Get "What?" from the Toilet Seat???

Don't miss any Bottom Line Secrets. Add our address, bottomlinesecrets@ebls.bottomlinesecrets.com, to your Address Book or Safe List. Learn how here. February 2, 2011 Arthritis Abolished in Minutes by Doctor's Astonishing Speed Cure Money for Life! Marge Couldn't Remember Her Phone Number... But Now Her Brain Is 20 Years Younger... Skin Irritations From Toilet Seats Are Becoming More Common The Great Cholesterol Hoax Dear healthwellness82@gmail.com, Some people love the intricacies of investment planning -- others, not so much. Whichever category you fall into, you’ll be interested in this approach that divides adult life into six distinct segments. Philip G. Lubinski, CFP, explains what to do during each five-year segment and shows what your monthly income will be if you follow his plan. It’s a simple but powerful retirement strategy. Some people are experiencing a strange reaction to certain types of toilet seats. Dermatologist Bernard Cohen, MD, reveals what type of toilet seat is "behind" this new health complaint! All the best, Jessica Kent Editor BottomLineSecrets.com PS: Don’t forget to check out Bottom Line President Marjory Abrams’ latest blog posting: Don't Buy from This Web Site. And don’t forget to share your thoughts on the blog with Margie. Arthritis Abolished in Minutes by Doctor's Astonishing Speed Cure People fly in from all over the world to visit the famed California clinic of Dr. Mark Stengler. His naturopathic speed cures are the stuff of medical legend -- sought after by film actors, sports stars and mega-millionaire CEOs. Legions of patients can attest to the power of this amazing new botanical "nano-cure." An NFL hero was stunned by its speed, as it eased his chronic hip pain in minutes! Better still, the relief "held" for days. Read on... Money for Life! Philip G. Lubinski, CFP First Financial Strategies, LLC You spend much of your life building up a nest egg to last through retirement. And you have to figure out how much you can spend each year without draining it too quickly. Then just when you think that you have a good plan, the stock and bond markets go on a roller-coaster ride that throws you off track, as they have in recent years. There must be a better way. Philip G. Lubinski, CFP, has a better way, and he has been proving that it is effective for nearly three decades. We asked him to explain how his plan works and why it’s especially valuable today... THE SIX SEGMENTS The traditional investment strategy that most people follow is to divide your retirement savings between stocks and bonds. In the first year of retirement, you withdraw a predetermined percentage of the total amount, typically 4%, to pay your living expenses. Each year after that, you increase your withdrawal rate slightly to adjust for inflation. But the market crash of 2008 forced many people to alter their savings and spending plans drastically to avoid running out of money. Better way: Divide retirement savings into six distinct segments, a strategy that I call the "income for life" retirement-planning model. Each of the first five of these segments finances a specific five-year period of your retirement. The sixth segment provides additional funds in case you (and/or your partner) live longer than 25 years in retirement. If not, this sixth segment serves as an inheritance for your heirs. This strategy has been proven in a study to allow retirees to maintain their initial principal and weather bad markets even if their initial withdrawal rate is as high as 5.66% rather than the traditional 4%. Here’s a closer look... Segment 1 Pays for the First Five Years Allocation: 28% of your initial retirement nest egg. Investment strategy: Invest Segment 1 assets initially in a type of guaranteed annuity that reaches maturity when you retire and typically pays higher rates than certificates of deposit (CDs). The best time to buy it is around five years prior to retirement. At the start of your retirement, this annuity can be exchanged for a five-year immediate-income annuity, which provides a monthly check for five years... or the proceeds can be invested in "laddered" CDs that mature over the first five years of retirement. If you buy an annuity, make sure it is from a company rated A or better by A.M. Best (www.AMBest.com). These guaranteed investments ensure that market fluctuations have no effect on the early years of your retirement. Investment goal: 2% annual return. Result: Over the five years in this segment, you can withdraw $490 a month for each $100,000 in your overall retirement porfolio. When to invest for Segments 2 through 6: You make these investments at the beginning of your retirement. Then when you enter each segment, you transition from the suggested strategy to a mix of ultrasafe investments, such as immediate-income annuities and/or laddered CDs. Segment 2 Pays for Years Six Through 10 Allocation: 26% of your initial retirement nest egg. Investment strategy: Invest this money either in a laddered portfolio of investment-grade bonds that mature in five years or less... in five-year CDs... or in a deferred fixed-annuity contract that will not provide income until you enter year six of your retirement. Investment goal: 4% annual return from the date that the income-for-life model is established until the dawn of Segment 2, five years into retirement. Result: You can withdraw $554 a month per $100,000 in your portfolio. Segment 3 Pays for Years 11 Through 15 Allocation: 20% of your initial retirement nest egg. Investment strategy: Invest 40% of these assets in a