Some Advantages of Corporate Motivational Seminars

Financial services provider Brad Liebe offers financial consulting and estate planning services through his company, KK and B Financial Services for Seniors. From 2013 to 2015, Brad Liebe has attended Rick Olson Seminars, where he spoke about goal-setting, simplifying life, restocking organization, and intentional growth in many motivational seminars.

Stress in the workplace is difficult to address. According to the World Health Organization, a healthy workplace provides employees with appropriate levels of pressure that allows them to exercise their abilities using available resources. One of the ways to stimulate employees to achieve organizational objectives is by allowing them to attend motivational workshops and seminars.

A motivational seminar can awaken the innate desire in people to affect transformation and change to make things better. It allows them to set aside their fears to experiment on new things. It can generate a higher commitment to goals and inspire responsibility to the team and the organization.

Specific methodologies used in a motivational seminar develop workers’ self-confidence. Under the oversight of an experienced motivational speaker, employees can participate in discussions and conversations where they are free to share even their disruptive experiences in the workplace. Tools that encourage reflecting, visualizing, and sharing alternative scenarios help participants gain the confidence that they can contribute towards the achievement of organizational goals. Some even have the chance to speak in front of the crowd.

Additionally, a motivational seminar provides an open space for errors. Mistakes are inevitable in every organization, and the motivational seminar teaches the participants to learn for mistakes.

How to Find a Senior Financial Advisor

Brad Liebe is a motivational speaker specializing in helping people set goals, simplify their lives, and establish intentional growth. In addition, Brad Liebe is the owner of KK&B Financial Services for Seniors. At KK&B, he advises and counsels seniors about fiscal responsibility and offers an array of products, including life insurance and Medicare supplemental insurance.

A financial advisor is a huge advantage for seniors, especially those who haven’t previously focused too much on their finances. To find the right one for you, start by checking industry databases such as the Financial Planning Association and the National Association of Personal Financial Advisors. These can be an important resource for learning about what criteria to look for in a financial advisor.

Also, make sure they specialize in working with seniors. Not every financial advisor has the skill set to cater to the aging population, and finding one with experience in the area is crucial.

Before you start searching, do some preliminary research on your own about what financial services and products you might need. Then find an advisor who is well-versed in products such as asset-based long-term care and services such as estate planning.

And, of course, you should always try to meet your financial advisor in person. When you’ve found a few potential advisors, set up an appointment with at least two to discuss your priorities and plans before deciding whom to work with.

Playing the Old Course at St. Andrews Links

Business professional Brad Liebe has a diverse range of professional interests, serving as a consultant and motivational speaker as well as owning KK and B Financial Services for Seniors in Fort Myers, Florida. In addition to his professional career, Brad Liebe is an avid golfer, with an interest in golfing Scotland’s Old Course.

If you have any interest in golf at all, you likely have heard of Scotland’s Old Course, located at the Links at St. Andrews. This the place where the game of golf was first played, nearly 600 years ago.

In spite of its history and importance to the game of golf, the Old Course is a public course that can be played by just about any golfer who wants to go. You will need a handicap in order to play the course (a maximum of 24 for men and 36 for women). Be sure to bring your handicap certificate with you, as you’ll need to present it to the starter on the day you plan to play.

All tee times at the St. Andrews Links come as part of a package or a golf tour that includes accommodations, transportation, and, of course, golf. Most golf tours are booked for a minimum of 4 nights. When your tee time is booked in advance, you receive a two-course package, which means you can also play another course at St. Andrews Links, either the Castle Course, Jubilee Course, New Course, or Eden Course. Though you don’t have to play this other course, it is included in the fee you pay. Tee times often book out in advance, so you will want to plan ahead for your golf vacation.

Management Practices that Boost Employee Performance

Business leader Brad Liebe is the owner of KK and B Financial Services for Seniors. A speaker and corporate consultant on strategic planning and management training, Brad Liebe works with company executives in various industries, helping them reach their full potential.

A company’s most important resource is its people. To achieve peak potential, it must optimize employee performance. Here are three management practices that do just that:

1. Support for employees’ growth. This can take various forms. For example, management can delegate important roles to employees helping them acquire additional skills, then once employees are done with the work, managers provide constructive feedback. Management can also extend leadership training beyond the executive-level to middle management and supervisors, ensuring those at the grassroots, who need the most training and development assistance, get it.

