Balancing Stocks vs Bonds as You Retire

For those fortunate and dedicated enough to have built a significant portfolio balance before retirement, determining what to do with it post-retirement can be difficult. For these investors, optimal growth and effective risk management has been their entire focus for the last 30 or 40 years, and it can be difficult to shift gears once it’s time to retire.

The last thing any retiree wants is for their portfolio to take a major hit after they retire. It’s a big commitment to pass on the torch and give up your job at the peak of your career and earnings. It’s not a decision that can easily be reversed; in many cases, it would take a decade to get back to where you once were.

As such, even the wealth management experts of the Oxford Club understand that is not practical to pursue maximum gains forever. Alexander Green, director of the Oxford Club in a few pieces of advice for retirees in this exact situation.

The major takeaways from the lesson is that bear markets do not last forever, but they often last a lot longer than is comfortable. Since the average bear market takes three and a half years to recover, Green recommends that retirees keep 5 years worth of living expenses in a fixed-rate account.

It is not something that is done lightly though. You do not want to make this change if you are already in a bear market because these stocks are poised to make a comeback. Nobody can completely time the market, but it has been more than 10 years since the last bear market, and the business cycle indicates that the next bear market is coming soon.

Once the market recovers, a minimum of five years after the bear market has begun is when he recommends that retirees re-balance their stock portfolio. They can do this by liquidating equities and restocking their five-year reserve.

For many, this five-year reserve can be difficult to build, but for anyone who follows the principles of the Oxford Club and Investment U it should be no problem. Starting early and following the principles in the newsletter is all any investor should need to ensure a stable income for retirement.

For more information on the Oxford Club, follow them on Twitter @The_Oxford_Club

Siteline Cabinetry and the Latest Cabinet Trends

Housing and housing decor styles continue to evolve over the years, and this is demonstrated in a major way with the current cabinet trends seen in many homes. At present, there are seven kitchen cabinet trends that are sure to catch the eye of any homeowner or home visitor and make you the envy of the rest of the block! Consider the following:

1. Personalized Cabinets.

Despite everything else that might be trendy on this list, homeowners are ignoring that and installing cabinets that fit their own personal needs and tastes. They are going for colors and styles that they can really put their heart into, such as browns, whites, and other hues. Cabinet companies are getting the message and coming up with better cabinets for homeowners to consider.

2. Clean Lines and Subtle Designs.

Cabinet door styles are going for flexibility in the long term by going with simpler designs with clean lines. Clean lines and subtle lines are also great for those looking to upgrade as well!

3. Shaker Style.

Shaker Style cabinets have been in vogue for many years now. They consist of a plain, square design but there are now many more variations of the original shaker blueprint.

4. White, gray and neutral colors.

White kitchen cabinets will always be popular, but gray and neutral are also seeing an uptick in popularity.

5. Functional designs.

In every part of the home, the materials need to blend function and design. This is especially true for the kitchen cabinets. In other words, they should have a certain degree of eye appeal but maintain their function.

6. Horizontal cabinetry.

Cabinets that are square and vertical are still popular, but cabinets that are horizontal is on the uptick. One advantage to horizontal cabinets is they give your kitchen a much cleaner look.

7. High-tech cabinets.

Finally, cabinets that look high-tech are also coming into their own. This would include cabinets complete with built-in charging stations.

Siteline Cabinetry is your one-stop-shop for everything cabinets. They have every cabinet you could want for your home!

Moreover, they also have a team of experts to help you find the right cabinets to suit your needs and can help you come up with the right color scheme.

If you are looking to update your cabinets, now is the time to contact Siteline Cabinetry!

Luiz Carlos Trabuco Cappi Drives Bradesco

Luiz Carlos Trabuco Cappi is widely credited with the turnaround that Bradesco experienced soon after taking leadership at the financial institution. His main objective at the time was doing the best to serve the municipality that the organization served. Different from the general perception of being ranked as the top-ranked bank, Luiz laid much emphasis on performance and service. This was at a time when Bradesco had just lost its leadership position to another competing financial institution in the name of Itau Unibanco. Within a span of a few years, Luiz managed to reclaim Bradesco rightful position in the insurance market in Brazil. This was a feat that most pundits thought would have taken the bank at least six years to accomplish.

With approval from chief stakeholders in the institution, he bought the Brazilian branch of HSBC at the cost of $ 5.2 billion, the largest business transaction in Brazil since 2015. With this action, he as able to reclaim the leadership position of Bradesco within a short time frame. This made the company to be recognized as the Entrepreneur of the Year in Finance by Money. This initiative by Luiz increased his popularity and fame as the best financial professionals in the Brazilian financial market. He is known to be a hardworking professional whose main objective to make Bradesco the best insurance company, not only in Brazil but also to the rest of the world.

