Knowing Health Care Can Push Advisors Ahead of Competition

Life and health insurance agents who want to stay ahead of their competition might consider becoming experts at funding medical costs in retirement, a health care financing expert said.
Simple math will dictate that it’s only a matter of time before health care costs eat away at the what retirees can expect to take home in Social Security, said Ron Mastrogiovanni, CEO of the health care cost projection software firm HealthView Services.
“What I tell them (advisors) is that clients are extremely interested in addressing this problem,” Mastrogiovanni said. “It’s the No. 1 issue and to ignore it is a competitive issue for advisors.”
Advisors don’t need a degree from Caltech, or even expertise in Medicare financing, to understand that health care inflation threatens to rob clients of a comfortable retirement unless they follow a health care retirement financing plan, he said.
“It’s not that complicated in terms of what we need to know in terms of how to plan effectively,” he said.
When advisors see the numbers, they tend to recoil at the cost of health care in retirement or grouse that they don’t know much about the nuances of Medicare.
Many advisors themselves are uncomfortable with projecting health care costs in retirement until they come across simple, clear and easy software applications complete with webinars and help desks to get them through the calculations, Mastrogiovanni said.
But in fact, many advisors have managed more complicated retirement financing challenges than how to manage health care expenses in retirement for clients.
Social Security’s file and suspend, a recently terminated strategy to boost Social Security income for married couples is more complicated than the challenges of financing health care in retirement, said Mastrogiovanni.

Health Care Projections

Health care retirement spending projections appear in Health View’s 2016 Retirement Health Care Costs Data Report issued earlier this year.
The report breaks down retirement health care cost components and projects those component costs into the future.
“Driven by age, health care inflation (which continues to be a multiple of the U.S. inflation rates), and cost shifting, health care expenses are on a path to exceed Social Security benefits for many future retirees,” the report concludes.
The potential income loss underscores the need for diversified retirement portfolios and investing in tax-advantaged accounts like 401(k)s and health savings account.
The projected health care inflation rate of 5.1 percent for retirees in 2015 far exceeds the annual U.S. inflation rate of 0.7 percent, according to Health View’s report.
Factor in the meager 1.7 percent cost-of-living adjustment that Social Security paid recipients in January 2015 — recipients received nothing in 2016 — and it doesn’t take much to figure out that before long every dollar paid by Social Security will erode to pay for
Medicare premiums, the report said.
A 65-year-old couple retiring in 2016 can expect to pay $644 a month or $7,250 a year for Medicare Parts B, D and supplemental insurance, the report said.
By age 85, that same couple can expect to pay $2,387 a month or $28,644 a year, and that doesn’t even include out-of-pocket medical costs.
Over the life of their retirement, the average healthy 65-year-old couple retiring this year is projected to spend $288,400 in today's dollars on lifetime Medicare Parts B, D and supplemental insurance (Plan F) premiums, the report found.
When dental, hearing, vision and all other out-of-pocket expenses are included, the total retirement health care bill rises to $377,412, the report found.

Life Insurance and Means Testing

While there may be little to celebrate in adding health care cost inflation to death and taxes among life’s certainties, there are ways to mitigate those costs through shrewd planning and the use of life insurance and annuities.
Medicare “means testing,” which affects how much recipients pay based on financial means, is an “emerging issue” for future middle-class retirees as revised income tiers affect how much people will have to pay.
Aside from life-changing events such as the sale of a house or the death of a spouse, rising wages can push an average into a different bracket. That can trigger Medicare surcharges that result into more health care costs in the form of higher premiums, the Health View report said.
Since nonqualified annuities and life insurance policies don’t fall under the means test, advisors should think about the optimal mix between Roth 401(k) accounts, health savings accounts and life insurance as components of a health care retirement planning tool.
“Today we recommend advisors look at life insurance as critical component for planning not for the death benefit, tax benefit, but for the other piece,” Mastrogiovanni said.

