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Monday, September 25, 2017

How to Manage Your Monkey: Guest Post: 3 Retirement Scenarios That Every Couple Needs To Be Ready For





The following is a guest post.  This post does not necessarily reflect the views of Suzanne and David E. McClendon, Sr. or Manian Debil Productions.


3 Retirement Scenarios That Every Couple
Needs To Be Ready For

The golden years look murky for many married couples who are still years away from retirement. Statistics show they haven’t planned well financially.


Almost half of married Americans – 46 percent ­– die nearly broke, according to a recent study by the National Bureau of Economic Research.  

Surveys by GoBankingRates showed 56 percent of Americans have put away less than $10,000 toward retirement, and that about 75 percent over age 40 are behind on saving for retirement.


The uncertainties that lie ahead in retirement – life span, health, market factors, unexpected expenses – make it important for married couples to have different income plans in place to cover various scenarios.


“Every married couple needs three retirement-income plans, but most don’t even have one,” says Jeff Dixson (www.nwfts.net), a financial educator and radio talk-show host on retirement-planning matters.


“Nine out of 10 people do not have a financial plan at all. They may have some investments, but that’s not a financial plan, especially for retirement.

They typically don’t understand how each investment works, what fees they’re paying, and the tax advantages and disadvantages.”


Dixson outlines three scenarios that married couples can experience in retirement and how they can get through it or plan ahead accordingly.



  • Plan A: What if you both live to be 100? One of the biggest fears people have in retirement is outliving their money. So, to do well if you both live well past normal life expectancy, it’s important to have money coming in from a solid combination of sources, Dixson says. For example, married couples may have two Social Security checks, one or two pension checks and then their investible assets. With that many income sources, they might be OK. Pensions, though, will be fewer in the future, Dixson cautions, so it’s vital for those without one to plan ahead regarding the other assets.



  • Plan B: What happens to her if he dies first? This will immediately impact the monthly cash flow, Dixson says. The wife would get to keep the higher of the two Social Security checks but not both. Planning beforehand regarding how the husband’s pension check is set up, and whether he had a survivor benefit for the spouse, has a big effect on monthly income.



  • Plan C: What happens to him if she dies first? It’s a similar scenario to Plan B, with less monthly income due to the loss of one Social Security check. Proactive planning in asset areas can help cover the gap. Dixson says the volatility of the stock market the past two decades means retirees can’t bank on the same withdrawal rates previous generations have used. This will affect the income stream a retiree can generate, ultimately making things that much more difficult for today’s retirees.




“There are a lot of pieces to the retirement puzzle,” Dixson says. “It simply makes sense to plan proactively for what could happen in the future instead of burying your head in the sand.”



Jeff Dixson
About Jeff Dixson
Jeff Dixson (www.nwfts.net) is known as “The Retirement Coach” and is the founder and president of Northwest Financial & Tax Solutions, Inc. A respected financial educator, Jeff hosts a weekly radio show that airs on seven stations and is author of Winning The Retirement Game.


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Please be advised that all the information in this course is provided to educate, enlighten, and broaden your views in life.  The information provided is not a substitute for medical, legal, dietary, financial/accounting, or religious professionals.  Always consult a professional before you act on any of the information you find in this course. 


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Fire Department Coffee Supports Mental Health Care through Rosecrance Florian Program

The following is a press release.  This post does not necessarily reflect the views of Suzanne and David E. McClendon, Sr. or Manian Debil Productions.


Fire Department Coffee Supports Mental Health Care through Rosecrance Florian Program
The veteran and firefighter founded coffee company is donating 20% of their sales to support the cause.


From September 15-30, Fire Department Coffee will donate 20% of all online sales to the Rosecrance Florian Program to support mental health care for service professionals.
The program provides uniformed service personnel--including firefighters, police, military, medical personnel, and chaplains--with the tools they need to confront and overcome the serious issues that arise from traumatic experiences on the job.

Fire Dept Coffee is the creator of the highest-octane yet easiest-drinking coffee on the market for the hardest working men and women in the nation. Since the launch of FDC, the roasting company’s mission to give back to their fellow service men and women has strengthened, and their bonds with service based charities have deepened. FDC is honored and extremely appreciative of all the support they have received over the last year to help raise funds for charitable organizations.
“Since the launch of Fire Department Coffee, we’ve donated a portion of our proceeds to support firefighter and military charities,” said FDC founder and US Navy veteran Luke Schneider. “We’ve decided to focus on the Rosecrance Florian Program because our service men and women are facing an unspoken epidemic. This program gives so many another chance at life.”

The Rosecrance Florian Program was developed by Dan DeGryse and Dr. Raymond Garcia. DeGryse is a battalion chief and emergency medical technician with 27 years of service in the Chicago Fire Department. He also has three decades of experience in the fields of addiction and mental health. Garcia is a psychologist and Addiction Specialist trained in treating uniformed service personnel.


The recovery program targets the complex issues that are unique to the culture of uniformed service personnel. It offers treatment for PTSD, substance abuse, anxiety, depression, and more in the format that’s right for the patient.
In addition to their promotion, Schneider and the Fire Department Coffee team will also be participating in the 2nd annual Rosecrance Florian Symposium on September 21-22 in Rosemont, Illinois.
To get involved, online shoppers can order regular or dark roast coffee in 1-pound bags, 6-pound bags or 12-packs of single-serve cups. Fire Department Coffee creates its made-to-order coffee at its roasting facility in Rockford, Illinois.
About Fire Department Coffee
Luke Schneider launched Fire Dept. Coffee in July of 2016 with the mission to bring the easiest drinking coffee to the nation's hardest working men and women. Luke is a Navy Veteran and firefighter paramedic near Chicago.

