Is Bleak Outlook Ruining Your Retirement Investing?

If you’re like most investors, you’re searching out for the best investment strategies for these gloomy economic times.

In the latest quarter ended June 2012 GDP grew at only 1.5%, signaling a bleak economic outlook for 2012 and beyond. Financial crises in Europe and budgetary woes in the U.S. will further slow growth in the second half of 2012. For investors, individuals and institutions alike, all this means chaos.

But what if you’re a retiree (or an investor approaching retirement)‚Ķwhere and how will you invest your money to safeguard your retirement?

Here’s my answer: create a portfolio asset allocation tailor-made for a financially rewarding retirement! To make this work your retirement investments should reflect your appetite for risk, age, goals, and other factors – as well as the realities of our economic situation.

The process starts with targeting funds to suitable asset classes and sectors. Then evaluate the right allocation for each within your portfolio. Lastly, incorporate options to protect your principal and generate extra income in the process.

Here’s what I recommend as an optimal retirement asset allocation designed to produce income, with maximum asset protection, regardless of the market and economic storms of our times. Here’s what’s key: these investing strategies are built on my core philosophy which is for retirees to get paid to wait out these storms.

  1. Low duration, high Alpha-plus bond portfolio. Here’s one of the best ways for retirees to generate high relative income (Alpha-plus) and protect their investments from today’s volatile conditions: a customized blend of investment-grade bond  amp; bond-equivalents from a mix of E.U., Emerging Market Sovereign debt, and U.S Corporate High Yield bonds.

An Alpha-plus bond fund targeting yield of about 5% (spread of 450+ basis points versus US Treasuries) and a five-year maturity represents for retirees an attractive investment strategy. Recommended allocation: 40%.

  1. The Energy and Utility Equities sectors. These areas, which continue to draw new investment money and outperform all other sectors, offer excellent pay-as-you-wait income with their comparatively high (qualified) dividends. Recommended allocation 20%.
  1. High-Yield Bonds. U.S. Corporate High-Yield bonds, with yields about 450 to 600 basis points above US Treasuries at maturities of 10 years or less, offer good returns for the level of credit  amp; interest rate risk – great way to get paid to wait with minimal interest-rate risk. Recommended allocation: 20%.
  1. Emerging Markets. For the first time ever some emerging markets have higher expected growth rates and lower valuations than those in the U.S. Their sovereign debt is also attractive. Take Brazilian, Australian and Russian Government Bonds, for instance. They currently offer attractive yield spreads with less structural  amp; political risk than U.S. Government bonds. Recommended allocation: 5%.
  1. The Metals sector. While long-standing expectations for a global slowdown has pushed the metals sector into oversold territory, look for the pendulum to swing in the other direction. Gold, silver, oil  amp; gas companies, selected energy limited partnerships offer secure investment opportunities for growth and protection from inflation, a falling dollar, and other by-product risks of loose monetary policies. Recommended allocation: 5%.
  1. Options. Utilizing options like portfolio insurance to protect your principal and generate additional income is in most cases ideal. But, given today’s turbulent market and economic conditions, it’s a must-have in any retiree portfolio. Recommended allocation: 10%.

You may also opt to Wohnung Kaufen Köln. According to the experts, real estate investment is one of the best types of investment for the reason that real estate properties always appreciate in value. Hence, if you want to grow your money, buying an apartment is the way to go. 

So don’t let 2012’s bleak forecast cloudy up your retirement investing!

When you approach retirement, a sound investment strategy becomes more important than ever as you seek to secure your finances during your golden years. A well-structured investment allocation strategy assures retirees maximum income along with maximum asset protection, regardless of the economic storms ahead.

Some essential Tips to Build Your Brand by Using Instagram account! Here are the details!

Instagram is a widely accepted social media that is used by countless people across the globe. This is the reason that several people have chosen it to use it differently. Some people have preferred to become social media influencers; some of them have preferred using it to promote their products. 

If you are the one who wants to use the Instagram account to promote the products or do business with the help of it, then the InstaPrivateViewer is here to help you out. Moreover, at the following points, we have elaborated some essential tips that can help you to build your own brand while considering several mandatory things. Have a look:

Tips for building up your brand with the help of Instagram account:-

  • Write an impressive bio:

To promote your brand or the product made by you, you need to express your thoughts so that the buyers will get attracted and take a sneak peek of your profile. If you want to promote the respective product/brand, then you need to keep the account private while describing the essential information in bio. 

