The Neyland Report
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IS SOCIAL SECURITY RUNNING OUT OF MONEY?

    IS SOCIAL SECURITY RUNNING OUT OF MONEY?

We have been hearing the doom and gloom stories of the demise of social security for some time now. But how accurate are these daunting predictions? As it turns out, they are more realistic than we would like to believe.
In April of this year, the Social Security Board of Trustees released its annual report. The 260-page report is a laborious read, but as usual, the numbers tell the story. Last year there were 63 million people receiving benefits from Social Security. There are approximately 327 million Americans, so just over one-fifth of the population collects benefits. That part may not be surprising, but if there is an alarming figure in the report, it is this one: The total cost of the program in 2018 was $1,000 billion. Total income was $1,003 billion. As you can see, Social Security is paying out almost as much as it is bringing in.

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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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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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CONSIDER A CAREER SABBATICAL

  CONSIDER A CAREER SABBATICAL

If you are like most working Americans, you probably have two to four weeks’ vacation time per year. With 52 weeks in a year, two to four is not much. But what if you could take a sabbatical from work? Think of it – putting your career on hiatus, while you take some time just for yourself to do whatever it is that you have never had enough time to do. If the idea sounds too far-fetched, just know that a number of people are finding ways to do just that. This is not about just taking a vacation – this is about taking a full career break.

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MID-LIFE CAREER CHANGES

  MID-LIFE CAREER CHANGES

Many American workers find themselves in careers they had not planned, or in jobs they simply do not like. A 2017 Gallup study, “State of the American Workplace” revealed that 51 percent of American workers were actively searching for new jobs, and 47 percent were keeping themselves aware of job openings. The study also showed that only one-third of America workers felt fully engaged in their jobs. It might be a stretch to conclude that Americans hate their jobs, but it is clear that many would prefer to be doing something else.

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NEVER TOO OLD TO LEARN MONEY MANAGEMENT

  NEVER TOO OLD TO LEARN MONEY MANAGEMENT

We all know bad habits are hard to break. But if your worst habit has to do with the way you manage your money, breaking it could change your whole life – in a good way. If you overspend, don’t save money, over-use credit cards, pay bills late or consistently impulse buy, it may be time for a fiscal intervention. Now that we can buy everything from groceries to a new car with one click on our keyboards, reining in your bad consumer impulses takes real self-discipline.
Those who commit the above-listed money sins are often so used to being strapped for cash or hounded by bill collectors, that they may not even realize there is a better way to live. Further, many money sinners might believe they have been in the financial hole for so long that it is too late to climb out. That is absolutely untrue. Age has nothing to do with modifying your financial life. Here are common sense tips to help you have a healthier financial life:

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FINANCIAL LITERACY FOR RETIREMENT

  FINANCIAL LITERACY FOR RETIREMENT

Financial literacy is nothing more than a skillset designed to help you be in full control of your money and your investments. The problem is that many people do not take the time to develop these skills. Think of it: You learn skills associated with home repairs, cooking, interacting with people, driving, athletics, housekeeping and a host of other things required for your daily life. So why would you neglect perfecting your financial skills?
If you want or plan to retire, or if you have recently retired, financial literacy may be key to your well being for the rest of your life. For some people, the idea of financial control can be daunting. It does not have to be, and just focusing on a few key skills may make all the difference. Spoiler alert: The bottom line may have much to do with finding the right financial advisor. But before you do that, take a few proactive steps:

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EARLY RETIREMENT? NOT SO FAST

  EARLY RETIREMENT? NOT SO FAST

For many people, the idea of an early retirement is the holy grail of career success. Everyone has heard the stories of people who made their fortune early and then retired. And how many times have you day dreamt about not having the freedom to do what you want to do, instead of what you have to do. But is retiring at an early age all that it is made out to be? There are a number of serious considerations that must be thought through before giving up your job or your career for the sake of freedom. Financial independence is just one.

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COLLEGE AFTER 50: JUST DO IT!

  COLLEGE AFTER 50: JUST DO IT!

College-it’s not just for kids anymore. More older adults
are starting or returning to college than ever before. Maybe you are one of them, or maybe you have been harboring a desire to further your education. For many older would-be students, the prospect is daunting. It is often the Intimidation factor that prevents older adults from pursuing this dream. The good news? Many colleges and universities around the country have programs designed with you in mind.

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