Monthly Archives: October 2017

Maximizing on Stocks at Retirement

How much money should you have in stocks at retirement? Responding to a question asked by an attendee at an Oxford Club Private Wealth Seminar, Alexander Green, the Chief Investment Strategist at the Oxford Club, noted that this is dependent on various factors including your age, health status, size of your portfolio as well as your monthly overhead.

 

Now more than ever, Americans are living longer and people retiring at 65 years could live up to three decades after retirement. As such, you would require equities that generate returns that exceed the rate of inflation within a period of 20 to 30 years.

While building your investment portfolio when young offers many buying opportunities, it bears the risk of having too much money in stocks at retirement. On the other hand, depending on investments to supplement other monthly sources of income will offer a small portfolio when the market rebounds.

 

Retirement rebalancing is recommended to avoid this risk. It entails having the amount of money you require in low-risk bonds and cash to cater for your monthly overhead costs as opposed to concentrating on the percentage of your portfolio in the stocks.

To achieve this, set aside five years’ worth of living expenses to cover the deficit between your pension and monthly overhead. This is necessitated by the fact that average time taken from the beginning to the recovery of a bear market is between three and a half years to five years.

 

When the stock market is at new highs, retirement rebalancing requires liquidating stocks to pay the expenses. On the other hand, during a bear market, expenses can be paid from the five-year reserve as opposed to cashing in the stock at low prices.

In case you do not have a portfolio large enough to set aside the reserve, you can opt to work more, save more, reduce living expenses, settle for three or four-year reserves or invest at higher return rates.

 

About The Oxford Club and Investment

Founded in 1989, The Oxford Club is an independent financial organization with a global network of financial investors and entrepreneurs. It aims at helping its members gain wealth through research on investment opportunities and maximizing on those with the greatest profit margin potential and least risks.

 

The Oxford Club’s educational arm, Investment U, uses various resources including free e-letters, videos, courses and conferences with their premium version of daily e-letter containing actionable stock recommendations. It was founded in 1999 and boasts of being one of the first independent financial education sites on the Web.

Stay up to date with online seminars from The Oxford Club: https://www.youtube.com/user/OxfordClubTV

Fantastic Cabinets By Siteline Cabinetry

Every homeowner wants their kitchen to look modern and sophisticated. There is no place for ramshackle cabinets in a beautiful home. This is why it is so important to buy from a forward-thinking company such as Siteline Cabinetry. Here are trends that Siteline Cabinet experts say every homeowner should look out for this year.

One of the biggest trends these days according to Siteline is personalization. Homeowners are taking advantage of the vast array of styles that are currently on the market and enjoying the benefits that are derived from all of them. Neutral colors are making an appearance in the designs of new kitchen cabinets hitting the market, as well as cabinets which boast sleek lines and smooth contours.

Since it seems like everyone wants to be connected at all times these days, so they do not miss anything, there are even cabinets being designed which feature charging stations so a fully charged phone or tablet is never from reach.

Function is also at the forefront of every designer’s mind these days as people are looking for the best ways to maximize storage in their kitchens without sacrificing the beauty that should come with freshly-installed kitchen cabinets. Siteline Cabinets are experts in helping to guide the homeowner so that their dream can become a reality. No more wasted space when it comes to cabinets, only unrestrained originality in regards to decor.

The Corsi Group, who is the parent company of Siteline Cabinets, are at the very forefront of the kitchen cabinet industry. They are proud in the fact that they own absolutely zero warehouses stuffed full with pre-made or pre-fabricated kitchen cabinets. Each cabinet is made from scratch with a design that is conceived in the mind of each customer. They can make whatever vision is inside of your head.

Learn more about Siteline on their blog: https://sitelinecabinetry.wordpress.com/blog/

Sawyer Howitt- Young And Soaring In The Business World

Sawyer Howitt is a 17-year-old entrepreneur who works as the project manager for the Meriwether Group, Inc. This is a company that deals with principal investments in Portland, Oregon. Sawyer is in his senior year of high school and has managed to juggle between his studies, internship and his work in the business and finance sector. He has been the project manager at Meriwether Group for nine months.

As a project manager, Sawyer Howitt is conversant with the financial and operational needs of businesses. He also understands ways in which a brand can be made to resonate and connect with the consumers. He has proved capable of handling complex spreadsheets and boardroom presentations. Sawyer also takes on the smaller but essential jobs such as filing and taking the notes during meetings.

Despite his age, Sawyer has had vast experience in the business sector. He has been a director for some philanthropic organizations which support causes such as defending women’s rights. The teams he directed have also been involved in Educational funding and helping troubled youths find mentors. Sawyer Howitt has also impressively led international ethnic studies groups. He was the customer care representative at Kure Juice Bar.

