Firm Male Organ Exhibition: Mastering the Self-Pleasuring Video

Firm Male Organ Exhibition: Mastering the Self-Pleasuring Video

As anyone who has spent even the least amount of time investigating sensual videos online knows, the world of self-pleasuring videos is huge. The number of firm male organ exhibitors out there is mind-boggling, but perhaps should not be surprising. Men tend to be enormously proud of their tumescent members – and why not? – and so enjoy the opportunity to share them with the willing and consenting viewers. Of course, any guy who is ready to post a video of his manhood in solo action needs to make sure he has been practicing adequate male organ care so that the results are flattering. But aside from maintaining male organ health, what else does a guy need to do to master the self-gratification video? Firm Male Organ Exhibition: Mastering the Self-Pleasuring Video
Answer the anonymity question

Probably the first thing a guy needs to do is identify if he wants to be identifiable from this video that he is about to send out to the world. This is a question about which a man should really think long and hard. Is he comfortable showing his face, not knowing exactly who is going to see this? What if the guy who runs the corner deli sees it? Will the self-stimulator feel embarrassed when he goes in for his morning coffee? Or will he feel proud and enjoy joking around about it? There is also a question about whether or not 10 years from now.

Deciding whether a solo-sensual artist – determines a great deal about how one makes the video.

Look at the equipment

Once the identity question is decided, the man needs to take a good, hard look at his manhood. What is going to make it come off for its best advantage onscreen? For example, does the owner think the wild, hairy bush he sports give him a sensual, masculine appearance? Or would he rather trim it so that it is neater? Or perhaps shave all the hair off the member and sack?

Are there things about the manhood that he wishes to emphasize – or obscure? Would he like to show off his organ head while detracting from the mole near the base of the shaft? Is the girth an asset he would like to focus on? Does he plan on spreading his legs, and if so, how does the area between his equipment and his rear look? Firm Male Organ Exhibition: Mastering the Self-Pleasuring Video

Decide on a persona

Many men make self-pleasuring videos simply to be themselves, which is great. Others feel more comfortable adopting a different persona. A shy, quiet man may become a rough, dirty-talking self-gratifier in the video, for example. Sometimes a man may need to make some videos, experimenting with different personalities, to find the one that he wants to share.

Think about the camera

Most guys make self-pleasuring videos on a solo basis – with no separate person manning the camera. It’s wise to take a little time and do some trial runs to master the camera beforehand. See what kind of lighting shows the members off to its best advantage. What angles are most flattering? (For those concerned about size, shooting from slightly below, so the camera is looking up at the manhood and is a bit closer to the organ, tends to make it look larger.)

Use a skin care product

Of course, vitally important is making sure the organ male is in good health for the self-pleasuring video. Regular use of a quality male organ health crème (health professionals recommend Man1 Man Oil) can make a big difference in how camera-ready the member is. When the camera is close up, defects in a high-end emollient (such as Shea butter) and a natural hydrator (such as vitamin E) is necessary to ensure a properly moisturized organs. In addition, a good crème should include a powerful antioxidant (such as alpha lipoic acid). By combatting harmful oxidative and aging processes in manhood cells, a potent antioxidant will help the organ avoid that unappealing “wrinkled” appearance, which the camera will only emphasize. Firm Male Organ Exhibition: Mastering the Self-Pleasuring Video

Top Deal Breakers Everyone Should Have Short Term Affairs

Top Deal Breakers Everyone Should Have Short Term Affairs

We all have a series of deal-breakers, and this may not be a bad thing. As a recent study has led to the vision that while we all have deal-breakers, the breaker of the agreement is not the same for all relationships, especially short-term relationships. Infidelity / short-term relationship especially concerning sex appeal. Also the study found that people with “Bigger Pair Significance” had more deal-breakers than those whose spouses did not score as high. In general, men and women tend to focus more on the negative nature of a potential partner than a positive one. A person can have 10 positive traits, but if you have 3-4 negative traits, people run to the door.
When the brain recognizes something that can hurt you, automatically signals a red flag to be removed. So it’s important to understand that the brain does not identify the possibility of goodness in the same way. If you keep focusing on what you do not want, you tend to attract it. Start focusing on what you want against what you do not want. Here are the top deal breakers for men and women: Top Deal Breakers Everyone Should Have Short Term Affairs

1. Bad Hygiene: Hygiene … works a lot when dating someone. If you kiss, then that is a negative point / deal-breaker for you. For example, if a person has lived their whole life hoping to brush his teeth, it may be difficult to correct the habit. As a result, it seems like short-term partners do not have time to compromise on that.

