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<?xml version="1.0" encoding="UTF-8"?><rss version="2.0" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:wfw="http://wellformedweb.org/CommentAPI/" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:atom="http://www.w3.org/2005/Atom" xmlns:sy="http://purl.org/rss/1.0/modules/syndication/" xmlns:slash="http://purl.org/rss/1.0/modules/slash/" > <channel> <title>nhmmuln.info</title> <atom:link href="http://nhmmuln.info/feed" rel="self" type="application/rss+xml" /> <link>https://nhmmuln.info</link> <description>Just another WordPress site</description> <lastBuildDate>Wed, 13 Mar 2024 20:10:14 +0000</lastBuildDate> <language>en</language> <sy:updatePeriod>hourly</sy:updatePeriod> <sy:updateFrequency>1</sy:updateFrequency> <generator>http://wordpress.org/?v=3.1.3</generator> <item> <title>Retirement Income Strategies</title> <link>https://nhmmuln.info/retirement-income-strategies</link> <comments>https://nhmmuln.info/retirement-income-strategies#comments</comments> <pubDate>Fri, 15 Dec 2023 12:31:35 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://nhmmuln.info/?p=53</guid> <description><![CDATA[  Introduction As we enter 2023, retirement planning and income strategies have become more crucial than ever. With the uncertainties in the economy and the changing landscape of retirement, individuals need to be well-informed about the various strategies available to secure their financial future. In this article, we will explore some effective retirement income strategies [...]]]></description> <content:encoded><![CDATA[<p><!--[CDATA[<br /><article><figure><mce:noscript><! <img src="https://tse1.mm.bing.net/th?q=Retirement%20Income%20Strategies" alt="Building the Retirement Pyramid PIMCO" width="640" height="360" />--><img class="v-cover ads-img" style="margin-right: 8px; margin-bottom: 8px;" src="https://tse1.mm.bing.net/th?q=Retirement%20Income%20Strategies" alt="Building the Retirement Pyramid PIMCO" width="100%" /></p><p> </p><h2>Introduction</h2><p>As we enter 2023, retirement planning and income strategies have become more crucial than ever. With the uncertainties in the economy and the changing landscape of retirement, individuals need to be well-informed about the various strategies available to secure their financial future. In this article, we will explore some effective retirement income strategies that will help you make the most out of your retirement savings.</p><h2>1. Create a Budget</h2><p>One of the fundamental steps in retirement planning is creating a budget. This involves analyzing your current expenses and estimating your future expenses during retirement. By understanding your spending habits, you can make informed decisions about how much you need to save and how to allocate your retirement income.</p><h2>2. Diversify Your Investments</h2><p>Investing in a diversified portfolio is crucial for retirement income strategies. By spreading your investments across different asset classes such as stocks, bonds, and real estate, you can reduce the risk of losing all your savings in case of a market downturn. Diversification helps to balance risk and reward, ensuring a stable income stream during retirement.</p><h2>3. Consider Annuities</h2><p>Annuities are financial products that provide a guaranteed income stream for a specific period or for life. They can be an effective retirement income strategy, especially for individuals who want a steady and predictable source of income. Annuities can be purchased from insurance companies and offer various options, such as fixed, variable, or indexed annuities.</p><h2>4. Delay Social Security Benefits</h2><p>Delaying your Social Security benefits can significantly increase your retirement income. By waiting until your full retirement age or even beyond, you can receive higher monthly payments. This strategy is particularly beneficial if you have other sources of income to cover your expenses in the early years of retirement.</p><h2>5. Consider Part-Time Work</h2><p>Working part-time during retirement can provide you with additional income while keeping you mentally and socially engaged. It can also help you delay tapping into your retirement savings, allowing them to grow further. Look for opportunities that align with your interests and skills, ensuring a fulfilling and financially secure retirement.</p><h2>6. Utilize Tax-Efficient Withdrawal Strategies</h2><p>Minimizing taxes on your retirement income is essential to maximize your savings. Consider working with a financial advisor to develop tax-efficient withdrawal strategies. This may involve withdrawing from different accounts, such as Roth IRAs and traditional IRAs, based on their tax implications.</p><h2>7. Plan for Healthcare Expenses</h2><p>Healthcare costs can significantly impact your retirement income. It is crucial to plan and budget for these expenses, including health insurance and long-term care. Consider purchasing long-term care insurance to protect your retirement savings from unexpected medical costs.</p><h2>8. Review and Adjust Regularly</h2><p>Retirement income strategies should not be set in stone. It is essential to review and adjust your plans regularly to adapt to changing circumstances, such as market conditions, inflation, and personal goals. Regularly monitoring your investments and consulting with a financial advisor can help ensure your retirement income remains on track.</p><h2>9. Seek Professional Advice</h2><p>Retirement planning can be complex, and seeking professional advice is highly recommended. A financial advisor can help you navigate the various retirement income strategies, assess your unique situation, and provide personalized recommendations that align with your goals and risk tolerance.</p><h2>10. Enjoy Your Retirement</h2><p>Lastly, remember that retirement is a time to enjoy the fruits of your labor. Implementing effective retirement income strategies will provide you with peace of mind and financial security, allowing you to focus on pursuing your passions and creating lasting memories with your loved ones.