Keith Springer Facing Goliath A Closer Look

The book explained why we got into this mess in 2008. Everyone was frustrated. No one really understood it. Lehman crashed. Of course, there was far too much excess debt and leverage. But ultimately, with demographics, it was an aging population. We know that the population in America has been aging. We know that people spend the most when they're in their 30's and 40's. By the time they hit their 50's and later, they tend to save money for retirement. They're no longer in their peak spending mode. People spend the most money when they're approximately 48 years old and it's all driven by family. People tend to get married in their early 20's, have children in their late twenties, buy their first home late 20's, early 30's and, typically, by their early 40's, they're having their first and second child, need a bigger home. And, then, around 48, 49, the children leave the home and then go off to college. They leave the nest and you typically spend less when the children are gone because you're no longer driving around on two or three tanks a week, you know, taking junior to soccer practice, and football, and baseball practice, and ballet class. And you just tend to spend less and start saving for retirement.

So, we had an aging demographic, an aging population, not only in this country, but across the entire developed world. And so, if we know people spend the most in their 30's and 40's, we can identify why the 1990's and early 2000's were so good because the largest segment of the U.S. population in history was in their 30's and 40's in their peak spending. By around the middle of 2000, 2005 or so, people started getting older, spending less, and the entire economy slowed down because of that. So, it was a demographic slow down. And in 2007, 2008, after the market started to crash, the Federal Reserve did -- well, anything that they could. And they revved up the printing presses, cranked out trillions of dollars in debt in quantitative easing and stimulus with -- which essentially staved off another crash. But, the problem is they can't do this forever. You have to repay debt at some point. And, so, with the Fed tapering down their stimulus and we still have an aging demographic, can the country come back and still grow like it did? And, unfortunately, not until the next economic boom, not until the next Baby Boom generation, which is the Eco Boomers. Those are the children of the Baby Boomers. Those are the ones born form '82 to '94. They will push the next bull market. Unfortunately, they don't reach their peak spending until around 2020, '21, '22. So, for the next five, six years, it's going to be very difficult times. We're going to have deflationary environment. We're going to have higher unemployment than normal. The people with money most likely will continue to have money. But, unfortunately, the country as a whole is going to be growing much, much slower than normal, higher unemployment, and then, of course, we have all the entitlements from social security, Medicare, Medicaid, and such that the government has to deal with. $.65 cents of every dollar gets spent on that. Paying off debt is an additional. So, when you continue to pay off these types of debts, that's money that cannot go into more investment into the economy and to the country.

So, the book was designed to give the average investor a better understanding of what's going on in the economy, where we're headed, and what they can do about it. So, in the book, it talks about why we went through the crash and the crisis, what we're up against in the next four, five, six years, and how to position your portfolio to take advantage in order to get the best returns but with the least risk possible. That's the key. Invest for need, not for greed. If you don't, you know the risk. Don't take it. You're only going to hurt yourself. Prepare your portfolio so you can make money in any market, and so it doesn't hurt you, especially as you -- if you're retired. Or, if you're approaching that retirement red zone, you want to make sure that you don't have another five, six, seven years of breakeven or losing money, and losing sleep, and all that that goes along with it. We don't need that.

The book's available on Amazon. It's in the top 10% of all Kindle downloads. It has been since the day it came out. I'm very proud of that. I've made it very accessible, very inexpensive because I want everyone to read it. However, I always offer, if anybody would like to come in for a review, we offer a free review for investors. I'd be happy to give you a copy. It's that important that I think people need to read it, and get it out. I'm not looking for book sales. I'm looking for an educated population and clientele. The book should give you a good understanding of where we've been, where we're going, and what you need to do about it.

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Keith Springer Facing Goliath Promo


So, I wrote the book for the average investor. The best thing I did is I wrote it in plain English for everyone to understand. There's nothing worse than reading finance books in industry jargon that no one can get, bigger words than are necessary. It's designed for the average investor to know what is going on in the economy, what went on in the economy, why we are in this mess, why we had the crash, and specifically what you can do with your portfolio to get it designed to take advantage of what the economy and the markets have in store for us for the next number of years, and how to prepare your portfolio better, not only to protect yourself, but to make sure you make money in any market. Get the best returns, but with the least risk possible. That's the key. Invest for need, not for greed. If you don't need all the risk, don't take it. You're only going to hurt yourself.

The book's available on Amazon. It's in the top 10% of all Kindle downloads. It has been since the day it came out. I'm very proud of that. I made it very accessible, very inexpensive because I want everyone to read it. However, I always offer, if anybody would like to come in for a review, we offer a free review for investors. I'd be happy to give you a copy. It's that important that I think people need to read it and get it out. I'm not looking for book sales. I'm looking for an educated population and clientele. The book should give you a good understanding of where we've been, where we're going, and what you need to do about it.

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Keith Springer of Springer Financial Advisors


Male: Now, let's get to the U.S. markets. Joining us this morning, Keith Springer, President of Springer Financial Advisors.