10 Bedroom Fantasies Every Guy Has Had At Least Once

Men and women rarely share their wildest sexual fantasies with each other. It seems like both male and female are too shy or do not want to seem freaks to their partners. We have already discussed the most common bedroom fantasies most girls have. It is time to find out what are those dirty dreams guys have in their heads. If you think they are completely different from those women have – check out how wrong you are.

1.            Threesome

Most of the guys confess they would like to try sex with two or more girls at a time. Most of them imagine themselves lying in bed relaxed while ladies are doing all the job. They want to be admired and get as much attention as possible. The most desperate say they would love to share their partner with another man. Letting a stranger to their bed drives them wild. But they are afraid their girlfriends will deny it considering them crazy Because this is not the thing you tell to your regular partner.

2.          Dominating

Guys love dominating, especially in the bedroom. But most of them secretly dream getting tied to the bed and let their partner do whatever is on her mind. Although the reality of bondage isn’t for everyone, the fantasy of being in total control or being controlled is one shared by most men. They also confess they would love a girl to sit on their faces. They want it to be messy and feel a little bit suffocated and out of control. If you decide to try this one with your girlfriend – do not forget about stop words.

3.             Mature woman

Cougars have been in long-term relationships and marriages, which have provided years of sexual experience with one partner. Those memories are implanted into the older woman’s brain, and whether good or bad have shaped her sexual expertise. Guys are sure they know how to behave in bed, and they can teach them to perform it better. Most of them confessed they count on double pleasure having sex with an experienced lady.

4.               Virginity

Here we come to the opposite fantasy. Virgin girls are young and ‘clean’. Getting one to bed boosts male self-esteem and he feels as if he is a king of the universe. She has chosen him to open up the world of sex and no matter how many guys she has in her bed afterwards – he is always the one. The first one.

5.               Role Play

Every guy had that one sexy teacher at the school he would love to get into his bed. Or a hot nurse he met at the hospital once he had the flu. Every fetish deserves being brought to life. Girls love changing. Why not work a short scenario and bring it in with your tiny bedroom performance? With the women’s Halloween costumes as skimpy and as sexy as ever before, there’s little imagination needed with this fantasy. There are online catalogs with models wearing sexy outfits in just about any walk of life you can imagine. Although your imagination might create an even more irresistible fantasy woman.

Does Playing Adult Games Online Affect Your Real Sexual Life?

Believe it or not, playing video games rated as “adults only” actually affects your sexual life in real life whether you like it or not! We are going to explain how. Have you ever wondered how books, movies, and TV series influence you and other people? When we’re fond of something, we start living the way our favorite characters do; we unconsciously start copying their behavior, reactions, and habits. The same can be said about adult video games. A lot of players want to be as good in bed as those hot characters from games or they wish their partners were as flexible, passionate, and bestial as fictional ones. Of course, everything depends on a person and how vulnerable he/she is to different entertainment programs, life changes, and everyday things going on around. Some people forget about everything when they start reading, watching, or playing, others are less sensitive and able to pay attention not only to their books and screens. You should always keep in mind that playing video games may cause addiction. But the article is not about that, so let’s get back to the point.
Every couple goes through tough times sooner or later. Any relationship can’t always be that hot as in the beginning and needs to be freshened up all the time. A lot of couples start playing video games rated as “adults only” to bring a zest into their intimate life and spice up their relationship under the sheets. It’s a good idea if you need some changes in the bedroom. But first of all, you need to discuss your desires with your partner. What if your half doesn’t want to do certain things in bed? You can’t make people love role playing or dirty talking. We can tell the same about video games. Not everyone likes them. If a guy is obsessed with adult video games, but his girlfriend says it’s a taboo for her, copying sexy characters from games may only harm their intimate life. Before trying something new to boost your sex drive, make sure both of you want it.
Characters from adult games are always incredibly hot, sexy, lecherous, and dissolute. Super hot fictional females drive numerous men mad around the world. They do unimaginable things and stunts that ordinary humans can only be jealous of. If you and your partner decide to try something new in bed, you can start playing adult games online, and in a couple of hours pretend you’re a freaky detective and a horny nurse from a game. Just don’t forget about reality, you don’t have to copy all those crazy sex poses, it’s impossible! Don’t overdo it! Remember that adult games are a source of fresh ideas to level up your sex life. You may get unbelievable new experiences, but don’t take them too seriously.
One more interesting fact about adult games. People who play them say it’s much easier for them to relax in bed.