</p><h3>Conclusion</h3><p>Retirement income strategies in 2023 require careful planning and a comprehensive approach. By creating a budget, diversifying investments, considering annuities, delaying Social Security benefits, working part-time, utilizing tax-efficient withdrawal strategies, planning for healthcare expenses, reviewing and adjusting regularly, seeking professional advice, and ultimately enjoying your retirement, you can achieve a financially stable and fulfilling retirement.</p><p><span id="more-53"></span></p><p><img style="margin-right: 8px; margin-bottom: 8px;" src="https://i2.wp.com/www.pimco.com/en-us/resources/education/-/media/ff33ac28c99243a680ad73311e595029.ashx?vs=2&d=20200609160608&hash=8459D98EEFFA1B5F5509B0CA1B1F705D256775FA" alt="Building the Retirement Pyramid PIMCO" width="100%" /></p><p> </p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://nhmmuln.info/retirement-income-strategies/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Impact of Federal Reserve Decisions</title> <link>https://nhmmuln.info/impact-of-federal-reserve-decisions</link> <comments>https://nhmmuln.info/impact-of-federal-reserve-decisions#comments</comments> <pubDate>Fri, 15 Dec 2023 12:26:50 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://nhmmuln.info/?p=51</guid> <description><![CDATA[  Introduction The Federal Reserve, often referred to as the Fed, is the central banking system of the United States. It plays a crucial role in influencing the country’s economy through its monetary policy decisions. The decisions made by the Federal Reserve have a significant impact on various aspects of the economy, including interest rates, [...]]]></description> <content:encoded><![CDATA[<p><!--[CDATA[<br /><article><figure><mce:noscript><! <img src="https://tse1.mm.bing.net/th?q=Impact%20of%20Federal%20Reserve%20Decisions" alt="Impact of Federal Reserve&#039;s Decision on India" width="640" height="360" />--><img class="v-cover ads-img" style="margin-right: 8px; margin-bottom: 8px;" src="https://tse1.mm.bing.net/th?q=Impact%20of%20Federal%20Reserve%20Decisions" alt="Impact of Federal Reserve's Decision on India" width="100%" /></p><p> </p><h2>Introduction</h2><p>The Federal Reserve, often referred to as the Fed, is the central banking system of the United States. It plays a crucial role in influencing the country’s economy through its monetary policy decisions. The decisions made by the Federal Reserve have a significant impact on various aspects of the economy, including interest rates, inflation, employment, and financial markets.</p><h3>Interest Rates</h3><p>One of the primary tools used by the Federal Reserve to control the economy is the manipulation of interest rates. When the economy is booming, the Fed may decide to increase interest rates to curb inflation and prevent the economy from overheating. On the other hand, during periods of economic downturn, the Fed may lower interest rates to stimulate borrowing and spending, thus boosting economic activity.</p><p>These interest rate decisions have a direct impact on consumers and businesses. When interest rates are low, borrowing becomes more affordable, leading to increased consumer spending and business investments. Conversely, when interest rates are high, borrowing becomes more expensive, which can dampen consumer spending and business investments.</p><h3>Inflation</h3><p>The Federal Reserve closely monitors inflation and seeks to maintain price stability. By adjusting interest rates, the Fed aims to keep inflation in check. When inflation is rising above the target rate, the Fed may raise interest rates to reduce spending, as higher interest rates tend to discourage borrowing and spending. Conversely, when inflation is below the target rate, the Fed may lower interest rates to encourage borrowing and spending, thus stimulating economic growth.</p><p>The impact of the Federal Reserve’s decisions on inflation is crucial for consumers and businesses. A stable and predictable inflation rate allows for better planning and decision-making. When inflation is high, the purchasing power of individuals and businesses decreases, as the cost of goods and services rises. Conversely, when inflation is low, consumers can enjoy stable prices, and businesses can make more accurate pricing decisions.</p><h3>Employment</h3><p>The Federal Reserve also plays a role in influencing employment levels through its monetary policy decisions. When the economy is growing too fast, the Fed may raise interest rates to slow down economic activity, which can lead to a decrease in job creation. Conversely, during times of economic slowdown, the Fed may lower interest rates to stimulate borrowing and spending, thus encouraging businesses to hire more workers.</p><p>These employment-related decisions have a direct impact on job seekers and businesses. When interest rates are low, businesses are more likely to invest in expansion and hire additional employees. On the other hand, when interest rates are high, businesses may reduce hiring and cut back on investments, leading to potential job losses.</p><h3>Financial Markets</h3><p>The Federal Reserve’s decisions have a significant impact on financial markets, including stock markets, bond markets, and foreign exchange markets. Changes in interest rates can affect the returns on various financial instruments and impact investor behavior.</p><p>When interest rates are low, investors may be more willing to invest in riskier assets, such as stocks, in search of higher returns. Conversely, when interest rates are high, investors may shift their investments towards safer assets, such as bonds, to preserve capital and earn stable returns. Changes in interest rates can also influence the value of the domestic currency relative to other currencies, impacting international trade and investments.