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novelistash · 4 years ago

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Lex Evans

Continuing my compulsive catalogue of fictional lives that I didn't come up with.

After the wedding, Ayla took Lex golfing and admitted that she had created distance with Lex ever since she'd made a move on her. They became besties again. At the age of 31, Lex sold her town home, so she could focus on renovations on her and Ariana's equestrian ranch home.

Throwing party after party, Lex realized she wasn't just hilariously addicted to Bahama Mamas, but simply addicted to alcohol. She went to AA, but got nothing from it.

While long boarding and drinking Mai Tais Ayla admitted to Lex that she'd been offered opium and seriously considered using it. Lex said she was glad Ayla didn't go down that path.

At the age of 34, Lex became a Sr. Environmental Scientist, but her real job was dumping hundreds of thousands of dollars into Arian and Lex's mansion.

The days all started to bleed together, and Lex drove all the way to work before realizing it was Saturday. Lex suspected that the drinking was getting in way of her memory. Remembering her luck with spiritualism in the past, Lex found a Witch Doctor to help her with her alcoholism. She ate a raw Komodo Dragon Egg. After purging most of her stomach, the thought of liquor made her sick.

Ayla's continued drinking pulled Lex and her apart, and Clive became Lex's new bestie.

While at the record store with Ayla, she talked about opium again, saying that her new bestie was smoking it around her. Lex told Ayla she was glad she wasn't using it, but Ayla got quiet instead. Lex was pretty sure she was going to try it.

At the age of 39, Lex accidentally scored on her own goal while playing soccer. Everyone laughed for ten minutes. She sold her old BMW and bought a used Suburu. Ariana renewed their vows and adopted Carter, 3 year old whose father couldn't afford to pay for his medical bills. Lex bonded with Carter by doing yoga with goats.

Carter called out "mama" and Lex and Ariana laughed when they realized they didn't know who he was asking for. While buying new clothes, Lex tried on a stranger's coat. She was caught and left the store in humiliation.

Carter had his first day of school and Lex's niece Kylie was old enough to get a job as a receptionist. Lex reflected on how awesome human beings actually are. After playing laser tag with Carter and Archie's family, Lex and Archie became best friends. Lex's friend Eleanor talked her into crashing a wedding. She didn't remember how it ended, only that she was back at home puking in the garden bathroom so Ariana wouldn't know she was drinking. Lex went to a hypnotist to overcome Alcoholism and it worked. Picking up a bottle of champagne only made her think of maple syrup.

At the age of 42, Lex's niece Hazel graduated secondary school. At the graduation party, someone told Lex to shake her money making, so she shook Ariana. Lex gave her nieces $10,000 each. (Kylie getting money for the graduation she'd been too drunk to attend!) While playing bingo with Ayla, she admitted that she'd been cheating on her boyfriend. Lex told Ayla that she'd always be there for her.

Hazel became a Jr. Flight attendant and moved out of the house. Lex housed a celebration at the mansion and she was offered ritalin. Lex turned them down. Lex wrote up a will that named Ariana and Carter as the sole inheritors.

At the age of 44, Lex was sexually harassed at work. Her coworker Michael pulled her shirt off in front of everyone. The supervisor fired Michael. The Evans family started going house shopping.

At the age of 46, Lex's mother got very sick. She took her mom to Dr. Cooper and he treated her diarrhea, caused from contaminated lettuce. The lettuce outbreak had originated in Indonesia. This got Lex thinking about social responsibility, and she decided to run for School Board Director. She ran against Angus White and lead a clean campaign. After knocking on 1000 doors, Lex lost the election. Ariana took the family to Thailand to help Lex get past the sting.

At the age of 47, Lex had another brush with death! While hiking off trail, she slipped into quicksand! Lex remembered her swim team days and swam out of the pit. She was in there for 8 minutes. Contemplating life, she read her step brother Kobe's journal. Kobe found her and Lex apologized. Lex decided that she needed to downsize her life. She needed to get out of that mansion.

At the age of 49, Lex's mother passed away of natural causes. Lex and Kobe both inherited $2,618,526. Lex finally found a buyer for the manision, and sold the property for 4.3 million. They moved into a midcentury home with 3 beds and 2 baths. Carter was starting secondary school, and Lex gave him $10,000 to spend how he wished.

At the age of 50, Lex celebrated her 20th anniversary with Ariana. They laughed about the prenup. Ariana encouraged Lex to keep running for office and Lex realized she could do anything she set her mind to. Lex caught the flu, but recovered after a trip to the doctor.

Lex's niece Kylie married her college boyfriend. Though neither were unemployed, Kobe had the funds to pay for the wedding. Lex's friend Eleanor convinced her to start drinking again. Lex spent a lot of time with wannabe sommeliers, and dealt with a very real relapse. Lex went to AA and found the strength to throw out thousands of dollars of premier wine. Lex and Elanor got into a fight about the perfect crotch shape, but they both knew it was about drinking.

At the age of 52, Lex lost her step father. He had a stroke in the closet and Lex found him dead. The thought of dying alone in a closet haunted her, making her uneasy about staying in windowless rooms. Ariana talked to Lex about the future at a local park, and Lex decided to run for School Board Director again. She ran a clean campaign against Sophia Johnson, but someone called Ariana a biznatch! Lex called the man a troll and won the election. Lex held energetic rallies about education and the environment.

At the age of 53, a provocative intern tried to hook up with Lex while they were working late. Lex turned him down, but she had been turned on. She talked to her wife about the pros and cons of becoming swingers. That following morning, she planted a cucumber garden.

Carter graduated secondary school and Kobe retired. teen pregnancies were becoming an issue in Lex's school district, so she mandated contraceptives be available. Lex held a rally to dispel the myths about contraceptive encouraging pregnancies.

A friend of Lex's wanted Lex to put her on the payroll without having her do any work. Lex offered her a job as a lead janitor instead and she stopped talking to Lex. Carter asked his mothers if he could study finance at a university, and they encouraged him to live his life how he wanted. Lex went to a bar with Ariana, and was able to stop after one drink.

Kobe's daughter, Hazel, married Jayden Roberts, a restaurant worker. While dancing at the celebration, Ariana fell to the floor. After taking Ariana to the hospital, she was diagnosed with cancer of the buttocks! Lex renewed her vows to Ariana. Lex read Kant's "Critique of Pure Reason," and found little reason for cancer to exist.

While at a masquerade ball, Lex flirted with a politician to grease the gears of government. Ariana was furious, but no amount of trying to explain the situation helped.

At the age of 58, Lex fell out of bed and hit her eye. She could see for 6 days. Lex's term as School Board Director ended. Ariana's cancer went into remission. Lex and Ariana went to Osaka, Japan to celebrate. Ariana forgave Lex for flirting and encouraged her to run for a second term. After another clean campaign against Hugo Miller, Lex won re-election!

Carter graduated uni and became a Jr. Stockbrocker. After a trip to the gym, Lex was diagnosed with a staph infection.

At the age of 60, Lex and Ariana celebrated their 30th anniversary. Ariana vowed to make more time for their marriage, by finally retiring. During the party Lex caught Kobe sneaking around in her room and the two got into an argument. Lex was the first to apologize even though she wasn't at fault.

Carter got promoted to Stockbroker. Lex was diagnosed with hemorrhoids and cherished naps above all other activities.

Kobe's daughter, Kylie came out as gay. Lex was offered a $3 million bribe and turned it down.

Lex finished her second term in office with a 100% approval rating. As School Board Director, Lex Evans was known for her energetic rallies. She tried to run a clean campaign for Mayor of Sydney. When she didn't deny the truth of her past with alcoholism, the public sided with 79 year old, Eli Epping. Lex went on a vacation to Machu Picchu with Ariana.

Lex spent $754,000 on an unsuccessful campaign, and then at the age of 65, retired.

Ariana and Lex moved to France to get away from the public eye. They bought an art deco home! They adopted a cat named Zorro from the animal shelter. Lex bought a used tesla.

At the age of 68, Lex lost her step brother Kobe after a stroke. He had refused to seak medical treatment, even though his hearing was going out.

Lex's life was dominated by renovating the art deco home. She missed her friends in Australia. Lex and Ariana argued about the nature of reality. Ariana thought it was a waste of time to talk about things like that.

Lex got into a car accident on the way home from her 40th anniversary, her butt got cut. She visited her friend Ruby in prison. Ariana started withholding sex. They both opened up about their fantasies on a trip to Venice, Italy, and things seemed to be back to normal.

Shortly after Lex's 71st birthday, her cat Zorro passed away. Lex and Ariana moved back to Australia, moving into an adorable cottage with 2 beds and 1 bath. Lex sold her tesla and art deco home in France, and bought another used Suburu. Though the move back to Australia helped Lex's mood, it had done nothing to help her relationship with Ariana. They were getting into fights about everything from video games to fishing laws.

Forty-two years into their marriage, Ariana asked for a divorce. Lex begged Ariana to stay. Even though she agreed, she refused to go to marriage counseling.

The next year, Lex and Ariana went sky diving and slowly things started to improve. It seemed like Ariana was simply bored with life, so Lex would try to be more spontaneous.

Lex and Ariana renewed their wedding vows after volunteering at a retirement home, something they both hoped they would never be in. Lex gave 0.74 carat diamond earrings to Ariana. She said the gift was an insult.

The day after Lex's 78th birthday, she witnessed a bank robbery! Within a year, her best friend and first crush, Ayla passed away. The doctor's said it was, "her time," but Lex felt strong and happy. Lex lost two more friends that year, and wondered if she was fooling herself and started to think about her bucket list.

Lex and Ariana's 50th anniversary was a solemn affair, as Ariana was suffering from bronchitis. Someone hacked into Lex's instagram account, so she deleted all her social media.

The 82 year old millionaire, Lex, wanted to run for office again. Ariana thought it was a waste of time and money. Lex ran despite Ariana's objections and lost. Ariana was back to withholding sex and it was like their life in France had been forgotten.

