Top 3 Financial Issues Americans Face Today

Times are tough for many Americans today.

We all suffer from a lack thereof. Too much debt, no retirement in place that will support them when the time comes and inssuficient, or no insurance protection.

Some financial experts suggest we are teetering on the verge of a modern day recession. Whatever the case one thing is true, we, as Americans, are not financially prepared for the future.

What is being, “Financially Prepared” really mean?, a person once asked me. My reply is always the same. To have the following aspects in place:

• Debt Free – a strategic plan to have all major debt reduced to nil come time to retire, mortgage(s)included
• Retirement – a strategically funded investment, designed to allow you to retire with all the money you need to continue your life style as you see fit
• Insurance Protected – a whole life, or fixed universal life policy in place to not only protect the family from the impending reality of life, but to serve as the vehicle for the retirement investments as well. This is a permanent, 100 year policy, not a “Term” policy that will end someday, probable before its needed.
• An Active Money Merge Account in conjunction with a Line of Credit, secured or unsecured.

You see, most Americans today…..do not have a plan in place to achieve these goals and therefore are in danger of finding themselves greeting at WalMart in those most precious golden years, a harsh but realistic consequence for not planning properly, when they had the chance.

I need to point out, this is the condition of mind we are brought up with. Think about it, why is it that the richest 3% know so much more about finance than the other 97% of us? Is it the Ivy League educations or are they mostly just born into wealth or trust fund kids spending away with impunity? Not really. America makes a lot of money on our ignorance, the banks know how to make and invest $$, we all use banks, pay their interest to them. We pay taxes and are told to invest money into our government designed retirement accounts such as 401K’s, etc. Why not, its to their advantage that we use these vehicles for our retirement investment as they take nearly half of it from taxation when its time to retire at 63. We are conditioned to do things a certain way, to trust the government and to not ask questions. Be good citizens, follow the leaders and live out our happy lives.

Consider, why aren’t there classes in elementary or high school that teach our youth about the concepts of investing for their own benefit or world economics so we graduate international leaders who can solve our economic problems by first building a country where most of us are brought up understanding the concept of finance and how it relates to our lives. How many of us actually become engineers or physicists? We are forced to learn geometry, trigonometry, things that the majority of us will never use…… I have been a mortgage planner my whole life and haven’t applied geometry or trigonometry once as an adult. But If I knew then financially, what I’ve come to learn though experience, wow would I have had a better head start on my own retirement plan.

Consider this, its a fact that if parents took out a strategic permanent life/investment policy at the age of 10 for or on behalf of their children. And reasonably funded that account with even a yearly tax refund until the child was 18. Then the child taking over the funding, with their tax return from there…… that child would be set by the time retirement came, guaranteed. Here’s the best part…insurance investments are TAX FREE. That’s right, Uncle Sam, doesn’t touch the cash.

What would the world be like now if our parents were encouraged to do this for us. It would mean that we would have a nation where the majority of us were financially fit and healthy and no one would care for Social Security issues, we would be self sufficient.

This is an interesting commentary and might provoke some thought from its readers, some of you might be saying, well, its too late for me to fix things…I’m in my 40’s, 50’s or beyond.

Folks, its never too late to benefit from the same financial concepts institutions gain from.

The Money Merge Account System is the answer, it not only solves the issues that prevent us from being “Financially Prepared”, it builds your retirement fast, using the BANKS $$$$.

Find out more by visiting my site and get a “Free, Money Merge Account analysis” on how YOU can become Financially Prepared for your future! Its, free, its 15 minutes, what do you have to lose?

Http://902533.uffmartketing.com or email me at hvhgroup@aol.com

Live with Abundance!

Top 5 Reasons Americans Are Overweight

To understand how to lose weight, one must first understand the basics of why we grow fat in the first place.

You cannot cure a problem by managing its symptoms, you first have to understand the source of the problem and only then, can you begin to take the proper steps to reverse the effects. So the real question to ponder is WHY am I fat and how did I get that way.

Have you ever wondered why an estimated 40% of Americans suffer from Obesity or Obesity related illness? Think about it, 4 out of every 10 people are overweight in this country. Its not surprising when you take a closer look at the world we live in.

Americans simply do not live very active, healthy lives. We eat drink and sleep in excess. We often choose fast food over home prepared whole foods or for some of us we start the day with a cup of coffee and eat a large dinner late when we get home from work. If we are lucky we take lunch a few times a week. Its no wonder we are gaining weight more now than ever before.

Overtime our bodies natural system for processing and eliminating the waste stops working effectively. You see the body is, among other things, designed to be a perfectly made filtration system. What goes in, must come out. If you are not experiencing at least 3 bowel movements every day you are carrying and storing dangerous toxins and exposed to the harmful effects from these toxins in the form of disease or illness. Even a chronic feeling of fatigue can be linked to this.

Your liver protects you from these toxins, but if the bowels stop eliminating regularly, then the liver is set to the task of finding someplace to store these dangerous toxins. It then signals the body to create fat cells to store toxins so that they do not spill into our system and damage our organs and tissue.

You see, your body creates fat cells to protect you from the toxins caused by the waste stuck inside you.

Ok, now for the gross stuff, but important nonetheless. Humans who suffer from being overweight or obese are actually victims of the bodies natural defense mechanism. The reason diets do not work for 95% of those that try them is because they do not focus on what the cause of the weight gain is. Waste elimination is a vital part of our bodies natural functioning and if it breaks down, we get fat. It is as simple as that.

Recent research has shown that by periodic colon cleansing you can help to remove the built up waste and toxins stuck inside you right now. This type of cleansing causes the mucous layer or plaque build up in your colonic lining to flush out, like the shedding of dead skin to leave a clean and renewed lining that can function properly. The other important reason to get this stuff out of you ASAP is that this waste not only poisons the body but festers various parasites that live in our bowels, disgusting I know, but very true. Once the bowels are cleansed the body then does not need the fat cells it created to store overages of toxins, so the body naturally begins the process of healing itself and the fat begins to melt away.

Visit http://www.hoskinsglobal.com to learn more

Studies have been shown that humans can hold in as much as 100 lbs of waste in their system, especially those suffering from extreme obesity. Thats toxic weight! Not to mention the added fat your body piled on protecting you from the toxins in the first place.

So the Top 5 Reasons Americans are overweight along with solutions to each:

1. Poor Diet – Eat whole foods, avoid processed foods
2. Lack of Exercise – Walk 20 minutes a day, take the stairs
3. Poor Metabolic Functions – Eat 5 Small Meals Throughout Day and Have Last Meal 3 Hours Before Bed
4. Fad Diets – They do not work, in some cases they worsen the bodies ability to naturally regulate its own weight.
5. Lack of knowledge available to the public about why we get FAT.

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The Solution to long lasting weight lose is to first make sure your natural digestive system has its best chances of functioning properly. A annual cleansing routine will help to maintain a healthy body and along with results comes the desire to eat better and live a more active lifestyle.

Visit your local health store for more good advice and good luck in your journey to a healthier weight and please take action soon, your health depends on it!

Visit http://www.hoskinsglobal.com to learn more