Selecting the Right Deer Rifle

Brad Liebe, the owner of KK and B Financial Services for Seniors in Fort Myers, Florida, is an avid hunter and enjoys opening the deer hunting season with his father and son every year. Deer hunters like Brad Liebe must carefully select the firearm they will use to hunt deer.

Different deer hunters have different needs, depending on the ways they hunt. Those who use a tree stand or blind to get a great vantage point on open spaces should consider a heavier weapon with a high-magnification scope and flat-shooting, long-distance cartridge. This enables the hunter to take down a deer from any distance. Those using stands or blinds to hunt in wooded or brush-covered areas should favor a light, easy-to-aim rifle.

Those who do not use stands should focus even more on lightness. A rifle used for still-hunting or spot-and-stalk hunting, when most shots come within 150 yards and the physical demands of the trek are often high, should weigh seven pounds or less. This is especially true in spot-and-stalk hunting, in which the hunter might need to hike, crawl, or run with the weapon to secure a takedown.

Avoiding High Healthcare Costs during Retirement

Motivational speaker Brad Liebe addresses groups at seminars and conventions on topics such as goal setting and organizational growth. Also a financial consultant, Brad Liebe is the owner of KK&B Financial Services for Seniors, where he helps seniors devise financial plans for retirement

Healthcare will be a significant cost outlay in your retirement years. According to HealthView Services, today, a 65-year-old male retiree can expect to spend $189,687 on healthcare, while a woman will spend $214,565. While all adults are eligible for Medicare once they turn 65, Medicare does not cover all medical expenses. In fact, it only covers about 51 percent of them. Seniors still have to pay premiums, deductibles, co-pays, and out-of-pocket costs for prescription drugs as well as dental and vision care. 

If you want to be able to cover your healthcare costs during retirement, you should start planning early. Talk with your financial planner about the various ways you can avoid high healthcare costs during retirement. One option is to open a healthcare investment account separate from your retirement account or, if you have a high deductible on your health plan, open a tax-advantaged health savings account. If you are already retired, you can opt for long term care insurance to pay for assisted living and home care costs. This type of policy is costly, but there are less expensive short term care alternatives.

A Look at Some Deep Sea Fishing Techniques

Brad Liebe draws on years of financial consulting and estate planning experience in his work as a licensed financial advisor and motivational speaker. Outside of his professional responsibilities, Brad Liebe enjoys deep-sea fishing, which occurs far from land in waters that are at least 30 meters deep. 

Anglers who go off-shore fishing, also called sport or big-game fishing, employ a range of tools to increase the odds of a catch. For example, spreader bars and teasers attract fish by allowing multiple pieces of bait to be hooked to imitate the appearance of a small school of fish and lure hungry game fish. 

Other tools include downriggers, which allow anglers to set the depth of their bait, and kites, which fly in the air and keep bait at the surface. Outriggers allow multiple lines to be cast without becoming tangled. 

In addition to these tools, anglers also engage in chunking. Although similar to chumming, chunking involves throwing pieces of bait overboard and placing a line with a hook in the middle of the bait. 

Moreover, either trolling or drifting can be used. Trolling happens when a fishing boat motors through the water and drags bait behind the boat, while drifting involves letting the current control the boat.