I use technology to provide personalized financial planning

Katie Brewer is a certified financial planner. She started Your Richest Life because she believes that young professionals should have access to a financial coach. Below is our interview with Katie.

Katie, what are the planning services you provide?

I provide comprehensive financial planning services. This is the part where we get into all the details of your financial life. Typical stuff like your employee benefits, educational goals for your children, and estate planning. We also talk about the fun stuff, like your desire to collect vintage Vespas, buy a beach house, or climb all the fourteeners in Colorado, and how I can help you accomplish these goals.

I also help clients with project based services. For example, if someone just left a company and doesn’t know what to do with the pension options that are available, I can help with issues like that. In some other cases, I help review your 401(k) investments and contributions.

It is interesting to see that many of my clients are surprised about how intertwined some of the financial issues are. One area impacts other areas. For example, I might be looking into tax savings for a client but we quickly find that retirement contributions and a student loan payment strategy can have a significant impact on tax savings. This is where I can help with a very holistic planning approach.

What is the experience your clients can expect when working with you?

One of my goals is to provide a planning process that is as easy as possible for my clients. My planning process starts with a complimentary call. It is very easy to book a call using the online scheduling system. As part of the booking process, the client will also complete a high-level questionnaire. On the complimentary call, we discuss what they are looking for in terms of guidance and what they are looking for in terms of working with a financial planner. Once the client decides to move forward, we do the initial call where I will go over my client’s needs, goals and questions they are trying to solve. After I have gathered all the information and completed my analysis and recommendation, I send the financial analysis and recommendations to my client and I meet with my clients again to review the plan I created. I meet most of my clients virtually.

What are the technologies you use in your planning process?

I usually start the planning process with an initial round of data gathering. The technology solution I use to send and share information with clients is the secure portal via box.com. As there is a lot of confidential information my clients have, I do not use email due to lack of security.

I also use technology to schedule a time to meet virtually. There are a few service providers you can use to schedule meetings, but I use ScheduleOnce. Clients can easily book meetings with me via my website and clients will also receive reminders before the meeting.

Screen sharing is a very important technology for my practice. I work with many clients virtually and the ability to share screens has become critical throughout the planning process. I have used join.me, Zoom, Google Hangouts or Skype. I also offer to use video conferencing with clients if they prefer. Many clients have indicated their preference of using screen sharing and a phone call instead of video conferencing.

I also use Quickbooks to do online invoices. It is very easy to send clients an email with my deliverables, links for various resources as well and a link to payment, all in one email.

What technology solutions do you wish you have?

I wish that there was a technology solution that could help engage clients to sign a contract before the planning meeting. After the initial complimentary call, I send questionnaires to gather information. I usually send the contract before our meeting to discuss the plan and my proposal. Ideally, I’d like the client to review and sign the contract before our meeting. Often times, my email with the contract gets buried in the client’s inbox and it can take some time to have the client review and sign the contract at the beginning of the meeting. It would be really awesome if there were technology solutions that could help me engage and remind the client to review and sign the contract before the meeting.

What is the best way for someone to reach you if they are interested in working with you?

They can visit my website at yrlplanning.com. It is very easy to book a 30 minute free initial call with me via the schedule system on my website. Alternatively, I can be reached at katie@yrlplanning.com.

Quit crying and bellyaching!

*This is a personal post yet directed towards people of color.
 I'm a tri breed, Blackfoot Indian, Irish and Black. I don't attempt to improve any specific race's condition.

 This blog is free and goes out to every race, every religion, every belief and every country it's allowed in.

 I am not going to find myself in preference to any subdivision for any reason. If you have a problem with anything or anyone, educate yourself to the best means and practices for a pleasant resolution.
Approach the proper authority, learn the defining principles of your conflict, search the legal, ethical, civil, etc. defining entity to best resolve your conflict.

 This whole Black, White, Hispanic thing is being greatly exploited and the "powers that be" love it. As long as we continue to segregate ourselves all is lost.

 I don't have friends that are automatic because of a color or belief, each individual brings their own specifics to the table.
 Nor do I have people who impede my path. I'll go around you if allowed or go straight through if need be. I leave that choice to each individual.

"I'm no one's champion".

EVERY FAST FOOD CHAIN—RANKED BY ANTIBIOTICS

Papa John’s is living up to their motto of “Better Ingredients. Better Pizza.”