2. Odor: Usually a person can smell badly on one person. So if you feel bad every time you are in front of someone, then you might make trouble for you. Here, at this time, you need to use deodorant; It can help you feel yourself and let your partner feel refreshed. The use of this product is very meaningful, while dating. With a drunken personality, No Minute needs to explain how interesting your personality is. Overall, the foul odor is calculated between deal-breakers altogether.

3. Not Good in Beds: If you are looking for escorts in Manchester and want to make an intimate desire to be fulsome, then it is important for a companion to help you do so. If he fails, then no one can deliver the Lady to your choice. This is known as a point to calculate between deal-breakers. So being bad in bed can affect to attract a man’s attention to his partner.

4. Not Interesting: Sure! It makes trouble to make dating happier. If you are looking for Manchester companion, then you will pay attention to his physical beauty first. From the tip of the hair to the toe, he has the ability to keep looking at him. Either he’ll beautify himself by dressing or dressing, surely someone must have jaw dropped on him. In addition we will discuss about the companion, it is also important to be beautiful for ordinary girls who steal the heart of his girlfriend. So go every approach to look beautiful. If you are not interesting, then it will be a deal-breaker point.

5. Health Problems: Unfortunately, health problems can cause problems. Use the right guide so you do not fall into any illness. So if you are looking for a companion and want to have sex, then the use of Condoms is the best solution to give Kick on any STD. On a short-term relationship, it’s always best to come up with such a counter-active solution.

I like to write about companion niches / adults and have had almost 8 years experience because seo seaman company. If this article’s readers are looking for Manchester companions, you can contact Choice-escorts.com at the available links. Top Deal Breakers Everyone Should Have Short Term Affairs

Better Sensual Activity Through Playfulness

Better Sensual Activity Through Playfulness

Even couples who love lives are quite healthy may be interested in better sensual activity; long-term relationships often run the risk of settling into a comfortable groove that can then turn into a rut. One way for couples to keep things lively is to try letting their “inner child” out a little during their sensual activities. The better sensual activity that is going to help improve male organs health by keeping the organ active, it may improve the health of the relationship by enabling partners to learn more about each other.
What kind of inner child?

Getting in touch with the inner child can mean a lot of different things to different people. In the context of bringing the inner child into one’s sensual experience, it does not mean introducing that part of oneself that may be petulant or demanding or always wanting his own way. It refers instead to the sense of freedom and playfulness that comes naturally to children who tend to bottle up when they reach a certain age. Better Sensual Activity Through Playfulness

Bringing that playfulness into the bedroom can be liberating. It creates a new sense of excitement and adds a level of intimacy, even to relationships which are long-established.

Discussion or surprise?

Should a man spring his inner child on his partner? Or is this something that needs discussion? There is not a right or wrong answer to that question. As with so many things, it really depends upon the specific personalities involved. In some cases, a partner may see his intimacy and join him in the game. In other cases, it’s not going to work unless the partner is really prepared.

What activities should be involved?

Again, this depends on the people involved, but the general idea is to get involved in a sense of playfulness and free-spiritedness. In some cases, it may bring about a sense of faux-competitiveness. Better Sensual Activity Through Playfulness

For example, pillow fights are often an excellent way to get one’s sensual juices flowing. The individuals do not necessarily want to “win” the pillow fight so much as get the adrenaline pumping, have laughs and use the pillow fight as a way to “get going.” Laughter, growling, jumping, tickling and other reactions that grow out of the pillow fight help lead to a spirited bout of coupling.

Playing “strip” versions of games can also be fun. Strip poker is obvious, but there are other variations as well. For example, play a version of Twister in which the must-have of a different color is called. Play dice and have each individual pick a number. When that number is rolled, a piece of clothing comes off.

