main year, however she can oversee by utilizing a portion of her different reserve funds. Mary can have included genuine feelings of serenity knowing:

She has the decision to ensure her old 401(k) cash from market downturns. A long haul care occasion never again compromises her life investment funds.

She can never outlast her month to month pay from the FIA with the additional salary rider.

Ask your money related proficient to what extent term care protection and fixed record annuities can help keep you from committing these two major errors.

Last-Minute Tax Tips & Tactics


Ok, it's March once more, and the assessment frenzy gathers once again. For the individuals who long to document by April 17, the weight starts to assemble. Before the distraught dash takes off decisively in only a couple of brief weeks, you might need to review the enormous disturbances to the expense code created by a year ago's "duty change."

You'll be managing the absolute greatest changes in an age, so be cautioned. Other than crucial rebuilding like the disposal of exceptions, there are a greater number of changes this year than have been seen in a long while. All the new standards will add forcefully to the disarray, so best get a hop on it on the off chance that you've not as of now started. More awful, numerous old and valued expense strategies have passed by the wayside, and in case you're not watchful the new duty "cuts" may end up gnawing your riches as opposed to lessening your charges. Assessment procedure, constantly critical to riches maximizers, ought to be particularly examined for this present year.

Before bouncing in, it is helpful to recall that US charge strategy and law is in consistent transition, a fuming, changing thing driven by the unpredictable and whimsical political breeze. The combat zone is consistently moving, and perusers are encouraged to keep a sharp and incessant post to graph the most secure way through the flame and bloodletting. Like such a large number of changes before it, the new expense change is fleeting, with numerous arrangements "sunsetting" – terminating – after 2025, on the off chance that they keep going that long. The future Congresses and President may expand them, or drop them. Charges may go up or down or remain the equivalent. Assessment arrangement breeds numerous unintended outcomes, and change makes new victors and failures.

Until further notice, we will generally address pay charges since the criticalness of these is most likely why you are perusing this article, yet please make a special effort to be mindful to our forthcoming considerations on the significantly more deceptive home duty, which will be shrouded in another piece.

Here are a few features of the huge changes: 

1. Home Tax. The home assessment exception has been multiplied to $11,180,000 per individual - nearly $22.4M per wedded couple - which should make for far less assessable domains. Simply recollect this may change at the impulse of the following government, and that in any occasion the exceptions return to the old dimension in 2026.

2. Representative Business Expenses and Other Miscellaneous Deductions: W2 workers – instead of self employed entities or entrepreneurs – have dependably had the short end of the stick with regards to business benefits, where the little scope of permissible derivations got trimmed down to nothing by the math on the Schedule A. All things considered, the short stick's currently been trimmed down to nothing, and workers never again have any discount openings. Same for moving costs, financier, IRA and speculation warning expenses, new divorce settlement, and most loss misfortunes. On the off chance that these things apply to you, you could see noteworthy assessment increments. Where conceivable, utilizing or setting up a claimed business to cost relevant things could offer significant help.

3. Exclusions and Itemized Deductions: The standard conclusion has been adequately multiplied, changing the math of whether to order things like altruistic commitments, home intrigue, etc. Confusing the math: there are not any more close to home exclusions. This is an ocean change! Exclusions were fundamentally a "reward" reasoning dependent on the span of the citizen's qualified family, and accessible paying little mind to whether you separated different conclusions or just took the standard finding. Contingent upon your circumstance, this can significantly dull the estimation of the extended standard conclusion. The cutoff points for altruistic conclusions are somewhat extended. The alleged SALT for State and Local Taxes conclusion is shortened, with the entirety of salary, land, and deals charges topped at $10,000. Entrepreneurs can keep on deducting these things in the event that they qualify as business use. At long last, the awful stealth charge on conclusions – where a number juggling shell round of "now you see them, presently you don't" disposed of findings or trimmed them route down for higher-salary people, adequately boosting their assessment rate – is gone under the new duty