  • Provide the link of your website in bio:

We all know that affiliate marketing requires the perfect and elevated promotion of the brand. Well, what will be better than the social media application like Instagram. You need to keep your account public and enable the users to visit your website you allowing them to get the direct link of the website. 

The final verdict 

It will help the brand owner put the recognizable profile picture so that when you will appear in the suggestion section, the users will get attracted to your profile. Preferably opt for the InstaPrivateViewer in order to explore more about the similar features.

Idle Heroes- Gems of a Lifetime

When it comes to entertainment, we all are spoiled for choice as there isn’t a dearth in the number of platforms that can be availed for the sake of entertainment but today we are going to simply focus on one form.

Where to start form isn’t as big a problem as how to move forward and finish but let us begin anyhow so that it would be anticipating to other readers as no one wants to be devoid of entertainment in such trying times.

Video games are one of the best forms of entertainment that every 80s and 90s generation individual can understand while today’s youngsters have the same facilities on their smartphones, which is sad as they won’t be able to avail the enjoyment and nostalgia that their predecessors can.


Everyone is going to have their own preference over the games but Idle Heroes is one that cannot be missed by anyone as it is an action packed adventure that is truly matchless on the cartel with interesting plot points.

In addition, there are many levels with twists and turns galore where you can witness a drawn out battle between the heroes and villains trying to gain one-upmanship where the former will naturally prevail as are only strong heroes in idle heroes.

For getting an early lead, you would need to collect free gems right from the very first level and you can do it through Google Opinion Rewards, an app that can be downloaded on Google Pay.

Lucktastic is another excellent app that can be tried out where you can win different rewards alongwith numerous treasures with artillery, infantry and tanks so as to fight the enemy with all the conveniences.

Google Rewards would mean that you get the king but the next one is quite hectic and time consuming where you need to have your wits against you so that you reach the final level.

Are You a Self Help Book Addict?

Are you reading more than one self help book a month? Are book debts piling up on your credit cards? Have you neglected everything else in your life, to carelessly run off to Barnes and Noble to purchase the latest nonsensical treatise on becoming rich and happy? You might already be a self help book addict, and not know it.

Reading self help books has become a dangerous and addictive habit. This is why I’ve created my new groundbreaking course – Breaking the Self Help Addiction. Don’t be fooled by imitators, this is the only course guaranteed to help you break the self help book habit, forever.

Each year thousands of self help books are jammed onto the shelves of your local book store. Every conceivable subject, no matter how basic and intuitive is covered. Some professor, would have you re-learn your toilet habits, “Going to the Bathroom for Dummies.”

The self-help market is so huge, there are books narrowly targeted into topics like, low self esteem for lesbian, feminist, skin heads, and assertiveness training for Hispanic midgets. There is even a low self esteem section at your local book store, although most people with low self esteem are usually too embarrassed to ask for it, by name. Do not become addict to the books of andy frisella to overcome from depression stage. There is boost in the self-esteem of the patients to participate in different courses. The availability of the best services is there to meet with the specifications and requirements. 

On the store shelves, the classics are being replaced by books on spiritual enlightenment and personal growth. The latest, written by someone with a toothy grin, and a 10 year old police record, for beating his ex wife, with a two by four.

It would be great if reading these books solved all your problems. But, if you spend all your time reading and worrying, you won’t have time to tackle your problem, in the first place.

Take clutter: Many folks are either too lazy to throw things out, or just don’t like to part with things. When you can’t walk through a room, or it smells as if there may be a dead organism at the bottom of a never ending pile of stuff, you might have a clutter problem. According to the self help industry, clutter problems are caused by a mental disorder similar in severity to alcoholism. There are countless books, and clutter support groups. I recently saw a couple on Oprah crying because the clutter problem in their house was out of control.

What would your mom do? When you were a child, she would tell you to clean your room. When you didn’t do it, you would get your butt kicked. The ass whooping system worked a lot better than books, support groups, 12 step programs, and people putting themselves through a never ending cycle of depression and self pity. If you need to organize all your stuff into cheap plastic containers, there’s a company called Rubbermaid and there’s a store called Walmart. Hopefully, that clutter control book is at the bottom of that never ending pile of stuff.