Lex sold their cottage for a modern home. The change in scenery helped Lex and Ariana move on from the drama of the past, but their marriage had become a sexless one. Lex brought up having a threesome or an open marriage to try and bring some excitement back into their life and Ariana was furious. She moved all of her stuff into a spare room.

58 years into their marriage, Ariana said Lex was too old to be attractive, despite being named Sydney's most attractive woman over fifty a year prior. Lex confronted Ariana about her being faithful, and Ariana admitted that she was seeing someone else. The two got a divorce. Lex Evans was now Alexandra Miller.

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allenmendezsr · 4 years ago

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Vending Business Tactics E Book!

New Post has been published on https://autotraffixpro.app/allenmendezsr/vending-business-tactics-e-book/

Vending Business Tactics E Book!

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Contact: 1-905-510-7597

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I Will Also Help You Get Your First Location Too!

If you don’t get a new lead or prospect in the first 60 days of implementing my system then Just Ask For Your Money Back!

That Is My Promise To You…

Dear Friend:

Hi my name is Chris Robertson and for the last 20 years I have been operating my very own profitable vending business in Hamilton, Ontario Canada.

Over the last 10 years I have helped thousands of people across the globe start their very own vending businesses themselves in their own local areas by providing them with the very best and up to date information about vending and providing them with the necessary tools to help them get started on the right foot.

Even The Guru’s Have Come To Me…

This picture was a live stage presentation that I did in December 2008 in front of 1300 of T Harv Eker’s students in Palm Springs California!

Today I will show you how you can take a simple soda vending machine and snack vending machine and make extra money for yourself so you can buy the things you want, provide a retirement income for yourself or just simply have extra spending money for the things in life that you enjoy doing.

The truth is that Vending is a great way to make easy cash! Yep! that’s right cash, because when your in vending you don’t have to wait for checks in the mail or wait until payday to get paid.

In fact you get paid each and every time to go and restock one of your vending machines. Also you don’t have to wait for your BOSS to maybe give you a pay raise when it comes time for your review.

You simply get a pay raise every time you place your machines on a new location and start making money.

The Vending Business Is A Multi-Billion Dollar Business and Is A Simple Business where literally anyone can create an income and you don’t need a University Degree to do it.

Hey, Listen I am probably a lot like you. I had a full time job for many years driving a city bus and when I built my vending business big enough then that’s when I fired my Boss.

Yep! That’s what the vending business can do for you.

How many people do you know have left a full time job where they had great seniority, made $50,000 per year and had an excellent medical and dental benefit plan and just one day quit?

Well that’s exactly what I did and the only way that I could have done it was because I built a highly profitable vending business from scratch.

…and I’ll tell you the down right honest Truth!

The Vending Business is a great business but you need to work at it to make it all come together!

It was like I can remember it yesterday, I was probably a lot like you working a full time job in a small town near my home in Hamilton, Ontario Canada. I had a job as a city bus driver and I made half decent money, had full benefits and pretty good working hours.

I thought I hit a gold mine when I first started at that job and I honestly thought that I was going to drive that city bus until I was 65 years old and then retire with a full pension.

Once I started getting my paychecks I just started spending. I moved out of my parents home, my girlfriend and I had a baby and then life hit me like a ton of bricks. Monthly bills and obligations, food, clothes car payments you name it things got real tight real fast!

The thing was though I was only 20 years old and I had my whole life ahead of me. The job that I had allowed me to work split shifts where I had about 4-5 hours off from work in the middle of each day for recreational time.

During that time I initially would just go home have a bite to eat and play with my son watch some TV. Then I would go back to work to drive the bus for the afternoon part of my shift. This was my routine for about 6 years.

It was then a friend of mine from work who was running the pop machine at the transit yard had asked me to take over the responsibility of restocking this vending machine. He was leaving the workplace to pursue another career path in the financial industry.

Long story short is that I started filling the pop machine each week with pop and bottled water. I knew nothing about vending. My friend had just showed me how to open the machine and how to load it with pop, then he showed me where to take out the money and that was it.

He had told me where he bought the vending machine and to just go there if I ever had a problem.

So needless to say I really had no idea what I was getting into. But as I went along each week filling this vending machine up with pop I started to realize how much money I was making for the amount of work that I was doing.

It wasn’t really all that hard to figure out.

It All Came Down To Simple Math!

and…The Minute that I Realized this Simple Yet Powerful Formula the Light bulb Went Off & I Never Looked Back!

Here is the simple yet powerful formula that got me motivated to get out there and start making Real Money In Vending!

I was selling 3 cases of pop each week out of my pop machine.

My profit was $16.00 per case sold which = $48.00 profit each and every week just from one vending machine.

…so then I thought what if I could set up 10 more vending machines and sell just 3 cases of pop each week from them?

That’s $480.00 Cash in my pocket!

How about 20 vending machines = $960.00 each week!

I Was All in for Vending!

When I really thought about it… for the amount of money that I was making each week I really only put in about 20 minutes of actual time and work to restock the machine and buy product.

In all honesty I was making $20 bucks per hour driving the city bus and I worked about 35 hours per week. By the time the government took their cut and the Union took their dues I was left with about $500 each week.

So I though about it and if I were to get out there and just get 10 locations to set up, the amount of time that it would take me to restock my machines and buy my products each week would be about 30 minutes per location.

That’s 10 locations x 30 minutes per location = 300 minutes which equals 5 hours of actual work and if you really think about it’s probably less.

So Let’s Get this Straight that’s 5 hours of work for $480.00 Cash!

hmmm… I was working driving the city bus 35 hours per week to make the same amount of money!

It’s definitely not rocket science to figure out which way to work is easier!

It’s true when people say your vending machines are working for you while you sleep. They are what I would like to call my… Passive Income Money Stream!

Once I had this realization I immediately went and talked to the vending distributer where my friend bought my pop machine. I asked a few questions and they guy who ran the place just told me to get out there and start knocking on doors to get some new business and my vending machines out on location.

Truth is… I had No Idea what on earth I was doing!

I had no business or sales experience and I didn’t even know what to say to people when I approached them about my business. I was literally stumbling over my words probably not making any sense at all!

But the cool thing is that I did get locations and started to build my vending business. When I started I initially just wanted to make some extra cash and keep my bus driving job.

But after a while once I had a few locations I began to think about vending as a full time income source of income and the possibility of quitting my full time job.

You see I knew that every location was different when it came to how much money that I was going to make.

I had some locations that made me $100.00 a week but then I had a few that made me $500.00 a week. That’s Profit Not Sales!

So I knew that this opportunity was real! Because I had seen it with my own eyes!

Look I’m not joking here! There is money to be made in vending and my example that I showed you earlier was just a taste of what you can make in the vending business.

I must admit though in the beginning I was stumped! There were a lot of other vending companies operating and for the most part many local businesses that I approached all ready had vending machines.

I was sure that it would take a long time to get enough locations to quit my day job and go full out in vending. But I knew in my heart that there must have been a way. After all how did all of these other vending companies get their locations.

Plus I had locations all ready making me good money, so I really just had to duplicate my efforts!

The Answer Was Simple! I Just Took Action and My Business Kept Growing!

Ask Yourself These 3 Questions

1. Am I looking for a business that I can work part time?

2. Do I want to make extra money to help pay for things like my monthly bills mortgage or rent?

3. Do I want to have extra spending money every week?

If you answered Yes to any of these 3 questions then Vending could be the answer for you!

Vending Has Allowed Me To Pay My Bills & Have Spending Money Each and Every Week!

I had heard stories of vending operators who raked in thousands each week all cash!

I knew there was a way…

So I started to do some homework and began to look deeper into different ways to expand and build my business.

I spent hours, days, weeks and many months diving in to learn what I needed to learn to build my vending business. and… I did just that!

The end result was that…

I had created a simple yet powerful vending business lead system that brought new prospects to me instead of the old way that I used to build my vending business by cold calling and chasing them.

The results were phenomenal and I honestly couldn’t believe that the next things that were going to happen to me did.

Don’t Let Anyone Tell You Anything Different – Hiring A Locating Service For Full Service Vending Is The Wrong Way To Go…

Keep reading…

As soon as I started to implement my new found vending business lead system things started to change. My telephone started ringing, e mails started to pour in and local businesses were actually calling me asking me to bring in my vending machines into their business.

Within an 18 month period I had literally exploded my vending machine business to new heights!

So today here I am 11 years later and I have acquired a wealth of knowledge not only about the vending business but more importantly…

How to take a business from start up to success in such a short time frame

…that even the newest person starting in vending could easily understand and implement in their own local area!

Use My System, Follow What I Tell You & Get Results That’s All There Is Too It!

All it takes is for you to start divulging the information that I have for you today and take Massive Action… If you follow my instructions the end result can be you getting new locations, setting up your vending machines and making money in the process!

If you can follow some simple steps and follow my Action Plan then you have a Blueprint to make money on demand in the vending business.

I am going to show you not only how to get Free Vending Machines but I will show you the easiest and fastest way to get new leads and locations!

Once you get local businesses contacting you inquiring about your vending services then you have many options at your finger tips.

Option # 1 – Sell the lead to another Vending Operator! – I sell my leads that are out of my working area for a price of $100 – $300 per lead. Now you can do the same.

Option # 2 – Set Up the locations with machines and sell the location to another Vending Operator. – I currently sell locations for $4000 – $5000 for a location with one pop and one snack machine on it.

Option # 3 – Set up the location and make money from the sales of your machines. Most of my locations make me anywhere from $75.00 – $100 per week.

Let Me Help You Get Your First Location! Check Out What I Have For You Today!

Don’t Skim By Bonus # 2 & 3 Either! This is The Most Critical Part To Your Success In Vending!

Here is what I have for you today!

First I have put together a complete Vending Business Training System.

I have put together a multitude of various information for you to divulge such as my vending Business Tactics e book, audio training lessons and even video coaching lessons for you to use and learn to start your very own vending business.

I have also thrown in some great bonuses that also include Personal Coaching and Direct Help from me to get you new locations so you can start making money in the fastest way possible.