Capital Gains Tax Rates remain the equivalent at 0%, 15%, and 20%, in addition to (not to pick any NIITs), if relevant, the 3.8% Obama-time Net Investment Income Tax kicker. Keep in mind that Capital Gains rates are controlled by conventional pay rates – at the end of the day, having adequate business, intrigue, work, or other "customary" salary will drive the compelling capital additions rate higher. As per money related reporter Michael Kitces, "in light of the fact that capital additions salary stacks over common pay, even simply expanding standard pay can successfully swarm out space for particular long haul capital increases rates. Indeed, the interrelationship between common pay and long haul capital increases makes a type of "capital additions knock zone" – where the minor expense rate on normal salary can finish out being generously higher than the family unit's assessment section alone, on the grounds that extra pay is both subject to conventional duty sections and drives up the tax assessment of long haul capital gains (or qualified profits) all the while."

How To Really Save Money On Car Insurance


Keep in mind the unimaginable story of Nicole Scheufler, who spared several dollars on her protection arrangement through an insuretech startup called Gabi? Indeed, for reasons unknown, when you need to get a good deal on vehicle protection, you can't think all that you read.

Vehicle protection is anything but a one-measure fits-all suggestion. What works for one individual may not work for another. I found that the most difficult way possible. Look as far as possible of that story for a hint. Turns out the equivalent dependable systems that helped you get a good deal on protection a year ago can work today. Be that as it may, be careful with easy routes.

An ongoing Policygenius.com overview found that 1 of every 3 Americans have never re-shopped their accident protection. Of those who've never re-shopped, 32% said it was on the grounds that they figured it would require a lot of investment, while about 16% said they would prefer not to do the administrative work.

Gabi is one of a few promising insuretech organizations that utilization innovation to discover the two investment funds and effectiveness in the protection business. As I revealed, they're additionally dismissing the business' concentration from making speedy deals and toward building long haul connections that could profit the two customers like Scheufler and forward-looking insurance agencies. That is something worth being thankful for.

What happened when I attempted to get a good deal on vehicle protection 

The Gabi application, you'll review, helped Scheufler discover a strategy through an organization called Clearcover for her 2015 Mazda CX5 that cost about $100 every month, hundreds not as much as her past approach.

I signed up for Gabi to see if it would work for me. After I surrendered my name, driver's license number, and the login for my current auto insurance, Gabi went into radio silence for three days and then sent me the following message:

Hi Christopher, this is Natallia from Gabi. I just found you savings of $585 on your AAA policy.

Wow, $585? Where do I sign up?

Natallia asked me to review the policy and fill out the payment form.

So far, so good.

Then came the bad news.

After carefully reviewing your policy, we were unable to confirm the potential savings we initially sent. We've confirmed that you can save $39 per year by switching your Auto insurance to Kemper Preferred. Please review the attached Gabi proposal. Just let us know what's your decision.

Wait, how did we go from $585 to $39? I asked.

So, unfortunately, the initial rates changed once we gathered the driver's license, updated birthdays, annual miles and then we submit the info inside the insurance carriers website.

Then your insurance history & driving record came back, (even though you have a clean record) and there are cases where the rates we receive change when the carrier runs these reports.

I apologize for this, our goal is to find you savings and we are constantly reviewing all cases like yours to fine-tune the communication between our system and the carriers.

That's a little disappointing.

Needless to say, I'm not going to switch carriers to save $39. I still like Gabi and believe it's a valuable tool for people who want to save money on car insurance. But, now that I've been through the process, I think there's a little more to it than downloading an app.

Strategies for saving money on car insurance

There are other ways to save, experts told me.

Mind your credit score. One of the most overlooked ways to save money on insurance is to have a high credit score, according to James Garvey, CEO of Self Lender, a site that helps consumers build their credit score. "In all but three states, it is legal for insurance companies to underwrite your insurance policies with your credit score," he says. "While this may seem unfair, it's unfortunately the reality that most Americans experience today." But if you live in California, Hawaii or Massachusetts, then your credit score won't be eligible for underwriting your policy.

Ask your employer. "One type of insurance discount that many people never even think about can come from an employer," says Joel Ohman, founder of CarInsuranceComparison.com. "Many large companies offer various discounts to their employees if they purchase a policy through a preferred insurance provider that the employer may have some type of special arrangement with. Often employees don't even think to check with their employer or they forget to bring it up to the insurer."

