Financial Calculators Are Only Tools – Not the Final Answer For Senior Retirement Planning

If good retirement planning for seniors or anyone for that matter required only the output from a trusty financial calculator, then why would we ever need an advisor? If you look on the internet, you can almost get overwhelmed with the vast array of financial, retirement and mortgage calculators offered. And most are free tools, sort of.

The role of a good retirement calculator is a first step view of your retirement needs from the perspective of about 20,000 feet. It is a broad view. The key to success lies in your ability to dive into the planning details, establish a practical plan based on reality and preserve your ability to adjust it as needed over time.

Think of it…most businesses and government agencies cannot forecast their revenues or expenses accurately one year in advance yet “certified planners” suggest you should project your needs 15-20 years into the future. Even if you put just a basic plan in Age calculator place, you don’t know what your health will be. You don’t know if your job will still be there. You don’t know the situation of spouse, children, parents and extended family. And you certainly don’t know how much the government will want from you check before you get what is left.

All of this simply highlights that retirement planning is a process not an event. And the financial calculators can be a useful tool in that process. Most calculators offered on the internet are similar in function and are offered with one slight obligation which is that you will experience just enough guilt or gratitude to meet with the company representative offering the calculator.

So download a calculator or two and play around with some scenarios. In the process you may meet an advisor that can bring meaningful value to your plans. Start with your current age and project a couple of different retirement ages such as 60 years old and 70 years of age. The calculator will ask about your income now, how much income you would like to have at retirement and what you have saved currently. What you will get is an estimate of what you will need to save to get the income you want. But now the real visionary work begins.

Your life is so much more than a number in a calculator. Don’t assume your life ends at 60 or 70 or even 80. Start a new vision or re-vision in every dimension of your life. What dreams do you have? Start a business, travel, plant a garden, build something out of wood, or find a new mate.

Retirement planning is not just an exercise in accepting limitation, regret and frugality. It can be the door to the most productive time of your life. It can be a time of discovery. It can be a time when you realize that your happiness isn’t dependent on anything external but an incredible journey to an understanding of who you really are.

Start the journey. Take a step. Use the diverse financial calculators and their planners as a guide and then make adjustments along the way so you stay on course. Most importantly have fun today because tomorrow is not guaranteed to anyone.

Spy Camera Surveillance: Are There Legitimate Uses?

Did you know that there are a lot of people, from all over the world and all walks of life, who might be interested in doing a little amateur sleuthing with spy camera surveillance?

Contrary to what some people may think, using a hidden camera for surveillance is not automatically against the law. In fact, the actual laws regarding the use of hidden cameras for surveillance purposes vary from state to state in America. In most states, it is not illegal to use these hidden cameras even in private places.

In the few states that do prohibit the use of hidden camera surveillance, it is basically limited to areas where individuals may reasonably expect privacy such as bathrooms, locker rooms and dressing rooms.

That being said, the majority of potential customers who may want to use a hidden surveillance camera are not interested in placing one in any of these locations, anyway. So, this doesn’t present a real problem in selling these very popular items!

Hidden Camera and Security Cameras: What is the Difference?

You may be wondering what the difference is between a security type of surveillance camera, such as within a retail department store or convenience store, and a hidden camera.

A hidden camera is:

– Small enough to be concealed within a room or on a person.
– Intentionally designed and developed to be concealed on your person somewhere or within a room.
– Deliberately designed to be disguised as something else. An example of this would be a wristwatch with a concealed spy camera.

Regular surveillance cameras for industrial Lawmate USA type use are considerably larger and not really intended to be concealed in many cases.

What are Some Uses for Hidden Camera Surveillance?

There are many possible legitimate uses for spy camera surveillance. Here are just a few examples of scenarios where a spy camera would come in very handy:

Nature Watching: A great example of this use of spy camera surveillance is watching a bird’s nest to observe the entire process of birds hatching and growing to fledglings from start to finish. Many people also like to place hidden spy cameras to observe wildlife such as deer feeding or drinking from a water hole.

Coconut Oil – Oil From the Tree of Life

The coconut palm tree is a remarkable and valuable plant. The coconut palm tree has probably a thousand uses. The nut of the coconut palm plant is used as a source of food to sustain life. It is an important ingredient in medicine. Other parts of the plant are used as materials to build shelter, make clothing, charcoal, and various tools. The purpose of the plant is numerous. The coconut palm tree has the scientific name: Cocos nucifera, but it has other well meaning names that seem to suit it just as well. In India it is referred to as “Kalpa vriksha” or the “tree which provides all the necessities of life”. In the Philippines it is called the “tree of life”.