This just isn’t some basic information about how to start or the types of vending machines to buy and for what price…

Yes that information is all in here but there is a whole lot more within my training system…

I have taken everything that I know about this business and structured it in such a way that literally anyone who is willing to spend some time to educate themselves and divulge this information has a serious opportunity to create an income for themselves in their own local community starting today!

There is nothing like this out on the market today!

I Know this Because I Dominate The Vending Business Training Space!

…and I don’t say that to try and impress you or anything

This is the reason why T Harv Eker’s Company asked me last year to speak and teach his students at his “Never Work Again” event in California to over 1300 of his students.

His students paid upwards of $2000.00 to attend this event.

Just Type T Harv Eker into Google and see what he is all about. He is one of the world’s leading thought leaders and experts in teaching people about wealth creation!

So Here is What I Have For You Today!

It all starts with a simple to read E Book that explains everything that I know about vending.

Vending Business Tactics!

In this e book you are going to learn the following:

How to find locations for your vending machines: I will show you 6 ways!

How to get your vending machines for FREE!

How to get started even on a tight budget!

How to buy your machines for the best price and where to find them cheap!

How to get your prospects to call you first!

How to avoid paying commissions to your locations!

What vending machines are the right ones to buy!

How to spot vending opportunity scams & avoid them!

How to rent your vending machines instead of buying them!

How to pay off your vending machines quickly!

How to make real money in vending!

How to get your locations to subsidize the sales of your products!

How to keep any competitor away and never lose a location!

How to maintain your vending machines to keep them running for the long haul!

New versus used vending machines. The difference and pricing!

How to expand your services to your locations and make more money!

How to sell your locations, leads or even machines to make the most money!

Business Licensing & Registration!

Transporting your vending machines!

How to keep your costs down.

How to get more referrals to expand your business.

All of my information will apply to you whether you live in the United States, Canada or across the globe!

Next I have put together some Very Special Bonuses that will I believe will enable you to make even more money in your vending business. I have structured these bonuses in a way that will not only teach and train you through some personal coaching plus a series of audio trainings and even video coaching to help you start your vending business on the right foot.

* I have also put in a very special bonus to help you get some new locations for your vending machines! Just to make life a little easier for you.

Here they are below.

Chris’s Fast Action Bonuses!

Bonus # 1

Free 30 Minute Coaching Session With Me!

This is where I will get right down to work with you to develop your game plan for starting your vending business on the right foot! I will exhaust all resources to get you start making money as fast as possible!

I will also record the session and send it to you so you can listen back to it anytime you want!

Value: $165.00

Trust me you will learn more in this coaching session than most vending operators working their business know today!

I’ll tell you right now that many people that get started in the vending business without taking the time to learn and educate themselves before diving in, some will end up making costly mistakes. But I don’t see you making those mistakes today because once you become a student of mine you will have direct access to the best information about vending on the market today!

Trust me this Bonus above is what is going to make your life a whole lot easier. I’ll tell you right now that the most common question that I get during all of my Vending Business Training calls is “How do I get good locations?” Well this Bonus is the answer!

Bonus # 2

If You Want Locations Then This Is An Easy Way To Get Them and I’ll Do All Of The Work For You…

I am going to put together an Action Packed Video for you to help you get Prospects calling you for your vending services in your local area!

I will create the video, put music to it and put in your phone number or website information. Plus I will Upload It to You Tube and Focus On Ranking It In Google For You. Just tell me what contact information you want in there and I’ll do it.

This is a quick one minute video that I got ranked into Google page # 1 in my local area. Local businesses who type in keywords into Google looking for vending services can now find me by watching this video and then contacting me to inquire about my vending services.

This Will Help You Get Your First Location!

Value: $500.00

BONUS # 3

Vending Business Locating Audio Training Lesson!

In this30 minute audio training lesson you will learn how to cold call potential locations in your community. I role play with you telling you the exact words to say to your prospects about your vending service company and also how to follow up and close the deal on your potential locations!

Value $197.00

I wish someone would have shown me how to approach potential vending locations and shown me what to say to people when I walked in years ago when I first started. Now you will have access to the best prospecting and locating information out there.

Bonus #4

Office Coffee Secrets E Book!

Selling Office Coffee as a service to your locations can make you some excellent cash! It’s easy to do and a lot of my locations give their staff Free coffee.

I will show you how to make an extra $500 per week by just dropping off a few cases of coffee and some other coffee products to your locations!

This is an easy to read E Book that you can read right on your computer!

Value: $27.00

Selling Office Coffee is Easy and is Great Money! In fact I know other vending operators that almost exclusively have changed their business from vending to ALL Office Coffee. The reason being is that the brewers are easy and simple to set up and local businesses spend a fortune purchasing coffee for their staff.

Bonus #5

Water Cooler Rental Secrets Audio Training Lesson!

How would you like to learn how to make $35.00 over and over again each and every month from each water cooler that you set up?

The best part is that this is a set it and forget it systemthat runs on auto pilot!

Virtually Maintenance Free!

I am going to show you how to do it 10, 20 & 30 times over!

Value: $67.00

Just take a moment and think about if you only had 20 water coolers in local businesses in your area on a rental basis?

20 water coolers x $35.00 per month = $700.00 per month

Think about that! Even if you only had 1 water cooler out on location your investment in my product will be paid for in less that 60 days! Is that cool or what?

Bonus #6

I’m Handing To You…

10 of My Very Best Business Proposals!

These are 10 of my very best proposals that you can start using in your vending business today. Just simply edit them the way you want and use them as you please!

Value: $97.00

These proposals are the exact ones that I use in my business today to close the deal on new locations. You get them today and can start using them in your business. They are laid out on a Microsoft word document so that you can simply plug in your information and then print them or e mail them to your prospects. It’s that easy!

Bonus #7

Kitchen Supply Selling Strategies Video Tutorial!

You Get Instant Access To Week # 7 of My

Vending Business Video Coaching Program.

This is where I show you my exact system for making more money at each of your locations without spending a dime selling Kitchen Supplies to your accounts.

In this Very Special Video Tutorial I show you how you can make an extra $900.00 per month from just selling a few products each week to three of your vending accounts!

Value: $97.00

Total Value of All My Bonuses = Over $2000.00

One Payment of Only $47.00

Once You Order I also have A Very Special Bonus for You! – Exclusive VIP Access to my Monthly Coaching Q & A Vending Business Training Teleseminars! Your In FREE!

I have included this bonus simply because you have shown me that you are a person who takes Action in their life! The fact that you took the time to read my sales letter today and made it to the bottom of this page shows me that you want to make a difference in your life!

So once you take Action and become a student of mine… Then you will reap the rewards greatly for receiving personal help from me during my Monthly Coaching Q & A Vending Business Trainings Calls absolutely Free!

This is where you have direct access to me to ask me any questions that you want!

If you are still sitting on the fence here are what some of my students are saying!

Chris,

Your information saved us $20,000 as we were in the “process” of buying some machines from a company that really hyped up their business. Luckily your timely information nailed it for us as we didn’t follow thru with the final process!

Thanks Again! Janice Baron

Chris,

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Dear Chris,

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p.s. What I have put together for you in this up to date product in my opinion is by far the best information out there on the market about the vending business.

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mysydneymemories-blog · 6 years ago

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Why Boomers can't talk about the 'R' word

One reason is a bloke who lives nearby. I don't know him well we've never got much past banal chats about the weather or footy but he hasn't had a job for a few years. I suspect he might have been "let go". Or simply retired. He appears a bit lost, like a man chasing things to do. His bins go out earlier than before. Takes his time over domestic chores. He grew a beard, too, which was a mistake. It's all grey. Makes him look much older than he is. Like a slimmed-down Hemingway. Seeing him, I've opted to keep shaving. Then there's the man I'll call Gary, with whom I worked over several decades. I left; he stayed. I caught up with him a while back. He said he felt under pressure at work and was taking medication for stress. The job was killing him. He had to get out. He did, months later. Then I saw him again at the funeral of another former colleague. He'd put on weight. His face looked puffy. Asked about life since escaping the office grind, Gary replied: 'I don't know what to do now. Wonder if I made a hideous mistake.' Asked about life since escaping the office grind, Gary replied: "I don't know what to do now. Struggle to find reasons to get up. Wonder if I made a hideous mistake." This felt like another warning. Was this what happens when you move from full-time work to no work at all, or bits and pieces of stuff you call work? Is this what retirement looks like? A financial guy had already talked me into a transition-to-retirement scheme. I'd focused on the transition, not the r-word. Skimmed over the bit where a payment was called a pension. But the fact was I'd gradually moved transitioned from a Monday-to-Friday job to a four-days-a-week-job, then to several smaller jobs, not all of which involved earning money. During the four-day phase, Wednesdays were mine. For dog walks. Swims. Shopping. Cooking. Stuff. I loved Wednesday. It was a peaceful island in the midst of a fast-running river I had to cross every week. A place to take stock and not answer calls. But maybe Wednesdays were special because of what came before and after. If I had a week of Wednesdays, things would seem different. I could end up with a bad case of the Garys. Perhaps I'm being unfair to him. It's possible he was just having a bad day at the funeral, which was a shocker. Too long, too many speeches, and a prevailing sense that we were there for a popular man who'd had a heart attack while riding his bike with mates. He was 51. Much younger than me. And still 14 years off what used to be set in stone as retirement age. That's how it was: you hit 65, retired, went off and played golf or got a caravan. Or a Winnebago, like Jack Nicholson's character in the 2002 movie About Schmidt, which explores what happens to Warren Schmidt after he retires from an insurance company. Early scenes show Schmidt counting down the last hour of employment and enduring awkward speeches at his office farewell. Then he's hit by a double-whammy: the sudden loss of his wife and a lack of purpose. He takes off, alone, in the Winnebago, in what becomes a kind of oldies' road movie. It makes poignant viewing now. Nicholson's last film came out in 2010. Since then, rumours have swirled about his health. In 2013, he told Vanity Fair he didn't consider himself retired, just less driven. Appropriately, About Schmidt came out the year Nicholson turned 65 the age still linked with the r-word. It's actually an outdated historical construct.