</p><h2>Conclusion</h2><p>In conclusion, the decisions made by the Federal Reserve have a profound impact on the U.S. economy. Through its control over interest rates, the Federal Reserve influences borrowing costs, inflation, employment levels, and financial markets. Understanding and analyzing the impact of these decisions is essential for businesses, investors, and individuals to make informed decisions and navigate the ever-changing economic landscape. <span id="more-51"></span></p><p> </p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://nhmmuln.info/impact-of-federal-reserve-decisions/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Stock Market Volatility Strategies</title> <link>https://nhmmuln.info/stock-market-volatility-strategies</link> <comments>https://nhmmuln.info/stock-market-volatility-strategies#comments</comments> <pubDate>Fri, 15 Dec 2023 12:18:22 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://nhmmuln.info/?p=49</guid> <description><![CDATA[Introduction Stock market volatility is a common occurrence that can create both opportunities and challenges for investors. In this article, we will explore various strategies that can help navigate the ups and downs of the stock market and potentially generate profits even during volatile times. 1. Diversification One of the most effective strategies to manage [...]]]></description> <content:encoded><![CDATA[<p><!--[CDATA[<br /><article><figure><mce:noscript><! <img src="https://tse1.mm.bing.net/th?q=Stock%20Market%20Volatility%20Strategies" alt="How to Use Historical Volatility in Your Trading Strategy DTTW™" width="640" height="360" />--><img class="v-cover ads-img" style="margin-right: 8px; margin-bottom: 8px;" src="https://tse1.mm.bing.net/th?q=Stock%20Market%20Volatility%20Strategies" alt="How to Use Historical Volatility in Your Trading Strategy DTTW™" width="100%" /></p><h2>Introduction</h2><p>Stock market volatility is a common occurrence that can create both opportunities and challenges for investors. In this article, we will explore various strategies that can help navigate the ups and downs of the stock market and potentially generate profits even during volatile times.</p><h2>1. Diversification</h2><p>One of the most effective strategies to manage stock market volatility is diversification. By spreading investments across different asset classes, industries, and geographical regions, investors can reduce their exposure to the risks associated with a single investment. Diversification can help mitigate the impact of market downturns and provide a cushion against potential losses.</p><h2>2. Dollar-Cost Averaging</h2><p>Dollar-cost averaging is a strategy that involves investing a fixed amount of money at regular intervals, regardless of market conditions. This approach allows investors to buy more shares when prices are low and fewer shares when prices are high. Over time, this strategy can help average out the cost of investments and potentially generate higher returns.</p><h2>3. Stop-Loss Orders</h2><p>Stop-loss orders are a risk management tool that can be used to limit potential losses during volatile market conditions. By setting a predetermined price at which a stock will be automatically sold, investors can protect themselves from significant downturns. Stop-loss orders help enforce discipline and prevent emotional decision-making during periods of market volatility.</p><h2>4. Hedging</h2><p>Hedging is a strategy that involves taking offsetting positions to reduce the impact of price fluctuations. This can be achieved by using options, futures contracts, or other derivative instruments. Hedging can be an effective way to protect against downside risk and limit potential losses during periods of heightened volatility.</p><h2>5. Fundamental Analysis</h2><p>Fundamental analysis involves evaluating the financial health and performance of companies to determine their intrinsic value. By conducting thorough research and analysis, investors can identify undervalued stocks that have the potential to withstand market volatility. Fundamental analysis helps investors make informed decisions based on the underlying fundamentals of a company.</p><h2>6. Technical Analysis</h2><p>Technical analysis involves analyzing historical price and volume data to identify patterns and trends. By studying charts and using various technical indicators, investors can make predictions about future price movements. Technical analysis can be a useful tool for identifying entry and exit points during volatile market conditions.</p><h2>7. Long-Term Investing</h2><p>Long-term investing is a strategy that involves holding onto investments for an extended period, typically years or even decades. By focusing on the long-term prospects of companies and ignoring short-term market fluctuations, investors can potentially benefit from compounding returns and ride out periods of volatility.</p><h2>8. Active Portfolio Management</h2><p>Active portfolio management involves regularly reviewing and adjusting investment holdings based on market conditions and changing economic factors. By actively managing a portfolio, investors can take advantage of opportunities presented by market volatility and potentially outperform passive investment strategies.</p><h2>9. Risk Management</h2><p>Effective risk management is crucial when navigating volatile markets. This involves setting clear investment objectives, diversifying holdings, regularly reviewing portfolio performance, and adjusting risk exposure as needed. By actively managing risk, investors can protect their capital and potentially generate consistent returns over the long term.</p><h2>10. Emotional Discipline</h2><p>Emotional discipline is perhaps one of the most important strategies for dealing with stock market volatility. It is essential to remain calm and not let fear or greed drive investment decisions. By sticking to a well-thought-out investment plan and avoiding impulsive actions, investors can stay focused on their long-term goals and avoid making costly mistakes.</p><h2>Conclusion</h2><p>Stock market volatility is an inherent part of investing. By implementing these strategies and maintaining a disciplined approach, investors can navigate the ups and downs of the stock market and potentially achieve their financial goals even during volatile times.