Luiz Carlos Trabuco Cappi was born in 1951 in Marilia and graduated from the University of Sao Paulo in the Faculty of Philosophy, Science and Letters. He then began his banking career in 1969, going through the ranks finally taking the executive authority position at Bradesco Seguros in the period between 2003 to 2009. During his tenure, he created a corporate university at the company. The primary objective of this initiative was to give independence to promoted personnel in the enterprise. This was a comprehensive initiative to seek out market professionals in the industry. In this case, the company managed to get great banking innovators like Renato Ejnisman who was the executive director of Bradesco BBI. It is through his initiatives that Bradesco was able to maintain its market position by having in its stead the best financial market professionals that the country could offer. He used this opportunity to nurture and identify talent that played a big role in the growth of Bradesco.

Currently, Luiz Carlos Trabuco Cappi is the president of the largest insurance company in Brazil. He was awarded, for the second time, the trophy as Insurance Personality of the year in 2007. He believes that the insurance sector is like some private arm of the state which is crucial is the maintenance of social welfare. Luiz also heads Fenasaude and is also a council member of Fenaseg Council including being the Vice President of the Institute for supplementary Health Studies (IESS).

Luiz Carlos Trabuco Cappi led a department that contributed about 40% of Bradesco earnings. The company has always held the tradition of maintaining market leadership in Brazil’s financial sector. It has become a matter of honour and privilege for all stakeholders in the company. This has made the bank to develop a strategy of acquisition which aims at making it even stronger. Its target companies include medium-sized private banks with national capital like Safra. The business strategy of acquisitions has made Bradesco a leading insurance company in Brazil with an unrivalled capital base and revenue. He is indeed, regarded as the driving force at Bradesco, a company whose achievements and business processes have been acclaimed by many.

Lifeline Screening Stay Healthy and Disease Free with Timely Health Screening

The world of medical science continues to make rapid advances, and it is helping people lead a disease-free and healthy life. However, to lead a disease free and healthy life, the people also need to do their due. Apart from making the right life choices regarding what they eat, how much they exercise, how much they sleep, and so on, it is also important that they go for regular health screenings. There are many benefits of health screenings, and one of the main advantages is that it would help the people to know if they are suffering from any kind of disease or if they need medical attention. At times, many of the diseases go unnoticed for long time, and by the time it appears visibly, it just is in an advanced and incurable stage.

People should make sure that they take their health seriously and do not neglect the annual screening every doctor prescribes these days. In the United Kingdom and the United States, the biggest name in the world of health screening is Lifeline Screening. The company provides consultation to the people who are looking to get their health screened for various health issues they might be going through. Consulting with the family doctor and getting the prescribed screenings done at Lifeline Screening is also possible. Lifeline Screening provides a comprehensive range of screenings to ensure that people can get many different kinds of health screening done under one roof. Lifeline Screening has centers across both the countries it serves.

There are certain steps that you need to take if you are going for health screening at Lifeline Screening. The first and an essential step are to ensure that you do not eat anything for at least four hours before the testing is to be done. Before four to five hours of screening, the meal you have should not be too greasy or gassy as it may contribute to the result being inaccurate. Wearing buttoned clothes is an ideal choice for the screening. Lifeline Screening provides minimally and non-invasive painless screening and thus, one should be relaxed and calm during and before the screening. In some screenings such as for glucose and diabetes, a 12 hour period of fasting is mandatory. So, check with the Lifeline Screening a day earlier if there are any pre-requisites for the scheduled screening. Also, it is important that you do not wear any kind of lotion, oil, or use any such ointment on your body before the screening.

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How Did Kate Hudson’s Fabletics Make Such a Charge Towards Amazon?

There is no mistake who is the giant when it comes to online apparel sales. Amazon has not only held that crown for many years in a row, they have distanced themselves from even the closest competitor by a country mile. There is one company who is not willing to mix around with thousands of other clothing retailers at the bottom of that niche, and Kate Hudson’s Fabletics is about to show Amazon why they deserve top billing.


Kate Hudson’s Fabletics recently hit the $250 million mark in sales of women’s apparel, working shoulder to shoulder with Amazon in their sights.