Female: Let's ask Keith Springer of Springer Financial Advisors

Male: Financial Analyst, Keith Springer

Female: Keith Springer joining us once again to take a look at the markets.

Male: We have our smart money expert, Fox 40 Financial Analyst, Keith Springer.

Male: Keith Springer, it's good to see you. Thanks a lot.

Keith Springer:  One  of the biggest things that I see people do that they don't realize they're doing is delaying off and putting off inevitable decisions, retirement decisions, important financial decisions. A lot of it happens to be paralysis by analysis. We're just so overwhelmed by what's available out there. Or, they have friends telling them they should or shouldn't do something.

Ed Guanill: Time is the most precious commodity there is because you don't get any back. Every day that goes by is a day closer to retirement. Oftentimes, we find that people just wait too long to really start thinking about and planning for their retirement.

Keith Springer:    So, it's critical for people, as they approach that retirement red zone within a few years of retirement, to seek out that qualified retirement advisor. And it's a lot easier to plan before you lose it in the next market crash. Learn how to preserve it, making sure that you create the income stream that you need for the rest of your life from that money.

You want to figure out Social Security optimization. Our parents and our grandparents just flipped it on and took the income as they wanted to. But, I don't know if -- most people don't know, at 62, a 62-year-old couple, there are 1,379 different options to choose from. Elder care issues, 70% to 90% of a person's wealth gets destroyed in the last two to two and a half years -- and just really how to get the best returns on your portfolio, but with the least risk possible.

Matt Curtis: You don't want to meet with somebody for an hour or two hours, have them put you into something off the shelf. That's the philosophy that's here, is we take our time, we custom design things for our clients that put them in a better position so that they can have some comfort in their retirement.

Ed Guanill: When I think of retirement, I think of just being able to do all the things I like to do without the worry of money. And the only way you could do that is you have to have a plan. I always say that failing to plan is planning to fail. So, we can't encourage people enough to get started as soon and as early as possible because, oftentimes, if you wait too long, it's just going to be too late.

Keith Springer:  There's nothing better than having someone come up to you after long, hard working years, and investing their money properly, protecting them when the market goes down, and them looking at you and going, "Thank you. Because of you, I can retire. And I know my family is comfortable, and safe, and will be for the rest of my life and hopefully theirs."

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Six Tips for Creating an Effective Online Customer Survey

Six Tips for Creating an Effective Online Customer Survey

Six Tips for Creating an Effective Online Customer Survey

 

Surveys do not have to be cumbersome but it is not all fun either. Free online survey software are widely available and anyone who wants to can formulate his/her own survey on any subject. However, a customer survey has to be innovative and interesting to elicit good and responsible answers. A large number of survey takers lose interest soon and drift away. On the other hand, if you can kindle the interest, you can hope to gauge the customers’ opinion and interest in a new product or a product they are already using.

1. Preliminary Research

By using various survey software you can get free, you can compartmentalize your surveys according to your market research purposes. You need not confine yourself to one survey and stuff as much information as possible within one survey and make it confusing and unappealing. The two primary needs that should be fulfilled are:

  1. What is the information that you want to gain from the survey?
  2. What use do you want the information from survey to be put to?

2. Target for the Survey

You can chalk up an email list using many survey software. You should know who goes into that list from existing customers, sales leads and potential customers. Any language has its different usage for different situations and occasions. For example, you have to employ different tones and phrases for different groups like a student community or a group of home makers.

3. Simple Questions

Maybe you can rival Shakespeare in our writings but confine yourself to simplest of languages. People get tired of pomposities and scamper off, leaving you holding the bag. If someone finds that he has to read a question twice, he will more than likely abandon the survey. In multiple choice question patterns, no one should be in any doubt about two answers being similar. Make the answers distinct. Do not try to get answers to two different aspects in one question. Do not, for example, ask “Do cost and quality matter to you?”

4. Prioritize Questions

You can have the questions in different order for different people in a randomized question order. Or, you can have the same order of questions for all respondents which is called a static order. Have the most interesting questions as the first few and go on to other questions that are less interesting.

5. Formatting

When you want to utilize software with premium features which enable the user to customize the survey layout, see that questions are separated by ample space between them. An ideal way to keep the respondents in the loop is to have a progress bar that lets them know of their progress into the survey. Many email marketing outsourcing service will also be using such techniques.

6. Test Your Survey

Most people do not take kindly to typos and grammatical errors. Check thoroughly for these drawbacks and correct them. There should not be any room for confusion. Make doubly sure that there nothing at all that could be perceived as offensive by anybody.

Written By:

Jenny Corteza is an online marketer and digital media communication specialist. She also manager her client’s digital PR strategies and content syndication plans. She believes the best way to make a campaign work is to have it all strategized in advance.

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Try Mobile and Online Marketing To Promote Your Business

Do you want to promote your business but you are on a budget? Try mobile marketing and online marketing.

Edward Kundahl
www.SmartestPhoneApps.com and www.BusinessCreatorPlus.com

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