</p><p><span id="more-49"></span></p><p><img style="margin-right: 8px; margin-bottom: 8px;" src="https://i2.wp.com/i.ytimg.com/vi/BnuP__-Lc7k/maxresdefault.jpg" alt="Volatility 75 trading strategy YouTube" width="100%" /><small>Source: <em>www.youtube.co</em></small><img style="margin-right: 8px; margin-bottom: 8px;" src="https://i2.wp.com/www.daytradetheworld.com/wp-content/uploads/2021/03/historical-volatility-1.png" alt="How to Use Historical Volatility in Your Trading Strategy DTTW™" width="100%" /></p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://nhmmuln.info/stock-market-volatility-strategies/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Menstrual Cycles That Sync: A Mystery Unraveled</title> <link>https://nhmmuln.info/menstrual-cycles-that-sync-a-mystery-unraveled</link> <comments>https://nhmmuln.info/menstrual-cycles-that-sync-a-mystery-unraveled#comments</comments> <pubDate>Sun, 02 Apr 2023 02:32:45 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Cycling]]></category> <guid isPermaLink="false">http://nhmmuln.info/?p=44</guid> <description><![CDATA[“I know this sounds crazy but I know when my menstrual period is going to start because when my girlfriend at the office starts her period mine will always come the next day.” Sound familiar? First of all, no, you are not crazy, and without a doubt this is exactly what is happening. Second, with [...]]]></description> <content:encoded><![CDATA[<p> “I know this sounds crazy but I know when my menstrual period is going to start because when my girlfriend at the office starts her period mine will always come the next day.” Sound familiar? First of all, no, you are not crazy, and without a doubt this is exactly what is happening. Second, with a little bit of knowledge about menstrual cycles you can understand exactly how this works. Just like every magic trick has a logical explanation, this common phenomenon can also be understood.Knowledge of the Menstrual CycleTo begin with, menstrual cycles do not have to be 28 days to be normal. In fact, in a series of classic studies by Vollman in 1977 on more than 31,000 menstrual cycles, fewer than 13% were exactly 28 days. Normal menstrual cycles are thought to fall between 24 and 38 days with greater instability being noted as a woman ages.There are two phases of the menstrual cycle: pre-ovulation, and post-ovulation. Starting with the first day of the menstrual period, everything that happens up to ovulation (the release of the egg) is part of the pre-ovulation phase. Therefore, everything that happens after ovulation up to the beginning of the next menstrual period is part of the post-ovulation phase. The most important thing to remember is this: whereas the number of days AFTER ovulation is relatively constant (approximately 2 weeks), the number of days BEFORE ovulation is highly variable.What does this mean? This means that if the menstrual cycle was short, then the pre-ovulation phase was short. For example, ovulation occurred 8 days after the menstrual cycle started (pre-ovulation phase = 8), the next menstrual period was 14 days later (post-ovulation phase = 14), and the total length of the cycle was 22 days (8 + 14). Likewise, if a menstrual cycle became really long, then it just took longer to ovulate. For example, pre-ovulation 26 + post-ovulation 14 = a cycle length of 40 days.The most amazing thing about all of this is that if a woman can learn when she becomes fertile and when she ovulates (something that is easy to learn how to observe) then she can PREDICT the exact day that the next menstrual period is going to start – two weeks in advance!What Makes Cycles Vary?The winner is… STRESS! There are many things that can cause menstrual cycle variation such as medication, hormones, weight loss, weight gain, etc., but by far, the major influence is stress. The main effect of all of these things is that it takes longer to reach ovulation. Stress delays ovulation! The creator of the female body was a genius because if you think about it, the woman’s body will naturally delay ovulation if a she has way too much stress, becomes ill, or chemically imbalanced-not a good idea to get pregnant under these circumstances!Putting it All TogetherSo what do women who menstruate at the same time every month have in common? The stress pattern. In the above example, these two women both work in the same environment. As such, they have common stressors such as project deadlines, renewal of contracts, etc. The same story is frequently heard among women who live in a dorm together in a university. Once again, the stress environment is the common factor such as, quarterly exams, midterms, finals, etc. During times of stress, ovulation is delayed. When the stressors disappear, ovulation occurs and the menstrual periods begin approximately 2 weeks later.When it comes to the menstrual cycle, there is no shortage of myths. There are so many, in fact, that writing articles such as this one could easily become a full time job! </p>]]></content:encoded> <wfw:commentRss>https://nhmmuln.info/menstrual-cycles-that-sync-a-mystery-unraveled/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Book Review of “Titanicus”</title> <link>https://nhmmuln.info/book-review-of-titanicus</link> <comments>https://nhmmuln.info/book-review-of-titanicus#comments</comments> <pubDate>Sat, 01 Apr 2023 22:22:35 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Empirical Sciences]]></category> <guid isPermaLink="false">http://nhmmuln.info/?p=42</guid> <description><![CDATA[I’ve been taking a bit of a break from Warhammer 40k novels recently. Mostly I’m waiting for the next outing in the Horus Heresy series, which is available for preorder now and coming out in November.However, I decided to dip my toes in the Warhammer 40k universe, just to keep my Waaargh juices flowing and [...]]]