#cash for cars in Leawood Kansas

[cashforcar-junkcars]

[cashforcarsjunkcars]

You can easily find so many ways that enable you to sell your old or even dead vehicle. One of such approaches is cash for cars in Leawood Kansas.

[cashforjunkscarsot]

It Is Feasible Now To Get Huge Cash for cars Independence Missouri

When you are taking the aid of a few of the best junk vehicle buyers, you have to make sure that all of them are licensed. You will certainly be loosened up working with the best, accredited, insured, as well as adhered firm when you want to market your autos. You should not make a final decision for finally handling any type of junk automobile purchasing business that are not accredited. The majority of them can primarily acquire your junk car from you, yet they want to maintain your name on the cars and truck's title. They usually do this course of action as they are not a licensed business and also are not allowed to sell your cars and truck lawfully. That is the reason that they will maintain your name on the title. When they typically re-sell your old, ineffective, scrap vehicle, the automobile is still in your name. It means that you will encounter some concerns when there is something wrong with the car in the future.

When you're old, junk automobile that is mosting likely to sell is obtaining associated with any kind of:

1. accidents. 2. offense ticket,. 3. or crimes.

Only you will certainly be responsible for that auto and for all scenarios. That is why you ought to choose only the very best certified car purchasing firm for the last deal.

You can market it to any type of ideal junkyard and they will pay you big Cash for Cars Independence Missouri.

Based in Lenexa, KS, the very best vehicle getting company usually offers cash for jalopies of all kinds, consisting of:.

· An old, scrap car that has in fact been harmed in an accident. · lorries with fire or water damages;. · old junk automobiles and also even vehicles that do not run quickly now;. · As well as other old, junk automobiles that are useless and also unwanted.

The finest auto acquiring business approves all vehicles, including vehicles, cars and trucks, sports utility vehicles, vans, and also minivans.

The very best vehicle acquiring business will certainly pick up your car from essentially any kind of location in the Lenexa, Kansas location, including your residence, location of work, or other place. In few instances, their team can also collect your old, junk cars and truck from the side of the freeway in the event that it's broken down for the last and also final time and also you prepare to receive cash for your old automobile!

The most effective junkyard always provides totally free tow-away services for old autos that do not run, so you will not require to hang out to get rid of that old automobile; they pay you huge cash money for your cars and truck!

A cars and truck is not just a car for anybody yet a part of every person's life. The very best memories made with the individual automobile are definitely irreversible. Nonetheless, any kind of car can compete just a few years. When it will certainly become older as well as ineffective, you need to let it go the right way so that you can welcome the new one. In some cases, it is not simply due to its age, yet it requires to be cost the sake of purchasing a new lorry.

In that particular circumstance, you ought to offer your scrap autos to reuse them for tidy environments and also make space for a brand-new automobile. Obtain get in touch with the most effective junk car buying firm to obtain the most effective cost for your junk lorry.

They primarily acquire unwanted, old, made use of, non-functional, junk automobile, or wrecker lorries or autos of any type of brand name from different locations in the United State. The lorries they typically acquire in Lenexa Kansas as well as close-by locations are as follows:.

· Cars. · Trucks. · RVs. · Vans. · Buses. · Other Vehicles.

The very best auto getting business will constantly offer you great deals of Cash for Cars Leawood Kansas. If you have a scrap automobile, scrap Truck, Junk SUV, Junk Van, or Junk Motorcycle and want to offer it in a quick and problem-free manner, give them a phone call at the number discussed on their business's internet site and also have your Title & Vehicle's Key prepared. They will pay you substantial Cash for cars Independence Missouri and remove your car at no cost. Most often, they give same-day service. They have generally numerous repeat clients in Kansas City and nearby areas. They have normally made a lot of online reputation as a leader in the junk automobile buying industry and that's something their staff takes satisfaction in.

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[olivia-reese-real-estate]

New Year, New Goals! ⠀ If one of yours is to prepare to buy a new home, here are some resolutions to add to your list!⠀ ⠀ • Resolve to pay down existing debt⠀ • Resolve to not make any large purchases on credit (cars, boats, appliances)⠀ • Resolve to save cash for a down payment⠀ • Resolve to not changes jobs⠀ • Resolve to get pre-approved for a mortgage ⠀ • And last but definitely not least, resolve to CALL ME! I can help you prepare to buy your new home!⠀ (at Leawood, Kansas) https://www.instagram.com/p/B7FITfJAmNH/?igshid=18f4q9qeifshy

[mnranger5]

Hello Nitro Z19, Norris, OK, 5/11/19

So, Greg’s cold, hard, cash sure didn’t last long in my safe.  Two weeks after selling the Ranger, Dyan and I made a deal to buy a Nitro Z19 Pro from Norris Marine in Norman, Oklahoma.  It’s a beautiful boat that had the exact options we, errr, I, was looking for.  But finding it was kind of like finding a needle in a haystack.  It was a frustrating two weeks, but clearly, was worth it in the end.