Play it safe. That's the advice of insurance agent Jenny Saint Preux. That includes installing a security system. "Even a passively enabled security system can afford savings on your premium," she says. "Monitored systems, such as LoJack and OnStar, generally afford greater savings." You can also complete a defensive driving course, which can lower your premiums, she says.

Drive carefully. "Believe it or not, a bad driving record, in addition to a bad financial credit report, may cause the underwriter to rate the case, meaning they will add an additional premium due to the risk of the insured that the carrier is undertaking," explains Mark Charnet, founder and CEO of American Prosperity Group. So drive safely -- and don't expect a discount if you have a string of moving violations.

Cast a wide net. Gabi is just one potential source for saving money on car insurance. Last spring, personal finance consultant Kassandra Dasentmy turned to PolicyGenius.com for help. "We had coverage with State Farm for several years but felt that we could find a cheaper alternative," she says. PolicyGenius.com came through. " we are now paying less than half the amount in monthly premiums," she says. (Alas, when I try to use PolicyGenius, it tells me there's a waiting list in my home state of Arizona. Wow, today is not my day to save money on car insurance!)

Maybe you're asking the wrong question

"Insurance is often purchased as a commodity," explains Rob Drury, executive director of the Association of Christian Financial Advisors, "price being the eventual determining factor in the decision."

But maybe that's the wrong approach.

"In reality, cost is perhaps the least important consideration," he says.

Why? Premiums are actuarial; that is, they're carefully and conservatively calculated based entirely on risk.

In other words, there is no such thing as expensive or cheap insurance. If a premium is low, it represents a minimal risk that is either unlikely to occur, or would result in minimal expense. If it is high, it represents a peril that is likely to occur or is exceptionally costly to rectify.

"If one policy's premium is substantially less than another's, it is a clear sign that the coverage is relatively inadequate," he says.

Put differently, if you find a cheap policy, maybe you should ask: What is it missing? You'll want to find out now -- and not by accident.

Wednesday, February 27, 2019

Saving For Retirement In Your 20s: The Effect Of Student Loans


Setting aside some cash at a youthful age can be troublesome for numerous reasons—the lowest pay permitted by law occupations or passage level pay rates simply spread your costs, social weights make them spend more cash than you ought to and the budgetary weight of a school instruction is more prominent than at any other time. In any case, despite everything it ought to be a need.

On the off chance that you have a lot of understudy credit obligation, for example, $50,000, paying it off may mean losing 10 years or more that you could've been putting something aside for retirement. You're not just losing the cash you spend on the credit installments and premium, you're likewise losing the cash you could've picked up if your installments were going into a speculation account. Those 10 years of reserve funds could've developed to a huge number of dollars when you resign.

Here are a few things you should consider in case you're thinking about taking—or have officially taken—understudy credits.

Offset your educational cost with your business prospects.

School educational costs can change extraordinarily crosswise over establishments. Junior colleges, state colleges and private schools all have distinctive sticker prices, so consider the estimation of the training before you focus on more than you have to spend.

Beginning at a junior college can enormously diminish your educational cost expenses. Picking a state college with in-state educational cost decreases can yield indistinguishable top notch instruction from a private school that is twofold the cost.

In case you're resolved on setting off to a progressively costly school for a particular training like pre-prescription or pre-law, take a gander at the rate of work among alumni and on the off chance that they have any activity arrangement projects to enable you to discover work in the wake of graduating. The sooner you can begin making a respectable salary, the speedier you can satisfy your understudy advances and begin putting cash away for your future.

Exchange schools and testament projects can be viable and moderate options in contrast to customary universities. For instance, say you have an enthusiasm for cooking. As per U.S. News and World Report's 2019 Best Colleges rankings, the normal pay for an alumni with a culinary expressions degree is $36,200. A private, 4-year instruction that costs more than you'll make in a year may not be your best choice. Think about taking classes at a junior college and looking for temporary jobs or apprenticeships that could transform into paid positions.