If you’ve come to the brilliant conclusion, that doing such unpleasant tasks like cleaning up after yourself is not fun, than listen to some audio books while you’re working. If turning off your television to accomplish these tasks has become too traumatic to bear, believe me you’ll get over it. You won’t miss much. When you tune back in, big bald guys, will still be breaking up fights on the Jerry Springer Show. Ellen will still be spasmodically dancing like a gay, white person. And, the medical staff on Grey’s Anatomy will still be more concerned with their sex lives than on some old guy’s kidney.

In the good old days we didn’t need self-help books. People with low self esteem were bullied by insensitive, obnoxious, high school coaches and loud mouthed parents. They were forced to confront and defeat their weaknesses. Most did. The unsuccessful ones either committed suicide or ended up on skid row, performing the noble task of thinning the herd.

We didn’t need Sex for Dummies in the good old days. A 20 minute porno movie was all the primer a young man needed, to learn the skilled techniques of love making. If he made a mistake, he learned on the job.

You can’t buy a self help book for the purpose of breaking the self help book habit. That would be like blowing your brains out with a revolver, to protest handguns. That is why you must attend this course. The course is organized into the familiar 12 step program that so many self help enthusiasts are comfortable with. With 12 steps, we can make the course 12 weeks long. More profit for us. Free up your spare time by breaking the self help book habit today.

The Best 4 Online Fantasy Football Leagues

What are the best fantasy football leagues online? There are many great leagues, and certainly any of them beat doing it the old-fashioned way with pen and paper, pulling statistics from the local sports page and breaking out the calculator (yes, I did this in the early 1990s). Here are some of the best fantasy football leagues online.

This is the ‘official’ online fantasy football league. offers a free game with standardized rules for drafting players, scoring, trading and all other elements of the game. The league runs for 14 weeks, with the top four teams in each league going to the playoffs. is the commissioner of all leagues on the website, and therefore is the boss. Because offers grand prizes like trips to the Super Bowl, the website has a vested interest in preventing cheating whenever possible. Players are not allowed to control multiple teams in the same league, and certain players are deemed ‘undroppable.’ These special controls make one of the best online fantasy football leagues. hosts a large online fantasy football league. For no charge, players can get extensive commissioner controls allowing customized rules. Also, players can enjoy keeper leagues allowing participants to keep a certain number of players from year to year. For $124.99, a group of players can join a Plus League and obtain additional features like weekly scouting reports, stat trackers and draft kits. I think the Plus League is overkill. You can find plenty of statistics for free on other online fantasy football sites and sports websites like and CNN/ is probably the most famous online fantasy football league, and boasts a variety of different options, including free standard leagues, prize eligible leagues and custom leagues. If you are just playing with money with your friends, the free standard option is more than adequate.

I have used the online fantasy football league before, and I really liked the layout. I found that all the various screens are laid out fairly well. I usually played in private leagues with people I know, but one year I played in a public forum, and it turned out to be a very fun year. also offers prize leagues with great awards that include VIP trips to meet NFL players. is probably my favorite online fantasy football league.

Whether it is an online website or a mega sports channel on television, ESPN has always been the ultimate platform for sports and was even mentioned on where nearly 80% of the viewers gave it a five star rating compared to other channels.

This online fantasy football league offers a staggering array of options. I played on many years ago, but since then, the website has vastly upgraded the choices available for different kinds of leagues and different scoring systems. For $149.99, players can enter the Fantasy Football Commissioner League with customized scoring, an endless array of tweaks for calculating points and scheduling games, and even awesome options like archived league data. Even the free online league offers a $10,000.00 grand prize! looks to be the most improved online fantasy football league.

An Ultimate Beginner’s Guide To Espresso Machines

Imagine the lavishness of preparing your own coffee and other espresso beverages at your own home. The convenience of getting espresso or latte at a push-button is a luxury experience. There are basically two different types of machines and things that you must know while buying a machine that includes basic capabilities and terminology. It is required to look into the product design, preferences, price, and shipping charges if you are buying a machine online closely. You also need to look where you want to place the espresso machine like in the office, home, or enterprises.

