Wishing You and Your Family a Blessed Thanksgiving

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Thanksgiving Day is one of those joyous events we celebrate with lots of love and gratitude.  Thanksgiving offers each of us the chance to count our many blessings — among them, the freedoms we enjoy, the time we spend with loved ones, the brave men and women whocloud of words related to celebration of Thanksgiving Day on a defend our nation, and life itself.  As a nation, we have come a long way since that first Thanksgiving 393 years ago, and as a company, The Barnowski Financial Group has enjoyed many blessings over the years with the support of our staff and our many loyal clients.  We truly have much to be grateful for this Thanksgiving.

Notable Thanksgiving factoids:

  • Thanksgiving Day is celebrated on the fourth Thursday in November in the United States.
  • The pilgrims arrived in North America in December 1620 after crossing the Atlantic ocean on a ship call the “Mayflower”
  • By the fall of 1621 only half of the pilgrims, who had sailed on the Mayflower survived.  The survivors, thankful to be alive, decided to give a thanksgiving feast.  The Plymouth Pilgrims were the first to celebrate the Thanksgiving in the fall of 1621.
  • The first Thanksgiving was celebrated Thanksgivingat Plymouth Massachusetts.
  • The drink that the Pilgrims brought with them on the Mayflower was beer.
  • The Wampanoag Indians were the people who taught the Pilgrims how to cultivateland.
  • The Pilgrim leader, Governor William Bradford, who organized the first Thanksgiving feast, invited the neighboring Wampanoag Indians of which about 90 attended including their chief Massasoit.
  • The first Thanksgiving celebration lasted 3 days.
  • President George Washington issued the first national Thanksgiving Day proclamation in the year 1789 and again in 1795.
  • The state of New York made Thanksgiving Day an annual custom in 1817

From all of us at The Barnowski Financial Group, we extend our gratitude for the privilege of working with you or simply being connected with you via our extensive digital network and wish you and your family a truly blessed Thanksgiving.

The Barnowski Financial Group is changing lives in Mexico

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Carl Barnowski founded the Barnowski Charitable Foundation. It was formed to impact the communities in which we have offices as well as other worthy causes worldwide. A percentage of revenue derived from our clients placing their trust in us will ultimately impact the community in which you live. Run by directors and advisors who supply their time and efforts for no pay ensures that all of the funds raised are directed to worthy causes nationwide and around the globe.

Carl Barnowski

A few weeks ago I had the privilege of traveling to Baja Mexico with my family and a team of 21 other people and spent 4 days building two homes for two families south of Tijuana Mexico this past weekend in conjunction with Homes for Hope.  One of the first things that jumped out at me when we arrived was how clean and happy the children were.  They always had a smile on their face, yet not a toy in site.  Although there was quite a language barrier, through the use of our translator, we were able to 2014-10-03 16.06.21 HDRcommunicate with these amazing people and truly feel their challenges and hardships.  I have never experienced up close and personal this level of poverty, yet these families, through their faith and cooperation with their community always find a way to provide.

Homes of Hope is a ministry of YWAM San Diego/Baja created to address the desperate need for shelter among the poor in Mexico.  To date, more than 2,000 homes have been built for destitute families in Tijuana, Ensenada, Guadalajara, Juarez, and Cancun, Mexico through Homes of Hope.

Barnowski Financial Group

Before

 

 

 

 

 

The ministry aims to build homes for those with the greatest need. There are three main criteria used in selecting the families who will receive a home:

  1. The have at least three children.
  2. Their family income is less than $100 per week.
  3. The family must have the rights to their land.
Barnowski Financial Group

After

What an incredible experience and honor to be a part of two families lives for a few days.  I have never witnessed such sincere gratitude and my wish is that everyone can experience the joy of changing someones life so dramatically. This is one of the families in their home, with their first refrigerator, bunk beds for the kids, a kitchen table and fully stocked with food. Just after blessing her home and I handed her the keys… this is what she had to say. Let’s do amazing things this week!

Social Security… What you don’t know can hurt you.

