Tuesday, March 20, 2018

Thrifty Thinking: Toilet Flappers

In a new report today, the United Nations is projecting that 5 billion people could suffer water shortages by 2050 due to climate change, increased demand and polluted supplies. The report coincides with World Water Day and EPA’s Fix a Leak Week taking place this week.

To help save valuable water and money all year long, intelligent-water industry leader Phyn conducted a national study. Key takeaways include:

·       10% of homes had leaks resulting from a faulty toilet flapper
·       Toilet flapper leaks waste 1,200 gallons of water per day, which is 4x the amount the average American family uses daily
·       This can add up to 36,000 gallons of water wasted every month

With rising water costs, a leaky toilet could add anywhere from $248 in Dallas, $182 in New York to more than $400 on your water bill every month in cities like LA and SF.

Toilet flushing is one of the highest uses of water in the average home. Replacing a $10 faulty toilet flapper is an easy fix for homeowners to help conserve water and save money. 

Monday, March 19, 2018

Parenting Pointers: Americans Are Drowning in Credit Card Debt, Throw the Next Generation a Lifeline

By: Gregg Murset, CEO BusyKid

According to the Federal Reserve, American credit card debt hit a record high in 2017, rising to more than $1 trillion. Americans have gotten very comfortable with swiping at checkout or entering digits and clicking buy now online without worrying about the bill that will come later. According to a survey by CompareCards, 12 percent of credit and debit card users had at least one card declined in the last year. 32% were denied due to insufficient funds and 40% because the credit limit had been reached. And, a Bankrate survey found one in five Americans say they have more credit-card debt than they do in emergency savings. Another 12% said they had no credit card debt, but they also had no savings.

While some people are great at managing credit cards and pay off the balance every month, others are struggling. Parents can help their kids develop a healthy knowledge of credit cards and how to use them properly by introducing them to certain concepts early in life. Some of the personal finance topics and tools parents should cover include:

Use Rechargeable Debit Cards
Think of rechargeable debit cards as the preseason training for a credit card. Kids should spend some time learning to use and manage the money of a rechargeable card before ever graduating to a credit card.  Would you ever allow your child to drive a car without getting training? Of course not!

Teachable Moments
Parenting is all about using teachable moments to leave lasting imprints for your child to use while becoming an adult. Preparing your child to use a credit card can provide many teachable moments, including the proper way to get a card in the first place. Eventually kids will be bombarded with offers so take the time now to help show them what card offers mean (or sometimes, don’t mean). Watch out for that APR!

Managing Invisible Money
Credit/Debit cards are perfect examples of invisible money that makes up about 90% of the world currency. It’s critical for kids (especially teens) to understand how invisible money works and how to manage it. Online payments, banking, shopping and entertainment are just some of the ways money moves without actual coins or paper. Since your kids won’t be carrying around a piggy bank, help them deal with money they can’t see.

Paying Their Part
If your child is going to have access to a credit card, then he/she should also be responsible for paying for whatever they buy. Handing over a card with no expectation of them paying for the items is like giving your children a blank check. Their spending needs to be based on budget.

Kids Should Earn It
Though some parents just prefer to give their kids a credit card to use however the need fits, kids should be earning the money they are spending in order to pay for what is bought. Just like in real life as an adult, it can be dangerous to keep using credit when you don’t have money coming in to cover the bills. Have your kids do projects around the house or weekly chores to earn an allowance. No income, no card.

Book Nook: Girlish - Growing Up in a Lesbian Home

There are a lot of stories rightfully celebrating great moms and what we learn from our own parents about how to be people and parents ourselves. There are fewer stories about what happens when our own upbringing teaches us what not do when we become parents ourselves. However, this is the reality for many mothers. It's not as upbeat and cheerful as recounting the fantastic example your own mom set, but neither does it need to be shameful or embarrassing. 

As a child, Lara Lillibridge found that in other people’s eyes, the most interesting thing about her wasn’t about her at all; it was about her parents. She has written Girlish: Growing Up in a Lesbian Home [April 2017; Skyhorse Publishing] to share the story about this and other aspects of her upbringing. 

The way she was parented shaped and scarred her at the same time, but not in the ways that people assume. While unconventional barely scratches the surface of describing Lillibridge’s upbringing, the strange and scarring aspects of her childhood have nothing to do with her mothers’ sexual orientation. It is rather her step-mother’s mental illness, her father’s “off the grid” lifestyle and serial divorces, and the fact that none of the adults in her life are equipped to raise a well-adjusted child. 