Make paying back credits your need.

At times, taking out an understudy advance is unavoidable. On the off chance that you've taken out credits, don't defer with regards to paying them back. Making least regularly scheduled installments will cost you progressively not far off and increment the time you spend in the red.

Make as expansive of an installment as you can stand to every month, regardless of whether it implies chopping down spending in different zones, for example, lease, extravagances, eating out or voyaging.

Try not to be in a hurry to move out.

Living without anyone else might be what you've been longing for since the first run through your folks gave you a time limitation. In any case, before you transfer ownership of half of your pay on a condo rent, you might need to remain a couple of additional years in your folks' home if it's a choice. You'll save money on lease, basic needs and utilities and can utilize that cash to satisfy your understudy advances or put something aside for your future.

On the off chance that living at home isn't a choice, keep your lodging costs somewhere near finding numerous flat mates and bypassing those rock ledges for an increasingly humble loft alternative.

The exercise:

While instruction is imperative, piling on understudy credits can put a major gouge in your future investment funds. Consider instructive choices with lower educational cost expenses or extraordinary occupation prospects to get your credits satisfied at the earliest opportunity. The snappier you can put cash towards retirement as opposed to satisfying obligation, the happier you'll be later on.

Where You'll Pay The Most And Least For Car Insurance


You may maintain a pristine driving record and own an eminently safe and sane family-minded vehicle, yet still find yourself paying a lot more than the average policyholder for car insurance. That’s because in addition to factors like a person’s age, gender, marital status, credit history, and the vehicle being covered, one’s address can make a surprisingly significant difference in what a given motorist will pay for premiums.

According to the 2019 State of Auto Insurance Report complied by the personal finance website The Zebra.com, residents of Michigan endure the highest car insurance rates in the nation at an average $2,693 per year. At the other end of the list, those living in bucolic Maine are charged the least for auto coverage at an average $896. The national average annual premium is $1,470. We're including the website's average rates for the 10 best-selling vehicles in the U.S. in the accompanying slide show.

The Zebra.com says car insurance rates have risen by more than 23% since 2011 and ended 2018 2.3% higher on the year. What’s more, there appears to be little consistency among the states when it comes to annual rate hikes. Over the last eight years, 15 states’ rates have increased 40% or more, with some rising as much as 80%. At that, during the same period, 10 states saw premiums drop by as much as 20%.


Auto insurance costs vary from one state to another based on a variety of factors. These include population density, the number of uninsured motorists, the frequency of weather-related claims (especially hail storms, hurricanes, and tornadoes), and whether state regulations and/or the court system tends to favor the insurance industry or the consumer.

For example, citizens of Michigan are socked for hefty auto insurance coverage premiums in large part because of its so-called no-fault auto insurance system. As with other no-fault states, Michigan requires auto owners to carry personal injury protection (PIP) coverage that pays for medical expenses of the policyholder, family members, and uninsured passengers if they’re injured in a collision. However, unlike other states that have similar provisions, Michigan does not set limits on PIP coverage. Higher rates of insurance fraud and a greater-than-average number of uninsured drivers on the road also help drive up premiums.

At that, even within the same state car insurance rates can vary from one zip code to another by as much as 265%. Generally, those living in crowded urban areas will pay more for car insurance than will those living in sleepy rural regions. The most populated cities suffer greater traffic congestion, higher crime rates and more uninsured drivers behind the wheel. That means there's a greater chance of a big city policyholder getting into a wreck, perhaps with driver not having coverage at fault, or having his or her vehicle stolen or broken into.

Among the nation’s cities, those living in Detroit – ironically, nicknamed the Motor City – are charged the highest rates of any metro area in the nation at a staggering $5,464 per year. By contrast, drivers residing in Winston-Salem, NC pay the lowest rates at an average $846. For those keeping score that’s a spread of $4,618 a year based solely on a policyholder’s ZIP Code.