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Social Security Optimization… Getting it right is critical.

The BIG question facing baby boomers is… When should I apply for benefits?

One of the best tools for combating the twin retirement risks of inflation and outliving retirement savings may be the one that is most often taken for granted. Social Security is 603895inflation-adjusted and guaranteed for a lifetime. Unfortunately, most Americans are not using Social Security to its greatest potential. Eight out of 10 retirees start taking partial Social Security benefits before reaching full retirement age, currently age 66 for new retirees. Unfortunately, taking benefits early establishes a lower baseline for all payments going forward. That means even after cost-of-living adjustments, monthly payments will never be as high as they would be if a client had waited until age 66. What’s more, every year a client delays the start of benefits further increases the eventual monthly benefit until he or she reaches age 70.

Why do 7 out of 10 Americans file early?

Over the next 18 years, some 77 million baby boomers will turn age 62 at the rate of about 10,000 per day. With the percentage of Boomers who are without a qualified pension plan to supplement their retirement income, it’s even more critical for boomers to understand Senior Romancetheir best strategy for when and how to maximize their Social Security Benefit.  Better than 80% of the Boomer’s expect to get advice from their Social Security Administration representative when they go to file. Reality is, the Social Security Administration and its employees are not allowed to give you advice or even give you their opinion if they think you are filing incorrectly… and most advisors haven’t spent the time to fully understand this critical aspect of your retirement income. At any of the Barnowski Financial Group locations, our services begin by first providing expert complimentary Social Security Benefit Income Optimization advice. One of the most daunting topics retirees face today is solving the Social Security riddle. The bottom line is that Social Security is very complex and there are few, if any, rules of thumb that apply to everyone. We eliminate the potential for misunderstanding and prepare our client for their interaction with the Social Security Administration leaving them confident that they are timing their benefit perfectly to maximize their income.

Common Mistakes Boomers Make….

  1. Filing for Benefits Too Early: Although a person can begin receiving Social Security benefits at age 62, this is generally not a wise move, barring extreme financial or medical hardship. There is often a significant difference between early Social Security benefits and the amount you can receive at retirement age or beyond, as benefits that are cashed in early are only worth a fraction of what you 550813have earned. In addition, once you have applied for benefits, the rate becomes fixed and can only be increased by an estimated cost of living adjustment. Conversely, filing for Social Security after your full retirement age nets you an additional percentage for each year you wait, which provides a much more favorable return than most other investment strategies could.
  2. Following the Advice of Non-Experts: Well-meaning friends and family may try to convince you to pursue certain avenues for retirement, but you must remind yourself that it is easy to know what to do when someone else’s money is at stake. Your best course of action is to seek out a financial expert who specializes in Social Security planning with in-depth knowledge of benefits optimization. This will ensure that you can get the most out of your benefits, striking the ideal balance between the amount of money you receive and the amount of time you must wait for it.
  3. Employing an advisor who is not fluent in Social Security Optimization and retirement income planning.

Plan Smart… Retire Right… Sleep Well!

The Barnowski Financial Group is reversing course and showing our clients first how to solve the Social Security riddle for them. The most popular question… when to take it. Our retirement income specialists are trained to help you maximize your benefit resulting in you having to draw less from other sources and we do this at no cost to you.
Fill out the form below to schedule your complimentary Social Security Optimization consultation!

Shock someone today with a random act of kindness

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Carl A. Barnowski, Founder or the Barnowski Financial Group

Making someones day… Could make yours better as well!

Within the Annuity Safe Zone®, the Barnowski Financial Group promotes the four “Biggies” during retirement that we know make our aging retiree’s happy.  Our expertise is obviously falls into category 4, Sustainable Income for Life.  If you think about it though, they are all related from the standpoint that without one… you probably don’t have one are a few of the others.

1.  Good Health – Let’s face it… if you don’t have your health, you don’t have much.  Without Good Health, you probably don’t have mobility.

