Kimelton Kim

It is safe to say that this year was full of surprises. Some businesses thrived, while in other areas jobs were lost, companies were forced to go under, and we even lost loved ones along the way. Many businesses were affected by the pandemic in some way or another. https://www.westpacwealth.com/blog/what-have-we-learned

Some people have no disability income insurance, others have it through an employer, and still others aren’t even aware if they have coverage. For nearly everyone, though, a disability could mean a significant reduction in income, or no income at all. https://livingconfidently.com/protect-your-paycheck/

Rather than depending on a government program to protect their income in the event of a disability, many individuals prefer to protect themselves with personal disability insurance. https://www.westpacwealth.com//disability-and-your-finances

The Internal Revenue Service estimates that taxpayers and businesses spend 8.1 billion hours a year complying with tax-filing requirements. To put this into perspective, if all this work were done by a single company, it would need about four million full-time employees and be one of the largest industries in the U.S.1 https://www.westpacwealth.com/resou//how-income-taxes-work

The SMART goal system is a simple but effective guide for setting manageable goals that will yield your desired result, help you form new habits and keep you accountable along the way. https://www.kiplinger.com//secrets-to-setting-and-keeping-

The personal saving rate is the federal government’s estimate of what percent of their incomes U.S. households are saving. But market watchers and economists are mixed on what can be learned from swings in the saving rate. https://www.westpacwealth.com//m/u-s-personal-savings-rate

Physical fitness and financial fitness are inextricably linked, says financial advisor Pamela Gilmour. Ignore your health or your wealth, and it can catch up to you. https://livingconfidently.com//are-you-at-peak-financial-/

Term insurance is the simplest form of life insurance. It provides temporary life insurance protection on a limited budget. https://www.westpacwealth.com//is-term-life-insurance-for-

Do you love wine? Next question: Are you financially confident? This one is a little harder to answer, right? To be financially confident means that you feel good about your current financial situation and future outlook. If this sounds like you, you’re a confident planner. Research shows that 21 percent of Americans are Confident Planners when it comes to their financial lives.1 (The remaining 80 percent of Americans are stressed-out, largely due to financial worry.) https://livingconfidently.com//what-do-fine-wine-and-fina/

General Motors (GM) - Get Report said Thursday that it planned to be "carbon neutral" by 2040 and phase out gasoline and diesel cars by 2035, a move one analyst said was "a very bullish signal" to the electric-vehicle sector. https://www.thestreet.com//general-motors-climbs-on-plan-t

The CARES Act included several provisions to help individuals and businesses mitigate the financial impact of the COVID-19 pandemic. One provision for businesses was the PPP (Paycheck Protection Program) loan program. https://www.thestreet.com//ppp-forgiveness-what-business-o #BusinessOwner #Business #SmallBusiness #SanDiegoSmallBusiness #FILAMChamberofCommerce #FILAMBusinesses #Entreneurs #Entrepreneurship #Businesses #BusinessPlanning #Hustle #PPP #Covid #Coronavirus #SanDiego #California #OrangeCountyChamberofCommerce #OrangeCounty #ChamberofCommerce #SunriseExpressCargo

Amazon Founder Jeff Bezos to Step Down as CEO https://link.theepochtimes.com//amazon-founder-jeff-bezos-

The scientists concluded that regular exercise of adequate intensity could be an auxiliary tool in strengthening and preparing the immune system for COVID-19. https://www.theepochtimes.com/vigorous-exercise-brings-addi

"I divide the world up into two categories. I call them trophies and train wrecks. And in the trophy category, I think about industrial multifamily, we think about data centers and a little bit of self-storage, which has been pretty defensive. And so, I really don't see any discount on the trophies. I think prices are actually up probably 10% or so in those asset classes," said Fernando De Leon, Crexi’s first investor, Founder of Leon Capital during a free webinar presented b...y Crexi in partnership with TheStreet. "On the train wreck side, I think hospitality is top. You really have to predict where business travel is going to shake out over the next few years. And I think there's going to be a lot less people traveling for certain kinds of business meetings, and that'll happen through new technology," he continued. https://www.thestreet.com//covid-discount-and-its-impact-o

If a parent took out a loan for your education or helped you get a loan by co-signing there’s a way to return the favor: let them off the hook for it. https://www.thestreet.com//how-to-unburden-parents-student

Multifamily and industrial development are in high demand given the strong performance, and people are scrambling to find good development parcels. There's a dearth of great supply. And then on the tenant side, there's cheap debt financing and several good SBA programs," said Eli Randel, Chief Strategy Officer at Crexi in a free webinar with TheStreet. https://www.thestreet.com/video/land-property-values-outlook

You’re happy it’s there, because it’s easy. And it’s paid, and it shows up, and you never have to worry about it, https://www.thestreet.com//try-this-subscription-approach-

Most ETFs are passive investments that aim to match the performance of a certain index, less fees. Many mutual funds, on the other hand, are actively managed by fund managers who seek to outperform market indexes. However, some ETFs are actively managed, and some mutual funds are passively managed. Here are the differences between ETFs and mutual funds. #HourLife #PersonalFinance #Investing #Investment #SmartInvestor #Diversification #Money #StockMarket #HolisticPlanning #WealthManagement #Economy #ETF #MutualFund #LivingBalanceSheet #FinancialBalance #Goals #Retirement #FIREMovement #FinancialIndependence #Save #Savings #RateOfSavings

Walking and cycling gained a higher profile than ever in 2020 as a result of the pandemic. Governments around the world encouraged individuals to go on foot or take their bikes where possible instead of using crowded public transport and invest in widescale cycling infrastructure to help them do so. https://www.theepochtimes.com/how-covid-made-2020-the-year-

If the pandemic highlighted a hole in your coverage, you’ll likely need to address it regardless of how Covid-19 cases evolve. Learn how to determine whether you need life insurance, despite current events, and get the right coverage for you and your loved ones. https://www.thestreet.com//do-i-need-life-insurance-how-mu