She is currently working on her next book which focuses on the upbringing of her own child. I had a chance to interview her to learn more.

Why did you decide to write your book?
It’s funny, I became passionate about writing after the birth of my second child and I went back to school, eventually earning a MFA in Creative Nonfiction. I wrote about almost every topic under the sun except for my mother. At my final thesis interview, the last day on was on campus, one of my advisors asked me, “when are you going to stop writing all this boring crap and write about growing up with lesbian parents?” I went home and started Girlish the next week. He wasn’t the first person who expressed interest—when people learn that my mom is a lesbian and my father has been married seven times, they often say, “you should write a book!” I felt as if I couldn’t focus on anything else until I got this story out of the way first. 

How will your book also resonate with people who didn't grow up in a lesbian home?
I think Girlish will appeal to anyone who felt as if they grew up on the outside—it’s a narrative of exile. So many of us feel like we don’t fit, for many different reasons. In the end, the reason doesn’t matter nearly as much as the feeling of exclusion. Girlish also resonates with people who wanted more from their parents than they received, for whatever reason. It’s a story of yearning. 

What lessons have you learned through your upbringing about resilience?
There were several times in my life when I had to hold my head up and walk past people who were yelling insults at me. Going through that and living taught me that no matter how terrible it feels at the time, it will not destroy me, and I’m proud of that strength.  I think I am much less concerned with what other people think than a lot of people. 
What advice do you have for parents who are raising children in what might be considered a "nontraditional" home?
I think the best thing that parents can do is to make friends in similar situations. There is a national support group called COLAGE, which connects children of LBGTQA families with each other. It’s really important for children to feel as if they aren’t the only one. 

For me, when I broke up with my husband, I went out of my way to seek out other divorced parents, so that my kids didn’t feel so strange about going back and forth between two houses. Whenever your family is different, people treat you as a tour guide for the group, or maybe a specimen: asking questions, offering sympathy, etc. But when you are around other children in the same boat, you can just talk about regular day-to-day things without having to examine life through that one lens. 

Kosher Wines for Passover

This Passover, spend your holiday in Israel, Italy and France, without ever leaving the Seder table.  This year NJ-based Royal Wine, the world’s largest purveyor of kosher wines & spirits, offers Passover selections from across the globe – including a new label from NBA All Star Amare Stoudemire - in a broad range of tastes and prices. 

Thirty-five-year-old former NBA All-Star Amare Stoudemire this week unveiled three varieties of Israeli wine whose labels bear his name, produced at the “Stoudemire Cellars” of Kfar Tikva in the Upper Galilee, imported and distributed by the Royal Wine Corp.
It’s no surprise that many of today’s kosher wines are winning international competitions in top award categories. Bottom line: there’s no reason the quality of wine at your Seder can’t stand up to a glorious meal and your best crystal goblets. 
Royal has released a range of notable wines and spirits to fit virtually everyone’s budget, from $5.00 to $500.00. This Passover, don’t be plagued by kosher wines……now those four cups can be something to be savored, not endured. 