2.  Mobility – Mobility can mean the ability to drive, or just get out and take a walk.  Without Mobility, you more than likely lose your ability to Socialize.

3. Socialization – Socialization is important for our mental health, physical stimulation as well as keeping our brain active and engaged.

4. Sustainable Income for Life Knowing… not guessing that your money will last you your entire lifetime brings not only stress relief, but also allows you to afford the best healthcare available with keeps you healthy, which keeps you mobile and social.

Today’s tip on how to feel good goes beyond exercise, eating right and knowing you will never outlive your money.  I would encourage you TODAY to make someone’s day with a random act of kindness.  Not only does a single kind action brighten the day of the person who receives it, kindness benefits the giver as well.  Studies show that humans are naturally inclined to be generous and compassionate towards one another.

The life-changing benefits of altruism.

baby-boomer-retirement

Altruism may improve your mental and physical health, boost your self esteem, create meaning and purpose in your life and foster a connection to your community.

  • Doing good will make you feel good.  When you do something nice for someone else, your brain releases two powerful moon boosters: dopamine and endogenous opioids.  Experts call this “helpers high”, and it’s also found to reduce stress and lower anxiety and depression.
  • It’ll boost your health.  Helping someone face-to-face triggers your body to release oxytocin, a bonding hormone that’s also responsible for lowering blood pressure and protecting your cardiovascular system.  Kindness also activates the vagus nerve, which controls inflammation in the body.
  • You’ll live longer.  People who volunteer tend to live longer than those who don’t

10 free random acts of kindness

It only takes a second to be kind and courteous to someone.  Try one of these suggestions today!

  1. Hug your loved ones, and always take the opportunity to tell them you love them.
  2. Hold the door open for the person walking behind you.
  3. Offer your seat to someone on the bus or train.
  4. Write a note of praise to the manager of someone who has helped you (e.g. your waiter/waitress, a helpful flight attendant, the customer service representative who solved your problem, etc.)
  5. Write something funny, kind or inspiring on a sticky note, and leave it somewhere unexpected, such as the inside of a library book or on the mirror of a public restroom.
  6. Rake or mow your neighbors lawn.
  7. Clear the snow off the car next to yours in the parking lot.
  8. Visit the local senior center or nursing home.
  9. Pat the shoulder of someone who looks upset, and offer encouragement.
  10. Smile at strangers, and say “hello”

There are so many ways that you can get out there and make someone’s day and at the same time give yourself a boost to your health, welfare and emotional well being.  As we head into the holiday season, we at the Barnowski Financial Group will be sharing more ways to make this sometimes stressful part of the year more satisfying, enjoyable and fulfilling to you and your family and friends.

 

 

The History of Independence Day… Happy Birthday America

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Carl A. Barnowski, Founder of the Barnowski Financial Group

Variously known as the Fourth of July and Independence Day, July 4th has been a federal holiday in the United States since 1941, but the tradition of Independence Day celebrations goes back to the 18th century and the American Revolution (1775-83). In Vintage Fourth of July Independence Day USA StampJune 1776, representatives of the 13 colonies then fighting in the revolutionary struggle weighed a resolution that would declare their independence from Great Britain. On July 2nd, the Continental Congress voted in favor of independence, and two days later its delegates adopted the Declaration of Independence, a historic document drafted by Thomas Jefferson. From 1776 until the present day, July 4th has been celebrated as the birth of American independence, with typical festivities ranging from fireworks, parades and concerts to more casual family gatherings and barbecues.

EARLY FOURTH OF JULY CELEBRATIONS

In the pre-Revolutionary years, colonists had held annual celebrations of the king’s birthday, which traditionally included the ringing of bells, bonfires, processions and speechmaking. By contrast, during the summer of 1776 some colonists celebrated the birth of independence by holding mock funerals for King George III, as a way of symbolizing the end of the monarchy’s hold on America and the triumph of liberty. American DogFestivities including concerts, bonfires, parades and the firing of cannons and muskets usually accompanied the first public readings of the Declaration of Independence, beginning immediately after its adoption. Philadelphia held the first annual commemoration of independence on July 4, 1777, while Congress was still occupied with the ongoing war. George Washington issued double rations of rum to all his soldiers to mark the anniversary of independence in 1778, and in 1781, several months before the key American victory at Yorktown, Massachusetts became the first state to make July 4th an official state holiday.