2. Open communication with employees. Open communication should be respectful and professional. When executives go out of their way to check on their employees, making sure they feel supported, employees are far less likely to burn out. This benefits the company in other ways. For example, executives who are more engaged with their employees can better address internal concerns and predict future turnover.

3. Effective reward mechanisms. This can take the form of monetary rewards tied to company-wide earnings targets or recognition in front of peers. Some studies have shown that recognition is a way more effective motivator than money.

Medigap and Florida Supplemental Insurance

Financial consultant Brad Liebe is the owner of KK and B Financial Services for Seniors in Fort Myers, Florida. In his role as a financial consultant, Brad Liebe assists his clients with choosing financial products that can help them prepare for retirement, one of which is supplemental insurance. Medigap, as it is more commonly called, is supplemental insurance purchased through private insurance companies.

Medigap is intended to fill gaps that are not paid through Medicare. In addition to extra costs for services and supplies, Medigap can pay for co-pays, co-insurance, and deductibles. Depending on the policy, some provide for coverage for things that Medicare does not cover, for example for medical care for when traveling outside the US.

For a person to participate in a Medigap plan, they must first have Part A and B of Medicare. Moreover, Medigap is not the same as Medicare Advantage, and it is not legal to sell a person a Medigap plan if they have a Medicare Advantage plan. The monthly premium is paid alongside the premium paid for Part B of Medicare, and the policy covers one person.

Other guidelines provide stipulations for covered expenses. For example, a person can renew their policy, even if they have health issues. Moreover, some plans cover prescription drugs, but many plans that were created after January 1, 2006, do not include this coverage. Instead, the person can join the Medicare Prescription Drug Plan D.

In Florida, the plans are similar to those of 47 other states in the country. Participants can enroll in plans with designated letters A, B, C, D, F, G, K, L, M, and N, and regardless of where they get their care in the state, the benefits are standard across the state. Open enrollment begins the day a person reaches 65 or older, and a person cannot be denied coverage for pre-existing conditions.

Municipal Bonds - A Tax-Free Stream of Income

Brad Liebe, the owner of KK and B Financial Services for Seniors, assists his clients with all matters related to wealth management. As a financial consultant, Brad Liebe also provides seminars on several topics, including creating tax-free income streams.

One tax-free income stream is the municipal bond. Municipal bonds are often called the triple-tax-free bond because they are exempt from federal, state, and city taxes. The state, county, or city issue these bonds, and the revenue is used to fund public goods or services (i.e. roads and schools).

Consumers benefit from utilizing municipal bonds in a few ways. The issuing tax authority backs the bonds in good faith and credit. The revenue generated from the bonds is not taxed, hence the label tax-free income. Moreover, while the yield of the bond is a little bit lower than other investment types, they are a relatively safe way to invest money in a diversified portfolio.

However, as with all investments, there are a few catches. For one, some bonds might not be exempt from some taxes. Then, there is the alternative minimum tax, a tax that prevents certain types of tax deductions and shelters. Those considering investing in municipal bonds should research the return amount and applicable taxes to determine if municipal bond investing is worthwhile.

Venison for Thanksgiving?

Deer
Image: pexels.com

A motivational speaker and owner of KK&B Financial Services for Seniors, Brad Liebe, has fond memories of Thanksgiving. However, Brad Liebe’s memories center on family, friends, and deer, not turkey. He was raised in Waupaca, Wisconsin, and a Thanksgiving Day tradition there is going deer hunting.

Deer hunting in Wisconsin is divided into separate seasons, for example, archery season, which occur at different times of the year. Hunting with a gun, or “gun deer season,” is usually allowed from mid-to-late November until early December. Of course, this is in line with Thanksgiving Day, so many people have grown up with the idea of hunting deer on Thanksgiving Day.