Appropriately, the film "About Schmidt" came out the year its star, Jack Nicholson, turned 65 the age still linked with the r-word.Credit:Alamy In Australia, a government-funded retirement pension dates back to 1909, when it was paid to men from the age of 65. For women, the magic age was 60, from 1910. These pensions, to support ageing victims of tough times from the 1890s, included income and residency tests. They didn't represent a crushing burden for the government, as just 4 per cent of the population was over 65. Life expectancy was about 55 for men, 59 for women. Today, by contrast, about 15 per cent of Australians are over 65 and life expectancy has leapt to about 80 for men and 85 for women. For any budget-conscious government, that represents plenty of potentially costly retirees. And they can be a cranky lot. Hence Prime Minister Scott Morrison's backdown late last year on the Abbott-era plan, from 2014, to increase the pension age from 67 to 70, starting in 2025. Steady increases in age eligibility would have seen it hit 70 by 2035. This was portrayed as a move by penny-pinching politicians to force honest folk to scrap retirement plans and work until they dropped. Doing his man-of-the-people impression, Deputy PM Michael McCormack told Sky News: "If you're a tradie or a brickie or a shearer in rural and regional Australia, you don't want some suit in Canberra telling you you've got to work until you're 70." Absolutely not. Labor didn't protest about this as much as might have been expected, because it was under then prime minister Kevin Rudd in 2009 that the pension age was lifted from 65 to 67 (from 2017). Rudd's treasurer, Wayne Swan, acknowledged the move would never be popular, but justified it by saying Australia faced a "demographic time bomb". An estimated 22 per cent of the population will be over 65 by 2057. The Council on the Ageing (COTA) says 7.9 million Australians, almost a third of the population, are currently aged 50 or above. Of these, 29 per cent of those still working think they'll never retire. Not surprisingly, it also found that "the expected age of retirement increases as household income level decreases". The importance of financial security becomes clear when I type the words "Retirement in Australia" in the online catalogue for the local library. The first entries include books about the future of property investing and keeping your self-managed superannuation fund simple. These books, not to mention Enjoying Retirement, The Retirement Living Handbook and Women and Retirement ("Challenges of a new life phase") are also popular. Most are already out on loan, with at least one reserve in place. Which is understandable. It makes financial sense to borrow a book instead of buying it. And libraries are popular with older people. Then again, how old is old?

Hillary Clinton was 69 when she ran for the US presidency in 2016.Credit:AAP Turning 50 is the first tipping point, a convenient age for headhunters making shortlists shorter, or managers trimming staff numbers. It's when you're over 50 that you start to receive brochures about investments, superannuation choices and that once-faraway place called retirement. Not 60, when you may find yourself eligible for a Seniors Card (a tad embarrassing, but fabulous for cut-price public transport). Or 67 (thanks, Mr Swan), when perhaps you'll put your hand up for a pension. It's 50. Ridiculous. Ken Rosewall was still winning matches in tennis tournaments in the early 1980s, just a few years shy of 50. And the three main contenders in the 2016 US presidential election Donald Trump, Hillary Clinton and Bernie Sanders were aged 70, 69 and 75 respectively. None are considered retirees.

Donald Trump was the oldest person to assume the office of US president, being 70 years, 220 days at his inauguration.Credit:AAP The retirement age, incidentally, varies considerably around the world. In Japan, which has the world's highest average life expectancy (just under 84), incentives may be offered to people to postpone a state pension until 70. In Brazil, the average retirement age is 56 for men, 53 for women. Brazil has generous pensions and a debt crisis. In France, the retirement age has been moved from 60 to 62; in Germany, it's 65 and seven months.

Royal Commissioner Kenneth Hayne. Just as the pension age is less fixed than it used to be, so is the concept of retirement. The titular character in About Schmidt struggles to adapt. All those years behind an actuary's desk were not fun, but what now? And why is it that some capable people still face compulsory retirement? Kenneth Hayne, who turns 74 in June, demonstrated impressive vigour and acuity heading the recent banking royal commission. He was able to take that on because he was deemed too old to continue sitting as a Justice of the High Court. Hayne had to retire from that job in 2015. Since a constitutional amendment in 1977, members of the Australian federal judiciary must retire at 70. The last judge not affected by this provision, having been appointed in 1976, was Justice Graham Bell. He retired from the Family Court of Australia in early 2015, aged 78, and took a swing at the new law on the way out: "These days, 70 is equal to 60 or 55 Judges should be able to go on till 80 provided they pass a medical inspection They are sent out to pasture too early."

Ruth Bader Ginsburg serves as a Justice of the US Supreme Court at age 86.Credit:AAP Three of the nine serving Justices of the US Supreme Court, including the legendary Ruth Bader Ginsburg, 86, would be gone if the US had a similar law. Here, it means that Geoffrey Nettle, who became a High Court judge in 2015 at the age of 64 (the oldest-ever appointee), will hit the mandatory retirement age in late 2020. He will serve a maximum term of just under six years, which seems a waste of a fine legal mind. It's possible we've been looking at all this the wrong way around. Instead of designating a retirement age, perhaps the question should be: how young can you get away with it? The devotees of a mantra called FIRE Financial Independence, Retire Early are reshaping ideas of what early retirement looks like. Forget your 60s; their goal is to bail out in half that time, or, in the case of J.P. Livingston, in your 20s. Instead of designating a retirement age, perhaps the question should be: how young can you get away with it? "I retired in New York City with just over $2.25 million when I was 28," she says on her website, The Money Habit. "I wholeheartedly believe that anyone can retire decades earlier than their peers." The secret, she says, lies in financial planning. (Luck and a solid financial base also help.) The FIRE movement started in the US but has since spread globally through myriad blogs and websites. A father figure is Jacob Lund Fisker, a Danish former nuclear astrophysicist, whose Early Retirement Extreme blog began in 2007. Fisker summarises his philosophy as "a combination of simple living, anti-consumerism, DIY ethics, self-reliance, resilience, and applied capitalism". The baton has now been passed to Peter Adeney, a Canadian. Writing as Mr Money Mustache, Adeney's ideas about very early retirement, which he achieved in 2005, age 30, gained so much traction that The New Yorker magazine profiled him in 2016. "Retirement, in his hands, is a slippery term," Nick Paumgarten wrote. "It doesn't mean playing golf or sitting on the porch. It is merely the freedom to do what he wants when he wants He disdains the idea of spending another minute of his life in a cubicle in order to afford a dryer or a Tesla." The profile described Adeney using a woodworking vice to squeeze limes. His wife, Simi, was quoted as saying: "I've gotten used to it all, but he's a weird dude." Maybe too weird. Last year, a Guardian article about the FIRE movement noted Adeney's influence but reported: "He and his wife divorced recently." Apostles of FIRE have firm ideas about what life should look like and it doesn't include employers. (Children are seldom mentioned, either.) Many have come from the financial or technology sectors and are resting on a solid base. It takes money to make money, or even save money. And as appealing as the idea of ditching a boss in your 30s may be, the question, even more daunting than for someone in their 60s, is the same: what's next? As nice as the idea of ending work in your 30s may be, the question, even more daunting than for 60somethings, is the same: what's next? For J.P. Livingston, "a successful and happy retirement is about changing chapters rather than one static image of constant adrenaline and adventure". But Fisker could be running out of steam. In February, he diverted blog visitors to Bertrand Russell's 1932 essay In Praise of Idleness. Russell is an unlikely poster boy for early retirement. He died aged 97 and was still writing into his final years. Anne Moore would love to follow suit. A social scientist and entrepreneur, she tells me from her Sydney office how she started a software business "at 57, mid-career". Later, she founded PlanDo, which offers career coaching and advocates embracing the idea that careers are no longer linear starting with a junior role and ending at 65 with farewell handshakes. She talks of the much-hyped "gig economy". "People don't retire any more," she argues. "They are working into their 70s." Or longer. Like many women, Moore juggled different sorts of work with raising a family. She thinks the random, disjointed careers familiar to women may become the norm for everyone. Retirement, she insists, "was never, ever on my horizon. I come from a working-class background and always had a strong work ethic. Just as the idea of being a young stay-at-home mum was never attractive, it never occurred to me that I would retire." Work, she says, can inform a sense of identity; can even be noble. The quest is to find work paid or otherwise that is purposeful and fulfilling. And it means thinking about work in different ways.

