Richard Blair Of Wealth Solutions Sheds Light On Life Insurance Types

Purchasing life insurance is often the first investment head of households make, but according to Richard Blair, Executive Director of Wealth Solutions, you many not select the right type. Of all the estate planning tools available, life insurance is the most flexible. Not only does it replace a financial loss resulting from death, but there are several advantages to buying a life insurance policy. “It can help with settlement purposes, and it can also be an opportunity to save for tax-deferred capital,” says Blair. Life insurance offers secure liquidity, and individuals can consider the key principal types.

1. Term Insurance. This insurance is temporary for a given period, such as 10, 15, or 30 years. You pay a fixed premium for its term, and if there’s no death during that period, you’ll get a renewal option. The premium typically rises, but term insurance requires the least amount of cash payments. It’s cheap insurance for a useful solution.

2. Whole Life Insurance. Generally, this insurance is divided into two parts: life risk protection and investment. The protection represents insurance to cover you in case of death. The investment represents your savings account in the policy, and creates a cash value. During the initial years after opening this type of policy, your premium goes toward fees, and over time the cash value increases, thus a larger share of the premium is added to the cash value.

3. Variable Universal Survivorship Life. This is a hybrid protection policy, packaged with stock investments that provide control and flexibility and tax advantages, and geared towards couples. The advantages include, insuring two lives, pays benefits upon second death, and builds cash value. It also offers flexible premium payments. Now, the market value will often fluctuate with market conditions.

How much life insurance and what kind of policy you purchase can be perplexing for most people, but it all comes down to your needs. The only realistic way to arrive at how much life insurance you’ll require is to assess that question in terms of what your dependents will require. The amount and kind of insurance you select should be sufficient to cover any deficiencies.

Providing Effective Financial Planning

Registered and certified financial planner, Richard Blair is the Executive Director of Wealth Solutions. For over 23 years, Blair has advised clients in designing the necessary documents to plan their future. Blair’ experience includes well thought out approaches to building a nest egg, while keeping tax benefits in mind. His philosophy stems from the basic tenets of proper asset allocation and diversification, and his diverse financial knowledge continues to be invaluable to his clients.

Learn more about Richard Blair

Venezuela Says Goodbye To Coca-Cola

As Venezuela continues to spiral downhill, yet another major company has been forced to stop production. Coca-Cola, an American owned company, has been forced to halt production of their popular soft drink in Venezuela for the foreseeable future due to a lack of raw materials. The company announced that sugar free drinks would be unaffected, but the traditional products would no longer be made in the country.

Just one month ago the company lost beer when Empresas Polar, Jose Gonzalez’ favorite beer, was forced to shut down due to an inability to import enough barley. The country is teetering on the edge of collapse as company’s fall, food shortages grow, and inflation is forecasted to surpass 700%.
Just last week in a report from Linked In, President Maduro imposed a 60-day state of emergency to allow extra military exercises as his opposition that would like to unseat him grew in numbers and held often violent protests in the street and looting of areas for food and supplies. The exercises included two days of military drills that included flybys by strike jets while the state TV aired footage of tanks and troops preforming maneuvers that can be viewed here. The drills have been titled “Independence 2016” and involve around 520,000 soldiers and have been rumored to be aimed at the US, the country President Maduro claims is responsible for their problems.

Avi Weisfogel Lends His Support To Operation Smile

Avi Weisfogel has started a GoFundMe campaign to benefit Operation Smile. Operation Smile,founded by Bill and Kathy Magee, started in 1982. The organization’s first reached out to help the children in the Philippines. From there, with a lot of hard work, the organization’s network now extends to over 80 nations. Operation Smile believes that all children should have access to safe surgery procedures no matter of location, income, nationality, or any other barriers that stand in their way. The organization works with doctors, hospitals, governments, and various others in order to see that children get the best care possible. Operation Smile also provides training to help professional stay up-to-date. Weisfogel, himself, believes that every child should be able to have access to the best medical care possible. It is because of his passion for creating amazing smiles, that he puts his support behind this organization. He believes that a beautiful smile makes a big difference in a child’s life. It is because of this passion, he started a GoFundMe campaign to support the efforts of this organization. Weisfogel is not a stranger to creating beautiful smiles. He is part of a dental practice in New Jersey and specializes in cosmetic dentistry. He is emphatic about staying on top of the latest technology and practices when it comes to his field. His passion leads to creating smiles and instilling confidence in people who otherwise did not have any before coming to see Dr Weisfogel.

How Many Other Options Does Dr. Walden Have Besides Surgery?

There are a lot of people who are afraid to go see a plastic surgeon because the do not want to go through surgery. They are scared of the prospects of being in surgery, and they are going to avoid it at all costs. There are other options that are not actually surgeries, but they are still going to help people look great. Dr. Jennifer Walden is a master of helping people look their best, and she has a lot of options in her office that are going to help people avoid surgeries.

The first thing that people are looking for is simple things like Botox, and Dr. Jennifer can help administer that when people come to the office. She knows that everyone has a different need, but she can talk someone through the process of getting the right dosage. She will help people understand what can be done to get their bodies into the right condition, and she can show people how it will work when she uses it in different areas.

