The Neyland Report
Earning - Thriving - Giving Back

Weekly Focus

BABY BOOMERS: THIS IS NOT YOUR FATHER’S RETIREMENT

If you were born between the years 1946 and 1964, as many in our JCN community were, you have been dubbed the Baby Boomer generation. Now many of us are either retired or looking forward to retirement, but what does retirement in America mean in the 21st century? It certainly does not look much like the retirement years of our elders. It looks better.

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CONQUER YOUR FEAR OF TECHNOLOGY

    CONQUER YOUR FEAR OF TECHNOLOGY

It has almost become cliché to assume that older Americans have a love/hate relationship with technology– leaning more toward hate. As it turns out, that is a broad generalization that

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BEWARE OF IRS TAX SCAMS

    BEWARE OF IRS TAX SCAMS

Today most of us are aware that scam artists are plentiful and clever. However, when the IRS issues a warning about a particular scam, it is well worth our attention.

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LONG TERM CARE INSURANCE: YES OR NO?

    LONG TERM CARE INSURANCE: YES OR NO?

The good news is that we are living longer. The worrisome news is that we are going to have to stretch our finances for more years than we may have expected. Enter long-term care insurance, “designed to cover long-term services and supports, including personal and custodial care in a variety of settings such as your home, a community organization, or other facility,” according to the U.S. Department of Health and Human Services.
Is long-term care insurance appropriate for you? That is a decision each person must make, but chances are you will incur some unexpected expenses associated with aging. A number of factors should be considered, including whether you have a chronic illness, how your family history may predict your need for long-term care, and how your lifestyle (diet, exercise, etc.) may affect your future health and wellness.

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IS CASH ABOUT TO DISAPPEAR?

  IS CASH ABOUT TO DISAPPEAR?

Is cash about to go the way of VCRs, pay phones and black and white televisions? Society is changing rapidly,

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Welcome to the Neyland Report

  Welcome to the Neyland Report

If the name John Neyland is familiar to you, that is because you are probably already a member of our community. Our community includes JCN Financial and Tax Advisory Group, Strength Science Studios and John’s Dream.
Our three enterprises may seem quite different from one another, but we see them as all part of our one goal – to help people have their best lives. JCN Financial aims to help you establish financial security and peace of mind for your future. Strength Science Studios offers a scientifically-proven exercise program, primarily for mature adults (although everyone is welcome). John’s Dream is John Neyland’s charitable foundation. Neyland has been mentoring troubled or disadvantaged young people for 25 years, one deserving person after another. Today, many of those people are productive, contributing adults.

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OVERCOMING AGEISM IN THE WORKPLACE

  OVERCOMING AGEISM IN THE WORKPLACE

There is good news and bad news about the American job market. The good news? We are experiencing the lowest unemployment rates in a long time. The bad news: Older workers are still being discriminated about in hiring, inclusiveness and promotions. Ageism is alive and well in the workplace.

A recent survey of 1,265 baby boomer (people born between 1946 and 1964) job seekers, 52.5% of respondents said they have experienced age discrimination by an employer or potential employer. Similarly, 44.5% of baby boomers surveyed believe their generation is unfairly stereotyped by employers. If this sounds familiar to you, keep in mind it has little or nothing to do with your skills or experience. It has everything to do with a youth culture that permeates the American workplace.

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LIFELONG LEARNING: WEBINARS

  LIFELONG LEARNING: WEBINARS

One of the best ways to live a full life – at any stage of life – is to keep learning. That does not necessarily mean you have to go back to school or commit to a long-term endeavor. Consider Webinars. Webinars, for the uninitiated, are seminars in which you can participate online. There is an endless variety of topics and subject areas, and those interested can participate from the comfort of their own homes, or anywhere there is online access.

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4 WALLET-FRIENDLY LOUISIANA GETAWAYS

  4 WALLET-FRIENDLY LOUISIANA GETAWAYS

Even if you already took your summer vacation, maybe you deserve one last blast before summer has passed. Here in Louisiana, you do not have to go far to have a great weekend getaway. Everything from moderately-priced camping experiences to luxury accommodations will be poised to welcome early Fall visitors. There are dozens of options, but we have selected five of our favorites. Don’t just take our word for it – get packing and let’s go!

