31.03.2016 Views

EXTRA!

EXTRA! EXTRA! EXTRA! about culture, little communities, small business, marketing. and life style.

EXTRA! EXTRA! EXTRA! about culture, little communities, small business, marketing. and life style.

SHOW MORE
SHOW LESS

You also want an ePaper? Increase the reach of your titles

YUMPU automatically turns print PDFs into web optimized ePapers that Google loves.

The Small Business Issue March+April 2016<br />

<strong>EXTRA</strong>!<br />

for weconnect2.com serving the little communities<br />

It is your business what matter<br />

The common operation:<br />

Everything Senior<br />

No budget, no advertising<br />

or very small amount, no<br />

strategy or business plan,<br />

zero accounting and<br />

accountability, R&D or<br />

product development..<br />

what is that?<br />

The bottom line most little<br />

communities small<br />

businesses still operate as<br />

a”mom and pop shop”,<br />

family business style of<br />

the old east and west,<br />

north and south too.<br />

To order your bi-monthly copy go<br />

to magzter.com and search for<br />

<strong>EXTRA</strong>! Always look for best<br />

offers on subscription, and it is<br />

sold as a print on nusjournal.com<br />

SMALL BUSINESS WITH<br />

SMALL EVERYTHING,,,,,<br />

SMALL BUSINESS PLAN<br />

AHEAD, OR FORCASTING,<br />

SMALL DAILY ROUTINE<br />

AGENDA, SMALL OR<br />

LITTLE ADVERTISING<br />

BETTER THAN NONE<br />

What matter to me:<br />

FREEDOM, INCOME<br />

SUPPLEMENT, SECURITY,<br />

STRONG AND CONFIDENT<br />

AT WORK..<br />

Contact us by email at<br />

weconnect2@live.com<br />

or call us 24 hours customer<br />

service at 716 201-0012<br />

The aging baby boomers need help in<br />

several areas of their life and it is a big<br />

market to be tapped. There are several<br />

small business opportunities in the<br />

senior market that you can look at:<br />

1. Senior training for upgrading their<br />

skills for jobs<br />

2. Technical assistance for electronic<br />

products<br />

3. Senior and disabled in-home care<br />

4. Healthcare<br />

5. Food service – preparation and<br />

delivery<br />

6. Home automation and renovation to<br />

make the lives of seniors easy and safe<br />

http://myownbusiness.com.au/<br />

<strong>EXTRA</strong>! is a comprehensive<br />

coverage for weconnect2.com<br />

publishing and digital network.<br />

<strong>EXTRA</strong>! about people on the move,<br />

achievement, and learning.<br />

<strong>EXTRA</strong>! is about feedback ,<br />

research, and studies.


Available in print and digital media from weconnect2.com<br />

Police Without Borders PWB a magazine for<br />

policewithotborders.com about good stories, bad one, and<br />

the serach for balance in Law Enforcement everywhere.<br />

The magazine is published four to ten issues per year. To<br />

subscribe at magzter.com, and weconnect2.com web<br />

pages. Look for best offer.<br />

Connections magazine for myconnectionsmagazine.com<br />

part of the digital network of weconnect2.com and set to<br />

edcuate and enhance the readers and visitors<br />

knowledge about communication with fashion statement,<br />

health and diet, social trends and particular human<br />

behaviors changes, facts, and factors.It is to entertain all<br />

of us with Amazing places to travel, and all about<br />

Mediterrenean Plus diet and culture where the Old World<br />

connect with the New World.<br />

Extra! is a local favorite newsletter online for more than<br />

6000 registered members for nusjournal.com and part of<br />

weconnect2.com digital network. Extra! is about<br />

information compactor a journal in many ways that<br />

summurize the web pages information to bring to all of us<br />

in form of show time the best articles, most important<br />

contents, and exclusive hot topics.