If privacy is not an issue, engage in unclothed versions of more physical games, such as tags, hide and seek or wrestling. Better sensual activity is just a quick hop, skip and jump away, as the physical activity helps release the chemicals that lead to energetic intimacy.

Naturally, utilizing the release of the inner child to achieve better sensual activity is in good working order. This is where using a first-class male organ health crème (health professionals recommend Man1 Man Oil) comes in handy. All that physical activity can help get the blood pumping, so it’s advisable to include in one’s regular routine a crème that contains the invaluable enzyme L-arginine. This ingredient plays a role in boosting nitric oxide production, which in turn helps with the all-important manhood blood flow. It also helps to make sure the crème includes neuroprotective acetyl L-carnitine. Why? Sometimes the handling of the members gets a bit too rough, which over time can lead to a loss of sensitivity in the organ. Acetyl L-carnitine helps avoid peripheral nerve damage, allowing the manhood to maintain appropriate sensation. All of which helps a man feel more playful and able to benefit from releasing his inner child.

Male Organ Enlargement Products – Are They Really Safe

Male Organ Enlargement Products – Are They Really Safe

The male organ enlargement industry has been feeding men’s unwarranted fears about manhood size for years. Some people have gotten rich off the promises they’ve made to anxious men – promises that likely fall flat. But in addition to concerns over effectiveness, should also pay attention to the fact that such products and techniques, no matter how natural, may pose risks to male organs health.
Jelqing

Jelqing is a manual technique that is meant to stretch the male organ. A man performs this move by forming a circle with his pointer finger and thumb around the base of the organ, then pulling upward with light pressure to just beneath the head, following the other motion with the other hand. This is repeated for up to half an hour, with each stroke lasting about 3 seconds.

Jelqing may appear to be similar to self-pleasuring, but it’s not the same. It’s hard to determine the “right” amount of pressure to apply. It’s also not safe to perform on a hard male organ, and the motion should not involve the head. Disregarding these safety notes, or performing the move with too much pressure or too intense a rhythm, could lead to pain, blood vessel damage and even scar tissue formation. Male Organ Enlargement Products – Are They Really Safe

Stretchers

Some men are so eager to size that they’re willing to stick their members into odd contraptions that stretch them out or to hang weights off them almost all day, every day. These devices are not well studied, so the extent of the associated risks is not known. It is possible that we can get risks, including: burst blood vessels, tissue death, nerve damage and torn tissues. Of particular interest to the gospel of the arduous use of stretching devices will likely come at the expense of girth. For many people, girth is an important component of sensual enjoyment.

Pumps

Male organ pumps are designed for guys with performance dysfunction; they force blood into the male organ, facilitating tumescence for people incapable of achieving that state on their own. This is an important medical device, then. But some guys use them recreationally, with the hopes that they will make their members bigger.

While a male organ pump may cause a temporary swell, it is not going to lead to a permanently larger member. Pumps can lead to some pretty unsavory consequences, however, including skin dots from bleeding under the skin and, with prolonged or frequent use, damage to the elastic tissues of the members that facilitate strong tumescence. Think about that: Is it a pipe dream worth damaging sensual capacity over?

Tablets

Many tablets are marketed to increase male organ size; as “natural” products, they may seem perfectly safe. And some of these tablets may even contain nutrients that support the organs of health in a number of ways, such as by benefitting the circulatory system. However, the supplement market is not regulated. It’s generally impossible to know for sure what exactly one is getting, since manufacturers may not report all ingredients, or may report some that are not actually in a product. (Not to mention, nutrients can not make the male organ bigger anyway!) Remember: Natural does not always mean safe.

Creams

Applying a cream to the male organ may seem like a good way to make it bigger – getting the good stuff directly on the member. As mentioned above, no nutrients are going to make the male organ bigger. Creams that tout enlargement capacities may contain ingredients that can irritate the delicate skin.