When it came down to it, I wanted a black/silver bass boat.  I just like the way black and silver sparkles whether it’s on the water, or in the driveway. That was probably the biggest hurdle to overcome, because black/silver boats are few and far between.  Every dealer I looked at had white, red, silver, blue and green color combinations.  But none had black/silver.

I contacted the local Nitro, Phoenix, Skeeter, Bass Cat and Ranger dealers.  None had a black/silver in stock, but they’d all be happy to order me one if I was willing to wait 12-15 weeks.  Hmm, that’s a delivery date in late July/early August.  I decided to keep looking.

Dyan and I saw a Nitro Z20 at Cabela’s in Woodbury that was black/silver/blue, a striking combination.  That would work, if it were a Z19.  Unfortunately, the Z20 is too big for the garage.

I contacted Nitro and asked them to do a national search for the black/silver/blue color combination.  It was a premium color, that was rare.  There was currently only one that was available across the nation.  It was located at D&R Sports in Kalamazoo, Michigan.  Just about every angler knows that Kalamazoo is home of the legendary Kevin Van Dam, the most decorated bass fisherman of all time. So naturally, I thought of him when I saw this beautiful boat they were offering for sale.

I contacted the sales team at D&R inquiring about the boat.  As it turns out, the store/dealer is owned by Randy Van Dam, Kevin’s brother.  No way!  Unfortunately, the boat is currently being demo’ed by Randy Van Dam, meaning it would not be available until Sept.  Ugh.  But if I put a down payment on the boat, they would have Kevin available for a meet and greet the day I came and picked up the boat in the fall.  Very cool, but I needed to think long and hard about it.  Not only would it be a used boat (which wan’t necessarily bad), but it also means I would be boat-less during the summer.  I’d keep looking.

After a few days, the new quotes for boats started rolling in.  I had each manufacturer build out a comparable 19’ boat with all the same accessories, such as trolling motor, graphs, etc.  The quotes were breathtaking…

Skeeter FX 200: $61K

Phoenix 919 Pro: $62K

Bass Cat Pantera Classic: $63K

Ranger Z519: $66K  

No way was I spending that kind of dough on a boat.  I’d keep looking.

I called D&R again to get more specific on the price.  I asked to add a few more options.  It was still in my price range.  Many thousands of dollars under those brand new prices.  But the delivery date now changed.  Seems as though Van Dam had a couple of fall tournaments he was planning to fish and the boat would not be ready until mid-November.  What?!?  Ugh.  They may as well just winterize the boat while they are at it because we’ll probably have ice on our lakes by then.  No way I am going buy a new boat and let it sit in the garage for 4 months as I wait for open water. I’d keep looking.

I was starting to get frustrated.  Brand new boats were way too much money.  The D&R boat would rob me of an entire fishing/boating season and would jealously watch me give all my attention to my sexy 2.5HP snowblower.  And the cherry on top is that the local Nitro dealer didn’t seem to have any time for me as they were constantly delivering boats, helping other customers or out of town.  When they were available to talk, they were very friendly.  But their process was way too slow.  They had no idea how fast I was ready to move with Greg’s cash!

I began doing my own national search.  I was looking at dealerships from Florida to Texas to California.  I somehow stumbled across a smaller dealer in New Richmond, WI, I had never heard of.  They’re a Nitro dealer less than an hour from my house.  They had a brilliant blue/black/silver color combination.

A little more blue than what I was hoping for, but still, a gorgeous boat.  I was fed up of searching, and ready to make an offer - on the spot.  I called the marina with my credit card in hand.  In my head, the down payment was made, and as soon as the call was over, I’d be on my way to pick up my new boat in New Richmond.  But, there was one slight problem.  The salesman who picked up the phone had just sold the boat and was delivering it to the customer that afternoon. Deflated.  I’d keep looking.

I proceeded with my national search. Using google images, I searched for a “black Nitro Z19″ posted within the past month.  Buried in the search return was a small thumbnail of what looked like a black/silver boat.   I clicked on it.

The picture brought me to the web page of Norris Marine, a boat dealer in the south suburbs of Oklahoma City.  The online price depicted a base model, bare bones boat.  However, it was the right color.  It’s probably sold, but I decided to call anyway.

The salesman, DJ, took the call with a friendly hello.

“Hi, I am inquiring about a black Z19 Pro on your website.  Is it still available?”

“Hell, yes that boat is available, and it is gorgeous!”

Of course it was.  What was he going to say, “It’s ugly���?  So I continued.

“From the pictures it looks all black, is that the case?

[HOOK] “Actually, it is a custom color that I specifically picked out.  There are four colors: black mist polyflake, mineral gray polyflake, black sahara polyflake and onyx gel (matte black). With custom colors, there are thousands of color combinations so it would be quite unlikely anybody else will have this exact boat.  It’s one of a kind.“

After finding out the boat is actually completely loaded with tons of upgrades, I asked: “It looks like it has most of the options I am looking for other than the dual console and talons.  Any chance your dealer can add those?”