ABC newsreader Ian Henderson was happy to retire at 65.Credit:ABC Despite the rigidity applied to judges, ideas about retirement are, as Moore suggests, becoming more fluid. And I'm not the only one who resists the r-word. ABC Radio's Jon Faine recently announced that this year would be his last behind the microphone in Melbourne. He told a caller who rang to lament his pending departure, "I'm not retiring. I'm just going to be doing other things." Faine, now 62, says of his decision to move on: "Inside my head it is very important. I hope to still stay engaged, useful and busy, but not in an all-consuming job like this." I've heard many people ranging from cricketer Mitchell Johnson to former Victorian premier Jeff Kennett express variations of the same sentiment: once you start talking or thinking about retirement, you've already gone. We all thought Malcolm Turnbull was gone when he was deposed as prime minister last August. He even suggested he might go quietly. Then he went to New York. When he returned in October, he declared: "I'm not engaged in politics any longer. I'm retired." Hmmm, maybe At least Turnbull didn't shy away from the r-word. Another who didn't was Faine's former colleague Ian Henderson. Late last year, at the traditional age of 65, the Victorian TV newsreader declared that after 38 years at the ABC, it was time to embark upon "a long-hatched retirement plan". A key component was "a bush block; a couple of acres to play with". He calls me from there to discuss his new life. He'd talked of retirement, he says, because it was something people could grasp onto and understand. "I was informed partly by memories of my own father, who retired at 65," says Henderson. "He was a commercial traveller, a Depression boy; got one job and stuck with it. By the time he got to retiring, he was very much over work. I think he saw ahead a golden age that was perhaps not quite realised ... His idea of renewal was to build a dream home, something he did twice. He withdrew from the community, became quite isolated. To me, that was something of a cautionary tale." I was conscious that I needed a few things to fill the void; occupy myself. But it's also good to survey the horizon, see what's out there. At the bush block, Henderson says, "there's no shortage of projects; [my wife] Susie and I are consumed by them." So too, their adult children. There's a tiered organic vegie garden. And he's taken up baking bread. "I was conscious that I needed a few things to fill the void; occupy myself. But it's also a good idea to survey the horizon and see what's out there." Since he left the newsroom he's been spotted back at the ABC, doing some work for Catalyst. So has he un-retired? No. "When I stopped, I did not rule out dabbling in other projects. But I was not looking at a second career. My criteria for new things are that they are interesting, worthwhile and fun." The Catalyst project, which involved chatting to centenarians with a strong sense of purpose, ticks all those boxes. I'd thought he might fit the old stereotype of retirement: out at 65 to play golf. Hendo loves his golf. A knee problem, however, has restricted his time on the course since he stopped reading the news. Still, he declares himself "soooo busy there often aren't enough hours in the day". Later, he sends a photo of his tomato plants. With a caption: "My Babies". Some women like Sally, whom I've known for more than 40 years choose to reshape their lives. She did this once before, moving from the corporate world to a career teaching English as a second language at a high school. She stopped doing that around the time she turned 60. "If pressed, I would say that I'm retired in one sense of the word. But I'd rather say I'm just living in a different way. I've not withdrawn but restarted." I'm retired in one sense of the word. But I'd rather say I'm just living in a different way. I've not withdrawn but restarted. She expands on the theme: "I still derive an income, but not through recognisable activity what some call work. My income tax statement looks different. I still have goals and monitor my own performance. I am making different types of connections with people whom I wouldn't call colleagues or friends, but who share similar interests. I describe myself as 'occupied' rather than busy, because busy is a state I was constantly in as a teacher for 13 years. "I occupy myself now with activities which are of my choosing, including new activities for fun and out of curiosity. I have time now although I haven't fully capitalised on it yet for listening to more classical music, reading more widely and broadening my exposure to culture." She's working on a family-history writing project. She's tried ballet. ("It's meant to be an absolute beginners' class, but no way are they all beginners. Especially that 11-year-old with her hair in a bun, a pink tutu and pointe shoes!") And she's considering a beginners' hip-hop class. "I am having fun and have absolutely no regrets." American futurist Glen Hiemstra addresses the "what next?" question in this way: "The first quarter of the 21st century will see a great reinvention of the third phase of life, away from classic retirement and towards something like 'life fulfilment'. The end of retirement and beginning of life fulfilment may be a kind of liberation." Or, as an ad puts it: Shouldn't your retirement be the start of something new? Sure. But what, exactly? There are all kinds of possibilities and no simple solutions. In search of answers, or perhaps just some interesting questions, I enrolled in philosophy classes early in my not-retired life. I ended up doing two terms, which seemed like enough when Rudyard Kipling's poem If was wheeled out for inspiration. The classes taught me the value of pausing; of taking time out, even for just a few minutes, to dwell on the moment. And I liked the notion that anxiety can simply mean thinking about the future. Wondering, and often worrying, about what may lie ahead. I never told the Tuesday-night tennis guys that, for much of one year, my Wednesday nights yes, Wednesday, once my special day were occupied pondering topics like The Power of Beauty. I have lunch with Michael the lawyer in the city, not far from his office. He can't recall me losing my cool over his repeated jabs about "retirement". That's not surprising: it was some time ago. It also confirms that the incident meant more to me than him. He agrees the concept of retirement has changed dramatically since we both started working in the 1970s. It's something he's pondered, too. A few years ago, he was politely nudged out the door of the big law firm where he'd been a partner. Experience can matter less than billable hours. He faced an unsettling period that left him convinced he wasn't ready to walk away. So he sucked it up and moved on. Talked to people. Got offers from smaller, more flexible law firms. He's doing fine. When he insists on buying lunch, I protest, politely, then wonder if he reckons I can't be earning much in my new life. Stop it, I tell myself, you're being too sensitive again. Later, I send a thank-you message and can't resist two last questions. Can he imagine retiring? And what would that look like? "No," he replies. "I think 'retire' will likely exit my and others' lexicon. We will all just gradually wind down work, tennis, our social lives and everything else, until we fade away." I tell him I hope this will be no time soon. "Fading away" is another type of transition; something more unsettling than what we've known. Perhaps we can keep talking about this at tennis again next Tuesday night. To read more from Good Weekend magazine, visit our page at The Sydney Morning Herald, The Age and Brisbane Times. Most Viewed in Money Loading https://www.smh.com.au/money/super-and-retirement/welcome-to-the-minefield-that-is-21st-century-retirement-20190409-p51c98.html?ref=rss&utm_medium=rss&utm_source=rss_feed

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lilac-milk-moon · 5 years ago

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Could Christian Healthcare Ministries be the solution your family is looking for?

Note from Mr. SR: Historically in the U.S., healthcare has been tied to employers. Americans age 65 or older can enroll in Medicare. Because of these factors, though, healthcare has become a big question in the early retirement community. You may feel caught in between two worlds if you are planning to retire before your 60s.

Since the Affordable Care Act passed in 2010, a few more options are available — although enrollees have had a mixed reaction to the affordability program.

So what’s an early retiree to do? There is certainly no one-size-fits-all solution, but one option to consider is a healthcare sharing plan or ministry. I think the word “ministry” is a bit of a technicality here — it’s really just an alternative to insurance. In the eyes of the government, it is not insurance, but it does satisfy the Affordable Care Act requirements for healthcare coverage.

I personally have not used Christian Healthcare Ministries, but I’m intrigued by the concept and I do believe that it is the best option for some. My friend Melissa from Perfection Hangover has been using Christian Healthcare Ministries, and saving a ton of money on healthcare costs, so I’m excited to share her review of her experience with you here today.

This is not a sponsored post, healthcare sharing is just a solid option that is worth considering. Melissa used Christian Healthcare Ministries, specifically, but there are other options too that Melissa lists below.

Remember the good old days when health insurance premiums were affordable, deductibles were low, and coverage was superb? Putting all politics aside, I think we can all agree that healthcare costs are rising and health insurance premiums for most people are a joke. That’s why my family uses Christian Healthcare Ministries instead of insurance.

Out of $60,000 in medical bills this year alone, we’ve paid $1,300 out of pocket (plus $175 per month for a family of five).

At $175 per month, that means we pay $2,100 in annual premiums, which is less than many people pay for a quarter of a year.

In fact, if you compare this to what we would have paid with a high deductible health account or even a standard health plan, it’s a fraction of the total cost. With any other plan, we would have blown through the out of pocket maximum, which would have cost us thousands of dollars.

In other words, I think my family is getting solid health insurance for a fraction of what we used to pay. Read my story and review about Christian Healthcare Ministries to to see why I will never go back to traditional health insurance.

What is Christian Healthcare Ministries?

Cristian Health Ministries is the first and oldest faith-based medical cost-sharing organization. It’s a non-profit organization in which Christian members voluntarily share each other’s medical bills.

To date, members have had over $3.5 billion worth of health care services paid for by the program.

Its mission is to “glorify God, show Christian love, and experience God’s presence as Christians share each other’s medical bills.” In simple terms, it’s Christians helping Christians pay medical bills.

There are no restrictions based on age, weight, where you live, and some pre-existing conditions are even covered.

By participating in a health sharing ministry, you are exempt from Obamacare requirements. For this reason, I have saved over $10,000 per year and haven’t faced a tax penalty due to lack of health insurance.

And the best part is that membership costs haven’t increased in 11 years! That means that you are essentially paying 2008 prices for 2019 health care, which is probably a lot less than what all of your neighbors are paying.

In fact, if my family would have stayed on my husband’s job’s health insurance plan, we would have paid $9,000 in premiums annually. That’s $9,000 that would have been taken directly from his paycheck for our health insurance.

That means we are able to invest thousands of extra dollars a year with all of the money we are saving on healthcare costs.

Is CHM too good to be true?

At first glance you are likely thinking that it sounds like Christian Healthcare Ministries will always be less expensive than traditional health insurance.

And for many people, it can really save them a lot of money the way it has for us. You’ll hear similar stories from a lot of current members. One other thing you’ll also notice is that many current members will say that the cost is only part of the reason they love CHM. After all, it is a ministry, so the religious aspect plays a large role.

When it comes to the cost, it’s 100% possible for traditional health insurance to be more cost effective than CHM, but it varies on a case by case basis.

For example, with a traditional health insurance plan, there is an out of pocket maximum after which point you’ll be 100% covered for all eligible expenses.

With CHM you’ll have to cover the “deductible” regardless of how much you’ve incurred throughout the year.

But don’t let this discourage you because you may still save big time, you just have to do your homework.

Current list of health sharing ministries

Christian Healthcare Ministries

Samaritan Ministries

Liberty HealthShares

Trinity Healthshare (for which AlieraCare is an exclusive administrator)

Medi-Share

Altrua HealthShare

All of the above are faith-based healthcare ministries, although Trinity Healthshare is the closest option to a secular healthshare.

Keep in mind that in order to qualify for exemption from Obamacare, you had to participate in a religious health sharing organization. Otherwise, you will pay a penalty, and no one wants to do that.

I encourage you to check out each of the above providers to see if they align with your values and needs.

1. Christian Healthcare Ministries cost

Whether you’re a family of three with two parents and a child or a family of 15 with two parents 13 kids, your cost is the same.

You pay for one unit for each adult, so two units for two adults and one unit for all of the kids in your home.

My family pays $175 per month on a mixed-coverage plan with Cristian Health Ministries. Here’s how our plan works:

My husband and I each count as a single unit, so 2 units times $45 per month on the Bronze level of sharing equals $90/month.

Our kids are on the silver level of sharing, and all 3 kids count as a single unit together, so we pay a total of $85/month for the kids.

This adds up to $175 per month but we have different levels of coverage.

As you can see from the graphic below, 65% of members opt for the Gold program, the most costly program which covers 100% of bills for any medical incident exceeding $500 (including discounts negotiated).