The coconut palm grows abundantly in the tropics and it gives the islands the feeling of paradise and romance, especially along its coastlines. It typically grows to 60 to 70 feet tall and has a life span of up to 70 years. The fruit of the coconut tree is considered botanically a seed, but in the tropics it is mostly considered a nut. It bears year round in bunches of 5 to 12 nuts every month.

The coconut palm takes 14 months to fully mature. A young coconut is completely filled with liquid (referred to as coconut water) and has little meat. The meat is soft and jelly-like in texture and can be eaten with a spoon. A fully mature coconut has less liquid and more meat. Its meat is thick and hard and less sweet than the meat of the young coconut.

The content of meat and liquid varies as the nut matures. Fresh mature coconut meat is also used to make make coconut milk, but fresh coconut meat can spoil quickly and so it is often dried to last for many weeks and longer if sealed in an airtight container and kept cool. However, it is the meat of the coconut that is used to make coconut oil that has captured the most controversy within the last two decades and encourage a number of nutritional fallacies.

The controversy

Coconut oil has been around for thousand of years. Evidence of its early use is seen in Ayurveda literature. In India, the oil was used in food, lotion, pomades, baths, and medicines. It was also used in Asia, The Pacific islands, Africa, and Central America. It was introduced to the Europeans as far back in the 15th century.

By the 1800’s, coconut oil was a main cbd oil canada form of trade for many of these islands and countries that had an abundance of the coconut palms. It was not only an edible oil; it was used to make soap, candles, lamps, pomades, and many cosmetics. In order to produce a quart of oil, 10 coconuts were needed. An increased demand in coconut would obviously mean higher prices. The leading country producers of coconut oil were Philippines, Malaysia, Indonesia, and India. It was also produced in Latin America and South America. These are the producers that were mostly affected by the biggest propaganda ever hatched in the field of nutrition.

In the 1970s, studies indicated that saturated fat increase blood cholesterol which could increase the risk factor in the development of heart disease. In the USA, coconut oil was already used in a number of baking products. Even in a number of old American recipe books, the oil was included. But soon a number of consumer groups and special interest organization began to lobby the removal of coconut oil from most of its foods.

Consequently, coconut oil, because of its high content of saturated fat and its new stigma as an “artery-clogging fat”, became an undesirable and an “unhealthy” choice in cooking. This perpetuated a perfect environment for other types of oil producers to take advantage of this growing consumer fear. And that is just what they did to push their cheaper hydrogenated oils.

Why You Should Stay Away From Casino Bonuses

Most online casinos have discovered the power of bonuses and are using it to woo customers. But are online casino bonuses worth claiming? This article will provide a detailed insight on the legitimacy of online casino bonuses. There are numerous reasons as to why players should not take bonuses seriously.

  1. Absurd wagering requirements

The wagering requirements in most online casinos are simply outrageous. The first step to conforming to the strange requirements is by claiming a bonus. But when you do, you will encounter a rough ride before you can enjoy the bonus. The best way to avoid such disappointments is by shunning the bonuses. That said, here is a brief explanation of some of the strange wager requirements.

The terms and conditions for bonuses have sneaky rules which introduce rollover amounts for bonuses. For instance, if you claim a 100%bonus of up to $500, you are required to wager 20x the bonus plus your deposit before you are eligible to receive the bonus. Such a requirement certainly makes the claim process not worthwhile considering there will be loses in the course of your wagering.

Apart from the painstaking process, claiming the bonus can prove to be an expensive affair. Why? You will have to deposit lots of money before you can claim the bonus. For example, if you deposited $500 in order to claim the $500 bonus, you will be required to wager a sum of $20,000. However, the rollover ranges from 8% to 10% and in some cases 20% rollover. This will depend on the platform you are using. With such combative requirements, you certainly would not want to waste your time claiming a bonus. Would you?

  1. Zero guarantee

Meeting the wagering requirements does not guarantee cash out. Most players may think that online casinos are a great way of making a quick buck. Well, casinos are not in the business of dishing out cash. They depend on you to conform to their requirements to keep their engines rolling. The fact that the rules are twisted for you to invest more before you can receive the signal should act as a wake-up call. Another shocking fact is that not all the games count in claiming your bonus, this means that you have to play longer. In the course of your gaming, you are bound to make loses and this 카지노사이트 추천 makes it tiring.