<strong>EXTRA</strong>!<br />

Weconnect2.com<br />

<strong>EXTRA</strong>! March<br />

and April 2016 The<br />

Small Business<br />

Issue<br />

EddieAdel Editor’s note<br />

Some Scary terms you must<br />

know about operating a<br />

small business<br />

Too Busy Doesn’t Equal Getting<br />

Lots Done<br />

“If you're a small business<br />

owner, being busy is part<br />

of the game. Being able to<br />

handle it -- namely, still<br />

getting work done despite<br />

being busy -- is key to your<br />

success.”<br />

Scary terms:<br />

BETTER BUSINESS BUREAU.<br />

“WILL GET YOU, AND CLOSE<br />

YOUR BUSINESS”<br />

YELP GUYS CALLED AND SAID<br />

YOU HAVE A BAD COMMENT<br />

FROM A CUSTOMER.<br />

SBA PEOPLE CALLED AND<br />

YOU NEED TO BE A MEMBER,<br />

THEY SAID TO CALL THEM.<br />

How about the Chamber of<br />

Commerce wanted you to<br />

pay your fees. There are lot<br />

more one your name or your<br />

business become part of the<br />

general public mailing list.<br />

It is all part of the social<br />

business connections. None<br />

are must have nor they are<br />

an authority as a government<br />

agency including the BBB.<br />

Many have fallen to one or<br />

another of the above<br />

businesses or and<br />

associations because of lack<br />

of knowledge, and how the<br />

representation took them<br />

away. From now on you are<br />

responsible for allowing any<br />

of the sort of speak<br />

secondary business agencies<br />

to take control of your<br />

business.<br />

Small business, can be home<br />

based, part of a network,<br />

generating supplement<br />

income, and any other type<br />

1<br />

of self-generating income<br />

such as caring for elders,<br />

having your own car working<br />

for either UBER or LYFT,<br />

selling for HERBLIFE, and it<br />

can be Dietician and Training<br />

exercises as a professional or<br />

personal trainer. All the<br />

above and other similar small<br />

businesses need marketing,<br />

continuous advertising and<br />

promotions, of course a<br />

business plan and plans<br />

because if plan A didn’t work<br />

or it doesn’t work well, we all<br />

know there is many more<br />

that will in B to Z. So have<br />

other alternatives set aside.<br />

One must focus and consider<br />

his or her ambitious to do<br />

well extremely serious.


<strong>EXTRA</strong>!<br />

Weconnect2.com<br />

On sale at magzter.com look for best offer for print order visit weconnect2.com or<br />

myconnectionsmagazine.com<br />

2


<strong>EXTRA</strong>!<br />

Weconnect2.com<br />

Visit us on the web at carolinasitalianrestaurant.com<br />

now serving quality italian food with great ingredients in Anaheim and Garden Grove.<br />