></description> <content:encoded><![CDATA[<p> I’ve been taking a bit of a break from Warhammer 40k novels recently. Mostly I’m waiting for the next outing in the Horus Heresy series, which is available for preorder now and coming out in November.However, I decided to dip my toes in the Warhammer 40k universe, just to keep my Waaargh juices flowing and so I picked up a copy of “Titanicus” by Dan Abnett, who I generally consider one of my favorite 40k writers.The book focuses on a war between the legendary Titans of the Warhammer 40k, which are gigantic two legged machines of uninhibited apocalyptic power.<br />A Titan is something that is incredibly rare in Warhammer 40k lore and every single one is considered a holy relic by the machine worshiping Mechanicus order.In Titanicus the reader is witness to the extremely rare event that is an Imperial Titan Legion coming up against a Chaos Titan Legion, and the resulting destruction is appropriately crazy, even if the whole experience does perhaps feel a bit flat.The plot sees the forge world of Orestes come under attack. Forge worlds are critical worlds for the Empire in the Warhammer 40k universe, as they serve the purpose of producing incredible amounts of military hardware that is needed to fuel the constant fight for survival that mankind finds itself in.Luckily the Titan Legion Invictus is stationed on the world and are ready to aid in the defense. It soon becomes apparent that the Chaos invaders have brought Titan war machines of their own, however, and so we are treated to many pages worth of description of tense god-machine on god-machine action.Besides the tale about the actual war and the many battles, Titanicus actually spends a large amount of time on trying to tell a story about political intrigue and attempts to build up characters that you will feel emotionally connected to.You will notice that I use the words “trying” and “attempts” and I sadly must say that they are very much apt.I do not feel that Abnett really nails at all the exotic culture that you would expect to find inside a Titan Legion or among the inner workings of the Mechanicus. Instead I was slightly riled to encounter several attempts at light humor that seemed pretty forced and uncharacteristic coming from the kind of people that it did.So at least the Titan battles are awesome, right? Well… I have to say, they did not really do it for me either. Maybe it is just me, but I feel that Titans have been built up in the Warhammer 40k mythology to a point where just having a couple of them together in the same place should be an incredibly epic experience and the battle between two of these kinds of machines should be city leveling stuff.But in Titanicus there are just so many Titans that it almost reduces combat between them to a mundane event.<br />Giant city block sized Warlord and Reaper class Titans get taken out several times over the course of the book and frankly it cheapens the feel of awe and wonder that I have for 40k Titans.I am sorry if this review ends up sounding very negative, but after finishing Titanicus I feel that massive battles between large groups of Titans is perhaps something that sounds cool on paper (or well, not on the paper of this book, but whatever) but doesn’t actually work out that great in practice.Furthermore I feel that the non-battle sequences in the book left a lot to be desired, so I couldn’t even just gloss over the battles and try to follow a gripping story of political maneuvering, which is actually something that I usually also enjoy in Warhammer 40k books.All in all I can’t really recommend Titanicus to you, unless you are absolutely incredibly stoked about the idea of Titan on Titan smackdowns. </p>]]></content:encoded> <wfw:commentRss>https://nhmmuln.info/book-review-of-titanicus/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Think You Don’t Need Estate Planning Because Everything is Owned Jointly?</title> <link>https://nhmmuln.info/think-you-dont-need-estate-planning-because-everything-is-owned-jointly</link> <comments>https://nhmmuln.info/think-you-dont-need-estate-planning-because-everything-is-owned-jointly#comments</comments> <pubDate>Sat, 01 Apr 2023 16:02:23 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Estate Plan Trusts]]></category> <guid isPermaLink="false">http://nhmmuln.info/?p=40</guid> <description><![CDATA[I can’t tell you how many people tell me that they are not worried about estate planning because they own everything jointly with their spouse, so it doesn’t really matter.WRONG!Here are a few reasons why that kind of thinking costs thousands of dollars (at least):1. What if you both die at the same time?If you [...]]]></description> <content:encoded><![CDATA[<p> I can’t tell you how many people tell me that they are not worried about estate planning because they own everything jointly with their spouse, so it doesn’t really matter.WRONG!Here are a few reasons why that kind of thinking costs thousands of dollars (at least):1. What if you both die at the same time?If you and your spouse die in the same accident and you have no planning in place, you’re looking at spending a heck of a lot in probate fees. We estimate right now that probate costs approximately five (5) percent of your gross estate value. So (to give a little perspective) if all you own is a house worth $500,000, you’re paying $25,000 to the court and your personal representative, possibly more when you take attorney’s fees into account.And that’s not all. If you have minor children when you die without any planning in place, your kids are each going to get their share of inheritance when they turn 18. Yes, the law requires this! The law also does not discriminate with age when it comes to inheritance. So, your 20-year-old son and your 2-year-old son will inherit the same amount of money! Not what most parents would have wanted.2. You could miss out on certain tax advantages only afforded married couples.When you plan for death with joint ownership, what you effectively do is delay tax payment. What you lose when you plan this way is the tax benefit that married couples are afforded. Each person has a certain tax exemption when it comes to paying estate taxes ($3.5M for 2009, No tax in 2010, then $1M in 2011 and beyond). But with joint ownership planning, you lose one of those exemptions all for the sake of delaying payment. Each married couple should be