 Ten Things to Know About Kosher Wine
1) Kosher wine is made in precisely the same way as ‘regular’ wine. The only difference is that there is rabbinical oversight during the process and that the wine is handled by Sabbath-observant Jews.
2) Not all Israeli wines are kosher. Only about 30% of Israeli wine brands are certified kosher, but the kosher wineries produce over 90% of the Israel wine industry’s output.
3) In the 1980s, there were very few kosher wines. Buchsbaum says that Royal Wine only imported three kosher wines from Bordeaux back then.
4) The number of producers of kosher wines has dramatically increased in the past 10 to 20 years.  To date, Royal Wine Corp. represents more than 60 kosher wine producers. This is due to an increase in interest from consumers who are adding to their kosher wine portfolios, and in some cases building actual kosher wine cellars in their homes, a rare sight just two decades ago.
5) While a number of well-known wineries in countries from all over the world including France, Spain, Italy, and Argentina are crafting special runs of kosher wine, California is not. With the exception of Marciano Estate, which produces a kosher run of their Terra Gratia, a high-end Napa Valley Blend, all kosher California wine is made by fully kosher wineries such as Herzog Wine Cellars, Covenant and Hagafen.
6) The reason many Passover dinners feature red wine is because there’s a rabbinic opinion that red wine is preferable since it’s the same variety that Jews used during their Seders after they escaped Egypt.
7) Kosher wines can range in price from $5.00 a bottle to $500. The average price for a bottle of good kosher wine is $25.
8) The most popular Moscato in the U.S. happens to be kosher. Bartenura produces the largest selling imported Italian Moscato in the U.S. The Moscato in the famous blue bottle sells over 5,000,000 bottles annually, only a fraction of which goes to the kosher market.
9) Currently there is a steady increase in total wine consumption and great interest specifically in high-end Israeli wines, as well as the better French wines.
10) Drinking wine can be a Mitzvah (good deed). Kosher wine is prescribed for use in many Jewish rituals: Bris Milah (circumcision), the wedding chuppa (canopy), and the Kiddush that starts all Sabbath and holiday meals. While most occasions call for just one cup, on the holiday of Purim, wine (in abundance) is the beverage of choice for the festive meal. On Passover, Jews are required to drink four cups of wine at the Seder.
I had a chance to interview to learn more.
Why did Amare Stoudemire decide to launch a new line of wines?
He’s a member of the Hebrew Israelites community. He loves Israel. He loves wine. He loves Israeli wine. It was a long time dream of his to make his own Israeli Wines.

Why is kosher wine becoming more popular for vineyards?
It’s an experience for them, allowing them to reach a new market niche.

How can consumers find the right wine options?
There are nowadays several popular blogs, websites and social media groups dedicated to kosher wine where consumers can find recommendations from experts and fellow amateurs.

  • Stoudemire Private Collection, a unique blend of 50% Cabernet Sauvignon and 50% Petit Verdot, from NBA All Star Amare Stoudemire’s new wine collection, SRP: $244.99
  • Stoudemire Reserve, a glittering maroon red with aromas of black fruits that characterize the Cabernet Sauvignon variety, from the Upper Galilee, SRP: $59.99
  • Stoudemire Grand Reserve, this unique blend is full body with aromas of black fruits, tobacco, toasted oak and ripe pepper, from Kfar Tikva, SRP: $99.99
  • Château Remo, a new boutique winery from Israel’s Galilee region ($24.99 - $34.99).
  • Gush Etzion, a great boutique winery from the Judean Hills returns to America with an impressive array of high quality wines ($22.99 - $59.99).
  • Domaine du Castel La Viea selection of well-priced, high-quality red and white wines ($24.99).
  • Jezreel Levanim and Adumim – approachable and affordable, these are wines that reflect the Israeli terroir ($22.99 - $28.99).
  • Barkan Reserve Cabernet Sauvignon, a wine that’s practically unmatched in quality for the price ($19.99).
  • Covenant Israel Blue C Viognier, a delicious white wine made by Covenant’s Jeff Morgan, famous for his highly-rated California Cabernet, at his Israeli winery ($32.99)

  • Champagne Barons De Rothschild, an elegant and classic champagne from this famed family of wines ($79.99)
  • Chateau Trijet, Bordeaux 2015.  This is a wine made from organically-grown grapes which proves that quality Bordeaux wines can also be inexpensive (SRP $12.99) 
  • Chateau Fontenil, Fronsac 2015. This is the first kosher cuvee of Michel Rolland’s very own winery in the Fronsac appellation in Bordeaux.  Michel Rolland is arguably the world’s most sought-after consultant winemaker, overseeing the production of wines at hundreds of wineries all over the globe (SRP $54.99) 
  • Chateau LascombesA Grand Cru from Margaux 2015 made kosher for the first time (SRP $124.99)

  • Herzog Lineage, the brand-new series of top-value wines from Herzog Wine Cellars ($19.99) that includes: Chardonnay, Pinot Noir, Cabernet Sauvignon, Sauvignon Blanc as well as a Rose. 
  • Hagafen, 36th Anniversary Winemaker’s Reserve (SRP $109.99) 

  • Bartenura, Sparkling Moscato Rosé, beautifully packaged for gift giving and celebration (SRP $21.99)
  • Bartenura, Limited Edition Demi Sec, a unique and festive blend of Glera and Moscato (SRP $24.99)

  • Teal Lake, Sauvignon Blanc, a great and inexpensive refreshing white from Australia (SRP $11.99)