Sawyer will join the University of California, Berkeley, in fall 2017. He plans to study for Entrepreneurial Finance. This degree program will help him advance his career as an entrepreneur. When he has some time in his hands, Sawyer Howitt likes to catch some trout in the river or to watch the Portland Trail Blazers play. Like any other young person, Sawyer wants to keep up with the trends in music, popular culture, and fashion. As an ambitious entrepreneur, he looks at how these patterns intersect with the world of commerce.

Sawyer Howitt has continuously been involving with projects that research changing the face of commerce in the future. Given that businesses are now operating in a technological age, Sawyer looks at how companies adapt to the dynamic nature of technical changes. Sawyer Howitt has a good business mentor with his father, David Howitt who is the founder of the Meriwether Group.

Learn more about Sawyer Howitt: https://californiablog.org/content/top-cities-young-entrepreneurs-according-sawyer-howitt

Bridget Scarr Excels in Production and Writing

In her great affinity for quality content, Bridget Scarr produces content that suits all fields in different platforms. Bridget Scarr is famous as productive writer together with a very creative writer. Her intense world and exhibitions projects echo the whole world attracting a large audience in both intellect and emotion. Bridget Scarr has developed her career for over fifteen years in production. Bridget Scarr appears as a seasoned producer in advertisements, animations and television broadcasts. Bridget Scarr is a manager of a group comprising of between five to two hundred and twenty members in which she is mandated with the responsibility of coordinating them well. Bridget Scarr together with her team is supposed to be very active in the production and creative as well in entertainment, spanning drama, factual entertainment program Lifestyle and animations.

 

Bridget Scar holds the position of development at the Colibri Studios. On top of this, she is currently occupied with overseeing collaborations development. Bridget Scarr works in hand with international casters and partners, putting talents together in coming with and producing a project. The need for a house to house all her ideation pulled her into deciding to join the Colibri Studios. Bridget Scarr needed a place to set her ideation all under one roof without considering the type of project.

 

Bridget Scarr is a successful producer simply because she has the knowledge that every production has to be unique and all have different inspirations at the beginning. This fact in her knowledge is exhibited in her current project on augmented reality. In this project, Bridget Scarr is required to connect the user to history created through incorporating daily stories of the people that lived on that particular day. The development of this augmented reality involves bringing together facts and scripted information. The project, in the end, is supposed to have a monument and, or landmarks that will give the user the true happenings in that period. Additionally, the user ought to be taken deeper by the story such that they can be able to vividly see what the people faced and also experience the reality of the story. Moreover, the story should be relatable and therefore requires the use of real people with their background information.

 

It is the requirement for Bridget Scarr to see the accomplishment of the project. Evocation landmarks and the history of the people is a must for her for the success of the project. Next, the project involves the collection of stories of the humanity that live during that era to help create the emotion out if the production. Then afterward, Bridget Scarr settles the team to start working on the project, and the entire process takes months.

 

To learn more, visit http://bridgetscarr.com/.

Fabletics & Kate Hudson are a Perfect Match

As with a lot of things, Amazon controls a sizeable stake in the clothing e-commerce business. And taking on a giant like that is no mean feat, but that is what Fabletics, by Kate Hudson, has achieved. In a few short years, the company Kate has associated with, Fabletics has grown to become a major player. By some estimates, it has achieved the $250 million mark! Part of the reason for this success is Fabletics marketing technique. It uses a subscription-based model, wherein the customer signs up to become a member and chooses their clothing based on their needs. Customers can do this by taking a fun lifestyle quiz which helps them decide what to get for themselves.

The Brand

Fabletics makes clothing for the physically active women, hence their clothing fits into the athleisure niche. This is a niche that has been controlled by a small group of players, charging huge sums of money for their products. However, price and even quality of a product are not enough for an e-commerce business to succeed. Aspects such as branding, last mile service, customer perception and design are also a big part of the picture. Fabletics understands this and they have succeeded in spades. Interestingly, Fabletics has not limited itself only on the e-commerce side of things. They have and are opening brick-and-mortar stores to take their brand and experience directly to the people.

The combination of having a membership-based service, along with stores now takes care of the “I want to see and feel the product” aspect that many customers seem to crave. In fact, according to Gregg Throgmartin, General Manager of Fabletics, the company is capable of giving a more personalized experience for customers, at half the cost of its competitors.

Bringing in More People

Recently Kate Hudson oversaw an event at the Beverly Hills hotel. The event was to launch Fabletics association with Demi Lovato, the world-famous pop star. Demi is joining up with Fabletics because she really believes in the company and loves the products. Demi is of the opinion that Fabletics makes products that all people, no matter what their age, gender or size is, can feel empowered and happy using the products of this company. The company was founded in 2013, by Adam Goldenberg and Don Ressler. They approached Kate Hudson because they felt that her lifestyle and image would be a perfect fit for the company. And going by the numbers, it certainly has.