[LINE] “Absolutely, we can do anything you want.”  

Of course they could…I am pretty sure he’d have said yes to installing a .50 cal rifle on the casting deck.  Don’t laugh, it is a legit option with at least one manufacturer…

“So, when can it be ready?”

“When do you want it to be ready?”

“This weekend?”

[SINKER] “Done Brotha!”

Like Greg with my boat, I was hook, line and sinker with this boat, sight unseen.  It was that easy.  Other than a few minor details that had be worked out through some separate calls, the boat was purchased.

The week passed by painfully slow.  On Friday, Dyan and I did the first leg of the trip (6.5 hours) by driving into Kansas City.  We rolled into Josh & Melanie’s sometime after 9PM. But it was a quick visit because we were on the road to Oklahoma by 4:30 Saturday morning.  KC to Norman is a little more than 5 hours, and with the light rain, it really made for an especially long drive.  But as we pulled into Norris Marine, the rain stopped on queue.  We walked into the showroom, full of boats, but the Z19 was nowhere to be seen.  One of the Norris staff asked us if we were the couple from MN, to which we said yes.  “Wanna see your boat?”

“Uh, yeah!”

He led us out to the service garage.  Sitting there among much larger boats was our gorgeous and sparkling Nitro Z19.

It was absolutely perfect.  The black and silver contrast so perfectly creating the exact image I was going for.  It was one of a kind and it was ours.  One cool change DJ made without my knowledge was swapping out the red Mercury Pro XS decals on the motor for gunmetal grey decals.  He thought the decals would really finish off the “blackout look” the boat has.  He was right!

DJ gave me a quick walk-thru on the boat showing me how to use the Talons, Ultrex and gauges.  Afterwards, we filled out some quick paperwork signing the boat over to us!  In under and hour, we were on the road, back to KC.

With the boat in my rear view mirror, the drive was much shorter.  By 4:30 we rolled into Kansas City and had an early dinner at Joe’s BBQ in Leawood.  Mmmmm, ribs.

A decision needed to be made.  It was 6PM.  Do we just stay the night in KC and drive home in the morning, or just suck it up and drive straight through?  We decided to just make the final push.  What’s another 6 hours when you’ve already been in the car for  11.5?  We drove into the night listening to a Camino Island, a John Grisham book on CD.  It wasn’t a great book either, but after the first few CD’s, we felt invested enough to finish it. We arrived home shortly after midnight.  It was a total drive of 17.5 hours.  We were exhausted, but we were home, with our new Nitro Z19!

[kansascityhappenings]

Johnson County men charged with robbing banks wearing Black Panther and Venom masks

KANSAS CITY, Kan. — Two Johnson County men are charged in federal court after allegedly robbing two banks wearing “Black Panther” and “Venom” masks.  

Michael Shiferaw, 20, and Kenya Breakfield, 21, both of Olathe, were charged with two counts of bank robbery in federal court in Kansas.

Michael Shiferaw (left) and Kenya Breakfield (right) face federal charges in connection to two bank robberies

The pair allegedly robbed the Wells Fargo bank in Leawood on Oct. 31, 2018 as well as the Commerce Bank in Roeland Park Wednesday afternoon.

According to court documents, two robbers entered the Wells Fargo on 103rd Street in Leawood carrying guns and wearing masks that resembled the comic book character “Venom.”  One of the robbers fired a shot into the ceiling before leaving with cash.

On Wednesday, shortly before 2:30 p.m., investigators responded to a robbery at the Commerce Bank at 4700 Johnson Drive in Roeland Park.

Witnesses told detectives that a suspect wearing a “Black Panther” mask entered the store, fired a shot into the air and yelled at everyone to get down. The teller was able to pull the alarm before the suspect fired another shot and demanded money from the bank vault. The suspect fired two more shots before taking money in a backpack and leaving in a small black car.

Later in the day, federal agents set up surveillance at a house in the 1700 block of Lindenwood in Olathe where they were able to follow the suspects to Shiferaw’s house in the 1200 block of Meadow Lane.

Image from the Roeland Park bank robbery

The suspects were taken into custody after a domestic disturbance call at Shiferaw’s house. During the arrest, agents found a black backpack full of cash and a handgun.

Prosecutors allege that Breakfield took part in the first robbery and drove the getaway car in the second robbery. The men allegedly bought the masks at a Spencers gift store.