The chain is the latest to ditch chicken that has been raised with human andanimal antibiotics. As the first national pizza chain to do so, Papa John’s will oversee that its poultry is antibiotic-free, as well as fed a 100% vegetarian diet, by summer 2016. Currently, the chicken used in their grilled pizza toppings and in their chicken poppers are given antibiotics to accelerate growth as well as to cure sick animals, a more common incidence when raising poultry in sizeable flocks.

Following the ranks of restaurants like Chipotle and McDonalds, companies like Papa John’s are acting in response to the rise in consumer demand for antibiotic-free meat.

A recent survey conducted by a group of public health and environmental organizations found that almost all of America's chain restaurants use beef, chicken and pork that's been routinely treated with antibiotics. And advocates say the continual use of these drugs helps create bacteria that's immune to standard antibiotics. The potential result: The next time you get really sick, there may no longer be a drug that can make you healthy.

While agriculture conglomerates claim that routine antibiotics help maintain the health of animals—and the CDC says “antibiotics should be used in food-producing animals only under veterinary oversight and only to address animal health needs, not to promote growth”—many advocates refute that position. Sick cows, for example, are removed from the food chain, per the USDA. And in fact, antibiotics actually help the animals grow faster, packing on pounds so they're ready for market sooner.
Fortunately, some restaurants, like Papa John's, have already taken a leadership position against this potentially harmful farming method. Where does your favorite restaurant stand? Read on for the report’s grades (you’ll be shocked at which chains get an F)—accompanied by essential Eat This, Not That! advice about how to make the healthiest choice when it comes to calories, fat and sodium. And to see the shocking results of our most popular fast food story, don’t miss our essential, eye-opening report: Every Menu Item at McDonald’s—Ranked!

1CHIPOTLE 

Must Visit & Book Mark

http://www.eatthis.com/best-worst-fast-food-chains-using-antibiotics

Do you have a Health concern?

*There are so many warnings against self diagnosis it's overwhelming yet let me share something with you.

 Go down to central America or Asia and you will see individuals that have never seen a doctor in their life. They were born on the kitchen table, an elder told the younger offspring what tea, what root, what herb to ingest or how to mix the concoction of a variation of natural substances.

 Do you actually think your heavy lobbying pharmaceutical companies are going to ever say, "You really don't need these meds, drink more water, stop eating salt and for gosh sake, put down the fast and fried foods"?

  If you were born in America, you've been lied to your whole damn life. If you don't get that, perhaps this blog isn't for you?

http://www.yourdiagnosis.com/

12 Ways to Take Back Control of Your Life This Year

1. Don’t maintain relationships “just because.”

Happy people do not give their time and energy to others out of proximity or convenience. Don’t be friends with people just because you go to school with them, or just because they’re family, or just because you work together. Curate your relationships and be mindful of whom you engage with — it will not only comprise how you spend your days, but ultimately, it will influence the person you become.

2. Break ties with people who only see your emotions as valid when they agree with them.
Relationships that thrive tend to have a common foundation: the people involved emotionally validate one another. This does not mean that they always agree with one another, or respond identically in similar situations — only that they can acknowledge another person’s feelings as real, whether or not they understand them.

3. Train your brain to focus the way you would train your body to perform.
You cannot be surprised if half of your workday is eaten away by mindless distraction, or if being present seems impossible, or if any single passing thought has the power to collapse your entire afternoon, or if you’re constantly at the whim of gratifying your immediate desires, if you haven’t trained your brain the way you do any of your muscles. The ability to choose your thoughts and focus on what matters is an art form, one that requires a great deal of practice and skill.

4. Speak simply, but with precision.
The mark of intelligence is not nuanced understanding, but how simply you can communicate a nuanced understanding. When it comes to speaking simply and precisely, it’s about saying what you want to say without ending up in an argument that’s totally irrelevant to the point. It means being able to articulate yourself in a way that creates conversation rather than invoking defensiveness because of tone or poor word choice.

5. Teach people how to treat you by telling them how to treat you.
While it’s true that you teach people how to treat you by treating yourself the right way, it’s a fallible concept. Don’t assume that every time someone treats you poorly, it’s because you aren’t treating yourself well enough. It’s another way to say, “I don’t deserve respect.”