3<br />

carolinasitalianrestaurant.com


<strong>EXTRA</strong>!<br />

Weconnect2.com<br />

In this Issue<br />

How much local retailers<br />

business lost to Mega Online<br />

Shopping Network<br />

How Baby Boomers Will<br />

Change the Economy<br />

Page 6<br />

The Pros, Cons, and Costs of<br />

the Top 6 Content Distribution<br />

Platforms<br />

Page 8<br />

Local marketing and promotion:<br />

When is the right time to do<br />

marketing?<br />

Page 18<br />

Page 14<br />

4


<strong>EXTRA</strong>!<br />

Weconnect2.com<br />

5


<strong>EXTRA</strong>!<br />

Weconnect2.com<br />

How much<br />

business lost<br />

to Mega<br />

Online<br />

Shopping<br />

Network:<br />

The most heard<br />

complaints by local<br />

merchants and small<br />

business owners of the<br />

tremendous impact the<br />

large online companies<br />

have done to the local<br />

economy. Amazon on<br />

top of the list followed<br />

by E-bay and Ali Baba.<br />

How much if any really<br />

this is true and facts. It is<br />

to some unfortunate<br />

local merchants very<br />

true, but the blame is to<br />

the local merchants<br />

more than to the online<br />

shopping network<br />

companies. Many local<br />

small businesses have<br />

used the large online<br />

shopping network to sell,<br />

advertise, and expand<br />

their market worldwde<br />

and benefited with large<br />

amount of sales in<br />

return. Some have<br />

created their own online<br />

shopping and further<br />

have moved from in<br />

store shopping to online<br />

only to better service the<br />

clients and to both use<br />

the price strategy to<br />

compete with the<br />

national and<br />

international market<br />

offering more for less by<br />

saving on the rent or<br />

lease.<br />

It is by all mean a winwin<br />

situation for<br />

everyone if one took a<br />

good look at the<br />

Competition from every<br />

side.<br />

Here some statistics<br />

about the losses of the<br />

local businesses to the<br />

large online shopping<br />

network: The report,<br />

Retail Futures 2018,<br />

states that consumer<br />

spending has increased<br />

by 12% since 2006 but<br />

operating costs for<br />

6<br />

retailers have<br />

increased by 20%.<br />

Its author, Professor<br />

Joshua Bamfield, the<br />

CRR director, said:<br />

"Customers now shop<br />

in multiple ways,<br />

checking a store's<br />

website, visiting stores,<br />

reading reviews and<br />

making online price<br />

comparisons with<br />

smart phones whilst<br />

shopping.<br />

"Retailers have to<br />

make clear and<br />

strategic responses to<br />

the changing pattern of<br />

how consumers shop,<br />

which includes tactical<br />

decisions about store<br />

numbers and<br />

locations. They also<br />

need to fully integrate<br />

these physical stores<br />

with their websites,<br />

smart phone offerings<br />

and social media<br />

community coherently.<br />

"Going forward, I<br />

think retail stores will


<strong>EXTRA</strong>!<br />

Weconnect2.com<br />

remain an important,<br />

although smaller, part<br />

of the shopping<br />

process as online retail<br />

continues to grow."<br />

Here the not so visible<br />

forecast of the fast<br />

track Amazon looking<br />

for the big fancy take<br />

over of the small<br />

market only to destroy<br />

the large expanding<br />

companies and benefit<br />

the local small<br />

retailers. This report<br />

tell tales on both the<br />

rapid increase of the<br />

internet users and the<br />

fast downfall of large<br />

companies in the local<br />

neighborhood making<br />

it much better for local<br />

retailers to do business<br />

both with local<br />

consumers and<br />

everywhere Amazon<br />

and others similar<br />

online shopping<br />

network expanded<br />

their market horizon.<br />

In the mid- to late 1990s,<br />

when online bookselling<br />

was in its infancy,<br />

Barnes & Noble and<br />

Borders were busy<br />

expanding their empires,<br />

often opening stores<br />

adjacent to longestablished<br />

community<br />

bookstores. The<br />

independents were<br />

alarmed by these and<br />