If convicted, both Breakfield and Shiferaw face up to 25 years in prison and a fine of $250,000 on each count.

from FOX 4 Kansas City WDAF-TV | News, Weather, Sports https://fox4kc.com/2019/03/28/johnson-county-men-charged-with-robbing-banks-wearing-black-panther-and-venom-masks/

from Kansas City Happenings https://kansascityhappenings.wordpress.com/2019/03/28/johnson-county-men-charged-with-robbing-banks-wearing-black-panther-and-venom-masks/

[thecreatorformula]

Payday lender lawyer Tim Muir faces reckoning – Kansas City Business Journal

Sitting in a prison cell that is his new home, Tim Muir potentially has years to contemplate everything that went wrong in his life and landed him in this position. But he’s not feeling guilty.

Muir thinks about being separated from his family. He still fumes about FBI agents storming into his Overland Park home wearing tactical gear, guns drawn, and arresting him in front of his children. It’s an emotional wound that remains raw years later.

But in a six-page letter he wrote in answer to questions from the Kansas City Business Journal, one sentiment not evident anywhere is regret. Muir believes he was wrongly convicted.

In October, a federal jury in New York convicted Muir for racketeering, wire fraud, money laundering and filing false Truth In Lending Act disclosures. The charges stemmed from his job as general counsel for a payday lending operation, which a jury determined used shell companies to give the appearance of Native American tribe ownership to circumvent state lending laws.

In reality, the operation — owned by Scott Tucker of Leawood — was run out of Overland Park. The operation generated $2 billion in profits and victimized 4.5 million consumers by charging interest rates ranging from 400 to 700 percent, according to prosecutors.

Muir and Tucker were tried and convicted together. Tucker was the flashy one, spending more than $100 million on luxury homes and cars, a Learjet, lavish travel and expenses for a professional racing team with six Ferraris.

By contrast, the low-key Muir played a relatively unknown character in the whole saga. He lived in a $300,000 house on a cul-de-sac not far from 119th Street and Roe Avenue in Overland Park. He coached his daughters’ sports teams. He helped raise money for charities ranging from a child abuse advocacy center to a scholarship fund for foster and adopted children to an organ donor program. A local lawyer who worked on fundraising with Muir said he was actively involved in the bar association and bar foundation, describing Muir as “a tremendous asset to the legal community and the local community in general.”

That’s a dramatically different picture of Muir than the one prosecutors painted: Muir filed false affidavits that claimed the tribes, not Tucker, were doing the lending. Muir orchestrated a sham merger to make it appear the tribes bought the business, and he even had two of Tucker’s corporate entities sue each other in an effort to confuse investigators and throw them off the trail. Prosecutors argued that Muir went too far in shielding the payday lending operations from law enforcement, making him culpable alongside Tucker.

Who is Tim Muir?

Muir, 46, moved to the Kansas City area with his parents at age 6, immigrating from Australia. He graduated from Shawnee Mission West High School in 1989.

Muir earned a biochemistry degree from the University of Kansas in 1998. He was intent on getting a law degree but couldn’t afford to go to law school right away. So he took a job as a manager at Godfather’s Pizza.

He later enrolled at Chicago Kent College of Law, with a focus on patent law. However, he had to leave Chicago Kent after only a year. His oldest brother, Patrick, suffered from a spinal disease that left him paralyzed, so Muir moved home to help care for him.

Muir eventually resumed law school at KU, commuting from Kansas City. He earned a law degree in 2004, at age 32.

He married Stephanie Tucker-Muir in 2007, and they have two daughters.

Seeing a payday

In 2006, two years out of law school and weighed down by student loans, Muir said an acquaintance recommended him to Tucker for a job as general counsel. Tucker already had several payday lending companies up and running. He drove exotic cars and flashed around cash, offering handsome wages for a new legal staff he was assembling.

“I was employed as general counsel for his company for about six months, and then subsequently started my own firm, becoming outside counsel,” Muir wrote to the Kansas City Business Journal. “There was no job description when I started. I joined a very large legal team that Scott had retained through the years.”

Muir estimated that more than 200 lawyers worked on Tucker’s legal matters through the years. Muir eventually took on the various tribal entities as clients, as well.

“The scope of my representation included business, litigation and regulatory matters,” he wrote. “I regularly interacted with tribal officers, attended board of director meetings and accompanied tribal leaders for government-to-government meetings, including with the New York Department of Financial Services, the Treasury Department and the chairman of the Federal Deposit Insurance Corp.”

The scheme

Tucker set up agreements with Native American tribes, which prosecutors said involved having the tribes establish corporations on reservation grounds for payday loan businesses.

Russell Bradley of St. Joseph was treasurer for the Kickapoo Tribe in Kansas when Tucker reached out offering a business opportunity. Tribal officials asked Tucker why he was approaching them.

“It was mainly because they wanted to get around the activity of the states establishing more regulations to deal with the payday-loan-type businesses,” Bradley testified at Tucker’s and Muir’s trial.

Bradley said Tucker’s pitch amounted to giving the tribes something for nothing.