After the Revolutionary War, Americans continued to commemorate Independence Day every year, in celebrations that allowed the new nation’s emerging political leaders to address citizens and create a feeling of unity. By the last decade of the 18th century, the two major political parties–Federalists and Democratic-Republicans–that had arisen began holding separate Independence Day celebrations in many large cities.

JULY 4TH BECOMES A NATIONAL HOLIDAY

The tradition of patriotic celebration became even more widespread after the War of 1812, in which the United States again faced Great Britain. In 1870, the U.S. Congress madeJuly 4th July 4th a federal holiday; in 1941, the provision was expanded to grant a paid holiday to all federal employees. Over the years, the political importance of the holiday would decline, but Independence Day remained an important national holiday and a symbol of patriotism.

Falling in mid-summer, the Fourth of July has since the late 19th century become a major focus of leisure activities and a common occasion for family get-togethers, often involving fireworks and outdoor barbecues. The most common symbol of the holiday is the American flag, and a common musical accompaniment is “The Star-Spangled Banner,” the national anthem of the United States.

Regardless of how you celebrate the birth of our nation, please do so remembering the sacrifice, history and significance behind this celebration.  Everyone on the Barnowski Financial Group team wishes you a safe and enjoyable Independence Day weekend.

Carl A. Barnowski

Live, Laugh and Learn with the Barnowski Financial Group

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Carl A. Barnowski Founder, Barnowski Financial Group

Today’s message has nothing to do with you personal finances or your health, but has everything to do about keeping you mentally stimulated and at the end of the day… just Three cheerful multiethnic female friends laughing on the beachmaking you laugh. One of the ways that I love to keep in touch with clients and media followers is by sending them weekly trivia. It really has been a big hit! As you know, within the Annuity Safe Zone®, the Barnowski Financial Group promotes the four “Biggies” during retirement that we know make our aging retiree’s happy. Our expertise is obviously falls into category 4, Sustainable Income for Life. If you think about it though, they are all related from the standpoint that without one… you probably don’t have one are a few of the others.

1. Good Health – Let’s face it… if you don’t have your health, you don’t have much. Without Good Health, you probably don’t have mobility.

2. Mobility – Mobility can mean the ability to drive, or just get out and take a walk. Without Mobility, you more than likely lose your ability to Socialize.

3. Socialization – Socialization is important for our mental health, physical stimulation as well as keeping our brain active and engaged.

4. Sustainable Income for Life – Knowing… not guessing that your money will last you your entire lifetime brings not only stress relief, but also allows you to afford the best healthcare available with keeps you healthy, which keeps you mobile and social.

This weeks useless trivia questions and fun facts!

  1. What animals fingerprints of are virtually indistinguishable from those of humans, so much so that they can be easily confused at a crime scene? Senior woman wearing big sunglasses doing funky action isolated
  2. What precious metal… if you put every ounce ever mind together in one mass would fit into an average sized living room?
  3. Does Antarctica have an area code?
  4. What were the first four countries to have television?
  5. What does the word TIPS stand for?

Watch the video above for the answers!

The Barnowski Financial Group is committed to impacting the industry as well as our national community of Baby Boomer retirees allowing them to sleep well at night knowing that without a doubt that they will not outlive their money. We are committed to allowing our customer the opportunity to plan smart, retire right and sleep well!