  1. Roulette does not count

Imagine playing your favorite game but you do not qualify for bonuses? In most online casinos, playing roulette does not satisfy the wagering requirements. Since roulette is not considered in wagering requirements, you cannot withdraw your winnings. The good news is that you can avoid this hassle. All you need to do is to tell the casino that you are not interested in bonuses. However, ensure you communicate before you have made any deposits. In case you have already deposited, do not play yet until you have relayed your message. There are various ways through which you can communicate with the online casinos. Firstly, you can use the live chat feature available on the casinos interface. You can also call the casino via the numbers of the website. Finally, you can send an email. We strongly recommend speaking to a representative via phone so that you can get your request granted quickly. Once you have been excluded from the bonus, you can now enjoy playing roulette and withdrawing your earnings.

  1. Bonuses are a scam

Bonuses are quite cheeky. The requirements on the surface might look appealing but in reality, they have hidden meanings. Owing to the haste with which most players conform to the bonus requirements, they have fallen prey to the online casino operators. Many players have expressed disappointment after having signed up for casino bonuses. One of the main reasons for the upsurge in players falling for the scam is due to the high number of casino operators. It has become difficult to discern between the trustworthy platforms and the quacks.

Christmas Sermon Outlines – Is It Worth It?

As you study and prepare your Christmas Sermon Outlines, what sort of environment is around you? Are the kids running around? Is the television on? Maybe you have some music playing. I know for many of us we enjoy a little background noise. We believe that it calms us. I also know that there are many of these camisa cristã noise factors that we cannot do much about. For example, if you are a parent and pressed for time, you may have to study at home and your kids are going to be there. But what about the things you can control? Do you really need all of that noise in your life?

In our world we have forgotten the beauty and power of silence? Think about it. When was the last time that you say in complete and total silence? You may not even be able to remember. Silence relaxes us. It also helps us to think clearly which can be very important as we prepare our Christmas Sermon Outlines.

Granted silence does not come easy anymore. There are so many external factors around us that are almost beyond our control. There is new technology everyday that keeps the noise right at everyone’s fingertips each and every moment. Our lives continue to get busier and busier. This does not mean that silence is unattainable though. It merely means that you have to be intentional about seeking it out.

Take some time to get away everyone once in a while. Maybe declare a no technology Monday. Communicate clearly to everyone that there will be a designated time during the week where you are not to be bothered. If you do this though be firm and stick to it. I believe if you do you will be amazed at what it does for your stress level and your preparation.

So as you prepare your Christmas Sermon Outlines, work hard to find a quiet place. Maybe even step away from them for a while and enjoy the beauty and power of silence.

Learn Sports Betting and Make Money While Enjoying Your Favorite Sports

Sports betting has become a practice by many while enjoying their favorite game. With the convenience of the internet, putting your bets in sports outcome can also be done online these days but of course, it is important to understand that putting money in the outcome of sports may be illegal in some places and states, thus make sure you are allowed to bet on sports in your area.

To learn sports betting, you have to learn right from the start. You don’t have to thoroughly understand the details of the mechanics of the sports. Understanding the abilities and analyzing the performances of the teams and the individuals may even be more important as well as this will help you choose where to put your money.

You also have to learn the basic jargons and terms used on how to put your money and bets on sports. Although most bets in sports may employ more or less the same rules, there may however be slight differences depending on the sports. Among the sports where you can bet on the outcome is football, boxing, horseracing, basketball, baseball and hockey.

If you want to add an extra thrill to your sports watching, you can learn sports betting and make money from it as well. However, understand that betting in sports is not just about choosing the team that you think will win the game. There are different types of bets and in fact, you can bet on the total score of the game, you can bet on several teams and you can also make combination bets where you will bet on several teams winning at the right order.

In fact, putting your money on a crowd’s favorite to win is not often a good decision in sports betting. There are certain rules in betting where you may not win big by putting your money on a crowd favorite. To understand these 해외배팅사이트 basics in putting bets and learn about it as well, here are a few of the types of bets that you may want to learn and some terms that you may want to get yourself familiar with.

The spread is a term in sports betting which describes a condition for your selection on where to bet. Say, if you are putting your money on a team favored to win, you may be given a spread or a condition for you to win. Say if the spread is 13, the underdog is given 13 points ahead in the game and this will determine if you can win your bet. This means, the favored team must win more than 13 points for you to win your bet. If they win by 13 points, that is considered a tie and you neither win nor lose your bet.

Aside from the spread, you can also bet on the total score of the game, bet on two or more games. Keep in mind that the more complicated are the bets, the bigger you may win as a jackpot but of course, you have to remember as well that these types of bets may also carry higher risks than the simple types.