“We’d be guaranteed $20,000 a month, plus a percentage over $2 million in lending per month,” Bradley testified. “We would be the owners, and they would be the managers of the company; they’d put up the money, and they would make us a regular check every month.”

Aside from on paper, Bradley said the tribe had little to do with the business. The documents signed by the tribe showed it had no obligation to invest money or pay the operation’s expenses, except for maintenance of a business office on the reservation. The business office — a computer set up in the tribal attorney’s office — was used to funnel financial reports. No one in the tribe was trained on how to use the system.

The loans started coming in as soon as the deal closed. Loan terms were confusing, helping generate excessive fees. Borrowers were told they would pay a $90 finance charge on a $300 loan. Then $75 would come out of each paycheck, leading victims to believe they were on track to pay off the loan. However, those $75 debits actually were renewal fees and not principal payments that would cover the debt in the alloted time. Prosecutors said the scheme’s multipart payment plan, if allowed to go to fruition, would result in a $300 loan costing $975.

In a Netflix documentary series titled “Dirty Money,” one victim, a truck driver named Walter Archer, talked about his experience borrowing $500 from one of Tucker’s companies. Archer said it was infuriating to find out those were renewal fees — and none of the principal had been paid.

“If I was in the same room with Scott Tucker, I would tell him there are millions of people you probably put into a position where, at least temporarily, they were homeless, or they did without electricity, or their water and sewer or garbage was turned off, or maybe they did without food for a little while so the kids could eat,” Archer said in the documentary. “Your greed put them in a very bad position, and you need to stand up and take accountability for what you’ve done and publicly apologize.”

The debate

Muir argues that borrowers knew the terms. He said the agreement was an industry standard used by more than 100 lenders. Customers received multiple emails describing the payment structure and how it worked, stating that if they took no action the loan would be renewed without the principal paid.

Muir also argued that the operation was up and running when he went to work for Tucker in 2006. He professes that he simply followed the lead of other attorneys before him and operated in good faith that his actions met the legal standard.

“All of my clients, and myself, believed whole heartedly in the legality of their business model,” Muir wrote to the Business Journal. “Whether through litigation, direct consultation with state and federal regulatory agencies or engaging congressional leaders in the legislative process, we never shied away from a debate regarding the lawfulness of tribal online lending.”

But prosecutors liken that argument to someone driving 80 miles an hour down a neighborhood street and, when stopped, arguing that others drove that fast, too. The prosecution convinced a jury that Muir was fully aware of the New York usury statute and that Muir’s job was to maintain the lie that these loans originated from Native American tribes and not Tucker.

“Lawyers paid by Tucker and supervised by Muir drafted bogus resolutions that they directed the tribes to pass to make it seem like the tribes owned part of Tucker’s business,” prosecutors said in the trial’s opening statements. “They filed false affidavits lying to the courts across the country, claiming that the tribes, not Tucker, were doing the lending.”

Employees in Overland Park were told to lie about where the company was located. The company went so far as to provide them with weather reports for the areas where the tribes were located, in case customers made small talk during phone calls.

“What the jury heard in a case like this is that (Muir) had an oath,” said Charlie Harris Jr., a partner at Seyferth Blumenthal & Harris and a disciplinary hearing officer for the Missouri Office of the Chief Disciplinary Counsel. “He knew he had an oath and responsibility to represent the truth to the court for each of the entities that he set up. The jury took a look at this case and said these are no more than sham corporations. The management of these companies were not strictly within the confines of the tribes. In fact, it’s pretty clear that the jury’s reaction was, not only did the tribes have little to no management powers, but he knew they’d have little to no management powers when he set up these corporations, and they were set up solely for the interest of making money.”

Tucker, who allegedly netted more than $1 billion, was sentenced to 16 years and eight months in prison.

Muir received about $10 million for his role in the payday operation, according to sentencing documents. He was sentenced to seven years in prison, starting his time on Feb. 27. Muir has filed an appeal.

Muir ended his letter to the Kansas City Business Journal with a simple statement: “Last, I have one thing to say: Prison sucks.”

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[socialmedinews]

Early retirement age: Can you retire at 62?

By Chris Kissell • Bankrate.com

If you’re in your late 40s or early 50s, you may be wondering whether you can attain an early retirement age. Unfortunately, millions of Americans are remarkably underprepared for life without work.

A 2014 Vanguard analysis of more than 3 million workers’ accounts found that Americans age 45 to 54 had $122,566 saved on average. Another survey in 2012 by LearnVest and Chase Blueprint found that about 20 percent of respondents in that age bracket had squirreled away somewhere between $100,000 and $249,000.

If you have managed to save a quarter of a million dollars and would like to retire in 10 years, you probably can do so if you plan well.

“With proper planning and discipline, the 10-year home stretch can be transformational,” says Samuel Scott, a CFP professional and president at Sunrise Advisors in Leawood, Kansas. Bankrate asked Scott and two other financial planners to make recommendations for a hypothetical worker with the  following profile:

Age: 52.