6. Stop thinking of experiences or outcomes as either “bad” or “good.”
Don’t think of your life as stepping forward or stepping back; imagine each thing as yet another way to step inward. Don’t think of your life as a scale of “good” vs. “bad,” and the sheer quantity will win out; think of the dimensions in everything you experience. You’ll find that “bad things” are signals, “good things” are directions, and one cannot function without the other.

7. Build a routine by prioritizing what you personally want to accomplish, not what you feel most obligated to do. 
Give your most clear mind and undivided energy to what you feel drawn to, not what you’re driven to.

8. Withdraw from the pageant.
F#@k “stylish.” F@#k “beautiful.” If you didn’t sign up for a pageant, don’t participate in one.

9. Be responsive, not reactive. 
Responsiveness is the key to taking control of your life. It means you are able to adapt to whatever circumstances arise. But this only works if you are responsive, not reactive. When you are responsive, you are adapting to your own needs. When you are reactive, you are adapting to someone else’s.

Say Susie loses her job. Susie loved her work but didn’t realize it was because she knew other people would be impressed by it. When Susie loses her job, she’s devastated because she lost the supplementary confidence she was receiving from others. Because she lacks that confidence, she doesn’t conduct her job search in earnest. What would have otherwise been a simple change of career trajectory becomes a crisis, all because Susie was reacting to others before she was responding to herself.

10. Stop avoiding your credit card statement.
Look at what you spend and look at it often. Take yourself to the dentist. Know how much money you owe in loans and what other people in your field are earning and what’s going on in the news. Stop spending money on frivolous things and invest in what will actually improve your life. A $5 latte will not change the quality of your existence. A good pair of shoes might.

11. Remember that nothing can take your time away unless you give it. 
Stop complaining that work is draining and your relationship is “hard” and everything is stressing you out. You are giving each of these things your time, energy and attention. Nobody can take anything from you without your consent. Acting as though they can only disables you further.

12. Close your eyes and imagine what your most fully realized self is like. What does this person need, and what does this person want? 
It’s never about “getting what you want”; it’s about realizing what it is you actually want. Those things are already yours — it’s only a matter of seeing them through. Everything else is a game you play trying to figure out what really matters. Everything else is what redirects you back to those things. There is nothing in your control but your self-realization. Luckily, that’s all you need anyway.

This post originally appeared on Soul Anatomy. For more like this, follow on Facebook and Twitter.

ALSO ON HUFFPOST:

Leaked Bilderberg Speech Details

The Bilderberg Group and its annual meetings are surrounded by controversy and conspiracy theories as over 100 of the world’s politicians and elite individuals flock to the conference in the Netherlands. 

But with the event remaining strictly classified, speculation of an Illuminati agenda and plots of mass depopulation may be confirmed by the shocking details in an alleged leaked closing speech from this year's meeting.

Disclose TV reports that a top secret exclusive leaked account, originally published by Le Contrarien Matin but translated from French, reveals the transcript of the highly classified closing remarks by the chairman at the 2014's lucrative elite ceremony.

The news comes as several journalists have attempted to peel away the layers and get an inside scoop on what happens behind closed doors at the conference, however being faced with a reporting ban by the powerful individuals.

Conspiracy theorists speculate that the annual meeting is to address Illuminati agendas and decide the fate of humanity. One of the most daunting theories of the mass depopulation of humanity, and the closing speech shockingly appears to call upon this agenda.

It reads, “We all have an acute consciousness of the fact that the planet and our environment cannot obviously support the eternal life of tens of billions of human beings who would consume in the same way as today”.

“The initial objective is the massive depopulation in protecting at best the environment, which is tantamount to exclude from the fields of our possible use of any nuclear weapons which would be tantamount to inflicting some irreparable damage to our so small planet”.

“The use of these three tools should allow us to eventually reduce the world population by seven to ten billion inhabitants”.

Many have speculated that the current Ebola outbreak, which has killed over 5,000 in West Africa and is feared to become a pandemic threat, was one of the tools to carry out this agenda.

Dr. Eric Pianka has warned that the airborne virus would be the best tool for mass genocide, and there is the recurring theory that the current strain has been man-made in American biochemical labs by the military. Dr. Leonard Horowitz warned of this in his 1997 book ‘Emerging Viruses: AIDS and Ebola: Nature, Accident or Intentional?’, detailing “the existence of an American military-medical-industry that conducts biological weapons tests under the guise of administering vaccinations to control diseases and improve the health of ‘black Africans overseas’”.