other aggressive<br />

strategies. The chain<br />

stores could give<br />

customers deeply<br />

discounted offerings on a<br />

depth of stock made<br />

possible by favorable<br />

publishers’ terms not<br />

extended to<br />

independents. Clerks at<br />

the chains might not<br />

intimately know the<br />

tastes and predilections<br />

of the surrounding<br />

neighborhood, but the<br />

price was right: lower<br />

was better, lowest was<br />

best.<br />

The death toll tells the<br />

tale. Two decades ago,<br />

there were about 4,000<br />

independent bookstores<br />

in the United States; only<br />

about 1,900 remain. And<br />

now, even the victors are<br />

imperiled. The fate of the<br />

two largest US chain<br />

bookstores—themselves<br />

partly responsible for<br />

7<br />

putting smaller stores to<br />

the sword—is<br />

instructive: Borders<br />

declared bankruptcy in<br />

2011 and closed its<br />

several hundred stores<br />

across the country, its<br />

demise benefiting over<br />

the short term its rival<br />

Barnes & Noble, which<br />

is nonetheless<br />

desperately trying to<br />

figure out ways to pay<br />

the mortgage on the<br />

considerable real estate<br />

occupied by its 1,332<br />

stores across the nation.<br />

It is removing thousands<br />

of physical books from<br />

stores in order to create<br />

nifty digital zones to<br />

persuade customers to<br />

embrace the Nook e-<br />

book readers, the<br />

company’s alternative to<br />

Amazon’s Kindle.<br />

Persistent rumors that<br />

B&N’s owners wish to<br />

sell regularly sweep the<br />

corridors of publishing.<br />

But the very idea of<br />

owning a bookstore<br />

strikes most savvy<br />

investors as forlorn. In<br />

recent weeks, Microsoft<br />

Corp. decided to<br />

challenge Amazon by<br />

investing $605 million in<br />

B&N’s digital-book<br />

business, an arrangement


<strong>EXTRA</strong>!<br />

Weconnect2.com<br />

that calls for sharing<br />

revenue from e-book<br />

sales and other content.<br />

For many of us, the<br />

notion that bricks-andmortar<br />

bookstores might<br />

one day disappear was<br />

unthinkable. Jason<br />

Epstein put it best<br />

in Book Business, his<br />

incisive 2001 book on<br />

publishing’s past, present<br />

and future, when he<br />

offered what now looks<br />

to be, given his<br />

characteristic<br />

unsentimental sobriety,<br />

an atypical dollop of<br />

unwarranted optimism:<br />

“A civilization without<br />

retail bookstores is<br />

unimaginable. Like<br />

shrines and other sacred<br />

meeting places,<br />

bookstores are essential<br />

artifacts of human nature.<br />

The feel of a book taken<br />

from the shelf and held<br />

in the hand is a magical<br />

experience, linking<br />

writer to reader.”<br />

The report also expand<br />

the analysis to how will<br />

the our civilization<br />

change to a world<br />

without retailers. Of<br />

course as much as we<br />

can say that paperback<br />

books no longer exist.<br />

The facts are all that of<br />

new inventions of<br />

internet and follow<br />

online shopping have<br />

expanded the<br />

consumers choices<br />

adding on the retail<br />

shopping more ways to<br />

go about buying and<br />

created many new<br />

market niches for<br />

consumers who were<br />

long bored with the<br />

local retailers.<br />

The Pros,<br />

Cons, and<br />

Costs of<br />

the Top 6<br />

Content<br />

Distribution<br />

Platforms<br />

Clearly, not all<br />

distribution platforms<br />

are created equally.<br />

Social networks each<br />

have certain types of<br />

people drawn to their<br />

respective news feeds—<br />

think of lunchroom<br />

cliques from high<br />

school. For marketers,<br />

it’s crucial that precious<br />

ad dollars are spent<br />

wisely on the clique<br />

that’s most likely to<br />

respond to your work.<br />

There needs to be clear<br />

objects for any<br />

distribution initiative so<br />

marketers can pair<br />

smart content with the<br />

right platform, and as a<br />

result, the right<br />

audience.<br />

As you think about how<br />

to make your content<br />