Amount saved: $250,000 in a tax-deferred account. Goal: Retire with a total of $500,000 in 10 years.

This individual would live off his or her savings for three years. Then at age 65, our retiree would start collecting Social

Security and withdrawing 4 percent of the remaining nest egg annually thereafter. Read on to learn what the experts advice about how to make this goal and achieve an early retirement age.

Strategy: Contribute to a retirement plan Scott says an investor who expects 5 percent growth over a 10-year period would need to save $7,500 annually to grow

$250,000 to $500,000.

“If their employer has any sort of matching component to their retirement plan, it makes sense to take advantage of the ‘free money’ to leverage their savings rate,” Scott says.

Clarissa Hobson, a CFP professional with Carnick and Kubik in Colorado Springs, Colorado, urges our investor to save a greater amount -- about $10,000 per year -- and also assumes a slightly higher annual return of 6 percent.

Such a strategy would result in a nest egg of about $580,000, Hobson says. Michael Kitces, a CFP professional and director of planning research at the Pinnacle Advisory Group in Columbia, Maryland, is the most optimistic of our trio.

He says it is reasonable to expect a 7 percent return on a well-balanced portfolio. Over a decade, that would double the value of the portfolio, transforming $250,000 into nearly $500,000.

“Which means this goal is actually quite within reach, even without any contributions,” says Kitces, who also publishes “The Kitces Report.”

Because a 7 percent return is not guaranteed, however, Kitces recommends saving as much as you can as a fallback measure.

Prepare for health costs in retirement

Most people are not eligible for Medicare until age 65, so those who retire at age 62 probably will have to contend with the problem of covering health care costs. “Health care is certainly a wild card in retirement planning,” Scott says. Scott expects uncertainty to surround future health costs because of health care reform changes and the fact that Medicare probably will need eligibility tweaks to keep the program solvent.

“The best way to prepare for uncertainty is to plan conservatively,” he says. That means saving money outside of retirement accounts to cover health costs.

Kitces believes health care reform has made access to insurance much easier for people in early retirement.

In addition, those who have lower incomes in retirement than they had during their working years may qualify for tax credits that reduce the cost of health insurance -- “potentially quite significantly,” Kitces says.

For this reason, it is important to manage taxable income carefully to make sure you qualify for the credit. A tax professional can help in this process.

Hobson says retirees should assume that health insurance costs will grow at a rate of 5 percent to 7 percent annually. She also encourages retirees to estimate the total annual costs for Medicare -- Part B, D and supplements.

“I think around $4,500 per person annually in today’s dollars is reasonable,” she says. “These costs also need to be increased for inflation.” Diversify your portfolio tax-wise Scott urges savers to remember they have less money saved in tax-deferred accounts than their monthly retirement statement indicates.

“For example, $500,000 in an IRA or 401(k) plan does not equal $500,000 in after-tax, spendable funds,” he says. Every time money is withdrawn from a tax-deferred account, taxes are owed, Scott says.

“It is quite shocking how quickly assets are spent down when a tax liability is incurred everytime someone needs to replace an air-conditioning unit, buy a car or pay their mortgage,” he says. In his experience, clients in retirement are better able to manage tax planning when they have the option of drawing on tax-deferred and after-tax accounts, he says.

Hobson agrees.

“If the $250,000 is in a company retirement plan, he should also save in a taxable account to hedge his bets somewhat against future tax rates,” she says.

Another solution: Invest within a Roth IRA or Roth 401(k) because money in these vehicles grows tax-free and is withdrawn tax-free.

Hobson says most investors should contribute at least enough to a 401(k) to earn the employer match. Any additional contributions should be based on the fees associated with the plan and the investment options it offers.

Avoid Social Security missteps If you can attain an early retirement age without depending on Social Security, you’ll avert the potential mistake of reducing your overall benefits. Hobson urges our hypothetical retiree to wait until the full retirement age -- 66 or 67, depending on year of birth-- before tapping benefits. “And it may make sense to wait even longer than that,” she says.

Social Security missteps also top Kitces’ list of worries. He says retirees who work part time need to be aware of the earnings test for Social Security benefits. While retirees who work part time can gain valuable extra income, working too many hours can trigger the earnings test for Social Security benefits.

Benefits are withheld for retirees who earn too much money in any given year before their full retirement age. (You can find out more at the Social Security Administration website.)

“This isn’t necessarily a bad thing,” Kitces says. “Social Security benefits that are delayed due to the earnings test do lead to higher benefits later.”

However, if your part-time income is too modest to fully support you, even if it is substantial enough to trigger the earnings test, you might need to tap your portfolio a little more -- and a little sooner -- than expected, he says.

Consider working part time Working part-time or doing some consulting work affords early retirees a way to earn some extra cash while building up their Social Security benefits.

“Retirement doesn’t have to be an all-or-none situation,” Kitces says.