This is not to say that people are giving up the family ties and bonds of friendship that are always renewed and strengthened during Thanksgiving. During Wisconsin’s gun deer season, those bonds and ties are just in a different environment. Many people like to get together with family or friends and share a rooming cabin, eat a nice breakfast, pack a lunch, and go hunting. Some might just go out in the morning and try to get back in time for the afternoon feast. Those who stay in the cabins or just don’t make it back in time for the meal can usually find a local eatery that is serving Thanksgiving dinner and still get their fill of the holiday trimmings if they wish. However, for a lot of people across the upper-midwestern states, Thanksgiving isn’t the same without a good deer hunt.

Managing Public Speaking Anxiety

Brad Liebe, the owner of KK&B Financial Services, helps clients identify their financial goals and obtain various retirement products. He provides financial information through one-on-one consultations and group seminars. Skilled in public speaking, Brad Liebe presented motivational seminars with Rick Olson Seminars for several years.

Regardless of how skilled you are at public speaking, there will always be situations that make you feel nervous. Fortunately, this anxiety is manageable.

One way to manage public speaking anxiety is by being well-prepared for your speech. If you can, choose a topic that interests you, or present the topic in a way that excites you. By being enthusiastic, you’ll interest your audience in your speech.

Another way to manage anxiety is by changing the way you think about public speaking. Don’t expect perfection from yourself, and recognize that everyone makes mistakes. Focusing on mistakes magnifies your imperfections in your mind and makes you even more nervous about exposing them to an audience. 

In addition, you should not equate public speaking with your self-worth. Public speaking is only a small part of your life and has little or no impact on the way others see you in other aspects of your life.

Finally, prepare a dialogue instead of a monologue. Dialogues are better for speeches because they engage the audience and grant you opportunities for small breaks. These breaks can give you a chance to take a drink of water, take a deep breath, or get your anxiety under control before you continue.

The Difference between Immediate and Deferred Annuities

The owner of KK&B Financial Services for Seniors, Brad Liebe provides financial consulting and estate planning services to clients through seminars and private consultations. Licensed in California, Wisconsin, and Florida, Brad Liebe also offers various financial and retirement products to clients, including annuities.

An insurance product, an annuity is a contract between an individual and an insurance company. Two main types of annuities are available to choose from: immediate and deferred. Both types can provide a continuous stream of payments, and both allow for unlimited contributions. However, they function in distinct ways.

With an immediate annuity, individuals pay their insurance company a large amount of cash upfront. This lump sum is immediately converted to an income stream, and the individuals start receiving monthly payments in one to 12 months. These payments stop when the individual who set up the annuity dies.

Deferred annuities, on the other hand, can be set up with either a lump sum or in several payment plans. Unlike immediate annuities, deferred annuities do not begin paying out shortly after being set up. Individuals defer payout to a future date.

Deferred annuities are best for people who have maxed out their contributions to tax-advantaged accounts, such as a 401(k). Heirs may also benefit from a deferred annuity since the plans pay a death benefit of the amount remaining.

Estate Planning Then and Now

With close to a decade of experience in the field of financial services, seasoned businessman Brad Liebe established KK&B Financial Services for Seniors, where he also serves as president. In this capacity, Brad Liebe provides financial consulting and estate planning for seniors.

Twenty years ago, the individual federal estate tax exemption was at $600,000 and the estate tax rate was at 55 percent. Couples could opt to combine their trusts and, in turn, enjoy twice the federal estate tax exemption - that is, $1.2 million. By simply owning a home, some investments, and life insurance, one could accumulate an estate. Also, over the last two decades, passing assets to heirs did not require the intervention of the probate court, which happens when the deceased family member leaves a last will and testament. Instead, the revocable living trust has been preferred, a document referred to as a probate-avoidance tool.

Fast forward twenty years to the present time - the individual federal estate tax exemption is now $5.43 million. Couples can still choose to double the exemption for a total of $10.68 million. Plus, the estate tax rate dropped to 40 percent. Probate-avoidance tools such as payable-on-death bank accounts may also be established.

Because of these current trends, estate planners tend to focus on more relevant concerns. One is the increase in the income tax rate from 35 percent to 43.4 percent, which tends to negate the drop in the estate tax rate from 55 percent to 40 percent. Also, the long-term capital gains tax rate increased to 23.8 percent from 15 percent. Because of these changes, estate planners are looking for new ways to minimize income taxes as part of their estate planning strategies.