5 Porn Stars Who Earned Millions

Do you tend to associate becoming a pornographic actress with career success? No one ever bragged about finding their place in the porn industry. People mostly try to hide this side of their life. But recently the tendency is changing. Adult movies industry becomes mainstream. Porn actors gain a status of bona fide celebrities, they have millions of followers on social media, paps are trying to capture every step they take, and that means real cash! It’s hard to imagine, but some of the adult film stars are having six-figure incomes. Who are the richest porn celebrities on Earth?
Sunny Leone ($2,000,000)

Indo-Canadian porn actress. Her career started in 2001. Young pediatric nurse student was introduced to a Penthouse photographer who was dazzled with her sex appeal. The photoshoot was so successful that she soon took the covers of 15 adult magazines. In 2003 was named “Penthouse Pet of the Year” and starred in the video ‘’Penthouse Pets in Paradise”. That was her ticket to the hardcore pornography and her first step to millions. Today Leone is a popular Bollywood actress, model and a singer.
Sasha Grey ($2,500,000)

She always knew porn industry was just for her. Right after turning 18 she starred in her first movie. Sasha’s filmography is more than impressive. She knows her thing and does it well. One of the rare cases when the porn actress enjoys what she is doing. And her numerous awards just prove that. She has millions of fans all over the world. Grey is well known for being a model, a DJ, a songwriter and an actress.
Maria Takagi ($6,000,000)

Japanese sex bomb started her career in 2003. Beforehand she made several attempts at starting a non-nudity career but failed. She is known for posing for men’s magazines and, of course, her tremendous porn movies. Maria confessed that she loves her body and adult movies are just an art of exposing the beauty of her shapes. No doubt, her curves are mind-blowing! This is why men from all over the world keep waiting for her next films.
Tera Patrick ($15,000,000)

Busty Tera deserves her places in the AVN and XRCO Halls Of Fame. Her meteoric career started in 1999 and 2003 she earned her first million. She is famous for her hot photoshoots in Playboy and Penthouse magazines, about a hundred of high-quality adult movies and a revealing book. She took a risk to publish her memoir to unveil those sides of life porn actresses prefer to hide.
Jenna Jameson ($30,000,000)

Jenna is surely the world’s most famous adult-entertainment performer. She started as a stripper right after her 18th birthday. Then she tried herself starring in light erotic in 1993 and posed for nude photographs, and by the 2000’s she had hundreds of sexually explicit videos in her exposal. Later on, Jenna tried herself as an actress. Breast implants made her body look even more delicious, and her prices per movie went up. Jameson is the highest-paid porn actress of all time.

10 Horrifyingly Awkward Boob Modifications

The bigger, the better? You may change your mind after viewing the photos of horrifyingly awkward boob modifications. It’s hard to believe we live among people who think getting huge breasts is a cool thing.

The American stripper and adult actor is famous not only for her “acting” skills but also for her huge boobs. BB Gunns has a J cup size.

What She’s Thinking When You’re Sexting Her Vs What She’s REALLY Thinking When You’re Sexting Her

 

Admit it; sexting is fun. We’ve all done it in one way or another. It’s the best kind of flirt ever. Or even better, because you don’t have to change your sweatpants, you can just lay around in your old undies with your favorite TV show on in the background. Wait, don’t tell me you expect her to lay around in  lace, sexy underwear and heels, all ready for your text? Nah, that’s not how it works in real life. Ladies are naturally blessed with the ability to let the imagination go while getting involved in some routine. To be honest, when it comes to sexting, for women anyway, the reality is much more different and probably much less “sexy” than you might think.