2. No open enrollment period means you can modify your coverage whenever you want.

There is no open enrollment with Christian Healthcare Ministries and other health-share ministries. This means you can sign up and make changes at any time! There are no qualifying events to worry about.

You don’t have to wait for marriage (or divorce), having babies, or any of that. You simply make the change by calling Cristian Health Ministries and it becomes effective on the first day of the following month!

With traditional insurance through your employer, you are unable to make changes to your health care coverage unless you experience a qualifying event. Christian Healthcare Ministries doesn’t impose that requirement, which means we are in complete control over our health plan.

As you’ll find with a lot of their policies and rules, they keep things a lot more simple than traditional health insurance plans. There are fewer seemingly arbitrary rules that don’t make sense.

3. Personalized coverage per family member unit.

One of the best features of Christian Healthcare Ministries is that you can mix and match levels of coverage based on your family’s needs. So when my son broke his wrist requiring two surgeries, we decided to raise the kids to the silver program while my husband and I stayed on the bronze plan.

We used to pay $135 per month for our family of five but after raising the kids to a higher level of coverage, we pay $175. It’s worth it for the peace of mind that if anything medically happens resulting in bills exceeding $1000, they’re covered.

It’s great being able to mix and match based on our family’s health needs. With kids active in sports, it’s important that we have a better level of coverage.

This is especially important if you or your spouse have a more active lifestyle or if you work in a line of work that may increase the chances of having an accident.

This is awesome, because it means you don’t need to pay for a super expensive level of coverage if you are healthy or don’t need it. It doesn’t make sense for a firefighter and a secretary to require the same level of health care coverage since clearly one person has a more risky life than the other.

When our kids are older or if they stop playing sports, we can always move down to the bronze plan again, but for now, it’s perfect for what we need. Not having to wait until an open enrollment period is also perfect for us to make changes as our lifestyles change.

4. Negotiated discounts count towards your “Deductible.”

With Christian Healthcare Ministries, it’s not called a deductible, per se, that’s just the terminology we’re all used to with health insurance. I’ll explain a bit further. Depending on which level of sharing you choose, you’ll be responsible for a specific amount before Christian Healthcare Ministries sharing kicks in.

The difference here is that this ‘deductible’ or the amount you are responsible for applies to each event. So if you visit the hospital for two separate ailments, you can’t add the deductibles together. Each qualifying event is covered independently, so you’ll be responsible for the full ‘deductible’ each time.

Bronze members are responsible for the first $5,000 out-of-pocket (including discounts).

Silver members must reach $1,000 eligible medical costs before they can participate in medical sharing.

And Gold members only have to reach $500 per qualifying incident before they’re eligible for sharing.

Here’s the best part: Christian Healthcare Ministries will negotiate with medical providers on your behalf, and whatever discounts you receive, those count towards your out-of-pocket responsibility.

So you’re probably wondering why we didn’t have to pay at least $5,000 out of pocket for my son’s injury (even though we were on the Bronze plan). Our hospital offers a 70% discount for self-paying patients. Because we received such a massive discount, we didn’t have to pay any of the $5k.

We only had to pay for x-rays as radiology isn’t a covered expense on the Bronze level of sharing.

5. Less annual costs means you can save more for retirement.

The average annual premiums of health insurance for a family can range from $800-$1,200 per month (and even higher). For this demonstration, let’s assume you pay an average of $10,000 per year towards medical insurance premiums.

If you chose to switch to Christian Healthcare Ministries, even on the Gold plan, you’d pay $450 per month or $5,400 per year, saving you nearly 50%!

If you contributed an additional $4,600 towards a pre-tax retirement account or invested in a real estate portfolio like Diversyfund, you could make your money work for you (instead of washing it down the drain on insurance premiums).

You could also save some of that money to help cover any health expenses that you do incur. So as long as you stay healthy, after a few years you will have several thousands of dollars in saved money. And once you hit retirement, you’ll be covered by Medicare so you will still get coverage when you need it most!

Christian Healthcare Ministries reviews

Here are several reviews from current members of Christian Healthcare Ministries. I wasn’t able to find a single negative review in my extensive research.

Christian Healthcare Ministries: Save Thousands Per Year on Healthcare

CHM Review: Our Experience with Surgery

Christian Healthcare Ministries Review: Cheaper than Insurance and Better Coverage?

Christian Healthcare Ministries maternity coverage

Maternity claims are eligible for sharing up to $125,000 per pregnancy. Here’s how it works per plan:

Bronze Program – Hospital Delivery and Complications are included but no prenatal care, midwife, postnatal care (up to 6 weeks) and pre-existing pregnancies are not eligible.

Silver Program – Prenatal and postnatal care are not included and pre-existing pregnancies are ineligible for sharing. Hospital delivery, complications within the hospital, as well as up to $2,500 towards midwife care are able to be submitted for sharing.

Gold Program – The Gold program covers all but pre-existing pregnancies. This includes pre and post-natal care (up to 6 weeks), hospital delivery, complications, and midwife.

What’s a pre-existing pregnancy according to CHM? Bills from pregnancies before you became a member are excluded from sharing and your due date must be at least 300 days after joining Christian Healthcare Ministries.

Christian Healthcare Ministries & Dave Ramsey

If you’ve ever listened to AM radio, you’ve probably heard of a guy named Dave Ramsey.

He’s a pretty big deal in the personal finance space as he has cornered the market of teaching people how to get “gazelle intense” in order to pay off debt.

He professes his faith regularly, so it’s not surprising that he endorses Christian Healthcare Ministries (although he doesn’t personally use it).

In fact, The Dave Ramsey show is the first place I heard about CHM. You can’t listen to an entire 3-hour show without hearing at least one advertisement for the health sharing ministry.

Christian Healthcare Ministries promo code

CHM has transparent pricing, but what you might not know is that they offer a pretty incredible referral program. There is no promo code, but if someone signs up through your referral link or member number, you receive a credit in the amount of your membership gift amount after the new member’s third full month.

English, please… In other words, if your parents decide to join using your referral code and your family pays $450/month for the gold program, you get a free month of membership after their third month as members.

And there’s no limit to the number of people you can refer!

FAQs about Christian Healthcare Ministries

Is there an enrollment fee?

There are no sign-up fees or enrollment fees associated with Cristian Health Ministries. This means that more of your money goes directly into your own pocket.

Are there medical tests required?

No one is ineligible from sharing but certain pre-existing conditions aren’t eligible for sharing. The Gold program has a higher level of sharing and does include some pre-existing conditions.

Christian Healthcare Ministries also has a prayer page where members can pray for those with pre-existing conditions that might not be covered. They can also sign up for Brother’s Keeper for catastrophic illness.

What is Brother’s Keeper In The Christian Healthcare Ministries?

Brother’s Keeper is CHM’s catastrophic bills program. It’s a special add-on for additional coverage. It’s for those bills that exceed $125,000 as per the program guidelines. It protects you in case you require major procedures or expensive treatments.

One thing to note, is that in addition to the cost of the program, there is a $40 annual fee that is non-refundable.

Do I have to attend church? What if I’m not a Christian?

Cristian Health Ministries is available for Christians living by biblical principals. This includes abstaining from the use of tobacco and use of illegal drugs and following biblical teaching on the use of alcohol. You must also attend group worship services regularly as health permits.

As stated earlier, this is a faith-based ministry.

Where can I get more info or sign up?

You can sign up for Christian Healthcare Ministries plans here.

Is Christian Healthcare Ministries insurance?

Christian Healthcare Ministries is not a health insurance company. It’s a non-profit healthcare sharing ministry.

Is CHM tax deductible?

Even though Christian Healthcare Ministries is a non-profit, your expenses are not considered charitable donations from a tax standpoint. You can learn more about this here:

Bottom line

Each person or family’s financial situation is different. While some families may have higher healthcare costs that warrant paying more for traditional health insurance, others can save thousands by considering Christian Healthcare Ministries.

It’s definitely worth doing your own research to determine if this is the right path for you.

All I know, is that we are glad we made the jump.

The post originally appeared on The Money Mix and is republished here with permission.

The post Could Christian Healthcare Ministries be the solution your family is looking for? appeared first on Semi-Retire Plan.

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prasanththampi · 6 years ago

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jamieclawhorn · 6 years ago

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It’s official: 20% of over-65s are millionaires

According to a recent Financial Times article, one in five people aged over 65 is a millionaire.

Which isn’t to say that they’re driving around in Rolls-Royces and sipping champagne, of course. Instead, it simply means that the sum of their property wealth, investments, and savings, exceeds £1 million.

The finding comes from wealth managers Netwealth, who analysed data from the Office for National Statistics’ Wealth and Assets Survey, 2006‑2016. So dodgy survey data this isn’t: to the best of the Office for National Statistics’ data collection abilities, one in five over-65s is a millionaire.

A bigger pie, a bigger slice

Now, one point needs making straightaway.

Namely, it’s in the nature of things for older people to be better off than younger people: they’ve had more time to accumulate wealth.

What is surprising is the extent to which older people’s share of the nation’s growing wealth has also grown—up from 28% of total household wealth in 2006, to 36% in 2016.

Put another way, at a time of life when people are supposed to be ‘deaccumulating’, to use the jargon, they’re doing anything but. Instead of consuming their wealth in old age, they’re still building it.

Conversely, those aged under 45 are sitting on a shrinking proportion of the nation’s wealth. Those aged 25‑34 own just 3p of every £1 of household wealth.

Fortune on a plate

It’s not difficult to see why the older generation has done so well.

Soaring property prices, well-funded final salary pensions, benign economic conditions, a buoyant stock market—as someone in my mid-60s, I’m well aware of the helping hand our generation has received.

What’s less clear is just what the younger generation—those under 45, say—can do, apart from waiting to inherit some of this largesse.

And here there are no easy answers.

More than any other generation in recent decades, perhaps, those now in their twenties and thirties are going to have to work hard, save, and invest.