more effective, here’s<br />

our updated breakdown<br />

of the most important<br />

distribution platforms<br />

in 2015.<br />

*Note: All costs vary<br />

depending on a<br />

number of factors<br />

tailored to your<br />

campaign. Estimates<br />

8


<strong>EXTRA</strong>!<br />

Weconnect2.com<br />

come from our own<br />

case studies and online<br />

reports, but like with<br />

the Bowflex, results<br />

most certainly vary.<br />

1.<br />

Facebook<br />

Sponsore<br />

d Posts<br />

Estimated Average<br />

CPC: $0.50<br />

Pros: Facebook has a<br />

key advantage over<br />

other distributors: It<br />

has amassed the a truly<br />

massive data set on its<br />

users, making it<br />

possible to target a very<br />

specific audience.<br />

Brands and publishers<br />

alike can rest assured<br />

the right eyeballs will<br />

be on their content on<br />

Facebook, and since<br />

Facebook Sponsored<br />

Posts can be re-shared<br />

like any other post, this<br />

investment can spur on<br />

exponential results if an<br />

article goes viral. It’s by<br />

far the best<br />

combination of<br />

targeting and spending<br />

efficiency.<br />

Cons: Facebook<br />

Sponsored Posts may<br />

be effective, but they<br />

leave a bitter taste in<br />

the mouths of some<br />

marketers after brands’<br />

average organic reach<br />

was reduced to roughly<br />

two percent last year—<br />

essentially forcing<br />

brands to pay to play.<br />

Due to the hypertargeting<br />

advantages,<br />

the cost per click will be<br />

slightly more expensive<br />

than with services like<br />

Outbrain and Taboola<br />

for most brands. For<br />

B2B marketers,<br />

reaching the right<br />

people can still be a bit<br />

of a crapshoot since,<br />

unlike on LinkedIn, you<br />

can’t target for factors<br />

such as job title and<br />

company.<br />

9<br />

2.<br />

LinkedIn<br />

Sponsore<br />

d Updates<br />

CPC: $6<br />

Pros: LinkedIn is still<br />

the gold standard for<br />

reaching high-value<br />

audiences. Its strongest<br />

asset is its network of<br />

professionals and<br />

executives. If you have<br />

a specific target,<br />

sponsored updates can<br />

provide a lot of value.<br />

You can filter based on<br />

company, job title,<br />

location, etc, so if you<br />

only want to reach SVPs<br />

from Citigroup, you can<br />

do that. Other<br />

distributors may yield<br />

more clicks, but<br />

LinkedIn has built up a<br />

platform that can yield<br />

the right clicks.<br />

Cons: Because<br />

LinkedIn boasts an<br />

extensive professional<br />

network and incredibly


<strong>EXTRA</strong>!<br />

Weconnect2.com<br />

specific targeting, it<br />

comes with a Maserati<br />

price tag. You have to<br />

prioritize your targets<br />

wisely.<br />

3.<br />

Outbrain<br />

CPC: $0.30<br />

Pros: Excluding the<br />

major social networks,<br />

Outbrain is probably<br />

the most well-know and<br />

trusted distribution<br />

platform out there right<br />

now. It’s publishing<br />

partners are premium,<br />

including the likes of<br />

Time, CNN, ESPN,<br />

Mashable, and Slate, to<br />

name a few. The service<br />

has always tried to<br />

control the quality of<br />

the content it<br />

recommends, banning<br />

those who use deceptive<br />

practices. If you’re<br />

looking to push magical<br />

diet pills, Outbrain is<br />

not for you.<br />

Cons: The biggest<br />

concern is that<br />

marketers have<br />

difficulty tracking who<br />

exactly is engaging with<br />

the content that gets<br />

distributed. There are<br />

limited options to<br />

examine and analyze<br />

data from your<br />

campaigns once they’re<br />

live. For example, you<br />

can target content to<br />

millennial women, but<br />

you can’t see what<br />

percentage of your<br />

traffic comes from that<br />

demographic. Outbrain<br />

is working on making<br />

its product more<br />

sophisticated, which<br />

would help smooth out<br />

some of the reporting<br />

constraints.<br />

4.<br />

Promoted<br />

Tweets<br />

CPC: $1<br />

Pros: For marketers<br />

who deal with the<br />