However, not all creams are made for the male organs for the spurious purpose of enlargement. Products actually worth investing in are those that support the health organ, and a moisturizing cream can be a great addition to a man’s care regimen. A male organs health crème (health professionals recommend Man1 Man Oil) with Shea butter and vitamin E will nourish and hydrate the skin, preventing dryness that often occurs from chafing. Keeping the skin supple and vibrant is important both for maintaining a beautiful manhood and for preserving sensitivity into the future. If a man wants to enhance his male organ, he ought to focus on its health and relax about its size. He can learn how to use what he’s got, and treat it right to keep it going strong in the long run. Male Organ Enlargement Products – Are They Really Safe

Is there a place in the health system

 

Is there a place in the health system for drone use? What may be the hum used for the health care system? Let’s see what is happening in the world of health and possibly with the help of unmanned aircraft.
Mayo Clinic is investigating possible use of drones in health care. The research team looked at the air delivery operations that exist in health care and concluded that blood transport would be ideal for unmanned aircraft. The Mayo Clinic air transport team provides 200 units of packaged red blood cells and 200 plasma units each year to other rural hospitals. Expensive blood and expiration, platelets and liquids disbursement only last five days and supplies are limited. Currently, these items are transported by ambulance and helicopter transport teams, which are very expensive compared to the cost of using unmanned aircraft.

Is there a place in the health system for drone use

The research team for Mayo Clinic also believes that unmanned aircraft would be invaluable for transporting emergency medicine in some cases, such as antivenin for the treatment of snakebite and defibrillator and webcam to the observer when a person has a heart attack. They believe it can save lives.

Matternet has used unmanned aircraft to deliver food and medicine to the affected areas in places like Haiti. Submission of drugs, supplies, vaccines, cellular technology, or portable shelters is quick to mention some medical supplies that can be quickly sent to places where natural disasters prevent normal air or ground transportation.

Drones can be used to deliver drugs to a patient’s bed from a pharmacy. Nurses who care for patients can work more efficiently because they do not have to collect items to take to patients, it can be delivered by unmanned aircraft. Drones can also send medicines and supplies to patients at home, allowing patients to receive help at home rather than having to be in hospital. Blood can be drawn by the medical person at home and sent directly to the laboratory for tests. Treatment can then be sent to patients at home through unmanned aerial. It will also allow patients to stay in their homes for longer periods of time before having to go to a nursing home. Drones can deliver food to people who are tied at home and keep an eye on someone with dementia. Drones are likely to perform many future tasks for health care now performed by humans, which will reduce costs and errors.

Unlimited physician using an unmanned aircraft in New Guinea to transport a fake TB test sample from a remote village to the town of Kerema. Drones are being tested in remote areas because there is a need there and because unmanned aircraft have not been allowed in the airspace of the United States. When the FAA starts allowing unmanned aircraft into U.S. airspace, unmanned use of drone aircraft for health care will take off soon. Health Use for Drones

The ability of unmanned aircraft to fly over rough and rough terrain and places where roads are rushed without risking humanitarian aid workers, may make the drones use the fastest for disaster relief. Offshore ships and crash scenes with critically injured people will be at the forefront of disaster relief. Other health-related jobs will soon come to the unmanned aircraft.

The more popular aircraft become, the more powerful usability we get by utilizing the drone capabilities. There are many things in the health care system that drones are used for and hopefully can help save lives. Be sure to visit us at www.RCDRonesPro.com if we can answer questions for you or if you want to buy a drone from a professional drone shop. I am glad to see what will happen next with the unmanned aircraft. Not?  Is there a place in the health system for drone use

How Could Your Home Benefit From A CCTV Installation

How Could Your Home Benefit From A CCTV Installation ?

How Could Your Home Benefit From A CCTV Installation ?

Once upon a time, Professional CCTV Installations were almost exclusively associated with ‘professional’ settings such as offices and factories. That’s not to suggest that they were necessarily completely irrelevant to the needs of home owners – simply that they were seen so too expensive or perhaps even excessive for domestic security requirements.

 

Times, however, have changed, and if you have long fancied having a home CCTV system installed – perhaps to help ward off prospective intruders in what may be a high-crime area, or simply to keep a close eye on your children or pets while you are away from home – there are many solutions from which you can now choose.