Monday, February 25, 2019

AT LAST! Imo Governor “Rochas Okorocha” Wins Senatorial Election

Imo state governor, Rochas Okorocha of the All Progressives Congress (APC) has been declared the winner of the Imo west senatorial election.
He was declared the winner by the returning officer, Francis Ibeawuchi, on Monday, February 25 at the collation center in Orlu local government area of Imo state.
Okorocha polled 97,762 votes to defeat his closest rival of the Peoples Democratic Party (PDP) Jones Onyereri who got 68,117 votes.
The APC candidate also defeated the candidate of All Progressives Grand Alliance (APGA), who emerged third with 30,923 votes.

BREAKING NEWS!! Governor Ajimobi Loses Senatorial Election To PDP

The Oyo state Governor Ajimobi whose tenure is coming to an end soon lost to Kola Balogun of the PDP at the recently held election on Saturday.
Governor Ajimobi was beaten to second by Kola Balogun – 105,720 votes while Ajimobi polled 92,218 votes.
This declaration was made Monday morning by the returning officer of the district, Wole Akinsola, at the INEC collation centre office located in Ibadan North LGA.
In total, Mr Ajimobi won in three of the local governments in the senatorial district. Mr Balogun won the remaining six.
Congrats to the Winner 🍾🍾🍾

#NigeriaDecides2019: Buhari Wins In Ekiti As APC Clears Three Senate, Six House Seats

The Independent National Electoral Commission (INEC) has declared the All Progressives Congress (APC) candidates as winners of the three senatorial and six House of Representatives seats in Ekiti State in the last Saturday’s National Assembly elections.
In the same manner, President Muhammadu Buhariscored a total of 219,231 votes to defeat the presidential candidate of the Peoples Democratic Party (PDP), Alhaji Abubakar Atiku, who scored 154,032votes in the state.
In the results declared by INEC, Prince Dayo Adeyeye of the All Progressives Congress (APC) was declared winner of the Ekiti South senatorial district.
Former House of Representatives member and APC senatorial candidate in Ekiti Central election, Hon Opeyemi Bamidele, won the senatorial seat in the state.
Bamidele, who was in the lower chambers of the National Assembly between 2011 and 2015, scored a total of 94,279 to trounce the PDP candidate, Obafemi Adewale.
Adewale polled a total of 48,707 votes.
INEC Returning Officer, Prof. Laide Lawal, announced the results in the state in the early hours of yesterday in Ikere.
While the winner scored 77,621 votes, the opposition PDP and Senate Minority Leader, Senator Biodun Olujimi polled a total of 53,741 votes.
Apart from the APC and PDP, other parties that participated in the election were Democratic Alliance (DA), Green Party of Nigeria (GPN),
Peoples Party of Nigeria (PPN), NAC and others Similarly, INEC
Returning Officer, Prof. Sunday Abayomi Fasina, declared Adetunmbi of the APC the winner of the Ekiti North senatorial district poll.

“This Is A Clear Case Of Over Voting” – Ngige Rejects Presidential Results As Atiku Wins in Anambra

ThisDay reports that the results collated yesterday at the Anambra State headquarters of the Independent National Electoral Commission (INEC) showed that the candidate of the Peoples Democratic party (PDP), Alhaji Atiku Abubakar has won in four local government areas so far announced.
But the Minister of Labour and Employment, Senator Chris Ngige has raised objection to the results, particularly that of Njikoka Local Government Area.
The LGAs include; Anaocha,Dunukofia, Anambra West and Njikoka. Atiku was clearly leading with a wide margin in the four LGAs.
But Ngige who is the APC agent in the election said the results announced by the collation officer, Prof. Edmund Egbo, did not tally with what was collated in the polling units and wards of the LGA.
Ngige who addressed the state collation officer, Prof Francis Otunta said, “With due respect, we cannot accept this result, because it does not tally with what was collated in the field.
Ngige said:-
“This is a clear case of over voting, and my party will not accept it. We know that we are working to beat time, especially because of the number of presidential candidates involved, but the right thing would have been to start by announcing the results from the field, before that of the entire local government”.
Tabulation by the collation officers however, proved otherwise, as there were no incidences of over voting, except a slight increase in the number of the total votes, as against those garnered by individual candidates.
The state collation officer ordered that the local government collation officer reconciles the figures and represent them. Indications were however strong that Atiku would win most local governments in the state.
So far, in PDP polled 30,655 as against APC’s 1, 055 in Anaocha LGA. In Dunukofia, PDP polled 17, 270 while APC polled 1, 452. In Anambra West, PDP polled 15,384 and APC 2,428, while in Njikoka; PDP 28,365 and APC 2428.