Earning a little income on the side allows you to keep your portfolio growing without making withdrawals from it, Kitces says. (But if you opt to take Social Security early, just remember not to work too many part-time hours before full retirement age, or you could end up reducing your Social Security benefits, as we mentioned earlier.) Hobson sounds the alarm about withdrawing 4 percent from your portfolio annually, saying it “may not be advisable, depending on market conditions.”

The combination of market losses and withdrawals can decimate a portfolio. Retirees can protect themselves by positioning the portfolio conservatively or waiting until the market recovers before taking withdrawals. A financial planning professional can help design a portfolio for capital preservation with some room for growth.

For Contact Us:-->

Carnick & Kubik

675 Southpointe Court, Suite 102 • P.O. Box 7

Colorado Springs, CO, 80901-0007

(719) 579-8000, Toll-Free: (800) 447-8181

info@Carnick.com

https://carnick.com/

http://www.bankrate.com/finance/retirement/early-retirement-age-can-you-retire-at-62-1.aspx

[cashforcar-junkcars]

Cash for Cars Leawood Kansas-Your Go-To Solution for Selling Junk Cars

Selling a junk car can be a daunting task, especially when you have to deal with various potential buyers, endless negotiations, and the hassle of transferring ownership. However, for residents of Leawood, Kansas, there's an ideal solution that simplifies the entire process: Cash for Cars Leawood Kansas. This service not only provides a convenient way to get rid of unwanted vehicles but also offers a fair cash value for your car, regardless of its condition.

Why Choose Cash for Cars Leawood Kansas?

When it comes to selling a junk car, you want a process that is quick, efficient, and stress-free. Cash for Cars Leawood Kansas stands out because it delivers on all these fronts. They offer an easy-to-use service that takes care of all the details, from evaluating the car's value to handling the paperwork. Whether your car is old, damaged, or simply no longer running, you can trust them to provide a fair and honest offer.

One of the significant advantages of choosing Cash for Cars Leawood Kansas is the speed at which the transaction is completed. Unlike traditional selling methods, which can take weeks or even months, this service aims to finalize everything within a day or two. This quick turnaround is perfect for those who need to free up space in their driveway or get some extra cash in a hurry.

The Process of Selling Your Car

Selling your car through Cash for Cars Leawood Kansas is straightforward and involves just a few simple steps. First, you need to provide some basic information about your vehicle, such as its make, model, year, and condition. This information helps the service to assess the car’s value accurately. You can usually do this online or over the phone, making it extremely convenient.

After receiving your car's details, Cash for Cars Leawood Kansas will give you a quote. This quote reflects the current market value of your vehicle and is guaranteed to be fair. If you accept the offer, they will arrange a time to inspect the car and finalize the deal. This inspection is usually quick and confirms the information you provided.

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Testimonials from Satisfied Customers

Don’t just take our word for it. Many customers have had positive experiences with Cash for Cars Leawood Kansas. Jane M., a resident of Leawood, shared her experience: “I had an old car that was just taking up space in my garage. I contacted Cash for Cars Leawood Kansas, and the process was so simple. They gave me a great price and took care of everything. I couldn’t be happier.”

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Conclusion

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Cash For Cars-Junk Cars 131 W Dennis Ave St, Olathe, KS 66061, United States 913-594-0992 https://goo.gl/maps/4V3U1NuKhnffJihw5

[cashforcar-junkcars]

Get Top Dollar with Cash for Cars Leawood Kansas

Are you searching for the best way to get top dollar with Cash for Cars Leawood Kansas? Look no further than Cash For Cars-Junk Cars. Our premier service specializes in providing top-notch cash offers for vehicles of all makes and models, ensuring a seamless and profitable selling experience for Leawood residents.

Why Choose Cash for Cars in Leawood, Kansas?

When it comes to selling your car for cash in Leawood, Kansas, choosing Cash For Cars-Junk Cars offers unparalleled benefits. Here's why:

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No Repairs Necessary: Worried about the condition of your car? Don't be. At Cash For Cars-Junk Cars, we buy cars in any condition, whether they're running smoothly or in need of repairs. You can sell your car as-is and leave the rest to us.

How to Get Cash for Cars in Leawood, Kansas

Ready to get cash for cars Leawood Kansas? Follow these simple steps:

1. Contact Cash For Cars-Junk Cars

Start by reaching out to Cash For Cars-Junk Cars to schedule an appraisal. Provide detailed information about your vehicle, including its make, model, year, mileage, and condition, to receive an accurate quote.

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Once you've received a valuation, schedule an inspection with our team. We'll assess your car's condition and features to provide a final offer.

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Feel free to negotiate the price to ensure you're getting the best deal possible. Our team is committed to transparency and fairness throughout the process.

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Tips for Maximizing Your Cash for Cars Experience

To ensure a smooth and profitable transaction, consider these tips:

Provide Accurate Information: Be honest about your car's condition to receive an accurate valuation.