Make AAS Advanced Aerial Services Your Choice For Home CCTV

As the name of our company indicates, we chiefly specialise in TV aerials and satellite installations, which may lead you to wonder whether we are the right choice of company when you would like to have professional-standard CCTV fitted at your residential property.

However, it is important to appreciate that we are a highly trusted local business with more than 20 years’ experience. Furthermore, we have considerable expertise in professional CCTV installations and can advise you on the solution that will best suit your needs.

When you are looking to have a CCTV system installed, you will need to ask yourself not only the reason you are interested in a professional CCTV installation, but also what technology may suit those needs best.

You may opt for analogue technology, for example, on the basis that it is easy and cost-effective to run, although it may not give you the level of control that you desire. Such a limitation may lead you to consider an HD system capable of recording 1080p video, while such quality is also available in an IP system that offers a vast range of specification options, including fish eye or hemispheric camera options and a choice between a fixed lens or vari focal.

Call Us Now About Professional CCTV Installations How Could Your Home Benefit From A CCTV Installation

Don’t take any risks with your choice of company to undertake the installation of your CCTV system. Choose the company – AAS Advanced Aerial Services – that can give you the benefit of the latest cost-effective technologies and that can oversee the whole process in a manner that ensures you end up with the solution that perfectly suits your most pressing needs from CCTV.

We really do believe in carrying out truly professional CCTV installations in Bedford, Corby, Kettering, Northampton, Peterborough and Milton Keynes, and would be delighted to be able to provide you with a good-value and comprehensive quote.

Why Is Your Oral Health Important

Why Is Your Oral Health Important

Good oral health is important to maintain the longevity of your beautiful smile. If oral hygiene is not followed correctly, it can damage your smile and body. Your dental and gum health plays a key role in your body’s health. Whether the role is positive or negative all depends on several different factors. Factors That Cause Bad Oral Health While poor oral hygiene is a major cause of tooth decay, gum disease, and other oral health problems, this is not the only factor. Even individuals who diligently follow the most regular oral hygiene routine usually have poor oral health as a result of: • Malnutrition • Failure to visit the dentist every six months • Family history of oral health conditions • Certain medications • Systemic health problems Understanding the Mouth and Body Relations In recent years, studies have shown that there is a direct correlation between oral and body health. As plaque and bacteria form in your teeth, this puts you at risk for gum infections. When this happens, it sends a message to your immune system to start fighting the infection, causing the gums to become inflamed. If the infection is not treated immediately, the inflammation will continue to spread throughout your gums and ultimately result in gum disease. This chronic gum infection can damage the soft and hard tissues in your mouth and cause tooth loss and bone degeneration. As you progress, infection and swelling will seep into your bloodstream and put you at risk of developing high blood pressure, heart disease, diabetes, and other serious systemic disorders.
Because the mouth is considered a window to what’s going on inside the body, medical professionals have taken a more holistic approach to caring for patients, closer look at teeth, gums, medical history, and overall symptoms.

 

Oral Health and Respiratory Infections When bacteria in the mouth are constantly ingested or breathing into the lungs, it can cause throat and respiratory infections, such as pneumonia, COPD, and bronchitis. Oral Health and Autoimmune Disorders The relationship between autoimmune disorders and oral hygiene goes both ways. Patients diagnosed with diabetes are more susceptible to tooth decay and gum disease. In the same way, if gum disease is not resolved, as inflammation continues to rise and runs throughout the body, it puts you at risk for diabetes, rheumatoid arthritis, and Sjögren’s syndrome.