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Financial News
    WARREN BUFFET: IN HIS OWN WORDS

WARREN BUFFET: IN HIS OWN WORDS

Warren Buffett, 89, is worth $89 billion (as of July 2019). Along with a number of other billionaire’s he has pledged to give away the bulk of his estate to charitable causes. According to published reports, Buffett intends to give away 99 percent of his fortune. Having lived as long as he has and created one of the most successful companies in America, Berkshire Hathaway, Buffett has great wisdom to share. Here is what Buffett has said about a number of issues of the day:

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Fitness News
    TAI CHI FOR FITNESS

TAI CHI FOR FITNESS

Chances are you have heard of Tai Chi, and you may have even seen groups of people making the slow-motion dance-like movements. But many people do not know exactly what Tai Chi is.

Tai Chi, often referred to as “meditation in motion” is an ancient Chinese practice that combines movement, controlled breathing and mind control. Practiced as a graceful form of exercise, it involves a series of movements performed in a slow, focused manner and accompanied by deep breathing. Tai Chi requires time and dedication to learn, but once learned, it can be highly beneficial to both mind and body.

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Giving Back
    A DIFFERENT KIND OF HOLIDAY GIVING

A DIFFERENT KIND OF HOLIDAY GIVING

Here is a novel idea: This holiday season, instead of spending tons of money on gifts, a growing number of celebrants are using some of their gift money to support Louisiana charities. You may be surprised at how many non-profits and charitable organizations exist in our state. Just in case this sounds like an interesting idea to you, here are just a few of the worthy groups that need our help:

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    LEISURE TIME: GYM OR COMPUTER?

LEISURE TIME: GYM OR COMPUTER?

How wisely are you using your free time? Your doctor would probably advise you to use some of that time each day for physical activity. The not so surprising news is that a majority of Americans would prefer to stay still and look at some type of screen during their off hours. And by now, we all know that a sedentary lifestyle often leads to compromised health.

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John’s Corner

JCN FINANCIAL NAMED TO TOP ADVISERS LIST

JCN Financial and Tax Advisory Group has been named one of the Best Financial Advisers in Baton Rouge for 2019. This honor is bestowed upon us by Expertise, the organization that uses proprietary research to find the best service providers across the country. We thank Expertise for this honor. If you are a current client of JCN, or a potential client, we encourage you to meet with one of our advisers whenever you are ready to discuss your finances. Let us offer you our expertise. Call  877-755-0488 for an appointment.

Live the Life You’ve Yet to Dream

Every person’s life story is unique, but some are more dramatic than others. John Neyland’s story is one of challenges and obstacles that began when he was a small child. Neyland’s childhood was fraught with violence, routinely perpetrated by his rageful father.

There were repeated instances of attacks on Neyland and his siblings, with some of the most extreme acts committed against his mother. Neyland’s mother turned to alcohol and suicide attempts to cope with her husband’s behavior, and her fear and frustration about the family’s finances.

If that were not enough to complicate his life, while he was in his teens, Neyland developed one of the worst cases of Obsessive-Compulsive Disorder his doctors had ever seen. Despite the circumstances that would stunt another person’s emotional and psychological growth, Neyland rose above all of it to create successful businesses, a strong, loving family and an ongoing determination to help as many people as possible along his path.

All of this is well-documented in Neyland’s memoir, “Live the Life You’ve Yet to Dream.” If you want to know what a real page-turner really feels like, click the link above to purchase one of the most inspiring books you may ever read.

Other Voices

BLACK FRIDAY Is More than One Day


This year, the previously post-Turkey-Day event kicks off during the first week of November with deals continuing to roll out through the month’s end (and some sales even stretching into December territory).
Black Friday lasts all month

HOW STOCKS PERFORM IN ELECTION YEARS


Election Day is a year away, and stocks are poised to keep rising over the next 12 months with an incumbent in office – that is, if history is any indication. Since 1952, the Dow Jones Industrial Average has climbed 10.1% on average during election years when a sitting president has run for reelection, according to the Stock Trader’s Almanac.
Bull market continues

HIGHER 2020 401K CONTRIBUTION LIMITS


How much can you save for retirement in 2020? The Treasury Department has announced inflation-adjusted figures for retirement account savings for 2020: 401(k) contribution limits are up; traditional IRA contribution limits stay the same; almost all the other numbers are up.
Save more – earn more

Retiring Abroad

More Americans than ever are choosing to retire out of the U.S. The number of retirees who draw Social Security outside the U.S. jumped 40%, to more than 413,000, between 2007 to 2017, according to the Social Security Administration.
Why are retirees fleeing the U.S.?