Best Free Android Apps for Smartphones and Tablets

Android was designed specifically for mobile devices and was released in 2008. Within a few years of its release, it has become the second most widely used operating system for smartphones and tablet devices. Other than the applications that can be purchased, there are scores of apps in Android market that can be downloaded for free. We would discuss some of the best free Android apps that are available for the Android users on their mobile devices.

Android app store, at present, is stocked with more than 500,000 apps, many of which are absolutely free. The rate at which apps for Android are being developed is much higher than the app development rate for any other operating system for mobile devices.

Perhaps it would be appropriate to start with Adobe Reader app for smartphones. This free app is one of the most downloaded and most popular Android apps and runs equally well on smartphones as well as tablet devices. Adobe Reader is an essential companion for any person who needs to download and read books on his or her mobile device.

After Adobe Reader comes the free social networking app for Skype. This app has gained much attention in a very limited time. Skype facilitates VoIP calls from your mobile within very reasonable rates and with a very decent quality. Users can also engage in totally free Skype-to-Skype video calls, for which this software is the best.

Google maps is the next in the list, which like most other products and services from Google, is just awesome. Although this app is generally a must have, for those users who usually remain mobile and have to travel a lot this app should be the top priority. Equipped with free and voice-guided GPS, this app makes sure that you never get lost during your journey.

With the rise of social networking, the apps developed specifically for this purpose are numerous and certainly hold a prominent place among the best free Android apps. Two such amazing apps are Facebook and Twitter Ac market download applications developed for mobile phones. These applications have been optimized for your smartphones and tablet devices and provide a very user friendly interface which really doesn’t let you feel any difference from the original versions.

Similar is the case with the latest YouTube app for Android phones. Initial version of this app needed some improvements and those improvements have been performed in the latest version. With the latest version, users can enjoy the video streaming and watching experience just the way they do on their computers.

For movie buffs, IMDb Movies & TV is a perfect application through which you can find details about your favorite films and TV shows, watch their trailers and search the massive film database, totally free. Among the best free Android apps recently developed, Angry Birds has gained a widespread popularity. This app can certainly be regarded as one of the best game apps in the Android market at present. The next version of this game with the name of Angry Birds Rio has also followed.

Printed Shopping Bags Are All the Rage

The question at the checkout use to be whether you wanted plastic or paper. Now, the answer may be that you have your own reusable printed shopping bags that you can use over and over again. These are great for the environment as it means less trees are sacrificed to make paper bags, and there are fewer and fewer disposable plastic bags are made. Both are recyclable, but the bags that you can buy and use over and over again are by far the best idea. If you have your own business, this is a great advertising tool.

You can have your own printed shopping bags made with your company name on them. If you sell them for a low price, your customers will buy them and use them when they come to see you. They may also use them when they go to other stores. The smart shopper that loves these bags keep them in the car and in a place where they can pick them up on the way out the door each time they leave the house. Your name and your logo are going to go with them wherever they go. You can not buy that type of exposure for your company otherwise.

Think carefully when you come up with a design for your printed shopping bags. You want something that will show your name and logo, but you also want something that is going to look good. No one wants to carry something that does not look good. If you can come up with a stylish way to showcase your company while print shops london still adding something nice to the bag, you have come up with one that people are more likely to buy and more likely to use in the long run. Colors and contemporary designs are the way to go when designing what you want on your bags.

You also have to think about the size of the bags. You want printed shopping bags that are going to carry a good amount of stuff but that are not too oversized and bulky. You may want to come up with a few different sizes so that someone who knows they are only getting a few things can choose to take a smaller bag with them, hopefully your bag. The bag as to be sturdy enough to carry the weight that you can put in it, so think hard before making them too big and make sure the handles are going to be comfortable on the hand when the bag is full.

Your printed shopping bags are going to be carried in and out of businesses, but they are also going to be seen by friends and family. You may find that these are a great way to tote things when your kids are going for a visit and need a change of clothing or some toys. You can move just about anything that fits in a bag from one location to another, making these bags highly visible all over your community and even to out-of-town folks that may one day visit your area. Look for a good size and design, and watch these bags work their magic for your company.

Industrial Epoxy Floor Coating – Creating an Inviting Atmosphere at Your Place

Tired of seeing the same annoying and boring concrete over and over again? Cover it up with industrial epoxy floor coating, giving a unique charm to the old gray concrete lying in your garage, basement, home or office. Do you want to maintain life and protection for your floor as well as giving it a stylish showroom look? Create an inviting atmosphere with industrial epoxy floor coating to maintain a strong, clean, economical, stylish and durable concrete surface.