Oral Health and Cancer Oral cancer is always a concern if you have poor health, especially if you smoke or use tobacco products. However, other types, such as pancreatic cancer, kidney cancer, and blood cancer are also associated with gum disease. Oral Health and Heart Disease When bacteria penetrate the bloodstream, it can cause plaque to form inside the arteries and harden. This will eventually lead to blockage and poor blood flow in the heart, resulting in hypertension, high blood pressure, stroke, or heart attack. Heart disease can be a silent killer. Patients often do not realize they have it until a heart attack or stoke occurs. If you see inflamed gums and are currently experiencing headaches, blurred vision, shortness of breath, dizziness, or chest pain, it is very important that you visit your doctor immediately. Oral and Pregnancy Health Hormone fluctuations in women often occur during puberty, menstruation, and pregnancy. It is not uncommon for women to experience tooth sensitivity or gum softness every month or during pregnancy. However, when a woman is pregnant and suffers from oral health problems, it can make the mother and baby at high risk and even cause low birth weight or premature birth. Therefore, it is very important that good oral hygiene is followed and if you notice the type of sore mouth or swelling of the rubber that you visit the dentist for examination. Tips on Caring for Good Oral Hygiene The following tips can help keep your teeth healthy: • Brush your teeth at least twice a day with a soft toothbrush or toothbrush using the right technique. • Floss every day. • Rinse with approved antibacterial mouth rinse. • Talk to your dentist and doctor about the symptoms you are experiencing right now. • List all the medications you are taking with your dentist so that she can determine if any of them can harm you because of gum disease. • Visit the dentist every six months for routine cleaning and examination.

How To Save Your Car Insurance

How To Save Your Car Insurance

It has car accounts as the second largest household cost, according to the Bureau of Labor & Statistics. Although their efficiency is still a matter of debate, we all know as car owners that it’s better to be safe than sorry. In this article we will discuss various ways to save hundreds of dollars on your Car Insurance.
1. Look Around to find The best prices may vary depending on the company and its policies. With the latest statistics released by BankRate.com, 90% of drivers pay more than $ 368 for their car insurance. So really pay to look around and expand your options. One of the nuisance methods is to search online. Many of them offer discounts compared to normal Insurance. So always weight your choices and find the best.

How To Save Your Car Insurance

2. Secure your car and get discounts on bells and bullets Insurance related Insurance in U.S. car. get a lot of discount points from car insurance companies. Built-in anti-theft and passive restraints include a large discount air bag. Insurers also love cars kept in the garage overnight, because there is a higher theft risk by keeping your car on the road.

3. Cancel Closure If your car is 10 years old or the price is less than 10 times the premium, the cost of repairs can be more than a decent car. Chances are you’d better cancel your crash coverage and save up to 40% or as much as $ 440 per year by reducing coverage of property injury and damage.

4. Think Twice before Adding Your Teenagers to Your Policy According to a report issued by InsuranceQuotes.com, car insurance costs 79% more for couples after they add a teenage driver to their policy. Especially if the teenager happens to be a boy: car insurance costs 92% more for teenage males, but only 67% more for young women. This is because car accidents are the leading cause of death for U.S. teens, especially males aged 16 to 19, according to the Centers for Disease Control. How To Save Your Car Insurance

5. Bundle all your Insurance into one company Insuring your home and your car with one company can bring your interest rate down by 10% per year. A two-year national study by Consumer Reports found that bundling of home and car insurance will save customers an average of $ 97 per year.

6. Choose High Deductibles if you have the cash The higher your deductible, the lower your insurance premium. If you can afford a higher out-of-the-pocket cost if something happens to your car, choose a $ 1,000 deductible instead of $ 500 to save. How To Save Your Car Insurance

7. Mind Your Credit Score According to a study conducted by the Wallet hub, there is a 49% difference in the cost of auto insurance premiums for someone with excellent credit and someone who has no credit history. Another study by Consumer Reports says the average difference between the causes of the difference in credit score is $ 214. So whenever your score improves, ask your insurance company to get a discount or shop for other policies.

VALENTINE DAY 2018

VALENTINE DAY 2018

VALENTINE DAYS FOR THEM She deserves the best, and that’s why you’re here. Our collection of Valentine’s Day gifts for her has all her favorite of chocolate gourmet strawberries, up to the incredible fruit bouquets you can give directly to her office! What better way to show off and be a boyfriend (or husband) this year
MENS VALENTINES GIFTS Finding the perfect gift for your man or a perfect valentine day gift for your girlfriend can be a real problem. This year, why not go with something that both of you will enjoy and enjoy in a box of delicious chocolate strawberries us, or a very nice fruit basket, delivered to your home for a date night! LAST DAY MINUTE VALENTINE’S Last day and same day gift of valentine’s day? We have you (chocolate) covered! All our arrangements are made by hand and dipped into real chocolate just hours before shipping, making sure everything is fresh and delicious. Leave the rush cost to someone else – our shipping is exactly as advertised.