22-Year-Old Lady Robbed And R*ped While Trying To Locate A Friend’s House (Photo)

A 22 year old lady was raped and robbed after she sought assistance from two men to assist her in locating a friend’s home yesterday evening (Sunday) in Riverview – Verulam, South Africa.
Yesterday evening, the victim was driven to Reaction Unit South Africa in Verulam by an Uber Driver who she managed to flag down following the incident.
The victim explained that she was from Park Street in Central Durban and arrived in Verulam by taxi yesterday afternoon. She was to meet a friend and got lost while searching for her house.
She met two men and asked them for assistance. They claimed to know her friend and offered to escort the victim to her home. One of the suspects gave the victim his cellphone number in an attempt to win her trust.
While walking one of the men robbed her of her cellphone and her purse containing cash & her bank cards. He then fled the scene. His accomplice dragged her into a bush where he raped her.
After he left, the victim managed to flag down a passing Uber vehicle which stopped to assist her.
The emotional woman described the suspect who raped her as tall & dark in complexion with short hair. The victim believes that both suspects were foreign nationals.

Saturday, February 23, 2019

My Fun Experience With A Lady In Abuja.


I was taking my usual evening stroll in an estate I lived in some years back while I was in Abuja. Most evenings you see a lot of beautiful ladies either doing evening exercise or strolling with their dogs or stuffs like that.

So on this day I came across one cute lady doing her exercise and I approached her, stretched out my hand for a handshake and introduced myself. She shook me as well but didn't give me her name and told me she was busy so as a gentle man I excused her and went my way. On another cool evening I saw her again at same place and almost same time so I greeted her and kept on walking but I had timed her already. 

As a badt Edo guy, on another day I drove down there so she knows the nigger got a ride and you know some girls no dey take eye see machine. Ac pumping, gbedu blasting very cool, I pulled over and this time as a papas, I just signaled her to come over a minute and to my surprise she came over. When she saw me properly she smiled and I knew e don set. So I told her let's take a ride, get some few drinks at the corner shop and go chill in one lonely side of the estate that was still being developed.

All these while my mind na to blow that yansh and I no even remember to ask her name. Just like play I don dey touch this babe inside car, fell the seat so she relax properly. Started kissing her and she was so responding very well. As I took my hands down the major area I just realised my bread has since been buttered and ready to devour, the girl wore only her tight leggings and wasn't wearing anything inside. Just like that, no condom self I just chop this babe like play like play. Everything was so pure and sweet I just dey trip die. I no even fear for HIV or any disease because me I know say the babe na pure ajebo pikin.

After everything she didn't allow me drop her in her house and she didn't give me her number, she just told me to drop her were I picked her and we should meet there same time next day. It was the next day we went on same chillings I got her name as Ogechi (Igbo Amaka). I swear I miss the babe. 

The shocking part of everything was that until I left Abuja I never knew her house and she never knew my house. We never had each others phone numbers, we just had a private good time together and she really helped my balls wella.

16 Amazing Facts About Queen Elizabeth II

Even though queen Elizabeth is a public figure, she lives a very private life. What baffles most people about her is that she seldom speaks about herself and never grant interviews to the media. This is the reason why so little is known about her.

With over 66 years on the throne, she has become the longest reigning British monarch. Behind the stern poker face you always see screen, there are a whole lot of amazing facts you don’t know about her.

16 Amazing Facts About Queen Elizabeth 

#1. She Never Attended Any School

This is one of the most amazing facts about Queen Elizabeth. Again, that she didn’t attend any school doesn’t mean she isn’t educated.

Although she didn’t attend the four walls of school, she still had the best education. Herself and her younger sister ( Princess Margaret) had private tutors who taught them at home.