planning for two tax exemptions. It might not be worth it in your case to lose that all for the sake of delaying any payment.3. Your assets are not protected after your death.If you die before your spouse and own everything jointly, you’re leaving an unprotected estate to your spouse and kids. If your spouse has creditors, they can reach all of the estate. If your spouse remarries then divorces, he or she may lose some of your estate to the ex. Or, if your spouse remarries and dies, there’s no guarantee your kids will see any of that inheritance. Even if your spouse doesn’t remarry, if he or she doesn’t do any further estate planning, after his or her death, your children will receive their inheritance outright and unprotected. So, your child’s creditors or ex-spouse may have a claim to it.4. You lose the benefit of stepped-up basis.Many married couples don’t plan for taxes, maybe because their estate is not taxable for estate purposes. But what happens when one spouse dies and the survivor needs or wants to sell the family home to pay for new expenses or just to downsize?Normally, when you sell property, you are taxed on the gain – the difference between the sale price and the “basis” price (usually the amount you paid for the property). When people own property as tenants by the entirety or as joint tenants with right of survivorship, they receive a stepped-up basis on half the property, but retain the same basis on the other half.Here’s an example based on one from the book The Living Trust, by Henry Abts. (The book is really written for non-lawyers to understand the benefits of planning with a Living Trust.)A couple buys a piece of land for $20,000 and holds title as Tenants by the Entirety. By the time the wife dies many years later, the property is worth $1,000,000 because they built their dream home on it and it’s in a great location. The husband’s half of the property retains a $10,000 basis, but the wife’s receives a stepped-up basis at her death – $500,000. So, let’s say that the husband decides that he can no longer live in this beautiful house that he and his wife built together and spent so many happy years in. He sells it for $1,000,000. With a basis of $510,000, his taxable gain is $490,000. However, he does still get the personal residence exclusion of $250,000, so his taxable gain is $240,000. At 15%, husband would pay $36,000 in taxes.By contrast, had the couple put their home into a community property living trust, the home would have received the entire stepped-up basis at the time of the wife’s death, and the husband would have had no taxable gains.<br />(By the way, the situation is even worse if the husband had decided to rent out the home for a few years before selling it, because he couldn’t have claimed the personal residence exemption, but this would have been a non-issue if the home had been held in a living trust.)(Another by the way: A living trust is especially necessary when you have multiple properties, because you can only claim one as your personal residence for the exemption.)Planning with a Revocable Living Trust is a far better way to go. You retain lifetime control over your assets, but leave a much cleaner situation for those you leave behind. </p>]]></content:encoded> <wfw:commentRss>https://nhmmuln.info/think-you-dont-need-estate-planning-because-everything-is-owned-jointly/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Why Your Fears Hold the Keys to Strong Personal Growth</title> <link>https://nhmmuln.info/why-your-fears-hold-the-keys-to-strong-personal-growth</link> <comments>https://nhmmuln.info/why-your-fears-hold-the-keys-to-strong-personal-growth#comments</comments> <pubDate>Sat, 01 Apr 2023 12:05:52 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Personal Growth]]></category> <guid isPermaLink="false">http://nhmmuln.info/?p=38</guid> <description><![CDATA[Our fears are what can be holding us back the most in our lives. Everybody has them; it is a part of being human; we collect them throughout our lives until we have the wisdom to let go of them. They affect us in our everyday lives and we are not even aware of most [...]]]></description> <content:encoded><![CDATA[<p> Our fears are what can be holding us back the most in our lives. Everybody has them; it is a part of being human; we collect them throughout our lives until we have the wisdom to let go of them. They affect us in our everyday lives and we are not even aware of most of them.The energy we have, the belief system we have in any given moment can be affected by our fears. How do we know? Well unless we feel completely at peace and enlightened then there are fears somewhere in our subconscious mind that is affecting us.It is what we are all here to do, to learn to get back in touch with our true inner selves and our state of enlightenment. We come here to experience and learn lessons that are aimed towards living in harmony with our environment.Most of the mistakes that we make are because of the influences from a given set of fears. Then we should look at them, understand them and overcome them. Well it is not that simple because our society has not taught us to do that properly, instead we are encouraged to be defensive and try to control the situation better next time. That means instead of letting go and being free, we do the opposite. It goes against the true meaning of self growth.We can learn to control situations better or we can let go of our fears so we don’t have to. When we are free we have the room to connect with our true potential.Most of us don’t know how to deal with fear properly in our mainstream society, it is one of those mysteries with many different theories. We can learn to think differently, that slightly changes a belief system that becomes less vulnerable to the side effects of fear, although doing that doesn’t solve the problem and may compensate the belief system for something else.There is nothing like resolving fear at the source. Learning how to do this can really align us on a strong path of personal growth. Because when we resolve fears, we learn how and why we do