Americans are living longer than ever and as a result, Myles Haverluck says financial planning for 65 and over has become inevitable. But how do you diversity a nestegg into a monthly flow of income that will continue throughout your lifetime? Tax and Finance guru, Myles Haverluck says this issue has gained new urgency. It’s nothing like your mom and dad’s retirement, when everyone lived off of Social Security benefits and collected a pension.


What Should You Be Looking At?

• Fixed income annuities. Here’s an attractive blend of earnings plus security, and there are few equivalent products. Envision an asset that provides you with a guarantee to receive your investment back with interest. That’s how annuities work.

• Longevity insurance for the aging. There’s an investment fund called longevity insurance that doesn’t start to pay out until the age of 85. The strategy behind this investment is to have enough retirement income in case you outlive your other investments. Say you invest $50,000 at age 65 into the longevity investment fund. The payoff doesn’t kick in until age 85.

• Reverse mortgages. This type of mortgage is a loan against the equity in your home. Of course, like many other loans, it may not be the right investment for every retired person, however, a reverse mortgage can offer you a constant flow of cash, minus the fear of facing foreclosure. Since the loan is controlled, you aren’t required to repay it until you leave the home.

• Buy long-term care insurance. You’ve had a lifetime to create a nice nest egg, but should you be frightened about the possibility of this money quickly evaporating because of the barrage of nursing home fees. Experts predict baby boomers hitting that age over 65+ will need long-term care services yet less than 23 percent of that group own a policy.

Myles Haverluck points out that at times sensible retirement planning can seem overwhelming. However, following a few basic guidelines to ensure a happy life is relatively easy to implement.

ID Theft

ID TheftIn this day and age, the one thing people may want to do is protect their identity with extreme measures. Identity theft is rising each year, including the ways your identity can be stolen. There are six different forms of identity theft that affects not just adults, but children as well. Thankfully, there are numerous laws and agencies that protect your identity, whether it’s virtual or actuality.


What are the laws that protect your identity?


The Identity Theft and Deterrence Act says that, federally, the possession of any form of identification, either than your own, with intentions to pass along, sell, or use without lawful authority can result into a prison sentence that can reach up to 30 years along with hefty fines. If caught by state or local law enforcement, you deal with the penalties and fines that they have in place.


How can people steal your identity?


There’s many ways to steal a person’s identity. In an era where social media is the center of almost everything known to man, it’s as easy as taking a picture that you may have placed on the Internet being taken and used for other intentions without your knowledge. Not properly destroying confidential information before discarding it. Call center agents taking your information and distributing it against company policies. Lost cellphones or any other sort of technology that your personal information may have been logged into. There’s hundreds of ways now for a person to steal an identity, which is why taking the right precautions to protect it.


Ways to protect yourself


Do not release personal information over the phone, fax, or social media outlets. Choose passwords that seem unbreakable and memorable, possibly even having a different password for each of outlet that you use.  Use only secure websites when using them for financial purposes. Monitor the things you place on the web, including pictures and mere information—phone numbers and email addresses.


Identity theft reaches newer heights each year, see more info about the gas plant explosion in texas. Now becoming one of the biggest well-known international crimes. Children and, even, dead people are among the many that have been exploited by identity thieves. Be careful with who handles your personal information, including yourself. Use the identity protection services that are available when offered. It may sound expensive then, but it helps to protect you from an even greater loss in the long run.

marijuana americaThe legalization of marijuana in America is, surprisingly, one of the biggest topics researched and talked about on a daily basis. Years ago, about twenty states passed laws allowing marijuana to be used but for medical purposes only. Recently, Colorado and Washington legalized the sale and possession of marijuana for non-medicinal purposes. Causing both states to get major publicity and coverage than normal by both the press and regular civilians. Businesses are prospering and both states have become somewhat a tourist attraction.


What should tourist know before visiting?


Everything! Yes, marijuana is legal. Yes, nonresidents of both states can legally purchase up to a quarter of an ounce of marijuana but there are still laws that prohibit you from just lighting up anywhere after making your purchase. First and foremost, like alcohol, you have to be 21 years of age to purchase or possess marijuana. Marijuana can only be purchased from licensed retailers approved by either state’s department of revenue. Marijuana cannot be used in public, only on private property—if the owner allows it. Marijuana cannot be brought and taken out of state. It’s actually banned at airports and other transportation stations. Not to mention, there’s an additional 10 percent sales tax included to the state’s set sale tax. Do not abuse marijuana. Use marijuana wisely and in a controlled environment. Also, like alcohol, do not use it while driving. DUIs apply to the use of marijuana while driving.



How has marijuana legalization helped?


Marijuana will easily surpass Colorado’s annual alcohol sales taxes of $40 million. It’s already generated millions of tax revenue, and the year is not even halfway through. Warehouses have been created, offering more jobs to their residents. Dozens of other marijuana-related businesses have been created and are hitting the ground running to the point where other states are starting to take notice.


Are other states thinking about legalizing marijuana?


Not just yet, many states are taking baby steps in that direction though. Few have already begun the process to try to legalize medicinal marijuana for those who need it. Alaska may have a chance to be the next to legalize recreational marijuana after petitioning and gathering more than 45,000 supporting signatures. Which can be pushed for a vote in August. Other than that, Colorado and Washington are the only current states where you can successfully purchases and possess marijuana.

same-sex marriageThe LGBT community has had its hardships when it comes to equality and laws, but life lately has started to smooth out. Seventeen states in total now have legalized same-sex marriages and unions. Appeasing millions of same-sex couples around the nation with the notion that change can happen and will continue to happen. But with the legalization of same-sex marriage means a lot of changes to many laws and regulations that were prohibited to them in the past—over one thousand federal laws.