Navigating Immediate and Deferred Annuities

Brad Liebe is a Fort Myers, Florida-based financial executive who coordinates with retirees in providing health care and insurance solutions that enable them to achieve comfortable lifestyles. Among the coordinated products Brad Liebe offers are long-term care, Medicare supplemental insurance, and annuities.

Annuity products represent contractual arrangements through which insurers receive upfront premiums in exchange for future payments. This arrangement provides retirees with a source of guaranteed income that helps avoid the volatility of market swings.

There are many types of annuity products available, including immediate annuities, through which insurance companies begin providing payments immediately after receiving the lump sum principle. Interest rate sensitive, they provide significantly larger payments when the rates increase.

Deferred income annuities are similar, except that the payouts begin when a specified age is reached. They are commonly used as a way of minimizing longevity risk, as the supplemental income may kick in at age 80 or 85, when it's most needed. Because of the deferred nature of the product, with many holders not surviving to receive substantial payments, the payout is often much higher, although it is susceptible to interest rate fluctuations.

As mentioned, one downside is that such products are typically based on the lifespan of the beneficiary, which means that the annuity premium can be lost in cases of earlier than expected death. One way to avoid this is to set up a case-specific insurance rider for the contract, which can be provided for a premium.

About Medicare Supplement Insurance

As owner of KK and B Financial Services for Seniors, Brad Liebe and his team offer advice to retirees and pre-retirees in Florida, Wisconsin, and California. Brad Liebe draws on an in-depth knowledge of Medicare and Medicare Supplement Insurance.

Medicare Parts A and B cover a diverse set of medical costs including inpatient care, outpatient visits, and durable medical equipment. Both require an annual deductible, which the patient must pay out-of-pocket before Medicare pays. In addition, Medicare subscribers must pay a percentage of approved costs as coinsurance or copayments.

Medicare Supplement Insurance, also known as Medigap, can help with these costs. A Medicare supplement policy can cover coinsurance and hospital costs, which Medicare Part A charges for each day that a patient is admitted. Supplement policies also cover the required Part B coinsurance or copayment, usually 20 percent of covered care.

In addition to these basic benefits, all Medigap policies cover three pints of blood transfusions and coinsurance for hospice or respite care. Some policies include additional coverage, such as Part A and Part B deductible coverage, skilled nursing coinsurance or copayment, and emergency coverage for foreign travel. 

All policies are available through private insurers and do not cover prescription drugs. For drug coverage, a subscriber must sign up for Medicare Part D.

Three Holes of Note at Copper River Country Club

As the owner of KK&B Financial Services for Seniors in Fort Myers, Florida, Brad Liebe offers financial consulting and estate planning services to senior citizens. In his spare time, he enjoys playing golf and boasts a handicap around 20. To improve his golf game, Brad Liebe plays at Copper River Country Club, where he is a member.

Located in Fresno, Copper River has evolved to become one of California’s premier country clubs. With the Sierra Nevada Mountains as a backdrop, the clubhouse overlooks vineyards. Designed by David W. Pfaff, the 18-hole, par-72 golf course opened for play in the spring of 1995.

Although available only to members, the golf course features water on half of its 18 holes. Almost every hole remains separated from the others, thanks to foliage or houses. The back nine works its way through the area’s foothills. Aspects to consider on some of the course’s holes include the following:

- Hole 1. This par-4 hole starts your round with a straight drive in order to avoid three fairway bunkers. Golfers should avoid the front bunker near the green.

- Hole 9. The top handicap hole of the course, this hole is a long par 4 that features a large lake on the right side. Golfers should take note that the green is slightly elevated.

- Hole 18. A tough way to end the round, this par-4 hole has water on one side and rough-covered grounds on the other.

Signs That You Didn’t Set the Right Goals

The owner of KK&B Financial Services for Seniors, Brad Liebe offers life insurance, supplemental insurance, annuities, and many other products to seniors. In addition to his work as a financial services provider, Brad Liebe works as a motivational speaker for Rick Olson Seminars and talks about such topics as goal setting.