*Apologies but this thing is hyperlinked to death.

Read more at: http://www.neonnettle.com/news/1307-leaked-bilderberg-speech-details-illuminati-depopulation-agenda
© Neon Nettle

You haven't seen anything until you sit with these clowns

From: Referrals@americanmensa.org <Referrals@americanmensa.org>
Sent: Monday, July 3, 2017  5:30 AM
To: itinstaller@msn.com
Subject: Mensa Notices: Think you're Mensa Material? (100314807)

 

Think you're Mensa material? Someone you know does; they asked us to send you information about the organization. 

Simply put, Mensa offers smart people a place to connect - to share their thoughts, ideas and humor with people who "get" them. American Mensa has more than 50,000 members ranging in age from 4 to 102 who get together to socialize, explore their interests, and help out in their communities. Each new member of Mensa adds something new and special to the organization. 

So what is Mensa material? We have only one qualification for membership: a score in the top 2 percent on an accepted, standardized intelligence test. To qualify, you can either take the Mensa Admission Test or you can submit scores from a test you've already taken - and we accept about 200 different ones. A partial list is posted atwww.us.mensa.org/joinmensa.  There is a onetime, nonrefundable fee of $40 for us to review your test scores.


If you’d rather take the Mensa Admission Test, you must be at least 14 years old, and the test fee is $40.  You'll find contact information below for a volunteer Mensan who handles testing for your area.

If you're already a member, take this referral as the compliment that it is. If you're a past member, we certainly hope you'll consider rejoining today!

Best regards,
American Mensa Testing and Admissions
www.us.mensa.org




Local Group:  Space Coast Area Mensa  (Group Number: 329)
Web site:  www.scam.us.mensa.org

Contact:  Henry V Rhodes 
mensatest@cfl.rr.com
(321) 799-1219

The testing and admissions program is conducted under the 
supervision of Dr. G. Frank Lawlis, Supervisory Psychologist, 
American Mensa, Ltd.

_____________________________________________________________
If you do not wish to receive future notices via email, you 
may opt out by visiting http://www.us.mensa.org/optout/optout.php

American Mensa, Ltd., 1229 Corporate Dr W, Arlington, TX 76006

10 Things The Government Doesn't Want You To Know

Below are some simple truths that governments around the World often don't tell us. To see the sources for each fact, click on the corresponding photos.

1. Approximately 56 BILLION animals are killed EVERY YEAR.

 2. Animal agriculture is the leading cause of SPECIES EXTINCTION.

3. Animal agriculture is responsible for more greenhouse gas emissions than the entire transportation industry COMBINED.

4. WorldWatch Institute estimated animal agriculture to be responsible for 51% of ALL greenhouse gas emissions.

5. Animal agriculture is responsible for 91% of AMAZON DEFORESTATION.

You're halfway there > https://www.plantbasednews.org/post/10-things-the-government-doesnt-want-you-to-know

Doug Casey Explains Why College Is A Waste of Money

Via Casey Research,

I recently sat down again with Casey Research founder Doug Casey to discuss a troubling trend: the fast-rising cost of a college education. Read our conversation below to see why Doug says relying on - and paying for - today's educational paradigm "makes as much sense as entering a Model T Ford in the 24 Hours of Le Mans"…

Justin: Doug, I recently had an interesting conversation with my sister.

She told me that her financial advisor suggested she start setting aside $500 to $1,000 a month to pay for her son’s college education. That’s because a four-year college education is apparently going to cost between $400,000 and $500,000 18 years from now.

Her advisor clearly arrived at this figure based on how fast college tuition costs have been rising, which is about 6% per year based on my research.

But you have to wonder if the cost can keep rising at this rate. It seems to me that no one will go to college if it’s going to cost a half-million bucks.

What do you make of this trend?

Doug: Well, the first thing—my advice to your sister is to get a new financial advisor. I fear that she’s relying on a complete imbecile. She should fire him immediately, and for a number of reasons.