 

VALENTINES DAY DOG GIFTS Hairy friends also love our setting! Share the best deals in fresh fruit and gift baskets for Valentine’s day with your dog or cat. Even if your pet can not eat our chocolate strawberries, you can still … and they know it is an important thought! If you are looking for a tasty fresh fruit setting without chocolate (perfect for Pet lovers and those who can not eat chocolate) check out our fresh fruit bouquet collection!

A Time Line To Create Wealth

A Time Line To Create Wealth

PALOS VERDES, CA- Our investment philosophy is based on an individual’s chronological time line, which consists of three periods: (1) asset accumulation, (2) wealth building, and (3) asset conservation and how they are used to create wealth
The Playing Field is not level

 

The financial journey through life’s time line starts at different levels, depending on whether you were born with a plastic or a silver spoon in your mouth. As you travel through your time line, your in-vestment options change. Knowing where you are and what options are available will help you make the right choices.

A Winning Financial Plan up to Age 35 A Time Line To Create Wealth

The first chronological period of your life—mid-twenties to mid-thirties—should be devoted to accumulating assets and acquiring basic necessities. When you’re just starting out, your assets are usually limited and the major portion of your income goes for the basic needs—food, clothing, and shelter.

This is the time to save, save, save! Amass as many investment dollars as possible. Your approach to investing during this period should be through tax-deferred plans at work or Individual Retirement Accounts (IRAs). Your degree of risk should be moderate. Investments included in this category are high quality corporate bonds, blue chip stocks, and growth-oriented no-load mutual funds.

Every effort should be made to purchase a home now. The advantages, from tax savings and equity buildup, historically outweigh the short-term benefits of lower monthly rent payments.

Be careful when sheltering yourself and your family from liability. Only pay for protection when you’re purchasing life insurance. Purchase whole life insurance if it will yield a higher rate of return than other investments. After reading the chapter on asset protection, you might seriously consider reducing your liability coverage.

Remember, your main financial goal during this time is tax-deferred accumulation of capital. Don’t take risks with your investments. Save as much as you can so that when you enter the next phase of the time line you’ll be ready to move forward. A Time Line To Create Wealth

Investing between the Ages of 35 and 50

After earnings have increased, assets have been accumulated, and necessities are under control, it’s time to move on. Ready or not, you must face the challenges during this aggressive investment period of your life, when you are between your mid-thirties and early fifties.

The Best Financial Plan for You

Your best financial plan is to create the maximum wealth during this aggressive investment period of your life. Build financial security yourself. Don’t rely on others to do it for you. Many people who relied on major banks and insurance companies for financial security ended up short when these institutions failed. The social security system will not do much better.

You should be careful not to over diversify your assets or adopt a “hold-back” attitude. You must concentrate your assets into one or two aggressive investments rather than spreading them out. Diversification often leads to ineffectiveness.

What if you fail during this period? What is your down side? If you consider your ability to bounce back because of your age, the political influence of your generation, taxes, and inflation, the real risk is minimized. Make your aggressive investments now. As you get older, your ability to rebound declines. If you do not try at this stage in your in-vestment time line, you probably will never do it, and more importantly, you will never know whether you could have made it.

Control Risks A Time Line To Create Wealth

Becoming wealthy requires taking “controlled” risks. If anyone tells you that they became wealthy without taking any risks, they inherited wealth or they won the lottery. Years ago, I discovered that real estate was the best investment to control risk and to create wealth. The Real Estate Digest reports that seven out of ten millionaires made their money in real estate, and Forbes Magazine states that there is a three times greater chance of becoming wealthy through real estate than with any other type of investment.

Real estate allows you to control your risk because you can actively participate in the decision-making process. Passive investments such as stocks don’t give you this opportunity. Movements in real estate values are less erratic than in the stock market. Most people don’t understand the economic forces influencing the market. Since real estate is less volatile, it’s easier to control and to understand. Real estate is tangible. You can touch it, you’ve been exposed to it all your life, and you can identify with it. As a result of this familiarity, you are better able to understand it.