Underlying Aspects of Paying Off Mortgage Before Retirement Uncovered by Tompkins Financial Advisors

November 29, 2016

Should you own your home free and clear before you retire? At first glance, the answer would seem to be “absolutely, if at all possible.” Retiring with less debt … isn’t that a good thing? Why not make a few extra mortgage payments to get the job done? In reality, things are not so cut and dried. There is a fundamental opportunity cost to consider. If you decide to put more money toward your mortgage, what could that money potentially do for you if you were to direct it elsewhere? In a nutshell, the question is: should you pay down low-interest debt, or should you invest the money into a tax-advantaged account that could potentially bring you a strong return?  Relatively speaking, home loans are cheap debt. Compare the interest rate on your mortgage to the one on your credit card. Should you focus your attention on a debt with 6% interest or a debt with 15% interest? You...

REMOVED

November 29, 2016

J.G. Wentworth Company® (“J.G. Wentworth” or the “Company”) (OTCQX: JGWE) In line with its consistently devastating financial results over the past several quarters, the J.G. Wentworth-Peachtree Company recently took actions that further indicate the Company is struggling to pay down its debt and is quickly running out of cash and access to credit to complete structured settlement and annuity transactions. This and other aspects of the Company resulted in a significant downgrade of the company’s credit rating by influential agency Moody’s. In a press release dated June 3, 2016 Moody’s announced that the J.G. Wentworth-Peachtree Company had “elected to reduce total warehouse capacity for structured settlement and annuity payment purchasing…and terminated its warehouse credit agreement with Credit Suisse.” They did not indicate any clear resolution to this conundrum of running out of sources of cash. Other...

PRESIDENT TRUMP’S IMPACT REVEALED IN NEW MOVIE

November 29, 2016

Task Media Films is proud to announce the screening of “BILL 2/29”, an Indie Short Film screens at the Arclight Theater in Culver City, December 7th , 2016 at 5 PM. and the Laemmle Music Hall in Beverly Hills, December 10th, 2016 at      1 PM. The drama stars Stephen Paul-Astor, Maggie McCollester, Michel Euliss and directed by Maurice Simmons.  BILL 2/29 is the story of America after a new law is passed and signed by then President Trump mandating that Black and White people separate and move to different states. It comes after years of Stand Your Ground and Black Lives Matter. Black and White citizens had to face an ugly truth:  Integration failed in the United States of America.  BILL 2/29 follows the lives of two Austin neighbors, as they wrestle with the implications of total separation. Television actors, Stephen Paul-Astor and Maggie McCollester...

Top Maintenance Myths Revealed - Don’t Waste Your Money, See What Local Mechanics Say

December 01, 2016

Taking care of your car should be top of mind as winter rapidly approaches. The upcoming holiday season will have many vehicle owners stretching their budgets and needing to make tough decisions on what they can afford to have serviced and what must wait. Regular maintenance is always a wise idea, but there are a number of superfluous services that simply aren’t necessary. Fortunately, your Neighborhood Auto Repair Professionals (NARPRO) have recently revealed the top automotive maintenance myths and put together a handy list of services you should be wary of. Here’s a look at these often less-than-necessary repairs: 3,000-Mile Oil Change While it’s commonly thought that a vehicle’s oil must be changed every 3,000 miles, it’s better to follow the advice found in the owner’s manual. You'll likely find under normal driving conditions, your vehicle can go 7,500 miles or six months between oil changes, and a shorter interval for server climates such...

Mine Physical Gold in a Game

November 29, 2016

Skylark inc. will launch a Kickstarter to promote their upcoming game, Havilah, opening the door for millions of players to mine and redeem physical gold as well as build a real company with real profits on their smart phone. Skylark announced today that it is also developing an entire platform dedicated solely to facilitating games which allow players to earn and redeem real world assets. They have coined this new genre of gaming R.D.C (redeemable digital currency). Skylark has said that the in-game gold in it’s flagship game, Havilah, will be backed with physical gold. Players will then be able to redeem this gold directly to their door. “If gold is not a player’s desire, however” Stephen McCullah - CEO of Skylark says, “players will be able to redeem large numbers of other physical items via our retail partners. We want to give the player virtually unlimited ways to redeem their in-game resources”. Skylark is anticipating...

Qode Media announces “Google Partners Connect” event to showcase digital strategy partnership with Google.