The same thing is very true of other simple procedures because Dr. Jennifer know what the results are going to look like once she has complete her work. She wants to make sure that every person who comes to her can see what will happen when she does the work, and she wants to explain to her patients how it is going to work for them once they start a course of treatment. Some people are going to need just one appointment, but other people are going to need multiple appointments.

They can schedule their appointments when they come to see Dr. Jennifer, and it is important that everyone asks how long it will take to get their treatments done. People can work out their schedules to come to see Dr. Jennifer, and they will be able to change the way that they are going to look based on what she offers. Dr. Jennifer will tell people what can make them look the best, and then she can set up appointments for every patient to make a change.


Follow Dr. Jennifer Walden:

Twitter: @drjenwalden

Instagram: @drjenniferwalden

NutriMost Loss Results

It’s not every day that you see a doctor promoting a diet weight loss program. NYC Fat Loss reported on Dr. Rob Vasquez, a wellness enthusiast who is working towards making Alamo City a healthier community. But Dr. Vasquez wasn’t always healthy himself.
First, he had to manage his own medical issues that included allergies, asthma, and headaches. He did this through the discovery of programs that worked on improving his overall health.

Dr. Vasquez used NutriMost to shed 35 pounds within 40 days. He says, “The best part is that I lost over 60 pounds, and that was a year ago, and I’ve been able to keep it off.”
He continues with saying,”I struggled with my weight my entire adult life; I would try different diet programs: prepackaged meals, powders, shakes- you name it, I did it. And I would always get stuck.”
His frustration led him to seek ways to help others that were stuck in his similar, prior situation. His office in San Antonio offers NutriMost to everyone. NutriMost clients have experienced improvements in a variety of serious medical conditions, including Type 2 diabetes, chronic pain, high blood pressure, psoriasis and low energy. This is done through examining the body and analyzing an individual’s eating habits.

There are five approaches that NutriMost uses to get you healthy:

• Conduct a Body Composition Analysis of Your Weight, Body Mass Index, Fat Percentage, and Body Water Percentage
• Find Out What Foods Cause You to Lose Weight
• Educate You On Good Sugars and Bad Sugars
• Suggest You Eat More Vegetables
• Promote Organic Food Purchases
The above list outlines the process. For more details visit or call the Vasquez and his NutriMost San Antonio team at 844-505-THIN. Don’t wait, contact us to help you with a better you!
Also visit for the program success stories.



Losing Weight in a New Way

In a time where people are looking at new ways to lose weight and get into better shape on, there is always an option that you can try out. One of the ways to do so is called NutriMost. Although there is still not a lot of information about this weight loss system on, it is quickly gaining in popularity.

One of the main goals of NutriMost is to help people achieve a healthy life. They take a different approach to this than most weight loss companies. They want to understand what causes the health concerns for each individual. Understanding the body and why it works the way it does is a large part of gaining control back of your body and losing the weight on that is the goal of many Americans.

The effectiveness of the approach that NutriMost takes is clearly seen in the results of the many people who have included NutriMost in their journey to a healthier lifestyle. Taking the time to understand the reasons behind what is going on with your body can help you feel in control and like you actually have a choice about what happens to your body. The NutriMost system on nutrimostrecipes has plenty of advantages to offer everyone who has ever considered looking into a healthier lifestyle.

When Labor Costs Get Out Of Hand Brian Bonar ‘s Dalrada Financial Corporation Brings Them Back In Line

There are so many business issues that can impact the bottom-line profits of small and medium size companies. Brian Bonar, the San Diego entrepreneur, has spent 30 years developing an outsourcing program that can cut costs and increase profits. Bonar’s company, Dalrada Financial Corporation, is one of the best Professional Employment Organizations in the industry.

Small companies that can’t figure out why labor costs are out-of-control call Dalrada for help. At times, human resource and payroll issues extend beyond the scope of knowledge that small and medium size companies have. Dalrada helps those companies develop an effect time and resource management plan that brings costs down.

Brian Bonar has been in the financial industry for more than 30 years. He is a recipient of the Cambridge, Who’s Who® executive of the year award, and he is the Chairman of Allegiant Professional Business Services Inc. Modern Luxury believes that Brian Bonar is also a local San Diego entrepreneur that is in the process of developing an entertainment venue in the city. He owns the new French Bistro, Bellamy’s and he plans to open other restaurants in the area.

Brian Bonar knows that time can be a villain when it comes to managing IT issues. That’s what Dalrada has developed a strong IT department. Dalrada has an excellent program that troubleshoots Information technology challenges. The company takes a holistic approach when identifying labor cost issues, employee benefit packages, and payroll deficiencies.

Companies that have a few salaried employees don’t need Dalrada and the services the company offers, according to Bonar. But companies that offer more than one benefit plan and have rising internal labor costs need Dalrada’s services. When organizations start to grow and are unfamiliar with the regulations that change frequently, Dalrada services are important.

Bonar likes to tell clients to look at subscription costs or the maintenance costs that are bleeding the company of profits. Some companies have systems in place for time keeping and approval methods, but as companies grow that’s not enough ––inc./salary/470203#.Vye_cEURW4E.