media industry, the<br />

network can be a very<br />

10<br />

valuable asset.<br />

Promoted Tweets have<br />

always blended well<br />

into Timelines, and<br />

recently, Twitter<br />

removed the little<br />

yellow tag that<br />

accompanied sponsored<br />

content. Promoted<br />

tweets are still clearly<br />

labeled, but the in-feed<br />

design fits better with<br />

surrounding content.<br />

There’s also a smart<br />

multi-channel feature<br />

that helps brands serve<br />

promoted tweets to<br />

viewers who are talking<br />

about a certain TV show<br />

or saw a relevant<br />

commercial.<br />

Cons: Even though<br />

Twitter is popular<br />

among celebrities, it<br />

doesn’t actually have a<br />

huge audience—<br />

Facebook has five times<br />

as many users. Twitter<br />

is great for some<br />

verticals, like<br />

marketing, media, and<br />

entertainment, but less<br />

ideal for others. Also,


<strong>EXTRA</strong>!<br />

Weconnect2.com<br />

the way the network<br />

defines and calculates<br />

clicks is a bit<br />

deceptive—Twitter<br />

Analytics counts any<br />

click on a post, such as<br />

an image click—not just<br />

link clicks. You have to<br />

track that separately<br />

through bit.ly to see<br />

your true CPC.<br />

5. Nativo<br />

[Full disclosure: Nativo<br />

is a Contently client.]<br />

Rather than a CPC,<br />

Nativo charges a<br />

viewable CPM<br />

(vCPM): $12–$20<br />

Pros: Nativo’s greatest<br />

strength is scale.<br />

Instead of being a<br />

service that lets you<br />

promote your content<br />

and drive readers back<br />

to your site, Nativo<br />

helps you push your<br />

brand’s articles onto<br />

publishers’ sites as<br />

sponsored posts. The<br />

programmatic platform<br />

helps clients distribute<br />

work through a strong<br />

group of publishers that<br />

includes sites<br />

like Newsweek and Ent<br />

repreneur. And Nativo<br />

closely examines the<br />

legitimacy of traffic to<br />

ensure that clients<br />

aren’t billed for bot<br />

activity.<br />

Cons: Companies that<br />

work with native<br />

content have always<br />

had to fight an uphill<br />

battle against the<br />

perception that their ad<br />

placements are<br />

deceptive. Multiple<br />

studies, including<br />

one we published last<br />

year, suggest that a<br />

large portion of readers<br />

don’t trust native<br />

content. As owned<br />

media continues to gain<br />

momentum, native may<br />

not be as appealing to<br />

brand publishers. After<br />

all, if you can get people<br />

to spend time on your<br />

own site and build<br />

relationships with them<br />

directly, why would you<br />

pay another site?<br />

11<br />

6. Taboola<br />

CPC: $0.25<br />

Pros: Even last year,<br />

Taboola already had a<br />

reputation for<br />

committing to paid<br />

video distribution that<br />

gave it an edge over<br />

competitors. Overall,<br />

the services seem to be<br />

a tad cheaper than<br />

similar products, and<br />

when you use Taboola,<br />

you know you’re going<br />

to get eyeballs on your<br />

work—the company<br />

reportedly drives 550<br />

million uniques every<br />

month for it’s clients.<br />

Cons: See Outbrain.<br />

Also, while Taboola<br />

offers a long list of<br />

publishers, compared<br />

to Outbrain, it deals a<br />

bit more with clickbait<br />

sites like Elite Daily and<br />

TMZ, so you might not<br />

reach the ideal audience<br />

in some cases.


<strong>EXTRA</strong>!<br />

Weconnect2.com<br />

Weconnect2.com publishing and digital network we deliver related content with<br />

link to your web page, we offer Photo stream for your graphic design logo or<br />

advertisement.<br />

All negotiable.<br />

Contact us for quotes.<br />

Weconnect2@live.com<br />

Call 7162010012. We Recommend The New Garden Grove Great Wolf Lodge<br />

greatwolf.com visit us on the web for details information about our locations.<br />

One Fun Family Vacation.<br />

So Many Memories!<br />

Your Great Wolf Lodge resort adventure begins in our massive, 84-degree indoor<br />

water park, packed with thrill rides, water slides and splashin’ fun for the little ones.<br />