The basic idea of concrete floor epoxy coating is to provide flooring solutions for your entire flooring problems including wet and slippery surfaces and surfaces harmed by chemical spillage. Floor epoxy coating protects your floor from atmospheric pollution, corrosion and chemical exposure. They are designed to overcome every obstacle ranging from the toughest stains that are hard to remove and to endure the toughest environmental situations. These are the reasons that floor epoxy coatings are used in various places such as hospitals, garage, kennels, warehouses, factories, showrooms, office buildings, government facilities, schools and institutions demanding heavy-duty flooring needs.

Therefore, it is worth to invest in epoxy coatings to maintain the aesthetic Epoxy floor coating appeal of your industrial floor in the long run for up to 7 years. Epoxy concrete coatings also protect from ultra violet rays making it another reason to use rather than using other paints such as acrylic or polyurethane.

While shopping for epoxy concrete floor coatings, you must always look at the brand company supplying the high quality epoxies. These epoxies should match your needs and specifications, whether it’s having chemical, abrasion and impact resistant properties, easy to clean benefits, or remarkably strong installation with little time.

There are three different types of epoxies coatings. Solvent and water based 100% solids epoxies are the strongest and expensive toxic. Solvent-Based epoxies aren’t much strong reserved for industrial and comprised of 40-605 solids. Solvents that are water-based epoxies are not much durable but strong enough for residential purposes and is user-friendly ideal for nonprofessional.

The most important key to a long-lasting product is to work with experts that provide safety at a reasonable pricing. When you work with a professional company you can be guaranteed high quality industrial epoxy floor coatings, style and color. You are also increasing the lifespan of your floor as you protect it from scratches and damages.


The importance of an epoxy floor coating has long been realized. It will become the foundation for many places. It will make your dull and inactive concrete floor look elegant and damage free. Due to their benefits, they are extensively used on industrial and commercial floors. In earlier days, epoxies floor coatings were confined to merchandise stores, but with the advent of technology, they have become a trend for flooring needs in industries, hospitals, garages, warehouses, factories, showrooms, and government facilities brightening up the floors.

Microgaming Casino Bonuses and Exactly How They Work

Microgaming is probably the most highly regarded name inside the online casino industry. This company has been developing quality games for quite some time and always offers the best sounds and graphics to everyone. Additionally, these casinos are recognized to offer the best casino bonuses to be found.

The concept behind an online casino bonus is to attract brand new players by offering them an incentive to play a specific internet casino. The bonuses will also be built to reward participants which are returning and producing more funds in their own casino accounts.

Microgaming offers the majority of the bonuses. Participants who choose to try out these casinos will likely be rewarded. Every month, Microgaming casinos offer new incentives and incentives programs as part of the bonus program. These help keep existing players returning and it has been very effective at attracting new players. There are numerous rivals in the online casino business, therefore it is important for an web -based casino to provide bonuses which will keep players returning.

The majority of Microgaming casinos will offer you a great very first time deposit bonus. It is a match bonus and will generally be worth 100% of the deposit. If a player subscribes with a Microgaming casino and makes an initial deposit of $100, the casino will match แทงบอลออนไลน์ that amount and the player will have $200 inside their online account. After a player receiving their first time matching bonus, they will continue to be given a casino bonus once they make future deposits. While these other bonuses are gratifying, they will not be worth 100% such as the initial bonus.

These casinos also employ a refer-a-friend bonus program. Whenever a brand new player signs up to a Microgaming casino because they were introduced by a friend, that referring player will receive a casino bonus. The amount of this reward will be will change per site, but all these casinos will offer this kind of bonus. It really is one way to thank players for their loyalty to Microgaming.

Microgaming casinos provide customer loyalty clubs to players. This really is an additional kind of bonus. Players will generate points while they play in the casino and they can later cash in these types of points for cash along with other benefits. These web based casinos will even offer rewards to players who fund their accounts in certain ways. Several banking methods that are used will make the player eligible for an online casino bonus.

High-rollers will also benefit from numerous bonuses at Microgaming casinos. Those that play with a sizable bankroll must get in touch with customer support and inquire about obtaining high-roller bonus deals and rewards. There are some distinctive bonus opportunities that are available to these players.

MG casino bonuses are some of the very best in the industry. The organization believes in gratifying players for being loyal to the online casino. By offering some very nice bonuses, these sites can attract numerous brand-new players and keep present players depositing a lot more within their accounts. Many players will actually choose a web based casino purely for that casino bonus. This is the reason MG has committed so much time and effort into creating the best casino bonuses available.