Baby Boomers Real Estate Trends

There has also been a 31% increase in the number of older owner households. But renting seems to be trending more than buying in the last years, especially for the growing elder age group which is making its presence known in the real estate market.
The 60 and older generation is taking over the real estate market

Bezos and Musk talk about leadership


Jeff Bezos leads Amazon and Blue Origin, the space company that wants to take you to the moon. Elon Musk leads Tesla and SpaceX, the space company that wants to take you to Mars to join a colony.  Collectively the companies they lead have generated over $1 trillion in market value over the past 10 years. Hear what each has to say about leadership.
Billioinaires’ leadership styles

Baton Rouge Named on Top Retirement Cities List

It comes as no surprise that Baton Rouge has been named one of the top 20 cities in the U.S. for retirees. As senior populations continue to grow, every part of the country will become more senior-dominated, but some more than others. Now the rest of the country is finding out what we already knew – Baton Rouge rocks!
Retirees Thrive in Baton Rouge

Top 10 Upscale Travel Destinations

If you consider yourself an “upscale traveler,” others like you areare seeking adventures in less-visited destinations from Latin America to the Middle East to off-the-beaten-path Europe this fall and holiday season, according to new data from global luxury travel network Virtuoso®
Luxury Travel Destinations

Billionaire Home Depot Founder Gives 80% of His Wealth to Charity

When you have already given more than $2 billion to charity, what do you do with the remaining $4.5 billion of your fortune. If you are Bernie Marcus, co-founder of Home Depot, you give 80% of it away – to charity.
Bernie Marcus gives his fortune to charity 

What You May Not Know About Social Security

Social Security benefits are based upon how much was earned during your working career. Choosing when to receive these benefits is one of the most important financial decisions you will make. If you choose to retire when you reach your full retirement age, you will receive your maximum benefit amount.
All About Your Benefits

Do you speak credit card?

Deciding which credit cards to apply for has become a bit complicated. Who offers the best deal on miles? What about points? Is there a cashback feature? Annual fee? Before you decide on a card, get to know the meaning of all the terminology associated with credit cards. The more you know in advance, the better the deal you will probably find.
Credit Card Terms We All Should Know

Are You Ready for Retirement?

Man holding sign "What's your plan for retirement?"

The Annual Transamerica Retirement Survey explores attitudes about retirement and retirement readiness among American workers. Since 1998, Transamerica Center for Retirement Studies® (TCRS) has conducted a national survey of U.S. business employers and workers regarding their attitudes toward retirement. You may be surprised at some of this year’s survey findings. If you are retired or retiring this year, this is a must read.
What is “Retirement”? Three Generations Prepare for Older Age

Zero Percent Credit Cards

The business of shopping for credit cards can be laborious, unless you hit on something fun in your search. Right now there are five credit cards that offer zero percent interest until 2021. Each of these cards offers its own special perks.
5 great zero percent credit cards

Take care of your mind and body

 Warren Edward Buffett - drawingMega-billionaire Warren Buffett says ignoring your mind and body health is like “leaving your car out in a hailstorm.” The evidence shows it has surely worked for him. It can work for you too.
Warren Buffett’s sage advice for young people

Reverse Mortages

Reverse mortgages, loans for people age 62 and older, allow seniors to convert home equity into cash. Are you still confused about how a reverse mortgage works? Find out the pros and cons of this type of plan.
Considering a reverse mortgage?

Working while receiving Social Security

If you plan to keep working after you start receiving Social Security, there are important items you should know. How much can you earn? Is there an earnings limit? Will your benefits be withheld if you earn too much? Find out what you need to know before you make your decision.
What happens if you work while receiving Social Security?

It is never too late to start exercising

Good news for couch potatoes. Even if you have spent more time bingeing Netflix than hitting the gym over the course of your life, a new study suggests it is never too late to start exercising. Mid-life may be the ideal time to start.
Why it’s never too late to start exercising

25 Fast Financial Fixes

Money is tight and you’ve done everything possible to cut your expenses, right? Not so fast. Here are 25 quick financial fixes that you may not have considered yet.
25 Fast Financial Fixes

Harness your momentum

Collective momentum is the process of directing all of your energy and concentration toward a goal or objective. Find out what John Neyland has to say about harnessing your momentum and living a better life.
A body in motion: 5 ways to increase your personal collective momentum

Is 60 really the new 40?

Guess what: If you make it to 65, you have a 50 percent chance of making it to 85. What roles are technology and science playing in healthy, successful aging?

Can we live longer but stay younger?