Below are several signs that the goals you’re working toward aren’t right:

They’re too easy
Goals that are too simple for you to complete will not keep you engaged for very long. The same is true of goals that are too difficult. Ideally, you want to set goals that require you to go slightly out of your comfort zone, while still being based on the skills, strengths, and resources that you already have.

They feel like a chore
Working toward a goal shouldn’t feel so unpleasant that it becomes a chore. Rather, good goals drive you to accomplish them. Sometimes goals feel unpleasant because you never really cared about them when you set them. Other times, goals become mundane after you’ve worked on them for a bit.

They’re not specific
Many people think their intentions are the same as their goals, but this isn’t the case. A goal is specific. It creates a measurable difference in your life and can help you hold yourself accountable if you don’t accomplish it. When a goal isn’t specific enough, you won’t know whether you’ve accomplished it or not.

How Traditional and Asset-Based LTC Plans Differ

The owner of KK&B Financial Services, Brad Liebe helps seniors reach their retirement goals using numerous financial services. Through his business, Brad Liebe offers such products as asset-based and traditional long-term care (LTC) insurance.

Traditional LTC policies are simpler than asset-based LTC policies. They work like regular car or homeowner insurance in that the premium disappears if you don’t need the insurance. These types of policies do not build any value that can be passed down to heirs unless policyholders set up a return of premium feature when creating the LTC policy. This feature provides heirs with some value if the policy is never used.

Also known as hybrid policies, an asset-based LTC policy combines long term care support with a death benefit for heirs. These types of policies are usually more expensive than traditional LTC policies and have an up-front fee of from $50,000 to $100,000 per person. In most cases, funds for an asset-based LTC plan are typically taken from an existing asset, so it’s recommended that people have a net-worth of at least $750,000 to ensure they have enough assets to cover the cost of the plan.

Once an asset-based LTC is set up, policyholders can enjoy premiums that never increase, along with a death benefit that is paid out to a beneficiary when the policyholder passes. They can also cancel their policy and get their premium returned to them.

A Brief Overview of Medicare Advantage Plans

A consultant, motivational speaker, and the owner of Florida-based KK&B Financial Services, Brad Liebe provides guidance on estate planning and other financial strategies. In addition, Brad Liebe helps clients understand their Medicare needs.

Medicare, designed for Americans aged 65 and older, provides health insurance subsidized by the federal government. The different elements of Medicare are divided into separate policies known as Part A and Part B. 

Medicare Part A covers hospital-related costs, while Part B covers preventive and outpatient costs. Many Medicare recipients deal only with these two parts. 

Another Medicare option, often known as Part C or Medicare Advantage, may be a suitable alternative for some Americans. Offered through private insurers, Medicare Advantage plans roll Parts A and B into one policy. 

Some insurers also include other benefits, such as dental coverage in Part C. Depending on the needs of the individual, Medicare Advantage plans can be simpler, cheaper, and more comprehensive than original Medicare plans. However, because Medicare Advantage plans are operated by private companies, networks of providers may be limited, and premium costs may be higher.

How Golf Scoring Works

Motivational speaker Brad Liebe conducts seminars on strategic planning, management training, banquet speaking, and fund raising. As owner of KK and B Financial Services for Seniors, he also offers consulting services. Outside of work, Brad Liebe loves playing golf.

Golf is not just about swinging and striking the ball, it also involves understanding how the scoring works. Having the lowest score equates to winning the game. This is called the stroke play scoring format. The goal is to propel the ball into the hole with the fewest possible number of swings. Every swing counts as a stroke. The number of strokes used dictates the player’s score for that hole, and the number is cumulative for the game, depending on the number of holes.

When playing golf against an opponent, two other scoring formats may be used - match play and Stableford. In match play scoring, the number of strokes for each hole is compared to the opponent’s result. The one with the least number of strokes is the winner for that hole. At the end of the game, the player with the most hole victories is declared the winner.

The Stableford system uses the par rating, which is the expected number of strokes a golfer needs for a specific hole or the entire game. Each hole on the golf course corresponds to a rating. With par as the basis, the score is converted into points. The winner is determined by counting the total points, instead of the number of strokes. For more strokes under par for a particular hole, the higher the point score, and the goal is to have the highest number, rather than the lowest, at the end of the game.

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.