Investing has never been this easy

The good news, compared to when today’s 60-somethings and 70-somethings were in their twenties and thirties, is that this has never been easier or cheaper.

As I’ve remarked before, the days of traditional ‘full service’ brokers were expensive. Somewhere, I have a share certificate dating from when my father purchased some Marks & Spencer shares in the early 1990s.

The commission levied on his modest purchase? £31—the broker’s minimum charge. These days, a quarter of a century on, you can expect to pay around a tenner, using today’s online execution-only brokers.

The tax situation has been transformed, too. Today, you can shelter £20,000 a year in an ISA, meaning that for most people, their wealth-building is free from both income tax and capital gains tax.

Pensions, too, make decent long-term tax-advantaged investments—especially in times like these, when employers’ final salary schemes are either non-existent (as is the case in much of the private sector), or subject to government intervention.

A different era

Simply put, what all that means is that more of your money goes towards wealth accumulation and future prosperity, and less goes towards middlemen and taxes.

Throw in the abundance of advice and guidance available through the Internet, and the days of Sunday newspaper tips and dusty stockbrokers’ research seem quaint and long since outmoded.

Put another way, the present older generation has prospered from one set of advantages. Tomorrow’s older generation—today’s younger generation—will prosper from another set.

Tomorrow starts today

In summary, then, my take is that while the situation is concerning, it’s not bleak.

But there’s no escaping the harsh reality that—more than they may suspect—those under 45 are the masters of their own destiny here. The ‘nanny state’ and generous employers can’t be relied upon.

“Spend a little less, save and invest a little more,” has always been good advice. For the younger generation, it needs to start becoming a way of life.

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More reading

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Will this 7% FTSE 100 dividend stock help you retire early or leave you with huge losses?

Savvy or stupid: is this dirt-cheap FTSE 100 dividend stock a risk too far?

Here’s the great investment I’d pile into instead of the FTSE 250’s Clarkson today

Malcolm owns shares in Marks & Spencer. The Motley Fool UK has no position in any of the shares mentioned. Views expressed on the companies mentioned in this article are those of the writer and therefore may differ from the official recommendations we make in our subscription services such as Share Advisor, Hidden Winners and Pro. Here at The Motley Fool we believe that considering a diverse range of insights makes us better investors.

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mikemortgage · 6 years ago

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These are the eight sources of retirement income you need to know about

In RRSP season there is a lot of focus on your RRSP — surprise, surprise.

As most of you know, the RRSP will ultimately turn into a RRIF and be a key source of your income in retirement. What many people don’t always think about is other potential sources of retirement income.

In our work with retirees, we see up to eight different sources of funds that they can pull from to meet their monthly or annual expenses. Some are not thought of that often, but can become important. Not all will apply to everyone, but each one will be important to a segment of retirees.

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Without further ado, here are the eight sources of retirement income:

1. Government Pensions — CPP, Old Age Security (OAS), GIS. For some individuals this can be more than $18,000 a year. It can be even higher if delayed receiving until past age 65.

2. Your Investment Portfolios — RRSPs, RRIFs, TFSAs, Defined Contribution Plans and Non-Registered accounts. The key is to determine which ones to draw on and when to minimize taxes. It will be different depending on your age, your health, your relationship status, and your current and expected level of income.

3. Your Defined Benefit Pension Plan — You may be one of those who have a plan through your work that pays you a fixed monthly amount — that may or may not increase based on inflation.

4. Your Corporate Investment Account — If you have a Corporation, pulling money from here will likely be considered as ineligible dividend income, but could possibly be tax free due to the size of your capital dividend account or shareholder loans. Often there is an opportunity to use insurance for estate planning or even in some cases for Retirement Planning where funds can come out tax free.

5. Annuities — These are essentially lifetime GICs with a locked-in rate that becomes a monthly source of cash flow. They have been less popular due to low interest rates, but for those who bought Annuities thirty years ago and are still alive, they will definitely sing their praises as an option for retirement income.

6. Your Home — If you own a home you can use a Home Equity Line of Credit to draw down cash over time, or maybe a downsize or sale of real estate is a key source of funds for your retirement. In some cases it may even allow for rental income.

7. Insurance Policies — This is sometimes an option and usually a forgotten one. Policy holders can often access cash through the cash surrender value of a policy without hurting the core insurance coverage. Sometimes you can borrow against the policy, or for those in their 30s to 50s, you might even be able to take out a policy on your parents as a form of retirement planning.

8. Your Kids (or other family) — This is usually not a preferred option, but depending on your needs and the family situation, this can be an important source of income.

Behind each of these sources of income is often a fair bit of thought and planning to maximize the income in a tax efficient way. For example, some individuals want less income in retirement. They don’t need the cash flow and they want lower taxes. In that case, they may look to fund Insurance policies in order to lower annual income and increase the estate.

Another scenario is the person with a large RRSP who is in their late 50s or early 60s. A lot of thought might go into the idea of drawing down the RRSP meaningfully over the next 10 years, and delaying taking CPP and OAS until age 70. If they do this effectively, they may be able to receive full OAS instead of getting clawed back, and in addition, they will have a smaller RRIF balance when they die and will face less tax at the end.

Even your home has important retirement income questions. We see people who received full OAS for several years, and then they sold their home and decided to rent. They now have significantly more investment assets and taxable income than they did before selling the house. Suddenly their tax rate goes up and they lose their OAS. In these cases, much more effort needs to go into tax efficient investment, and possibly gifting some assets to family or charity earlier than through the estate.

To help with issues of Retirement Income I have seen a few great Canadian web tools.

The Government of Canada has a solid tool to help manage your Government Pensions.

A website called Savvy New Canadians has a fairly detailed overview of RRSPs, TFSAs, CPP and OAS.

And my firm TriDelta Financial recently put out the 2019 Canadian Retirement Income Guide which provides further insight into how best to manage your various forms of retirement income.

Just like the game of hockey is much more complicated than simply shooting at the net, remember that your retirement income is about much more than simply an RRSP or RRIF. There are hopefully many sources of income for you, but the more sources of income, the more complex some of the tax and planning issues become.

May your biggest challenge be figuring out income sources number one to seven, and not about how to ask for funds from number eight.

Ted Rechtshaffen, MBA, CFP, CIM, is president and wealth advisor at TriDelta Financial, a boutique wealth management firm focusing on investment counselling and estate planning. [email protected]

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taylormaderealestate · 7 years ago

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What Will Senior Housing Look Like in 2028

The first of the boomers — the population born between 1946 and 1964 — turned 65 in 2011, and the last will turn 65 in 2029. By 2030, boomers over 65 will make up 20 percent of the U.S. population, numbering around 60 million people, according to a report from the U.S Census Bureau.

“Significant changes are coming as we move out of the World War II generation to the baby boomer generation,” says Steve Maag, director, residential communities, at LeadingAge, a national association dedicated to advocacy, education and research on aging. That’s because boomers have higher expectations as consumers and a history of having those expectations met, Maag says.

Senior Housing in 2028

With that in mind, what will senior housing look like in 10 years? A Place for Mom checked with experts on aging, senior living communities and technology to find out.

Here are some significant changes you’re likely to see by 2028 and beyond:

Boomer Consumers Transform Senior Housing

The baby boomer generation has never been one to accept the status quo, and that won’t change when it comes to senior living communities, says Maag.

“Historically, we’ve had a pretty trusted delivery system because customers of the past accepted it and weren’t as demanding,” says Maag. “Customers of the future are going to push to do things more the way they want to do it.”

According to Maag, retirement and senior living communities will have to respond to consumer demand by providing greater diversification of services that include:

Dining options and restaurant-menu meal variety with more choices, including gluten-free, vegetarian and even Japanese, Thai and other culturally diverse foods

Greater emphasis on lifestyle and wellness programs

More choices in apartment fixtures, designs and furnishings

More variety in payment structures

“Baby boomers want to have a voice in decisions in things like financial structure and payment systems and will push back and be assertive if they have questions and concerns,” says Maag.

Technology Will Improve Senior Living

Whether older people of the future plan to age in place at home or move to a senior living community, technological advances will enable them to live healthier, richer lives. One big factor is advances in telehealth, a technology that enables health care providers to diagnose and interact with patients via computer screen.

“Telehealth will obviously grow” over the next decade, says Robyn Stone, senior vice president for research at LeadingAge. Telehealth, already in place in many rural communities, breaks down transportation barriers for older adults, mitigates health care costs such as emergency room visits and helps older adults remain in their homes longer.

“You also have the potential for actually seeing a person’s environment and seeing their meds instead of having the person bring them in or having to reconcile through health records,” says Stone.

We’ll also see more senior-focused computer systems aimed at keeping long-term care residents happy and engaged, says Tom Bang, CEO of It’s Never 2 Late, a Colorado company that’s developed a picture-based, touchscreen computer interface system and installed the intuitive technology at approximately 2,300 senior living communities in the United States.

The communities use the technology to allow residents to connect by webcam to family and friends, but also to access engaging, personalized content and mind-stimulating activities. The system is also used by staff for memory care and rehabilitation programs.

Sensing technology that goes beyond today’s fitness monitors will also play a part in tracking heart rates and other vital signs. “Those are very natural technologies to be adapted in the right way in caring for seniors,” Bang says.

A Shift in Family Caregiving

In the future, family members will likely have less availability to provide caregiving for aging loved ones, says Stone.

A few reasons for the coming shift include:

Disruptive effects of divorce on family support networks among middle-aged and older people

More women remaining in the labor force longer, restricting their family caregiving roles

Tremendous growth in the childless population of older adults

“When you combine all of these factors, it’s unlikely that family caregivers will be able to continue the level of caregiving performed by past generations,” says Stone. “It’s clear that a decline in family caregivers will put more pressure on formal care providers.”

Changing Price Points and More Cost Transparency

Not all boomers will have the same level of financial resources, such as pensions and paid-off mortgages, as previous generations, says Maribeth Bersani, COO of Argentum, a national trade association for senior living providers.

“We’re going to have to see some different price points for different people’s incomes and price levels,” says Bersani. Because senior living prices vary greatly by state, more people who can’t afford assisted living in their own state may even consider a cross-country move in their retirement planning.