November 29, 2016

Qode Media (“Qode”), a leading Toronto-based digital marketing agency, will be organizing “Google Partners Connect” on December 2nd, 2016 at 11:00AM in their head office at 4950 Yonge Street suite 2200. The event will include a presentation by Google and Qode Media about the various digital marketing strategies and tools that are a must for any advertiser nowadays. Complimentary coffee and snacks will be provided, and all individuals interested in using Google Adwords to ameliorate their business are welcome to join the conversation. Google Adwords go hand in hand with online marketing. Adwords allow businesses to reach their target audience at the right time through the optimal device, ensuring that businesses are seen by customers. Additionally, Adwords are measurable through analytics and metrics to gain an understanding of what increased or decreased the rankings of a site. Unlike traditional online marketing methods, Adwords allow business...

Africans Speak Out Against the Mass Circumcision Campaign

December 01, 2016

World AIDS Day - The Bill & Melinda Gates Foundation, World Health Organization, UNAIDS, USAID, PEPFAR, and numerous NGOs have circumcised 12 million Africans to slow the spread of HIV/AIDS. The world has not heard a word from them until now The VMMC Experience Project sent cameras into Uganda and Kenya to document the realities of the mass circumcision program. Local investigators conducted interviews with 90 affected men and women and found: 1. Africans are told circumcision conveys immunity from HIV. 2. Condom use is at an all-time low, and AIDS is on the rise. 3. The program is killing the very people it is supposed to help. 4. No follow-up post circumcision (cut-and-release approach). 5. Resentment and outrage among Africans. The "voluntary medical male circumcision" (VMMC) public health program is the first mass surgical campaign in human history. It targets Africans exclusively, leading some...

California Greenworks Partners with GoodWorld on #Givingtuesday for Annual Holiday Sustainable Living Fundraiser

November 29, 2016

California Greenworks will be kicking off it’s fundraising for #GivingTuesday and promote environmental awareness in Los Angeles, particularly making South LA greener and more sustainable. As the holiday season brings cash flowing to retail businesses, non-profits can get in on the action thanks to . Your support for California Greenworks will enable our efforts to increase more green space for Los Angeles urban communities and this year is even more special. Through they will provide matching donations dollar-for-dollar (up to $10) for all new GoodWorld users from #GivingTuesday on November 29 through December 31, 2016. So, join the team and help support a great a cause with a gift of $10 dollars or more. Just a quick and easy signup process by logging in with your Facebook or twitter account and you will get $10 cashback for donating. To donate please follow this link to join today: . is a 501 (c) (3) non-profit organization chartered to promote...

New Book - The Ultimate Guide To Champagne takes you to the heart of the Champagne Region

November 29, 2016

Liz Palmer’s first book takes wine lovers to the heart of Champagne with the launch of The Ultimate Guide To Champagne. One of North America’s leading experts on Champagne, Liz Palmer wrote The Ultimate Guide To Champagne with a strong personal passion for Champagne and the region. This ground-breaking book has received critical acclaim by the industry and promises to wow the reader. There is much more to champagne than the drink - Champagne is named after the region where it is grown, fermented and bottled.  This essential guide takes you to this region, explores its culture and honors its history. The Ultimate Guide To Champagne is highly recommended for everyone, from beginners to experts.  It’s a remarkable point of reference into which any wine lover or professional can dip in and browse. “The Champagne Bible for ALL wine lovers.” Unlike any other book about Champagne,...

Record Sales Have Lifetime Jewelry® Extending Their Cyber Monday Sale of 11mm Large Cuban Link Chain Bracelet

November 29, 2016

Lifetime Jewelry has announced that their popular 11mm large 24K Gold Cuban Link Chain for men is discounted as part of a Lifetime Jewelry’s extended Black Friday sale. This high-end, masculine bracelet is a popular choice among the Lifetime Jewelry range. Designed to complement their existing 11mm Cuban Link Necklace, these items are often purchased together as gifts for men. With the holiday season already in full swing, this sales event is expected to have online consumers reaching for more. “We are delighted to have this large available at such a low price in time for Christmas,” explains Alex King, spokesman for Lifetime Jewelry. “Like all our jewelry items, this bracelet is hand crafted in the United States by our dedicated team of jewelry professionals. It is guaranteed premium quality and promises to meet customer expectations. We only have a limited number of these gold bracelets in stock, so customers will...

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