Thank you for visiting,

Carl A. Barnowski

Live, Laugh and Learn with the Barnowski Financial Group

Don't be shy... spread the word...Tweet about this on TwitterShare on FacebookShare on LinkedInShare on Google+Pin on PinterestEmail this to someone


Carl A. Barnowski Founder, Barnowski Financial Group

Today’s message has nothing to do with you personal finances or your health, but has everything to do about keeping you mentally stimulated and at the end of the day… just making you laugh. One of the ways that I love to keep in touch with clients and Senior Couple Walking In Parkmedia followers is by sending them weekly trivia. It really has been a big hit! As you know, within the Annuity Safe Zone®, the Barnowski Financial Group promotes the four “Biggies” during retirement that we know make our aging retiree’s happy. Our expertise is obviously falls into category 4, Sustainable Income for Life. If you think about it though, they are all related from the standpoint that without one… you probably don’t have one are a few of the others.

1. Good Health – Let’s face it… if you don’t have your health, you don’t have much. Without Good Health, you probably don’t have mobility.

2. Mobility – Mobility can mean the ability to drive, or just get out and take a walk. Without Mobility, you more than likely lose your ability to Socialize.

3. Socialization – Socialization is important for our mental health, physical stimulation as well as keeping our brain active and engaged.

4. Sustainable Income for Life – Knowing… not guessing that your money will last you your entire lifetime brings not only stress relief, but also allows you to afford the best healthcare available with keeps you healthy, which keeps you mobile and social.

This weeks useless trivia questions and fun facts!

  1. Who is “Cliff” behind the ever beloved Cliff Notes?
  2. Who was the inventor of the Pringles can?happy dog - basset hound with ears up
  3.  What is nearly the exact same length as your forearm as measured from the inside of the elbow to the wrist?
  4. What percentage of the people on the planet have never made or received a phone call?
  5. Betsy Ross, Jackie O, JFK, and Daniel Boone all have one thing in common?

Watch the video above for the answers!

The Barnowski Financial Group is committed to impacting the industry as well as our national community of Baby Boomer retirees allowing them to sleep well at night knowing that without a doubt that they will not outlive their money. We are committed to allowing our customer the opportunity to plan smart, retire right and sleep well!

Thank you for visiting,

Carl A. Barnowski

Boomers… Five questions you must ask your parents. Today!

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If you’re a retiree or someone planning on retirement, the questions and concerns that you have about personal finance this year will be many. Most will focus on issues of finances,

Portrait of senior couple laughing healthcare and health. For the family members of those retirees or soon to be retirees, their concerns will more than likely become your concerns as well.

Those in the sandwich generation are not only dealing with their own needs and the needs of their children, but the needs of their parents as well. Questions and concerns about end of life care, social security, medical decisions, wills, trusts, and estate planning are hitting many adult children sooner than they planned because they have to play a role with their own parents to address these questions.

If you’re in this situation, it’s important to begin “The Talk” about these matters with your retired or retiring parents as part of your own planning process .

Although the foundation of this talk will be around the financial matters, it should not be limited to these points only. In future articles I will cover a concept called “Real Life baby-boomer-retirementManagement” in which I discuss how and what to discuss around all aspects of the talk — financial, health, mental attitude and involvement.

A necessary beginning step of the talk is to work with your parents to gather all current financial information and identify all of the points of contact for their accounts such as any names of advisors, accountants, etc.  Any work already done regarding estate planning considerations such as trusts, wills, etc. should also be included.

Five Questions that you need answers to…572264

In order to ensure that you get off on the right foot with these discussions, here are some of the questions that you should be asking of your parents at this early stage of the talk:

  1. Do you have a will? If so, when was it last updated?
  2. Have you established a trust or done other more extensive financial planning?
  3. Do you have a current list of assets, passwords, and important documents and where they are held?
  4. Do you have a thorough financial plan in place outlining your financial needs, goals, and strategies throughout retirement? And, most importantly, when was the last time that your reviewed it?
  5. When is the last time you updated the beneficiaries on your retirement accounts, annuities, life insurance, etc?

If your parents have a trusted advisor that they work with, you may want to involve them in these discussions as well.  They can often be a vital intermediatory during these discussions or they can be a valuable resource after you’ve gone through this information with your parents.  If you’re an adult child of a retiring or retired parent, I hope that you’ll put the talk at the top of your “To-Do” list.  Better yet, just do it and get the ball rolling now. It’s not just for your benefit but for those you love as well.