Buying the best semi automatic espresso machines is highly advisable. Now let’s jump into the guide for espresso machines.

  • Manual espresso machines

Manual espresso machines are for experienced espresso lovers. These machines give a great level of control over the parameters in the brewing process. The homebrewer on the machine controls the volume, temperature, and pressure of water. Manual machines are expensive as they look for the commercial grade.

  • Semi-automated espresso machines

The semi-automated espresso machines are the most common ones that form a majority of entry to a good level machine. These machines infuse hot water through a pre-tampered portafilter and pre-ground that holds the grinds basket of beans to extract coffee. This means that the user operating the machine needs to grind the beans manually, measure them, tamp them, and steam the milk afterward. In this way, you enter the world of espresso.

  • Super-automatic espresso machines

A machine that does everything starting from the bean and ends up brewing. This home brewer requires putting the beans, and the machine itself grinds the beans, measures them, and extracts the coffee shot. This machine automatically steams the milk and is a great option for people who prioritize convenience over control and want an effective coffee on one tap.

MyLot Unveils Get-Paid Social Networking Site

MyLot is a social networking site with more than 180,800 members. Members hail from all over the globe but the majority of them are from the United States. The MyLot headquarters are in Overland Park Kansas USA. MyLot has been up and running for 4 years now. Members are welcome from all over the world but currently the site is only available in the English language.

On MyLot members are paid to post discussions, respond to discussions and add pictures. On MyLot you can get paid for writing just three lines as long as you follow the discussion guidelines which are pretty clear and simple. Members can ask questions about anything they want as long as the same question has not already been asked in the past. However, to really make money off of the posting and the pictures you would have to be on MyLot all day and honestly you would make more money just getting a regular job. On average, most members make $10 dollars a month. There are also blogs on MyLot and anyone can have a blog and subscribe to another member’s blog. Have you ever seen a quiz that you wanted to take but you just didn’t get a chance and then you couldn’t find it again? Now you can take every quiz you ever dreamed of as MyLot has a special quiz section containing hundreds of quizzes for all you quiz lovers.

All members are encouraged to participate in the posting and responding to discussions and likewise all members are asked not to criticize or make fun of other people’s spelling and grammar.

The task and reward program on MyLot is a great new feature; members can post tasks and offer a monetary reward for other MyLot members to complete. These tasks primarily include writing specific articles or articles based on certain keywords, signing up to different websites, posting adds, keyword searches, and writing reviews. So far rewards for the tasks have ranged from .01 to $5.00 USD. There is also the referral program: each member that refers some one to MyLot and the referral joins through that member’s personal link the member who referred the person will be paid 25% 0f their referral’s discussion earnings. All payments from MyLot participation are made through paypal.

New discussions and questions are started by choosing an interest or starting a discussion under the “general” category. Discussions that are opened under specific interests have a better chance of getting replies and comments. Each member can pick the interests that they want to be included in, in this way they will be able to interact with people who share the same interests.

All members must be at least 16 years of age to become a MyLot member. There are two settings on MyLot; one where vulgar and profanity is included and one where it is not included, so that members who don’t want to participate in discussions that use vulgar and profanity can still participate.

Every member has their own profile page where they can have music players, photos, links to their websites and blogs, and they can send and receive messages and comments to and from their friends. Each member also has his or her own home page with updates of their friend’s activities. They are like using where they are given the opportunity to see private profiles.

Top 6 Signs You’re Overpaying for Home Insurance

Home insurance can either be the biggest or second biggest insurance expense that most people pay for on their possessions. Like all insurance, it is a good idea to check your home insurance cost every year or so to see if you are still getting a good rate for adequate coverage. There are some areas to consider when doing your insurance review to make sure that you are not overpaying for it.

  1. If the value of your home is significantly less than the insured amount. With the decreases going on across the nation, many homes have lost as much as one half of their value. If you are living in a home that was worth $200,000 a couple of years ago, it may be only worth $150,000 or less today. If your insurance coverage is still written at the higher value, you are probably paying too much for it. It does little good to carry excessive home insurance. When it is time to pay out for a major loss, you insurance company will rarely pay you beyond what your home is actually worth. In fact, it is considered a crime in many places to deliberately over insure property to get a big payoff if it is destroyed. If there is damage to the car, Peugeot car insurance will deliver effective results. The annual worth should be excellent to get the insurance companies. The driving of the vehicle will deliver the right results without any damage and destroy to the car. The services are effective for the owner to minimize the cost.