There are a couple of things to keep in mind while sexting your girl. First of all, she’s doing it for you, mostly. If sexting were meant to get women off, our phones would come with a lot stronger and longer vibrate options. This thing might work for men, but not for women. So, they do it mostly for you, guys. They know it turns you on like crazy. However, this is just a tease, a part of the long game where the payoff is the love, the sex and all the goodies that come with it. Sure, it’s good fun, but it’s not like they are going to see stars over it. Consider it as a fun and naughty gift, a reminder of how lucky you are to have such a cool, fun-loving girlfriend.

You do realize that most of it are fake, right? You don’t expect her to sit in those sexy panties you bought her (may be she is, but most like she’s not)? Or that those nudes she’s just sent you are hers and not of some random girl from the Internets? But it doesn’t matter. It’s just a fantasy, storytelling,  foreplay. What matters is you two, now, fantasizing about what you want to do to each other later. The fact that she’s sitting around in her old sweatshirt, with zit cream all over her face, is irrelevant. Her mind is with you, and that’s all you should worry about right now.

What girls love about sexting is the show…the power of the performance. The kick they get out of shaping how you see them, and not the empty promise of an orgasm. Seriously, don’t think that if you (sometimes) can’t make her get off, a naughty wordplay will. She might get a little flushed or parched, but that’s all.

Second, if you’re going to talk the talk, then you better walk the walk. There’s no point to sexting if in the end the words don’t turn into action, and the actions don’t live up to the words. Girls don’t expect too much from you, nothing groundbreaking or life-changing. Just don’t go too far or too big, don’t promise things you can’t do. Just remember: if she’s responding to it in texts, then she’s expecting it in person. Don’t fuck it up!

Third, and most important thing to know is that words are ENOUGH for her. Unless she’s asking for it, leave pics of your junk out of this. No matter how many times she complimented your dick by saying how she loves and everything, the truth is she loves what it DOES to her and not what it looks like. It’s your words that should be at attention.

What To Do If You Win the Lottery: How To Screw Up And Lose It All

Have you ever dealt with a test on what would you do if you had a million? My friends once went wild about it, and I was puzzled for a few nights making strategies on what would I do to multiply my cash and turn it all into a few billions. Most of my friends talked about their cherished dreams and made me go mad. Considering the plans, they announced I made an ultimate guide on what to do to lose it all in the short term.
Rule #1:

Tell everyone you are an owner of a six-figure jackpot now. Or better visit a few TV and radio shows and reveal all the details of that lucky day and brag about how rich you are now. Let everyone know you are a part of that luxury world. Invite them to your place for dinner, lunch and even breakfast, serving the most expensive foods you can buy and they will all love you forever. Or, better make a great party with Champagne and fireworks so that everyone could see who is the boss now. Do not forget to invite a few celebs.
Rule #2:

Never take your money to the bank. That drawer at your place is such a nice place, and you can always take as much cash as you need. Bank clerks are looking for the wildest ways to trick you inventing additional fees and taxes daily. Better keep an eye on the cash.
Rule #3:

Get yourself all those luxury toys you saw on Pinterest. A Lambo and a yacht are must-haves today. And a diamond for each finger. Do not forget about a huge mansion. There is no need to count if you can afford that in a year or two – you are a millionaire, and you need a huge house. Or even a whole palace with a helicopter on the roof.
Rule #4:

Hire a financial consultant. You need one immediately. And a private psychologist, a driver, and three cooks: Asian, French and Italian. Hire as many people as you can – you are a millionaire! Let them take care about your life so that you could relax and enjoy. Counting the expenses? Who needs that? You have servants now, and you can make them deal with that.
Rule #5:

Give your girlfriend a free access to the money. She has deserved all those Prada and Chanel things she would buy use with your cash. Does she want a Ferrari? No problem! Get her that incredible red car to make all her dumb friends envy. They will consider you a superhero or at least a king of the universe. No girlfriend yet? No worries! You will not have to look for one – she will find you no matter where you are. A million dollars will work as a magnet for chicks, and you will only have to pick up the one you like.