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Date: Thu, 13 Apr 2017 15:57:08 -0400
From: AgoraFinancial <agorafinancial@yourlatestfinancialupdates.top>
To:   <lojban@lojban.org>
Subject: You need to protect-yourself from this new financial-crisis.
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 Content preview:  April 13th, 2017. Financial-Crisis-Alert. Notification ID
   #2670789671. Hello lojban@lojban.org, [...] 
 
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April 13th, 2017.=20
*****************************************************.=20
Financial-Crisis-Alert.=20
*****************************************************.=20
Notification ID #2670789671.=20
*****************************************************.=20
Hello lojban@lojban.org,

If protecting your-finances is important to you, and it should be, then
you really need to check this out before you add even one more-cent into
your-bank. . .=20

There is a new crisis-on the horizon that has already been affecting
countless people all across the country.  Instead of being able to access
their-money, they are instead receiving an error saying that funds-are
inaccessible. . . You don't want this to happen to you.=20


Go here to find-out how you can protect your-finances: http://www.yourlatestfinancialupdates.top/4674S2385rW86k10N27rVfJ9eD18HhscFDrfhscFDrEsvZ6B33Lxv/bibbing-determinant


///////////////////////////////////////////////////////////////////////////=
=20
If you'd like. to. end future-financeads-please go. here.=20
http://www.yourlatestfinancialupdates.top/3956z2l3_85XW89t9r2Y81C9ep18nhscFDrfhscFDrEsvZ6Vk0xvU/bibbing-determinant
=20
 .=20
 . . 2885 Sanford-Avenue. S. W.  No. 4O442. Grandville.=20
Michigan - #494l8.=20
///////////////////////////////////////////////////////////////////////////=
=20
Additionally, you can. end these financialads-right here.=20
http://www.yourlatestfinancialupdates.top/8455Sw2385U8R6i11P2oV8p0j9e.18ahscFDrfhscFDrEsvZ5R2Bxv/husked-hedgehogs
-.=20
616 Corporate Way Suite_No. 2-9092
-_Valley Cottage, NewYork_#10989.=20
///////////////////////////////////////////////////////////////////////////=
=20


For those of you keeping score at home, it's halftime in the economic conte=
st that is 2010, and the home team is taking it on the chin.  The total sto=
ck market is down more than 6 percent, oil continues to spew into the Gulf =
of Mexico, and unemployment hovers just below double digits.  Little surpri=
se that consumer confidence and house prices seem to be racing each other d=
own hill.  At the midpoint of this rocky year, it's time to examine your fi=
nances and check your investment goals.  Consider this your locker-room pep=
 talk.  We're going to skip the inspirational platitudes - economic securit=
y is its own reward - and go straight to the game plan.  Here's how to grab=
 hold of the things you can control and best prepare for the things you can=
't.=20

Cash Flow While it's tempting to focus on your investment portfolio, and th=
e riches you hope to earn, you'll do yourself a favor by starting with the =
basics: How's your cash flow? It doesn't matter how much money you earn, ca=
sh flow is the foundation upon which the rest of your financial planning is=
 built.  Keeping an eye on the money coming in and out of your household ca=
n help determine what's available to fund various goals, including debt pay=
-down; college funding and retirement planning.  And remember the mundane, =
but powerful, truth about building wealth: The only way to do it is to have=
 more money coming in than going out.  Track expenses: Whether you use soft=
ware, a legal pad, or a cocktail napkin isn't important, but you need to cr=
eate some system to track your money.  No groaning - this is a 90-day exerc=
ise, and it begins today.  Start with your take-home pay and add any miscel=
laneous income.  Then enter your fixed expenses, such as mortgage or rent, =
insurance, and taxes.  Next step, list variable expenses like utilities, fo=
od and entertainment.  To nail down where that discretionary money goes (no=
, it doesn't vanish with your left sock in the laundry) during this three-m=
onth period, keep the receipts from every single purchase and put them in a=
 box next to your computer.  Each month as you pay bills, identify those ex=
penses that recur and create new categories as necessary.  Estimate the cos=
t of extras such as vacations, and add those to the expense side of the led=
ger.  After three months, you should have a good understanding of your over=
head and be ready to identify the areas that are ripe for trimming.=20

Audit yourself: Once you've got a handle on the expenses, now's the time to=
 comb through and determine whether you can find additional discretionary f=
unds that you can divert from say, dining out, to additional retirement sav=
ing or college funding.  Estate Planning Didn't you swear you were going to=
 finally see a lawyer to draft or update your will and any other estate doc=
uments? We are in limbo-land when it comes to estate taxes, but you can alw=
ays update your plan when Congress gets off its keister and fixes that prob=
lem.  Here's your quick estate to-do list: Hire a lawyer: Complete a will (=
including guardianship instructions), establish power of attorney and prepa=
re a health care proxy.  Protect your assets: Consider having your attorney=
 set up a revocable trust.  This will shelter your unified tax credit again=
st federal estate and gift taxes if your total estate is greater than $3. 5=
 million.  Regardless of the size of your estate, a revocable trust may be =
advisable if you wish to exert greater control over the disposition of your=
 assets.  Revocable trust assets are not subject to probate.  Dodge future =
taxes: Consider putting life insurance into an irrevocable life insurance t=
rust if your estate (including insurance proceeds) is greater than $3. 5 mi=
llion.  Make copies: It sounds obvious, but don't forget to put all documen=
ts in a safe place and provide copies to your executor or trustee.  Insuran=
ce

Nothing can sink a family's finances faster than being under-insured.  Life=
: Make sure that you have adequate coverage for life (for most people a ter=
m policy is better than universal).  The only way to get an accurate number=
 for how much insurance you need is to use an online calculator.  You'll ne=
ed that cash flow number (see above) for the exercise, as well as current s=
avings, investment and retirement account values.  If you work with an advi=
sor, feel free to delegate this task, but don't let him pitch you anything =
other than term life insurance.  I've often been asked to provide a shortcu=
t on this calculation, but frankly, given how specific each family's needs =
are, it seems ludicrous to rely on a simple multiple of your salary to acco=
unt for your unique situation.  Disability: Make sure you have adequate dis=
ability insurance, especially if you are self-employed.  Most insurance com=
panies will only provide coverage equivalent to 60-70 percent of your annua=
l income, but that should be adequate.  Employer-based plans usually cover =
60 percent.  Long Term Care: Start looking for a long term care policy if y=
ou're over 50.  Be careful to only purchase the coverage that you need.  He=
alth: Stay on top of developments in health insurance - there will be a sle=
w of new rules going into effect in the second half of the year.  Real Esta=
te Yes, the housing crash sapped some equity from your balance sheet, but y=
our home sweet home is still probably your most valuable asset.  Here's wha=
t you need to keep in mind:

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