  • Celler de Capçanes Peraj Ha’abib Special Edition Pinot Noir 2015, a superb Pinot Noir from Catalonia’s cult Spanish winery ($31.99)

  • Alfasi Reserve Cabernet Sauvignon, top QPR Cabernet from this booming New World region (SRP $11.99)

  • Flechas de Los Andes Gran Malbec, an amazing Malbec from a world-famous winery that is part of the Rothchild wine estates (SPR $29.99)

The spirit of Passover won’t stop at wines, thanks to these new releases:
  • LVOV Vodka distilled from beets (MSRP $20)
  • Hacienda de Chihuahua Sotol Plata Tequila (MSRP $37)
  • Reposado, distilled from wild agave harvested in the Chihuahuan desert of northern Mexico (similar to its Mexican cousins tequila, mezcal, and sotol) (MSRP $40)
About Royal Wine/Kedem
Founded in 1848, Royal Wine Corp. has been owned and operated in the United States by the Herzog family, whose winemaking roots go back eight generations to its origin in Czechoslovakia. 
Today, Royal Wine's portfolio of domestic and international wines range from traditional wine producing regions of France, Italy and Spain, as well as Israel, New Zealand and Argentina. 
The company owns and operates the Kedem Winery in upstate New York, as well as Herzog Wine Cellars in Oxnard, California, a state-of-the-art-facility featuring guided wine tours, a fully staffed modern tasting room, gift shop and catering facilities. Additionally, the winery houses the award-winning restaurant Tierra Sur, serving the finest, Mediterranean-inspired, contemporary Californian Cuisine.


Photos: LVOV Vodka distilled from beets, and Chateau Remo Grand Blend, are two new offerings from Royal Wine Corporation that are Kosher for Passover (OU-P).

Website Spotlight: Voleo

Voleo is a new platform where users gather friends and family to invest as a group – a new kind of ‘crowd investing’. It allows new investors to save money by splitting trading costs with others and make better decisions using their combined knowledge.

Shopping Savings: Enchanted Diamont

Enchanted Diamonds, a leading online jeweler specializing in bespoke engagement rings and quality diamonds, brings the heat just in time for spring with the debut of NEW! Enchanted Diamonds Limited-Edition Red Silk Diamond Solitaire Bracelets! This brand new launch features a handcrafted .20 ct fine white diamond set in a beautifully polished 14K bezel set at the center of a fine red silk string and elegantly pieced together with a 14K lobster clasp.

​Perfect for everyday wear, this elegant beauty wows with the season’s hottest hue, and is designed to be worn on it’s own or stacked with other bracelets. The red-hot pop of color exudes heat, energy, and power, while the solitaire diamond sparkles and shines from every angle, having you feeling fancy in no time.... 
This hot new addition retails for $500 and can be purchased at www.EnchantedDiamonds.com, while supplies last.

I have a chance to share a unique promo code so you can enjoy $250 off any purchase from www.EnchantedDiamonds.com  if interested. It's a great time to buy these beautiful pieces of jewelry.

Friday, March 16, 2018

Parenting Pointers: 4 Ways You Can Help Your Child Deal With Stress

Adults often complain they are “stressed out.” Increasingly, statistics show, American children are stressed out as well, and the effects on their health, emotional state, and cognitive ability can be significant.
It’s well-documented that adult stress can lead to serious illnesses. But many researchers believe that ongoing stress during childhood – from poverty, parents fighting or substance abuse, bullying, violence or other adversity – can harm kids’ brains and other body systems and possibly lead to major health issues when they’re adults. Therefore, it is vital for parents to help their children cope with stress.

“Adults can handle more stress than children, because our brains are already formed and we have many more coping skills,” says Alise McGregor, founder of Little Newtons (www.littlenewtons.com), an early education center with locations in Minnesota and Illinois. “Research shows there are lasting effects from stress on kids’ development. Not exposing your child to any stress at home, of course, is ideal, but in today’s world there is so much affecting kids that parents need to know how to help them through it.”
Statistics cited in a greatschools.org article reflect the higher levels of stress that American children are experiencing: suicides among adolescents have quadrupled since the 1950s; and in the past decade, using pharmaceuticals to treat emotional disorders has increased 68 percent for girls, 30 percent for boys.
McGregor suggests four ways parents can help their children cope with stress:

•    Listen to them and communicate. “By listening to them, you are acknowledging their feelings but also strengthening the trust/bond you have with your child,” McGregor says. “Trust is so important in childhood. They feel supported and feel better being able to get it off their chest.”
•    Exercise. This is easy, fun and often necessary as a coping mechanism. “Children who are physically active release stress as well as build confidence,” McGregor says. “And they sleep better, which in turn makes them better equipped to take on their day.”
•    Take care of yourself, slow down.  Children are aware of their surroundings and look to their caregiver for support. “If a caregiver is not fully equipped to handle their own stress, they certainly can’t fully support a child,” McGregor says. “We often are in such a hurry that many of the basic necessities of care-giving are rushed through. Children can feel the stress caregivers are experiencing and often will act out.”
•    Teach them relaxation techniques. Just as parents teach children how to throw a baseball or build a tower with blocks, they should also teach them how to cope with stressful situations in life, McGregor says. “There are ways to do this, such as count down from 10, or ‘breathe in the soup, blow out the soup.’ It slows down their ‘hyperstate’ of accelerated heart rate and fast breathing.”
“Most parents have the skills to deal with their child’s stress,” McGregor adds. “The time to seek professional help for a child’s stress is when any change in behavior persists, or when the stress is causing problems at home or school.”

About Alise McGregor

Alise McGregor is the founder of Little Newtons (www.littlenewtons.com), an exceptional child care center focusing on early childhood education with four locations in Minnesota and one in Illinois. She is the author of an upcoming book, Creating Brilliance. Also a nurse, she has a B.S. in Exercise Physiology with a cardiac rehabilitation emphasis.

Sweepstakes: Graco TurboBoost & Go

As families start planning their spring break road trips, it’s important to make sure that everyone has all the essentials to keep kids safe while on the road. Beginning Friday, 3/16, Graco is hosting the TurboBoost & Go Spring Break Sweepstakes to give families the opportunity to win an all-expense paid trip to an amusement park along with Graco’s TurboBooster TakeAlong Car Seat. Simply text “GracoTurboGo” to 811-811 for a chance to win the ultimate TurboBoosted vacation!
Additional sweepstakes info is below. We would love for you to help spread the news and share the sweepstakes with your readers. Please let me know if you have any questions.
TurboBoost & Go Spring Break Sweeps Information:
Starting Friday, 3/16:  Text “GracoTurboGo” to 811-811 to enter to win the ultimate TurboBoosted vacation. Grand Prize is an all-expense paid trip to an amusement park of your choice for a family of 4 and a TurboBooster TakeAlong (or 2!). Promotion ends 4/15.
Graco TurboBooster TakeAlong Booster Seats:
The new Graco TurboBooster TakeAlong booster seats provide safety and enhanced portability with an easy on-the-go design. Available in two models - a highback booster and a backless booster – they both safely transport big kids from 40 to 100 lb. In highback mode, the seat back and base nest for easy carrying. In backless mode, the seats fold 50% smaller via the FastAction fold to take on the go. The seats have two cup holders and come with a carry bag for hassle-free transport and storage.

Thrifty Thinking: 3 Signs Your Money Has Outgrown Your Investment Advisor

While some people in the retirement-planning stages worry about outliving their money, others have a different concern: that their money is outgrowing their investment advisor.
It’s not unusual for the size of the client’s investment to increase well beyond their advisor’s level of experience and knowledge. Higher net-worth individuals often demand more creative, sophisticated planning for their needs than their original advisor is able to provide.
“Many affluent clients have graduated from their advisor’s capabilities, but are still working with someone who cannot handle their larger financial needs,” says Eric Kearney (www.erickearneyadvisor.com), an investment advisor for Retirement Wealth. “This can be costly, both in terms of investment potential and time wasted, so the client has to pay attention and know when it’s time to change advisors.”
Kearney lists three signs that your money has outgrown your advisor:
  • Outdated portfolio. Kearney says a typical scenario sees someone continually growing their net worth, then later realizing that their portfolio never really changes.  “The advisor is using the same approach over and over again,” Kearney says. “So by the time the client explores a second opinion, they can see they should have graduated from this very simple portfolio hundreds of thousands of dollars ago. That’s usually when they realize they’re in a fee-ridden portfolio. Therefore, it’s important that you know how your advisor is getting paid and whether that structure gives them the incentive to do a good job.”
  • Unaware of all the options. Many investors aren’t aware of their full range of options, Kearney says, adding that their advisors often aren’t either. “If you’re never offered any new ideas or strategies, such as lowering your taxes, reducing your mortgage payment or a long-term care alternative, that means your current advisor is probably stale, and they’re not interested in offering you proactive type service,” Kearney says. “There’s no one-size-fits-all investment advisor when they can come from different fields – CPA’s, insurance agents, financial planners and attorneys. Each has different areas of focus. You should ask your advisor, ‘What are your capabilities outside of traditional asset allocation?’ ” 
  • Lack of systems, communication. Wealthier clients with multiple financial pieces in motion notice when advisor contact is inconsistent. “There are a lot of people, even with multi-million dollar accounts, who think, ‘Maybe my account is just not big enough for my advisor to pay attention to me,’ ” Kearney says. “That’s usually not true. It’s just a matter of the advisor not having the right systems in place. It’s important to for an advisor to have a team with a point-of-contact person whom the investor can reach any time.”