For samples or additional information, please visit www.firedeptcoffee.com.

FDC Social Media Links and Tags:


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I respond to all approved comments on this blog, ideally within 24 hours.  Please check back here for a response to your comment.  Thank you!


Please be advised that all the information in this course is provided to educate, enlighten, and broaden your views in life.  The information provided is not a substitute for medical, legal, dietary, financial/accounting, or religious professionals.   Always consult a professional before you act on any of the information you find in this course. 


Do you have a frugal recipe?  Please e-mail it to me.

Help us reach 1,000 YouTube subscribers. Please watch some of our videos. If you like them, please subscribe. Also, please share our YouTube information with your friends.  We thank you so much for all your help. 


Disclaimer: The opinions or advice listed in this blog or website should be used as a place to start only. It is not a substitute for the use of a professional.

 Please be sure to consult your attorney, accountant, and/or other professionals with any specific questions. There is no one right answer to any business question that will cover all circumstances.


Notice: This post may  contain affiliate links. If you click a link and make a purchase, we may financially benefit from your transaction. Thank you for your support!

2017 September's Where I Come From Challenge Day 25

This challenge is based on Kenny Chesney's song "Back Where I Come From".  Suzanne over at PS-Annie! and McClendon villa has included home-and hometown-related questions to round out our 30 days of posts.


Come on and join in.  It will be a blast.
Today’s question is:


25.     What is your hometown known for? In other words, what makes it special?


Each year we have a fine harvest of rednecks.  Really I don’t know that it is known for much of anything.  Back when I lived there, we had a camaraderie that was great. The people were always there for one another.

Each year we had a Christmas parade  The Crescent High School Marching Tiger Band was the host band.  That was a lot of fun.  

An great organization known as RevIva hosted an Oktoberfest every year.  It was always fun, too.  


The town is also part of Tree City USA.

If you would like for me to pray for you, please drop me an e-mail by clicking prayer.


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Other posts you will love:





I respond to all approved comments on this blog, ideally within 24 hours.  Please check back here for a response to your comment.  Thank you!

Please be advised that all the information in this course is provided to educate, enlighten, and broaden your views in life.  The information provided is not a substitute for medical, legal, dietary, financial/accounting, or religious professionals.   Always consult a professional before you act on any of the information you find in this course. 


Do you have a frugal recipe?  Please e-mail it to me.

Help us reach 1,000 YouTube subscribers. Please watch some of our videos. If you like them, please subscribe. Also, please share our YouTube information with your friends.  We thank you so much for all your help. 

Disclaimer: The opinions or advice listed in this blog or website should be used as a place to start only. It is not a substitute for the use of a professional.

 Please be sure to consult your attorney, accountant, and/or other professionals with any specific questions. There is no one right answer to any business question that will cover all circumstances.
Notice: This post contains affiliate links. If you click a link and make a purchase, we may financially benefit from your transaction. Thank you for your support!

Sunday, September 24, 2017

Book Review: This Phenomenal Life: The Amazing Ways We Are Connected With Our Universe by Misha Maynerick Blaise:





You may believe, as we do, in creation.  This does not mean that the Big Bang Theory is not still possible.  The two can exist side by side. We do not know how Heavenly Father went about creating this world. We just know that He did.  



This Phenomenal Life: The Amazing Ways We Are Connected With Our Universe by Misha Maynerick Blaise does not take on that debate.  Instead, it presents loads of information regarding our lives, science, and the similarities and differences in all kinds of life.

This book is very colorfully illustrated.  The author draws on a great deal of research to deliver loads of information to her readers.

We found the information presented to be very well-written and very interesting.  Although we cannot agree with absolutely everything that is presented, we can tell you that This Phenomenal Life is a very interesting and perhaps eye-opening read, too.

We give This Phenomenal Life all five stars.  We think that this book can make a very interesting book for parents and children to read together and discuss.

Five Star Review


We believe reading this book will give parents an ideal forum to open up a dialog with their children to discuss their beliefs.  


We were sent a complimentary copy of this book.  We are under no obligation to write any review, positive or negative.

We are disclosing this in accordance with the Federal Trade Commission's 16 CFR, Part 255.
If you would like for me to pray for you, please drop me an e-mail by clicking prayer.



Please Visit My Child Bride Suzanne's Blog



I respond to all approved comments on this blog, ideally within 24 hours.  Please check back here for a response to your comment.  Thank you!


Please be advised that all the information in this course is provided to educate, enlighten, and broaden your views in life.  The information provided is not a substitute for medical, legal, dietary, financial/accounting, or religious professionals.   Always consult a professional before you act on any of the information you find in this course. 


Do you have a frugal recipe?  Please e-mail it to me.

Help us reach 1,000 YouTube subscribers. Please watch some of our videos. If you like them, please subscribe. Also, please share our YouTube information with your friends.  We thank you so much for all your help. 


Disclaimer: The opinions or advice listed in this blog or website should be used as a place to start only. It is not a substitute for the use of a professional.

 Please be sure to consult your attorney, accountant, and/or other professionals with any specific questions. There is no one right answer to any business question that will cover all circumstances.


Notice: This post may  contain affiliate links. If you click a link and make a purchase, we may financially benefit from your transaction. Thank you for your support!