If you were to ask Hudson how her company has been able to close the gap to Amazon, you may be surprised to hear that she will gladly tell you the answer. In short, the two keys to the success of Kate Hudson’s Fabletics come down to reverse-showrooming and a very rewarding membership package. This might be unclear to many, so to get a better understanding, you only need to drive to the local mall and walk inside the Fabletics retail shops. To your surprise, you will see women taking a Lifestyle Quiz, window-shopping, and trying on every pieces of women’s apparel that they can get their hands on.


Perhaps the biggest surprise is many of these women are leaving the store buying nothing, and Hudson says that is fine with her.


The reason Hudson is fine with her customers leaving the stores without making a purchase is simple, she knows they are going to return shopping online when it is convenient for them. Each piece of apparel that was worn inside the retail shop gets instantly uploaded to the member’s profile page online, so when they have time, they check out the larger online inventory and keep adding items to their cart. Since these shoppers know what pieces fit, they are free to look for new colors and styles without concern of the pieces fitting like the experience you get at Amazon.


The ultimate success of Kate Hudson‘s Fabletics and this athleisure brand all comes down to giving the customers more in value than they could ever expect to pay for. To that end, Kate Hudson’s Fabletics customers ll receive discounted prices on leggings, tank tops, and yoga pants, free shipping for those online orders, as well as the assistance of their very personal shopper from Fabletics.


This constant pampering has given Kate Hudson’s Fabletics a boost to the top, and Amazon could soon be the second biggest online retailer.


Meet Logan Stout the Founder and CEO of IDLife

Logan Stout is the CEO and founder of IDLife. The company is dedicated to health and wellness through the provision of customized nutrition. Stout established the company in 2014. Under his stewardship, IDLife has been ranked among 100 leading multi-level marketing companies in the world. To Stout, IDLife is more than just a profit making venture as he is passionate about helping individuals attain good health which is a prerequisite to being successful in other spheres of life. With the recent partnership of IDLife with Garmin, Stout’s brainchild is on its way to becoming the leading nutritional supplements provider in the US. Apart from IDLife, Stout has started over ten companies in America.

Stout is a sports enthusiast. He is an accomplished professional baseball player who participated in 17 World Series events either as a player or a coach. Stouts love for sports developed when he was at J.J. Pearce High School in Richardson, TX. He was part of the school’s Student Athletic Council, and he was awarded the MVP for his excellent performance in junior and senior basketball games. His love for sports culminated in the establishment of Dallas Patriots baseball organization which he also heads. The organization’s aim is to transform young baseball players to professional players. The organization prides itself on enabling its graduates to be part of college baseball.

One thing about Stout is his concern for other people. Apart from helping individuals attain their health goals, Stout is a motivational speaker. Through a book he authored, “Stout Advice: The Secrets to Building Yourself, People, and Teams,” Stouts enumerates an array of strategies that can push someone up the leader of success. He has also partnered with John C. Maxwell to speak to people on crucial topics of life such as leadership. He often encourages people to invest resources such as time and money in developing themselves to become better. He advises potential entrepreneurs to study the baby boomers and develop products or services tailored to make their lives better.

Stout is married to Haley, and the two are blessed with two sons. They reside in Frisco, Texas.

Logan Stout info:

The Business Skills of Louis Chenevert

There are few individuals who can run a noteworthy organization. Louis Chenevert is one of those individuals. Throughout the years, he has built up an awesome notoriety for increasing the value of others however much as could be expected. Many individuals are awed with the work that Louis Chenevert accomplished with United Technologies Corporation. This is one of the main organizations on the planet today.

Louis Chenevert is the kind of individual who is continually attempting to enhance his organization. He began putting resources into innovation at the outset, and this choice is beginning to pay off. He additionally firmly puts stock in treating representatives the correct way.


One of the main motivations for the achievement of United Technologies Corporation throughout the years is that the organization draws in the best ability in the business. Years back, Louis Chenevert chose to begin putting resources into worker ability and maintenance. Despite the fact that this was am costly choice at to begin with, the organization is beginning to see a considerable measure of advantages from it.

Louis Chenevert paid workers more than the business normal. This implies the best representatives from the business attempt and come to work for his organization. This is an enormous preferred standpoint in an industry like this one. In spite of the fact that it costs the organization more in worker compensation, it pays for itself rapidly through greater profitability at work.

Development Plans 

Louis Chenevert is perpetually unsatisfied with his present level of progress. Louis Chenevert is a solid advocate of putting resources into the neighborhood group also. He is the sort of individual who is continually eager to help individuals who are in require.

Chenevert stepped down from UTC in 2014. At present, he acts as an Exclusive Advisor for Goldman Sachs. The general population who work for him cherish his energy for work and assisting clients.