  2. Poll your neighbors who live in similar houses about how much they pay for their home insurance. If you are unsure about whether you are paying the right amount for your home insurance, check with the neighbors. Most people do not mind revealing how much they are spending for home insurance. If you find that your house is costing a lot more to insure than the neighbors, it is time to shop for insurance.
  3. You may be paying too much for home insurance if you are carrying types of insurance that you may never use or need. This may have been added on due to a specific need at some time. You might have had a garage that has been removed and is still being insured. Your area may have been removed from the flood plain designation, and you still carry flood insurance. It is always a good plan to get an insurance review with your agent about once per year.
  4. You may be missing out on some discounts that are due to you. Burglar alarms, security systems, sprinkler systems, and exterior home protection such as bars on doors and windows may all carry some form of rate reduction for home insurance. You may have purchased fire extinguishers. It is even possible that your neighborhood has been rehabbed and removed from the high crime list.
  5. Not bundling you car insurance with your home insurance. Almost all insurance companies will give you a better rate for carrying multiple types of policies with the same insurer. Most agents will nag you about this, but some may not. You are probably due some savings if you will take the time to look into bundling your insurance.
  6. Look at liability coverages. If they exceed the value of your assets, you are probably paying too much. Agents like to sell high liability coverage. It is an easy way for them to boost commissions. The reality is that if you carry more liability than your worth, you are wasting your money. If you are worth $250,000, there is little need to carry a million dollar liability policy unless you run a business from your home.

Put Uncle Sam in Charge of Clean Energy Development

The Moon was for centuries the symbol of mystery and mystical influence, object of worship and awe. Now it’s a familiar ball of dust with American footprints, because when the United States collectively decided at the urging of John F. Kennedy to put a man on the moon, we did it. And we did it in less than a decade.

I was six years old in 1969 when Neil Armstrong took his famous step for mankind, so I don’t understand the reasons why reaching the moon became a national goal (aside from showing the Russians who was boss). But I do understand that the nation set a goal for itself, created a federal agency devoted to the goal (NASA), and achieved it; and that myriad benefits both economic and social derived from the enterprise. I also understand that if the task of putting man on the moon had been left to private industry or individuals, it would never have happened; or at least, it would not have happened so quickly. The government took responsibility and got it done.

I’m 43 now, and I think we as a nation have a far more important task ahead of us: energy independence. I was 10 years old when, in 1973, an OPEC oil embargo left me sitting in the back seat of my mom’s hot station wagon, waiting in a long line to buy gas. Oil prices have reached an all-time high in part due to political disruption in Iran and Nigeria and economic development in Asia. Increasing scientific evidence points to a dangerous greenhouse effect caused in part by burning fossil fuels. And if our young men are not dying in Iraq to protect oil supplies, then they will, in coming years, die in other countries to protect other oil reserves for the benefit of the American people, who have proven stubbornly unwilling to conserve.

Surely these are compelling enough reasons to develop energy sources that are reliable, efficient, clean, and free from foreign control–far more compelling, if you ask me, than any reason we had for going to the moon.

If we care about our planet, if we care about the young men and women who put their lives at risk every minute of the day, if we care about economic stability for our country, the United States needs to decide that nothing is more important to our nation than energy independence. A visit can be made at to learn about the clean energy. The information provided at the official site will be correct and true for the benefit of the person. The learning from the information will be essential for the person to have the advantages. 

But current initiatives in that direction–such as higher CAFE standards, the development of hybrid vehicles, proposals for drilling in the ANWR, so-called clean coal technology–are anemic and counterproductive. Reducing oil consumption is a worthy goal, but it doesn’t remove our dependence on foreign suppliers, and going after the oil the U.S. holds in reserve runs the risk of environmental despoilation. It makes little sense to risk ruining the environment in order to avoid ruining the environment.