What changes you ask?


Same-sex couples will now have the opportunity to prosper from certain rights, protections and benefits that marital status is a factor in. Benefits such as social security, tax, military, retirement and federal benefits that were not available to them prior will now be available for each spouse.  Another huge change, is in regards to immigration benefits—where a non-U.S citizen can apply for a legal residence and, eventually, citizenship. Also, same-sex couples will have the right to invoke marital privileges in federal criminal or civil cases. Another


How does this affect people?


It doesn’t affect anyone other than those within the LGBT community. This is actually a huge plus for the LGBT community in a time where difference and equality matters most. Of course, numerous religions and political figures believe otherwise but that’s based mostly on opinion not facts.


Are more states going to legalize gay marriage?


Yes, expect another nine states to possibly legalize gay marriage by 2016. Not too many states ever like to be left out of a humungous change especially one as great a topic as same-sex marriage. It’ll take sometime but it will happen. As the old adage goes, “Rome wasn’t built in one day.”


How can you help?


There are numerous LGBT groups and organizations that are in literally every city now in America. You can find one that you feel fits your standards, shares your ideology and possibly delivers the same message that appeases you into the world. Other ways of helping, is creating blogs or groups where people can join up and help create a trend of change and equality within America, and maybe even outside of America. Sounds complicated, and it probably is, but it’s a start. Many will probably oppose your stance and views but as long as you have numbers and your message is sound, you can withstand anything.


In the beginning of 2014, a new era began in the world of tanning & Winnipeg IT consulting. Five different states have banned the use of tanning beds for all minors under the age of eighteen because too many were doing it far too often and ended up looking like an old, leather rifle sling or Levy’s guitar bag, while another thirty-three states have regulated numerous rules on such usage. In some places you need a doctor’s note to tan, or in others you need a parent present. Different cities and states all have their own set of laws on the matter, each differentiating from the other.


The somewhat pioneers of the ban being Howard County of Maryland in 2009, due to the astonishing rise of skin cancer in women from ages 18 to 34—up fifty percent from 1984, among other reasons. Studied and proposed by the county’s health officer, Dr. Peter L. Beilenson.


Why have these bans been put in place?


Fairly simple, research has shown that overexposure of ultraviolet violet light during childhood and adolescence increases the chances of cancer later on in life. Last year, there were over 76,000 new cases of melanoma in the U.S alone and over 9,000 deaths because of the disease. Studies showing that tanning at such an early stage in life may play a possible pivotal role in the rise of the disease. To help decrease those numbers, health officials and lawmakers had decided to put in place a law that increases the chances of a longer, healthier lifestyle.


When did tanning get so popular?


Tanning has been around for generations, taking over the assumption in the earlier 1900’s that pale skin meant wealth. Just recently more and more people have begun frequenting tanning salons to get that quicker radiant glow, including the youth. Cutting out the laying in the sun for possibly hours to get the same tan they can have in mere minutes. Not realizing the horribly possible outcome.


How have these bans affected businesses?


FlowerBusinesses that don’t use airbrush tanning systems are starting to see the decline in their business, especially during the upcoming prom and graduation season. Some still feel that an appeal can change the way lawmakers view tanning. Continuing the argument of tanning producing more Vitamin D, which helps prevent many cancers. Many others have just stopped fighting, moved on, and tried to adjust to the new laws by finding other ways to better help their business’ somewhat financial blow.

Each year there are thousands upon thousands of new laws proposed and passed that sneak their way into the lives of Americans. For example, an immigration attorney can look at laws are put in place to protect rights, freedoms, and certain benefits. Many laws that are agreed upon, others that aren’t agreed upon, and some that are just head scratchers like mismatching horizontal blinds, or window blinds,  in an office.


Surprising laws that many would agree with


In Maine, it’s illegal to have up Christmas decorations after January 14th. Now, this law is definitely not enforced but it should be. It should also be enforced in all fifty states and other U.S territories.


In Florida, it’s illegal to pass gas after 6pm on Sundays. Another arguably agreeable law that makes one wonder who would draft such a thing but, at the end of the day, heat mixed with odor is a lethal combination.


In Kentucky, every citizen is required to shower at least once a year. A clear sign that some states are very serious with their stance on the importance of personal hygiene.


Surprising laws that many wouldn’t agree with


In New York, jumping off the roof of a building is a crime punishable by death. Clearly, when this law was created, the lawmakers didn’t realize the repercussions of jumping off a roof.


In Tennessee, it’s illegal for women to call men for dates. Good to know that Tennessee is not only known for having some of the best barbecue but, also, the best cat ladies.


In Oklahoma, you can get arrested for making disturbing faces at a dog. Look at another person strangely as much as you want, but look at their dog wrong and you’re going down.


Laws that make you go, “Huh?”


In New Jersey, it is illegal to wear a bulletproof vest while committing murder. It’s obvious that New Jersey would like the victim to have a chance at surviving the possible attempt, so it wouldn’t be fair for the suspect to have armor of any kind.


In Illinois, it is illegal to enter the state before contacting the police. A state that just wants to welcome people the right way, and offer the grand tour.


And last, but certainly not least, in Michigan, anyone over the age 12 may own a handgun as long as they have no felonies. This is a smart, concise way of giving kids positive incentives if they live a straight-laced lifestyle.