George Soros is not a Boogeyman but Conservatives should Fear Him

George Soros has been called a lot of things, including the boogeyman of conservatives. However, this moniker does not accurately describe his outstanding character. If Soros is a boogeyman he is only seen this way by conservative people who want to eliminate his funding for the liberal and democratic cause.Soros is the chief financier of liberals within the United States and around the world. He is the world’s 30th richest person. His vast resources allow him to make steep donations to various political organizations that supports his ideology. He even funds leftist organizations that he does not agree with, if they are willing to work with him in stopping the conservative agenda.Many conservatives believe that Soros is troublesome. Soros is not troublesome. He just does not want conservative government and politics to limit the freedoms of people and to hold them back from being successful in life.

For example, Soros does not like President Trump’s immigration ban. He does not see the ban as a means to stop potential terrorists from destroying the U.S.; he sees it as a clear violation of immigrant rights within America. Soros believes in an open society. An open society is an environment where people can thrive, express themselves without fear of retaliation and be given a fair opportunity to advance.According to Soros, many traditional governmental systems and leaders across the world, are infringing on these rights and liberties. People all over the world are being marginalized by their governments and political leaders. It does not even matter if they have constitutional rights. Soros sees this as a huge problem.

Especially, since he grew up in Nazi dominated Hungary.One of the primary reasons why Soros is the way that he is has to do with his upbringing. When Soros was a young teen, the Nazi’s took over Hungary. Yes, Soros has lived a long life and is now in his late 80s. When the Nazi’s ruled Hungary they made life of Soros a living hell. Though his family was spared the fate of the Nazi camps; he had to endure the present horrors that was a part of Hungarian society during the 40s. Never again.Once Soros experienced this situation he vowed to never go back to it again.

Soros is now committed to protecting the world from economic disadvantage, racial injustice and immigration discrimination. These various social and political ailments are what causes a society to become unstable. These are the conditions where tyrants rise up and gain control.This happened in Nazi Germany during the reign of Hitler and they will happen again if the world is not careful to heed the warnings and signs. If conservative governments see George Soros as boogeyman, good. They should live in fear of a person who has the power and resources to keep them from doing the wrong thing politically and socially.

Whitney Wolfe founder and CEO of Bumble

Bumble is the woman-first dating site where the woman has to make the first move in the case of a match of two heterosexual users. Bumble is fast growing and profitable. The app adding approximately 50,000 users a day. It has expanded to Austin, and Texas where they have 40 employees. It has an overall of 70 employees worldwide with offices in London, Australia, and Germany and strategies on opening an office in New York soon. The app was launched in December 2014.

A couple of days ago Bumble turned down a $450 million acquisition offer from Match Group. Match Group is the main company that carries bumble competitors like, Tinder, and OKCupid.

It came to a lame light that, in 2012, Whitney co-founded Tinder, the popular location based dating app. She was the VP of marketing who helped in launching the app and turned it in to be known by many. She left the company in 2014 and filed a case against Tinder and and InterActive Corp, claiming, “Dreadful sexual harassment and sex discrimination.”

It would have been awkward for the co-founder, Whitney Wolfe, to work for a company she had sued. She came up with Bumble and will release a redesigned app, where users can swap between Bumble for dating, Bumble BFF for friendship and Bumble Bizz for networking.

Whitney Wolfe

Wolfe is the founder and the CEO of Bumble. She is 26 years old. In less than a year ago, she has moved from a high-profile job at the massively popular dating app Tinder to suing for sexual harassment and accused her former bosses of the terrible act. She stood out on her own, founding her dating app named Bumble. It is described to be same as Tinder, except only women have the power to initial conversations.

Her motivation to form Bumble was due to her experience in Tinder where women are seen a joke and the sexual harassment she went through. She wanted women to feel the power and therefore gave them the platform hence the success of the app.

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Martavis Bryant-A Good Choice To Increase Your Fantasy Football Rankings

Martavis Bryant may have been evicted from 2016 Fantasy Football Line-up but never fear Fantasy Footballers, he is back and ready to move your league into a WR1 record season. Forecasters believe that if he can refrain from being suspended this season he can easily move into WR1 Fantasy Football rankings, with a possibility of being a WR2 contender.

Fantasy Football is a fantasy league made up of owners who are distributed into teams. Fantasy Football Rankings are tallied at the end of each week. End of Season Fantasy Football rankings are based on the win-loss records of the players that have been chosen by each owner and member on a team. Those with the highest Fantasy Football rankings are then allocated into a mock “playoff” season and the winning leagues can be chosen from the league with the most total points, or in a head off between two leagues.


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