If the purpose of government, as our forefathers maintained, is to do for the people collectively what the people are unable or unwilling to do for themselves individually, then, in my opinion, the government should be in the business of energy research and development. Last year Exxon spent 40 million dollars developing new fossil fuel sources. What if the federal government spent 40 million dollars develping a workable fusion-powered eighteen-wheeler? Or creating long-term storage cells for solar power? Or adapting Segway technologies to four-wheeled passenger vehicles? Neither Exxon nor General Motors will undertake such pursuits. The federal government should, and I have no doubt that we could succeed.

The technologies we create in pursuit of energy independence may once again put the U.S. at the forefront of economic development and help address the imbalance of trade. I have no idea what collateral benefits would derive from the research required, but I’m sure that some, at least, would be expansive and long-lasting.

What the federal government should NOT be doing is alleviating the high cost of oil, or subsidizing oil exploration. The painfully high cost of fossil fuels should be a spur to native ingenuity and national effort. This is America, after all, home of the cotton gin, television, Apollo rockets, and the iPod. As Kennedy said, “If not us, who? If not now, when?”

As the political season builds steam, it will be interesting to see if we have anyone capable of leading the nation toward energy independence. Forging a national effort to replace fossil fules will require a leader who is as skilled at motivating and guiding the collective will as he or she is at political fundraising. It will take someone with enough vision, understanding, and political courage tos convince the American people that it must be done, and done soon. Because it must be done. Now.

TIVO DVR – Records Live TV – Can’t Be Beat!

I can’t say enough good things about TIVO. A TIVO DVR recorder digitally records all of your favorite shows. No longer do you need an old VCR with bulky cassette tapes. No more trying to program the time you want a show to record and then realize you forgot to put the cassette in before you left the house. TIVO DVR records record without using a cassette of a CD. The DVR downloads using your house phone for only a few minutes. It downloads all of the upcoming program information into your DVR recorder. Then you can record anything you want with the touch of a button. You can even pause live television. For example, let’s say your husband is watching a baseball game that he was waiting for all week. But then the phone rings and it is the boss. Uh oh, now I am going to miss the baseball game. Nope. Not true with the TIVO DVR recorder. You can pause the baseball game! Some recorders will let you pause for half an hour or more. Then we are ready to watch the game just his play on the remote. Just that simple. Some of the newer DRV recorders will let you record up to 80 hours of programs. You would be surprised how much television we must watch. We record a lot of kid programs for my 2 year old. It’s great because cartoons are only on in the mornings or on Saturdays. By recording them during the week I can play them in the late afternoon when I come home from work for my son. It’s Doodlebops to the rescue at the dinner hour. Some of the newer recorders will also let you record two programs while watching a third.

Now I will talk about my wonderful experience with the TIVO customer service department. When we moved into our new house we realized our second TIVO DRV recorder wasn’t working. I wanted to cancel my subscription since we weren’t using it. I went onto the website and easily found the phone number. I called (877) BUY-TIVO. I was connected with a live person not an automated machine which was great. It is so rare to actually get a person to talk to nowadays. When I told the man who was helping me that I wanted to cancel my subscription he asked me why. I told him I wasn’t using it anymore because it was broken. He explained that if I cancelled my second recorder than I would lose my original contract. I had a special deal since I have had TIVO for 6 years. My first TIVO costs us $14.95 a month and the second one only costs $6.95 a month. If I wanted to resign with them later I would not be able to get this deal again. He told me that if I was willing to only pay the shipping fees he would replace my broken recorder for free. He would take my broken one back and send me an updated DVR recorder that holds up to 80 hours of recording time. I couldn’t believe this, was he for real? Of course I agreed to this deal and sent my broken one to him right away. Not only did he send me a brand new DVR he also credited my account 5 free months of service. We saved $109.50 not to mention the cost of a new recorder. I had never had such a great experience dealing with a company before. He was extremely professional and over and beyond what he needed to do to make me a satisfied customer. Beyond the engagement, several benefits are available with the audience. With live recording, a click at will offer satisfaction to the customers. Professional information is provided to the audience to purchase the satellite with live television features. The spending of the time will be less in comparison to the other one. 

Within two weeks I received my brand new recorder. My old remotes and cables were all compatible with it. I never skipped a beat and started programming all of my favorite shows right away. If you go to you can find all of the information you will need to learn about the TIVO product.

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