As always, The Barnowski Financial Group is always here to help you… and your parents,

Plan Smart… Retire Right… Sleep well

 

C’mon, laugh a little with The Barnowski Financial Group

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Carl A. Barnowski, Founder of Barnowski Financial Group

Today’s message has nothing to do with you personal finances or your health, but has Three cheerful multiethnic female friends laughing on the beacheverything to do about keeping you mentally stimulated and at the end of the day… just making you laugh. One of the ways that I love to keep in touch with clients and socialSenior Couple Walking In Park media followers is by sending them weekly trivia. It really has been a big hit! As you know, within the Annuity Safe Zone®, the Barnowski Financial Group promotes the four “Biggies” during retirement that we know make our aging retiree’s happy. Our expertise is obviously falls into category 4, Sustainable Income for Life. If you think about it though, they are all related from the standpoint that without one… you probably don’t have one are a few of the others.

1. Good Health – Let’s face it… if you don’t have your health, you don’t have much. Without Good Health, you probably don’t have mobility.

2. Mobility – Mobility can mean the ability to drive, or just get out and take a walk. Without Mobility, you more than likely lose your ability to Socialize.

3. Socialization – Socialization is important for our mental health, physical stimulation as well as keeping our brain active and engaged.

4. Sustainable Income for Life – Knowing… not guessing that your money will last you your entire lifetime brings not only stress relief, but also allows you to afford the best healthcare available with keeps you healthy, which keeps you mobile and social.

This weeks useless trivia questions and fun facts!

  1. What was the first product developed by Motorola?dog sleeping upside down isolated on white background - english
  2. What is the significance of the red dot on the 7UP can?
  3. What is the only planet in the universe that rotates clockwise?
  4. What is the longest one-syllable word in the English language?
  5. Who were the characters Bert and Ernie on Sesame Street were named after?

There are so many ways that you can get out there and make someone’s day and at the same time give yourself a boost to your health, welfare and emotional well being. Making someone laugh is one of the ways I enjoy doing just that.

Thank you for visiting,

Carl A. Barnowski

To all those special men who call themselves Dad… Happy Fathers Day!

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A little Fathers Day History

It celebrates the contribution that fathers and father figures make for their children’s lives. The very fist Father’s Day was founded in Spokane, Washington at the YMCA in 1910 by Sonora Smart Dodd, who was born in Arkansas. Its first celebration was in the SpokaneFather Day YMCA on June 19, 1910. Her father, the Civil War veteran William Jackson Smart, was a single parent who raised his six children there.  After hearing a sermon about Jarvis Mother’s Day in 1909, she told her pastor that fathers should have a similar holiday honoring them.  Although she initially suggested June 5, her father’s birthday, the pastors did not have enough time to prepare their sermons, and the celebration was deferred to the third Sunday of June.  President Lyndon B. Johnson issued the first presidential proclamation honoring fathers, designating the third Sunday in June as Father’s Day.  Six years later, the day was made a permanent national holiday when President Richard Nixon signed it into law in 1972 Father’s Day in the United States is on the third Sunday of June.

 What do people do?

Many people send or give cards or gifts to their fathers. Common Father’s Day gifts include sports items or clothing, electronic gadgets, outdoor cooking supplies and tools for household maintenance.  Father’s Day is a relatively modern holiday so different families have a range of traditions. ThesHappy Fathers Day Graphice can range from a simple phone call or greetings card to large parties honoring all of the ‘father’ figures in a particular extended family. Father figures can include fathers, step-fathers, fathers-in-law, grandfathers and great-grandfathers and even other male relatives. Regardless of who that important father figure is and some of us have a few… make this day a special one and consider the time, effort, dedication, love and experiences that have shaped your life.  That’s at least worth a new tie isn’t it?  Make it a great day and stay well.

Carl A. Barnowski

 

 

 

 

 

Carl A. Barnowski Founder of the Barnowski Financial Group