For example, someone living in Massachusetts, where the current monthly median cost for assisted living is $5,600, might get their friends together and say, “Hey, let’s retire in Nebraska,” where the current median cost is about $2,000 less per month, says Bersani.

With unknown changes in health care and Medicaid ahead, aging boomers shouldn’t necessarily rely on Medicaid and other state assistance, either. “The established payment systems to meet their needs could present tremendous challenges,” says Maag. “People will have to move away from traditional government payment sources because those are not going to be adequate.”

Wherever they may choose to live, boomers who have grown accustomed to the ubiquity of online comparison shopping will expect senior living providers to list more information about pricing on their websites as they evaluate their options.

“More and more, senior living consumers expect to obtain pricing information online as a critical part of their search and decision process,” says Dan Willis, senior vice president of partner services at A Place for Mom. “Senior living providers who present this information in a way that is easy to access and understand will see increasing benefits.”

Appealing to the ‘Young Old’

Older adult communities of the future will trend toward becoming more attractive to the “young old,” boomers who’ve reached their late 60s or early 70s by 2028 and want to move into senior communities while they’re still healthy enough to enjoy the amenities, says Bersani.

“We hear a lot of people say they wish they would have moved in sooner so they could have participated more in activities,” she says.

It looks like the generation at the helm of a more health-conscious society, rock ‘n’ roll music and war protests is now well on its way to bringing about societal change in senior living.

Deb Hipp http://www.nextavenue.org/senior-housing-2028/

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topinforma · 8 years ago

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In his first budget, Trump to struggling seniors: You’ll be on your own

When people talk about retirement, they often muse about traveling the world, playing golf or visiting with grandchildren.

But the truth is many seniors won’t spend “golden” retirement years like they are on a long vacation. Instead they will be working because they can’t afford to retire. Or they’ll fret about finding or keeping a job to supplement their Social Security check.

Their days won’t be spent in leisure. They’ll struggle to pay for health care costs. They’ll rely on government programs or nonprofits for meals, energy assistance or to help with legal woes.

But President Trump’s first budget sends a stark message to the most needy seniors: “You’re on your own.”

Here are some of the proposed cuts that will affect seniors. — Low-Income Home Energy Assistance program, which “helps a whole lot of old people pay for heat in the winter,” Slate’s Jordan Weissmann writes.

Trump’s budget guts the EPA and help for poor seniors. It’s a perfect symbol of his administration

— The elimination of the Energy Department’s weatherization assistance program. “It has provided states with grants that have helped insulate the homes of about 7 million families,” reported The Post’s Steven Mufson and Tracy Jan.

If you’re a poor person in America, Trump’s budget is not for you

— Elimination of the Senior Community Service Employment Program, which provides job training to low-income job seekers ages 55 and older.

“The administration estimates that it would save $434 million by cutting the program,” reported The Post’s Jonnelle Marte. “In the budget proposal, the administration criticized the program as ‘ineffective’ and said that one-third of the participants do not finish.” Even so, that still leaves a lot of seniors getting help.

Labor Dept. cuts target job training programs for seniors

— Meals on Wheels. There was some confusion about whether the funding for Meals on Wheels would be eliminated. The Community Development Block Grant program is a target for cuts and some funding for Meals on Wheels comes through this program. However a large portion of federal funds for Meals on Wheels comes through the Older Americans Act, administered by the Department of Health and Human Services (HHS), Administration for Community Living, according to a statement from Meals on Wheels America.

“The Trump administration has proposed a 17.9 percent cut in funding for HHS, but it has provided no detail on whether that would also impact the Administration for Community Living, which funds nutrition programs for the elderly,” reported The Post’s Glenn Kessler wrote in fact checking the outrage about possible cuts to Meals on Wheels.

Still, there’s reason to be concerned about cuts to the program. “The nationwide Meals on Wheels network, comprised of 5,000, local, community-based programs, receives 35 percent of its total funding for the provision of home-delivered meals from the federal government through the Older Americans Act,” the organization said.

— The elimination of the HHS office of community services, which includes an energy assistance program for low-income families, including seniors.

Trump’s budget framework points to big cuts in programs for seniors

— The elimination of Legal Services Corporation, a nonprofit that provides legal aid to low-income Americans.

Trump budget would gut legal aid for veterans, domestic abuse victims and disaster survivors

The American Bar Association said in a statement is was outraged about the proposed cut, writing that some of the worthy services the nonprofit provides include protecting seniors from scams.

In a letter to Trump, Nancy LeaMond AARP’s executive vice president and chief advocacy and engagement officer wrote: “As the budget process proceeds, we would encourage the administration to reconsider the proposed cuts to important programs, including NIH’s health care research, LIHEAP energy assistance programs, community service employment for older workers, housing and legal assistance to the poor and elderly, and transit and transportation programs serving the disabled and elderly.”

I want to hear from you. What do you think of the cuts? Send your comments to [email protected]. Please include your name, city and state. Your voice is important.

Live chat this week Join me on Thurs. March 23 at noon (ET) for a live discussion about your money. To participate in the discussion click this link.

Stay informed about your money. Read and share the Color of Money columns.

Retirement rants & raves This newsletter is your opportunity to talk about your retirement. It’s your chance to rant and rave (or both) about any retirement issue. Send your comments to [email protected]. Please include your name, city and state. In the subject line put “Retirement Rants & Raves.”

Claudia Ruddy of Florida shared how downsizing has shaped her and her husband’s early retirement. They didn’t have children but lived in a five-bedroom home in St. Petersburg. They had a lawn, cleaning and pool service.

“We agreed in our 50s we would move upon retirement to a small, pool-less house in a beach community with the goal of reducing our expenses to travel as much as possible,” she wrote. “We expected to work until 66.

But plans change. Her husband was laid off at 60. They moved to a modest two-bedroom home in Ormond by the Sea.

“The location does not require flood insurance and our property tax decreased by almost two-thirds,” she said. “Instead of the monthly $188 and $210 bills for sewer, water and electricity, we pay $100 for electricity and $30 for water. (Admittedly we do now have the task of pumping the septic tank every two years.) We still pay someone to cut the grass, but I can clean the whole house in a couple hours. I do miss the pool, but being able to walk to the beach is great. We found we could live nicely (traveling the U.S. every couple months and Europe for a month once a year) on a combination of part-time work and our pensions. No doubt having children or having strong ties to the more expensive area would make moving harder for many people, but it has certainly worked for us. We joke we should send my husband’s former employer a thank-you letter.”

Mark Dziewit of Bloomfield Hills, Mich., wanted to shared his thoughts on a Fidelity Investments retirement IQ test that I wrote about in last week’s newsletter.

On the question on how much some financial experts recommend people save by the time they retire, he wrote, “I don’t know (or care) how much so called experts say one should save as a multiple of your last year’s income. I do know that if I have a sum of money and I assume a 3 percent real annual return less my withdrawals, I can play with the variables to know what is needed to achieve a certain level of ‘income.’”

On the question about the average monthly Social Security benefit benefit paid in 2016, he wrote, “I know it’s not much. It only matters in the context that this ‘not much’ amount is what many of my fellow citizens will need to live on. Not good for them, not good for the country.”

“I think this test was not very useful,” Dziewit said. “However, for some it could get them thinking. So much info from experts is simplistic or just wrong. Thank you for this opportunity to ‘rant.’”

Let me remind you of all the questions for the retirement IQ test. 1. Roughly how much do many financial experts recommend people save by the time they retire? a. About 2-3 times the amount of your last full year income b. About 4-5 times the amount of your last full year income c. About 6-7 times the amount of your last full year income d. About 8-9 times the amount of your last full year income e. About 10-12 times the amount of your last full year income

2. Stock markets go up and down. How often over the past 35 years do you think the market has had a positive annual return? a. The annual return was positive fewer than 12 out of 35 years b. The annual return was positive about 12 out of 35 years c. The annual return was positive about 18 out of 35 years d. The annual return was positive about 26 out of 35 years e. The annual return was positive more than 26 out of 35 years

3. If you were able to set aside $50 each month for retirement, how much would that end up becoming 25 years from now, including interest if it grew at the historical stock market average? a. About $15,000 b. About $30,000 c. About $40,000 d. About $60,000 e. More than $60,000

4. Given the current average life expectancy, if you were to retire at age 65, about how long would you need your retirement savings to last? a. 12 years (or until you are 77) b. 17 years (or until you are 82) c. 22 years (or until you are 87) d. 27 years (or until you are 92) e. 35 years (or until you are 100)

5. Approximately how much was the average monthly Social Security benefit paid in 2016 to a retired worker? a. About $500 b. About $900 c. About $1,300 d. About $1,700 e. About $2,100

6. About what percentage of your savings do many financial experts recommend you withdraw annually in retirement? a. 1-3% b. 4-6% c. 7-9% d. 10-12% e. 13-15%

7. Which of the following do you think is the single biggest expense for most people in retirement? a. Housing b. Health care c. Taxes d. Food e. Discretionary expenses

8. About how much will a couple retiring at age 65 spend on out-of-pocket costs for health care over the course of retirement? a. $50,000 b. $100,000 c. $170,000 d, $260,000 e. $350,000

Click here to see the correct answers.

[Send your questions: Join Michelle Singletary Thursday at noon for a weekly financial chat]

Newsletter comments policy Please note it is my personal policy to identify readers who respond to questions I ask in my newsletters. I find it encourages thoughtful and civil conversation. I want my newsletters to be a safe place to express your opinion. On sensitive matters or upon request, I’m happy to include a first name and last initial. But I prefer not to post anonymous comments (I do make exceptions when I’m asking questions that might reveal sensitive information or cause conflict.)

Have a question about your finances? Michelle Singletary has a weekly live chat every Thursday at noon where she discusses financial dilemmas with readers. You can also write to Michelle directly by sending an email to [email protected]. Personal responses may not be possible, and comments or questions may be used in a future column, with the writer’s name, unless otherwise requested. To read more Color of Money columns, go here.