certain things. Then we can see it in others as well. This new knowledge creates more compassion towards others. We can also see parts of our true vibration that have been suppressed. It can also shed light on why everything happened the ways they did in our lives, we can see purpose out of them.For example if you are afraid how you are going to accomplish something in an important situation, you can either keep over-analysing or you can choose to find your intuition. This is when you need to take a short private moment and take deep breaths where you can let yourself go into a light mediation. Your body becomes more aware and you can confront this fear. You will either be able to let it go completely or weaken it’s power over you. Then you’ll be better able to use your intuition which is how you’ll get the best results. The key is to do this over and over again so that you build trust in yourself. </p>]]></content:encoded> <wfw:commentRss>https://nhmmuln.info/why-your-fears-hold-the-keys-to-strong-personal-growth/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Server not found</title> <link>https://nhmmuln.info/server-not-found</link> <comments>https://nhmmuln.info/server-not-found#comments</comments> <pubDate>Sat, 01 Apr 2023 00:57:32 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Fashion Design]]></category> <guid isPermaLink="false">http://nhmmuln.info/?p=35</guid> <description><![CDATA[#EANF#]]></description> <content:encoded><![CDATA[<p>#EANF#</p>]]></content:encoded> <wfw:commentRss>https://nhmmuln.info/server-not-found/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>5 Empowering Tracks From Female Icons To Make You Feel Inspired</title> <link>https://nhmmuln.info/5-empowering-tracks-from-female-icons-to-make-you-feel-inspired</link> <comments>https://nhmmuln.info/5-empowering-tracks-from-female-icons-to-make-you-feel-inspired#comments</comments> <pubDate>Wed, 14 Sep 2022 09:34:51 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[cleaning]]></category> <category><![CDATA[driving]]></category> <guid isPermaLink="false">http://nhmmuln.info/?p=33</guid> <description><![CDATA[Sometimes we all need a little lift. Whether you’ve had a recent knock to your confidence, have been going through stress in your personal or professional life, or have always struggled with your self-esteem, music is an essential tool for lifting your spirits and making you feel better about yourself. According to a study by [...]]]></description> <content:encoded><![CDATA[<p>Sometimes we all need a little lift. Whether you’ve had a recent knock to your confidence, have been going through stress in your personal or professional life, or have always struggled with your self-esteem, music is an essential tool for lifting your spirits and making you feel better about yourself.</p><p>According to a study by Heriot-Watt University, the type of music you listen to not only influences your mood, but also your personality, with indie and rock/heavy metal fans reporting the lowest levels of self-esteem, while fans of jazz, blues, opera, classical, pop, rap and soul all reported high levels of self-confidence.</p><p>So if you’re having a ‘down day’, why not boost your spirits by listening to some powerful, uplifting tracks? Here are five perfect confidence boosters.</p><p> Britney Spears – Toxic</p><p>Britney’s own struggles with her mental health and conservatorship have made her an inspiration for many people across the world.</p><p>This classic song is timelessly sensual, and the heavy beats throughout make it impossible not to dance to. A welcome blast of nostalgia, this tune has filled dance floors across the globe with fans old and new.</p><p>The video features Britney as a female spy playing the sexy flight attendant, seducing her passenger before she makes her escape on a motorbike and breaks into a high-security facility guarded by a laser security system.</p><p>This track and video is a guaranteed way to feel invincible, and deserves a place on your playlist no matter your mood.</p><p> Kelis – Milkshake</p><p>A cheesy classic that is guaranteed to make you feel all warm and gooey inside, Kelis pumps up the heat in this 00’s RnB track. Underpinned by intricate drum beats and electric elements, Kelis’ self-confidence is infectious, and it’s hard not to find yourself smiling at the lyrics.</p><p>This track is a great way to get into a flirtatious mindset, making it a great choice before going on a date or heading out for the evening.</p><p>And if you’re staying in? It’s a great mood lift. But beware! You may find yourself craving a sweet treat.</p><p> Eve (ft. Gwen Stefani) – Let Me Blow Your Mind</p><p>This RnB classic will capture your attention with its assertive rhythm and powerful vocals from 00’s icons Eve and Gwen Stefani. Featuring a laid-back – yet self-assured – beat, and catchy guitar riff, this is a great track for driving, and its empowering feel is sure to help you feel motivated.</p><p>Got a job interview lined up, or thinking of asking for a raise? This anthemic number is a quick way to feel positive and more assertive.</p><p>The video features Eve and Gwen Stefani crashing an exclusive event on quad bikes, causing a stir among the privileged attendants, and shoving the performer off stage to perform their own music, before finally being arrested and taken to the station in a police van.</p><p>This ‘baddie’ track helps you to tap into the hidden ‘bold’ side of your personality, and lifts your mood while keeping you feeling calm and cool.</p><p> Fergie – MILF$</p><p>If you have kids, it can be difficult to feel sexy. When you’re running around cleaning the house, changing nappies, or up to your elbows in dishwater, you can easily forget your sensual side – leaving you feeling frumpy and lacking in confidence and motivation.</p><p>Thankfully, Fergie’s comeback track is a quick remedy to your low mood and lethargy.</p><p>Featuring attractive mothers dressed in curve-hugging latex and silky lingerie going about their daily life in a dreamy, colourful suburbia, this track is a quick way to transform your self-esteem and transport you to a world where you are not just a mother, but a goddess too.