diversified portfolio of stocks and "alternative" asset classes through either low-expense index mutual funds or, preferably, exchange-traded funds (ETFs). Include funds that track US large-, mid- and small-cap stocks... foreign stocks... emerging markets... commodities... and real estate investment trusts (REITs). The same fund categories apply to Segments 4 though 6 but with a greater tilt toward small-cap value and emerging-market stocks. The remaining 60% of these assets should be invested (and reinvested upon maturity) in bonds maturing in five years or less, which also are the types of bonds to use for Segments 4 and 5. (There is not enough extra reward in long-term bonds to justify their risks.) A 50/50 stock/bond allocation is acceptable if you have a high risk tolerance and need to be aggressive to reach your desired retirement income. Investment goal: 6% annual return from the date that the model is established until the dawn of Segment 3, 10 years into retirement. Result: You can withdraw $627 a month per $100,000. Segment 4 Pays for Years 16 Through 20 Allocation: 13% of the nest egg. Investment strategy: Much like the Segment 3 strategy, but this time put 60% in stocks and 40% in bonds. Investment goal: 8% annual return. Result: You can withdraw $722 a month per $100,000. Segment 5 Pays for Years 21 Through 25 Allocation: 7% of the nest egg. Investment strategy: Similar to Segments 3 and 4, but 80% is invested in stocks and 20% in bonds. Investment goal: 10% annual return. Result: You can withdraw $824 a month per $100,000. Segment 6 Pays for Remaining Years Allocation: 6% of your initial retirement nest egg. This amount can be increased if allocating the prescribed amounts to Segments 1 and 2 would result in more income than required early in retirement. Investment strategy: At the start of retirement, invest Segment 6 assets entirely in the non-bond fund categories used for Segment 3. This money isn’t touched for at least 25 years, long enough that even the most volatile investment classes are not that risky. Investment goal: 12% annual return, not counting any money used to purchase longevity insurance, which typically provides guaranteed annual income starting at age 85. Result: If your Segment 6 investments earn a 12% annualized return, you should have just as much money in this segment after 25 years as you had in your entire retirement portfolio when your retirement began. Bottom Line/Personal interviewed Philip G. Lubinski, CFP, founder of First Financial Strategies, LLC, in Denver. About 25 years ago, he pioneered the income-for-life model, which has since become popular among financial planners, 3,000 of whom he has trained. www.PLubinski.RetirementTime.com Marge Couldn't Remember Her Phone Number... But Now Her Brain Is 20 Years Younger... "I used to have a great memory," Marge told Dr. Ray Sahelian. "All my life I've worked with numbers," this former bookkeeper explained... "But now I can't remember simple phone numbers... it's so frustrating!" She'd lose things right after she put them down -- it was demoralizing. She was only 71, but she felt like a useless antique. Other doctors might have shrugged and said, "Sorry Marge, you're getting old... " But Dr. Ray Sahelian reversed her frightening decline almost immediately. Soon Marge's memory picked up dramatically, and she was focused all day. Marge now says she hasn't thought so clearly in 20 years... Learn more... Skin Irritations From Toilet Seats Are Becoming More Common Bernard Cohen, MD Johns Hopkins Children's Center Skin irritations from toilet seats are becoming more common. Wooden toilet seats -- especially ones covered with varnishes and paints -- can cause skin irritations after repeated use. Residues of harsh chemicals used to clean toilet seats also may cause irritation. Most cases are easily treated with topical steroids. Untreated cases can lead to pain, spreading inflammation and itchy skin eruptions. Self-defense: Use paper toilet-seat covers in public restrooms... replace wooden toilet seats at home with plastic ones... avoid harsh cleaning products that contain irritants, such as phenol and formaldehyde. Bottom Line/Personal interviewed Bernard Cohen, MD, director, pediatric dermatology, Johns Hopkins Children’s Center, Baltimore, and leader of a study of five cases of toilet seat dermatitis, published in Pediatrics. The Great Cholesterol Hoax The #1 prescription drug in America is a cholesterol drug. It rakes in about $8 billion a year. And three of the top 15 drugs are in the same category. They’re called statin drugs, but some experts call them a hoax. Did you know that... Cholesterol-reducing statin drugs are just patented knockoffs of a simple food that Asians have eaten for centuries. You can buy it in pill form in any health food store -- yet drug companies charge $1,740 a year for it! And, for those who choose to stick with their statins, they’re all pretty much the same. If you must take a prescription statin, ask for the cheapest one. There’s no proof the statin that’s #1 is any better than the generics. Learn more... Important: Help your friends get much more out of life -- forward this E-letter to them. Better: Send it to many friends and your whole family. This is a free weekly e-mail service of BottomLineSecrets.com and Boardroom Inc. Boardroom Inc. 281 Tresser Boulevard Stamford, CT 06901-3229 ATTN: Web Team You received this e-mail because you have requested it. You are on the mailing list as healthwellness82@gmail.com. Or... a friend forwarded it to you. 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