Many of the current information technology programs lack important updates and without the updates companies can be penalized by government agencies. Bank deposits, mobile applications, and state-of-the-art payroll and benefit systems are part of the Dalrada small and medium size outsourcing package – Brian Bonar – Entrepreneurship is my Passion |

Most companies don’t know what they are missing until a Dalrada professional analyzes their business model. Many companies think they fly under the radar, and they neglect to follow filing dates and other deadlines.

The team at Dalrada handles all the issues that can destroy a small business. Bonar has been saving companies for years. Bonar named his company after the British “Stone of Destiny,” and he uses the qualities that are inherent in the stories about the stone to manage his businesses.


Trying Out Skout For The First Time Was Exciting

There was a very exciting article that came my way about a new social media platform called Skout. It is one of those applications that allows you to meet new people in your area, but this one provides a really special experience for users, and I heard that it is extremely easy to find real friends on their platform. People are flocking to this application in search of real relationships of all types: online friends, real life friends and even romantic relationships. It is incredible to imagine what types of new individuals that one can meet on their phone without leaving the home. The article was from Adweek. Let’s talk a little more about Skout’s platform and the types of things you can do on their network.

What Is Using Skout Like?

When I introduced the concept to my current real life friends, this is the first questions that they asked me. My friends, and myself as well, are from a generation that is older and not used to these types of applications on our phones helping us make a bigger circle of friends. However, I gave it a try, and I was quite pleased, so I decided to introduce it to my real life friends. I even decided to introduce one of my new friends from Skout into my circle of real life friends. The two groups got along really well, and we still get together for drinks or coffee every week.

Skout’s application is really fun, and it is quite easy to use as well. You can download it for free, and even though Skout uses a points system for in app purchases, the application is completely free to use. You do not need to buy points, but you will always have that option. The points are not necessary to search, message, view profiles or any of the necessary operations. However, using points will make the entire experience more engaging. You can gain more attention by using points on Skout. There are also free ways to earn extra points.

Sanjay Shah Offers Insight to New Entrepreneurs

Recently, Sanjay Shah granted an interview to Entrepreneurial Podcast Network’s Enterprise Radio. On the show hosted by Eric Dye, entrepreneurs gain business advice, motivation, information as well as inspiration from entrepreneurs all over the world. On the interview, the Autism Rocks and Solo Capital founder provided much insight on a range of topics as well as advice on how to become a successful business owner. He also spoke of the motivation behind Autism Rocks.

According to Sanjay, the most important thing that anyone thinking of starting a business should never underestimate is the amount of money one needs to start. He continues to advise aspiring business owners not to assume that they can do all the work themselves.

Since starting his work with Autism Rocks, Mr. Shah has combined his passion for music and his love for family with his entrepreneurial drive with a view of funding autism research and create awareness of the neurological disorder.

Sanjay Shah started his journey by studying medicine. He later realised that this was not what he desired and later became an accountant working for various investment banks that include Credit Suisse, Merrill Lynch and Morgan Stanley. He went on to form Solo Capital after being made redundant in the 2009 recession.

Shah founded Autism Rocks with the aim of developing awareness on autism and raising money to go toward research on the same. The organization achieves all this through concerts and partnerships with world-class recording artists. Shah’s youngest son, Nikhil, was diagnosed with autism at the age of 4. While having a cup of tea with Snoop Dogg, Shah developed the idea of raising money by staging various gigs. In 2014, the first Autism Rocks concert was held. Since then, the concerts have featured artists such as Lenny Kravitz, Snoop Dogg, Drake as well as well-known DJs.

Solo Capital Markets is a London based financial services firm founded by Sanjay Shah in 2011. The firm was in March 2015 reported to be worth £15.45 million, with assets totaling £67.45 million and a cash flow amounting to £30.26 million.


Healthy Food for Your Dog

We all want the best for those we love, including the four legged members of our families. New innovations in healthy food explains the surge in premium dog food sales. The $23.7 billion pet food industry now has foods specifically created for any dog.

With natural, organic and refrigerated foods available, it is a new eat like your owner strategy. Some of these gourmet dog foods look and smell almost as good as the food on our own dining room tables. Dog food companies are trying to come up with the latest innovation that dog owners just can not live without.
One traditional brand that is stepping up in the face of competition from gourmet dog food producers is Beneful. Beneful, from Purina, is a nutritious dog food for happy, healthy pets. PurinaStore meets or exceeds every FDA, USDA, and AAFCO requirement so you can be confident feeding your dog Beneful.
There is a Beneful product on Wal-Mart for every dog. They have eight choices of dry dog food, including Puppy, Healthy Weight, and two Incredibites varieties for small breeds. If you prefer to feed man’s (or woman’s) best friend a wet food, there is four choices in various flavors.
At a loss as to which food is right for your dog with all the brands, types and ingredients? It can be a bit overwhelming. Most pet food companies have easy to navigate websites to help. Check their Youtube Channel out (, do your research and know you are giving your dog exactly what he needs.