Gather Necessary Paperwork: Have your title and any other relevant documents ready for the sale.

Clean Your Car: Presenting a clean and well-maintained car can increase its appeal and value.

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Conclusion

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Cash For Cars-Junk Cars 131 W Dennis Ave St, Olathe, KS 66061, United States 913-594-0992 https://goo.gl/maps/4V3U1NuKhnffJihw5

[cashforjunkscarsot]

Get your space free and earn cash from your old car to Cash for Cars in Leawood Kansas.

[kansascityhappenings]

KC repairman demands more money then charges thousands for shoddy home repairs

KANSAS CITY, Mo. — Diana Clarke thought luck had landed on her Waldo doorstep in the form of a repairman offering to patch her leaky roof.

“I said, ‘How much?'” Clarke recalled. “He said $200 to patch it with a piece of expensive covering. I said, ‘Yes, lets do it.'”

The man at her door seemed so kind that she also confided to him her furnace wasn’t working and she needed a new flue pipe. She told him she couldn’t afford the last $1,200 estimate she’d received.

He told her could do the work for $300. A thrilled Clarke ran to the bank and handed over $500 in cash for both the roof repair and the flue pipe.

Diana Clarke

But within an hour, the repair guy said he would need more money. He said her roof needed to be braced and he’d need to spray for mold. Clarke said she told him she didn’t have any more money.

“‘Well, we are going to help you out,'” Clarke said she was told.

That’s when Clarke said he asked for any debit or credit cards she might have. She handed them over thinking there wasn’t hardly any money on any of them.

But she was wrong.

That’s how a $500 home repair ended up costing Clarke more than $3,000. She said she didn’t even realize how much money they’d removed from her bank account until she received an overdraft notice from her bank.

Plus, if you look at Clarke’s home, it’s hard to understand where all the money went. Her new flue pipe appears taped together. Her furnace still isn’t working, and that repair on her roof is just a tarp. A neighbor had to put bricks on it because it was starting to fly away.

Clarke’s roof, covered in a tarp

And it gets worse.

The repairman keeps coming back to her house and angrily knocking on her door — something the camera on her door bell recorded. The repairman claims Clarke owes him another $1,500 for all the work he’s done.

If she doesn’t pay: “They are going to take my house,” Clarke said. “They are going to take everything I own. They are going to put a mechanics lien on my car.”

She said that twice, when she was pulling out of her driveway, the repairman and his crew pulled up behind her so she couldn’t get out.

They only let her go because she told them she was headed to the bank to get the cash. Instead, she went to police, accusing the company of defrauding the elderly.

“I’m just really tired,” Clarke said. “I want it to be over.”

FOX4 Problem Solvers did a little digging on the company Clarke hired: All American Roofing in Osceola. It’s run by Kenneth Collins and his sons, Stephen and Ken Jr. All of them have criminal records.

A former mugshot for Kenneth Collins

Problem Solvers couldn’t find a Kansas City business license for the company. It also wasn’t registered with the Missouri Secretary of State’s office.

We asked Top Notch Heating and Cooling out of Leawood to check out the work on Clarke’s sketchy looking flue pipe. The news wasn’t good.

“The double wall vent should lock together, but it was just crammed in,” said Matt Arenholz, field operations manger.

Arenholz said the work was so poorly done, that Clarke is lucky that carbon monoxide hadn’t started leaking.

Pyramid Roofing took a look at the repairs to Clarke’s roof. New joists had been placed under her roof by All American Roofing, but the only repair to the top of the roof was that tarp — a temporary fix that won’t last more than a few months.

“There’s a lot going on up there that needs to be corrected for it to be a legitimate repair,” said Heath Chitwood with Pyramid.

FOX4 then called Kenneth Collins to get his side of the story. We told Collins about all the problems we’d found. He said we were “full of s**t” and hung up.

Just another reason to add Kenneth, Stephen and Ken Jr. to the FOX4 Problem Solvers Hall of Shame.

Here’s the good news: Pyramid agreed to repair the roof for free, so Clarke will no longer have to rely on a tarp to protect her. Top Notch offered to remove and replace that dangerous flue pipe for free, too.

“We try to help out when we find someone like this who is in need,” Arenholz said.

The company also gave her furnace a complete cleaning. And for the first time in more than two months, she has heat.

Clarke said the whole experience has taught her a valuable lesson about who to trust in home repairs. It’s rarely ever the company knocking on your door.

from FOX 4 Kansas City WDAF-TV | News, Weather, Sports https://fox4kc.com/2019/03/13/kc-repairman-demands-more-money-then-charges-thousands-for-shoddy-home-repairs/

from Kansas City Happenings https://kansascityhappenings.wordpress.com/2019/03/14/kc-repairman-demands-more-money-then-charges-thousands-for-shoddy-home-repairs/