Number one is his assumption that the trend of higher college costs is going to continue to a totally unaffordable level. In fact, the cost/benefit ratio of going to college is already so out of whack that the whole system has to change radically. A college degree, even now, is of only marginal value; most everybody has one. And things that everybody has are devalued. You’re quite correct that colleges and universities today are dead ducks as businesses. Unless you’re going to learn a trade, like doctoring or lawyering, or you’re going for science, engineering, or math, where you need the formal discipline and where you need lab courses, it’s a total misallocation, even a waste of money to go to college today.

So I applaud the fact that all these colleges and universities are dead men walking, that they’re all going to go bankrupt. They are totally overrun and infested with cultural Marxists and progressives, militant leftists that are propagandizing kids with absolutely the wrong kind of values. It’s astonishing that parents are willing to pay even today’s prices to subject their kids to four years of indoctrination. So I’m glad that they’re all going bankrupt.

Justin: But don’t you need a college education to get ahead in life?

Doug: It’s not necessary to go to college. You’re likely to be corrupted, and indebt yourself like an indentured servant for many years to come. The question is: Do you want an education, or do you just want a piece of paper that says you logged the time in a classroom? These are two different things. Getting an education is strictly a matter of motivation and self-discipline, not paying money to sit in a classroom. If you’ve got half a brain, you realize that you want the knowledge, not the diploma, and there’s no necessary correlation between them. Nobody can “give” you an education; it’s something you must gain for yourself.

Most top universities now have their courses online. You can get an education by listening to these courses. And even when you’re driving your car, you should be playing CDs by The Teaching Company. They have the best professors in the world giving command performance lectures. And you can hear them an unlimited number of times. This is much better than listening to some also-ran drone on, while you may have cut the class, or be half asleep, or not taking good notes.

Technology has changed the whole landscape of education. Its cost is approaching zero, not the stratosphere, as your sister’s advisor seems to think. If the kids insist on going to college and indenturing themselves, as well as cluttering their minds with irrelevancies and false data, then they should only consider, say, Harvard, or very few schools like it. At least there the prestige, and qualifications for admission, are so high that the connections they make may compensate for the many downsides.

And anyway, Ray Kurzweil’s right about the Singularity, in my opinion. And he’s upped the date to when it’s going to occur to 2029, which is only 12 years from now, at which point the whole world will have changed in ways that will change the nature of life itself. So forget about saving to send your kids to college; and that goes double for your grandkids.

Justin: I thought the same thing, Doug.

You see, my sister’s advisor suggested that she and her husband set up a 529 plan, which is basically a tax-friendly way to save money for college. I asked her what would happen to the money if her son didn’t go to college. She said she could use the money to pay her for grandchildren’s college education.

But, like you said, the world is going to be very different 12 years from now. Who knows what it’s going to look like 40 or 50 years from now?

Doug: Over the next generation the world is going to change totally and unrecognizably from the way it is right now. Technological change is compounding at an exponential rate. It’s always been exponential, quite frankly. Ever since the invention of fire. But we’re now in its later stages; it’s like a Saturn rocket taking off, very slowly at first, but constantly accelerating.

It’s going to be fascinating and fantastic to watch what happens over the next 20 years. And relying on, and paying for, today’s educational paradigm makes as much sense as entering a Model T Ford in the 24 Hours of Le Mans.

Justin: I agree 100%. We’re living in very exciting times.

Anyway, thank you for taking the time to speak with me, Doug. It was a pleasure, as always.

Doug: You’re welcome.

*  *  *

Every month, Doug shares his unique insights in The Casey Report, our flagship publication. If you sign up today, you’ll get complete access to all of our archived content, including recent essays by Doug on the Greater Depression, the migrant crisis, and technology. You’ll also receive specific, actionable advice to help you protect and grow your personal financial empire. You can sign up for a risk-free trial of The Casey Report right here.

Original > http://tinyurl.com/kcvmnpa

I will reward anyone that can assist me with getting rid of my property

*I'm not fond by any means of living in the states and my family is attempting to hang this condo around my neck. I've lived in 9 or 10 countries and I apologize but the states barely slides in at #10.
I don't ask for favors, I pay for tasks performed. I have over 30,000 visitors, someone must want a condo where as the backyard is on a river and 1 block across the street is the Atlantic ocean.

*If it's in a picture, it's yours. Just that simple.

View full details > http://tinyurl.com/y9yv6835