#2. Queen Elizabeth Is Married To Her Third Cousin ( Prince Philip)

You are probably knowing this for the first time. Don’t feel bad, we learn everyday.

Queen Elizabeth is actually related to her husband. In fact, he is a maternal relation to Queen Victoria ( Elizabeth’s great-great grandmother). 

Let me blow your mind a little. Philip was born into the royal families of Greece and Denmark. However, he renounced his original titles when he married Elizabeth.

They have been living happily together for 69 years. 

#3. Do You Know That Queen Elizabeth Celebrates Her Birthday Twice A Year?

Elizabeth actually celebrates her birthday twice in a year. While is real birthday is April 21st, the country officially celebrates it in June 11.

#4. She Has Reigned For A Very Long Time 

Queen Elizabeth has reigned for a long time. In fact, she is the only Monarch most Brits know.

As at when she ascended the throne, about 81% of U.K. Citizens weren’t alive. 

She became queen immediately after the death of her father in 1952. Today she has become the longest reigning monarch in the world.

#5. She Owns All The Swans And Dolphins In UK Water

During the 12th century, the British monarch laid claims to “all mute swans in the country”. During this period, they were a delicacy.

However, the queen doesn’t eat them anymore, but she still owns them. 

#6. She Has Made At Least 260 Overseas trips since she ascended the throne

Queen Elizabeth II has made over 260 overseas trips. However, she has slowed down her international trip. 

But she still travels a lot. In fact, in 2015 alone, she carried out over 341 royal engagements.

#7. She Has Outlasted 14 British Prime Minister and 13 US President During her Reign (Still Counting)

In her 66 years of reign, she has outlasted 14 British Prime Minister and 13 US presidents. Guess what?? The counting continues. 

#8. She Is Rich But Not The Richest Person In The UK

Without an iota of doubt, Queen Elizabeth is very rich. But she is not among the richest people in the UK.

She gets money from taxpayers and the royal family real estate holdings. Her net worth is £340 million. 

However, she has not been listed on the SUNDAY Times’ list of 300 wealthiest Brits for the past 2 years.

#9. She Pays Her Taxes Every Year

Ordinarily, queen Elizabeth II isn’t required to pay tax. But she has been paying tax voluntarily since 1993. 

Isn’t she a great leader? How many leaders around the world do this? 

#10. She’s been Portrayed As A Character In Roughly 100 TV Shows and Movies

Queen Elizabeth has been portrayed as a character in several movies.

#11. She Drinks A Glass Of Champagne Every Night Before She Retires To Bed

Queen Elizabeth drinks a glass of champagne every night before going to bed. Perhaps, this is her little health secret. 

#12. She doesn’t have a Passport or Driver’s license.

Surprise right? Well don’t be, queen Elizabeth doesn’t have a passport and driver’s license.

Come to think of it, does she really need these documents? They are issued in her name. And she is very comfortable behind the wheel. 

#13. She Uses Her Purse To Send Secret Signals To Her Staff 

The queen has a way of using his handbag or purse to send secret signals to her staff. She uses such signals to exit boring meetings. 

For instance; if she places her purse on a table during a dinner, this is an indication that the event should end in the next 5 minutes. 

Again, if she places her bag or purse on the floor, it is an indication that she wants to be rescued from a current conversation.

#14. She Doesn’t Use A Last Name

The queen doesn’t have a last name. Her official name is “Elizabeth the Second, by the Grace of God, of the United Kingdom of Great Britain and Northern Ireland, and of her other Realms and Territories Queen, Head of the Commonwealth, Defender of the Faith.”

#15. She Can’t Be Prosecuted Or Compelled To Give Evidence In Court

Queen Elizabeth II can neither be prosecuted nor compelled to give evidence in court. Indeed, being a Queen comes with great perks. 

However, she never abuses her power and she always acts in accordance with the provision of the law. 

#16. She Publishes The List Of Gifts People Give Her Annually

It is customary of the Royal family to always publish list of gifts the Queen receive from the public and world leaders. This may sound weird, but it has been the tradition of the royal family from time immemorial.