“There comes a point when you know you’ve outgrown your advisor, but you don’t want that to be too far down the road,” Kearney says. “Before they get an advisor, or when looking for a new one, I think people really have to ask them, ‘Who is your typical client? Do you match my needs? Do you deal with a certain range of net worth and have minimums?’ People want to know if they’re working with an advisor that really understands them.”
   About Eric Kearney

Eric Kearney (www.erickearneyadvisor.com) of Retirement Wealth, with Florida offices in Cape Coral, Punta Gorda and Bonita Springs, has been helping clients reach and maintain their financial goals for more than 16 years. Eric co-authored a book with Forbes Media Chairman/Editor-in-Chief Steve Forbes, Successonomics.His professional licenses include a Series 65, Series 7 Securities License and a Life and Health Insurance License. He teaches pre- and post-retirees a wealth management course titled “Rejuvenate Your Retirement” at Florida SouthWestern State College and Florida Gulf Coast University.

Investment Advisory Services offered through Retirement Wealth Advisors, (RWA) a Registered Investment Advisor. Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. Past performance does not guarantee future results. Consult your financial professional before making any investment decision.

Thrifty Thinking: Overconfident? 7 Signs It’s Time to Rethink Your Financial Risks

Amid the second longest bull market in history, there are warning signs that Americans are overconfident in the economy and risking their financial future, financial security expert and bestselling author Pamela Yellen says. 
Pamela has written two bestselling books on how people can create true financial security for themselves and their families. Here are her 7 signs we have gotten too complacent about how they are saving for retirement and investing in the stock market:
  1. People bragging about becoming 401(k) millionaires and posting their balances on social media has become a “thing.” Remember when everyone from the company executives to the janitor were bragging at the water cooler about being real estate millionaires, just before the last crash?
  2. People start to think they can actually retire comfortably on $1,000,000. You can’t, because the IRS will take at least 25% – 33% off the top, and you’ll need $500,000 just to cover out-of-pocket healthcare and long-term care costs in retirement.
  3. The personal savings rate fell to its third-lowest on record at the end of 2017.
  4. Consumer spending is rising, and more of it is being fueled by debt. The last quarter registered the second-largest percentage increase in charge-card debt in a decade.
  5. Inflation is taking a bigger bite out of Americans’ paychecks. Real average hourly earnings of 80% of employees fell by half a percent in January, the fifth decline in six months.
  6. Hundreds of major companies have price-to-earnings ratios that are higher than during the height of the 2000 and 2007 bubbles.
  7. For a decade now, central banks have pretended they can print up prosperity … and we’re supposed to have blind faith that they know what they’re doing.
“Many people now believe – or act as though they believe – that history doesn’t matter, that somehow this time things are truly different,” Pamela says. “They forget that twice in the past 18 years – between 2000 and 2002, and again between 2007 and 2009 – the stock market has cut investors’ wealth roughly in half.

“No one knows when it will happen again, but even a cursory study of market history indicates it will happen. And most people will be woefully unprepared for the bloody aftermath, thanks to low savings rates and too much debt.”

In spite these trends, “It is possible to reach your financial goals and dreams – without taking any unnecessary risk,” Pamela says.

To learn more, visit: Online press kit: www.pamelayellen.onlinepresskit247.com/