</p><p>Why not shake off the day and tap into your feminine energy with Fergie, your sexiest PJs, and a bottle of your favourite wine?</p><p> Marina And The Diamonds – How To Be A Heartbreaker</p><p>Low confidence after a breakup? You’re not alone. Having your heart broken can leave you feeling depressed, undesirable, and unmotivated. So flip the tables on your ex and become a heartbreaker with Marina’s catchy club classic.</p><p>This empowering dance track will make you want to move your body and get in touch with your bad girl side, with its heavy beat and pounding rhythms.</p><p>Plus, if your libido has suffered as a result of your low mood, take a sneaky peek at the video – it will get your blood pumping with its steamy shower shots and smoking hot male models.</p>]]></content:encoded> <wfw:commentRss>https://nhmmuln.info/5-empowering-tracks-from-female-icons-to-make-you-feel-inspired/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>The Pandemic Effects on Hospitality Industries and How They Overcome It</title> <link>https://nhmmuln.info/the-pandemic-effects-on-hospitality-industries-and-how-they-overcome-it</link> <comments>https://nhmmuln.info/the-pandemic-effects-on-hospitality-industries-and-how-they-overcome-it#comments</comments> <pubDate>Tue, 13 Sep 2022 09:34:23 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Hospitality]]></category> <category><![CDATA[Industries]]></category> <category><![CDATA[Tour]]></category> <guid isPermaLink="false">http://nhmmuln.info/?p=31</guid> <description><![CDATA[The COVID-19 pandemic affects many aspects and many sectors of life. As a result, economic sectors are fully affected, and the hospitality industry is no exception. The hospitality industry is known to be the source of job opportunities and supports many livelihoods of millions of workers and their families. Because Indonesia is primarily reliant on [...]]]></description> <content:encoded><![CDATA[<p>The COVID-19 pandemic affects many aspects and many sectors of life. As a result, economic sectors are fully affected, and the hospitality industry is no exception. The hospitality industry is known to be the source of job opportunities and supports many livelihoods of millions of workers and their families. Because Indonesia is primarily reliant on the service sector, the tourist industry plays an important part in the country’s growth. The increase of the COVID-19 cases has brought about a huge increase in the number of workers getting expelled or having their work ended. How did the hospitality industry survive in this era? The pandemic has provided several opportunities for numerous hospitality industries to use specific mechanisms in order to overcome pandemic difficulties.</p><p>Tourism and hospitality industries affected by the COVID-19 pandemic, including hotels, restaurants, resorts, travel agencies, travel and transportation, and real estate, show a significant losing number of tourists. According to the president of the Indonesia Tour Guide Association (HPI, 2020), 45,000 visitors have cancelled their plans to visit main tourist spots in the country between January and May. Furthermore, According to UNWTO (2020), 100-120 million direct and indirect activities were in jeopardy, and foreign tourist numbers decreased 56% year on year from January–May 2020. These noteworthy diminishing numbers primarily influenced the Indonesian financial state. For example, hotel profits have dropped by up to 40%, having an effect on hotel operations and risking business continuity. The drop in international visitors has an effect on the salary of restaurants whose clients are more prevailing than foreign visitors (Block, 2017). Following the dropping, many hospitality industries are taking awareness of tourists’ health risks and protocols taking an advance.</p><p>The recovery of hospitality industries is indistinguishable from the progressively sophisticated information innovation utilized to pull in potential visitors to choose to travel. The regaining of tourist attractions after a pandemic is required to utilize other promoting techniques to advertise their items inventively. First, social media marketing reaches many internet users who are looking for tourist information hospitality industry. This strategy is helpful in advertising and attracts many tourists to find more information related to a tourist attraction in the designated region. Second, Tourism industry players and visitors, as well as government action, are required to arbitrate between the two groups. Government policies must be in the form of the finest judgments to characterize the middle ground between commercial actors and visitors (Anggarini, 2021). This means that provided policy in the hospitality sector during-post pandemics maintains the best solution for both tourists and hospitality owners. Last, all tourism-related activities must adapt to current conditions, in which humans must live alongside Covid-19 (Anggarini, 2021). By all means, many factors, including health issues, hygiene, and safety for tourists, are priorities.</p><p>In conclusion, even though the pandemic is really affecting the hospitality industry as a whole, it gives many advancements of movement done by the hospitality industry to survive. Many resources are being used as the development of technology to provide data destinations insight. In addition, the sophistication of information technology can also facilitate the government in supervising the implementation of safe travel in accordance with government recommendations. All these initiations are good examples of overcoming pandemic situations while running hospitality industries.</p>]]></content:encoded> <wfw:commentRss>https://nhmmuln.info/the-pandemic-effects-on-hospitality-industries-and-how-they-overcome-it/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> </channel></rss> If you would like to create a banner that links to this page (i.e. this validation result), do the following:
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