When you’re ready to dry off, you’ll find attractions, games, activities and adventures<br />

along with plenty of family-friendly dining options, all under one roof!<br />

12


<strong>EXTRA</strong>!<br />

Weconnect2.com<br />

www.doctorswithoutborders.org give the gift that save life…donate.<br />

13


<strong>EXTRA</strong>!<br />

Weconnect2.com<br />

Doctors Without Borders Recommended for your choice of none profit<br />

organization in need of your support and also recommendations.<br />

14


<strong>EXTRA</strong>!<br />

Weconnect2.com<br />

15


<strong>EXTRA</strong>!<br />

Weconnect2.com<br />

Local marketing and promotion: When is the<br />

right time to do marketing? When a business is doing good is the best<br />

time to increase marketing measures and improve advertising campaigns. Most of retailers wait until<br />

the slow time of the year based on the sales figures from the year before and begin spending money in<br />

marketing and advertising to increase sales and attract clients.marketing measures and improve<br />

advertising campaigns. Most of retailers wait until the slow time of the year based on the sales figures<br />

from the year before and begin spending money in marketing and advertising to increase sales and<br />

attract clients.<br />

Ibrahim Firm: Attorneys at law: Family, Personal Injury,<br />

Bankruptcy, and other legal matters.<br />

ibrahimfirm.com visit us on the web and call us 714 808-0800 Our Firm has Extended<br />

experience in Bankruptcy and Eviction Law in the Orange County Area.<br />

16


<strong>EXTRA</strong>!<br />

Weconnect2.com<br />

How Baby<br />

Boomers<br />

Will Change<br />

the<br />

Economy<br />

These industries<br />

are likely to benefit<br />

when the baby<br />

boomers retire.<br />

In the year 2000,<br />

approximately 2.5 million<br />

Americans turned 65. This<br />

year, more than 3.5 million<br />

Americans will pass that<br />

milestone. And the number of<br />

people joining the ranks of the<br />

elderly will keep increasing, at<br />

least for the next 20 years, as<br />

more and more baby boomers<br />

hit their 60s, 70s, and 80s. By<br />

2030, the over-65 crowd will<br />

expand to 72 million people,<br />

up from 40 million in 2010.<br />

The increasing numbers<br />

of recent retirees, along with<br />

the hordes of people waiting at<br />

the gates, give politicians<br />

headaches as they try to figure<br />

out how to finance Social<br />

Security and pay the medical<br />

bills covered by Medicare.<br />

But for those of us looking to<br />

invest in the American<br />

economy, this burgeoning<br />

population means an<br />

increasingly lucrative market<br />

for products and services<br />

focused on the elderly. By the<br />

time they're done, some 78<br />

million baby boomers will have<br />

survived millions of hip<br />

replacements and heart<br />

transplants, swallowed trillions<br />

of Advil and Viagra, and<br />

consumed billions of boxes of<br />

bran and packages of prunes.<br />

Despite the faltering economy<br />

of the last five years, American<br />

seniors are richer than ever, in<br />

large part because more older<br />

people, especially older<br />

women, are working than in<br />

previous decades. According<br />

to a 2012 report from the<br />

Federal Agency Forum, the<br />

number of senior citizens living<br />

in poverty has declined from<br />

15 percent to 9 percent since<br />

the mid-1970s, while the<br />

17<br />

proportion of older Americans<br />

enjoying a “high income”<br />

increased from 18 to 31<br />

percent.<br />

So even while the burgeoning<br />

number of retirees will strain<br />

government resources, they<br />

will provide enormous moneymaking<br />

opportunities for public<br />

companies. These people will<br />

travel. They will move to<br />

warmer and friendlier climates.<br />

Many will manage their IRAs<br />

and 401(k)s through financial<br />

institutions. They will buy longterm<br />

care insurance, pay rent<br />

to senior citizen facilities, and<br />

drop an average of $8,000 per<br />

funeral.<br />

At least one financial firm has<br />

taken the trend seriously<br />

enough to create an “Aging<br />

Population Index” of stocks<br />

expected to profit from baby<br />

boomers. The list comprises<br />

over a dozen individual<br />

companies, from drug maker<br />

Celgene (CELG) to hotel chain<br />

Wyndom (WYN). These stocks<br />

may or may not be good<br />

investments. Unless you read<br />

their balance sheets and<br />

income statements, and know


<strong>EXTRA</strong>!<br />

Weconnect2.com<br />

something of their future<br />

plans, how would you know?<br />

The smart way to invest in<br />

baby boomers is to identify a<br />

trend, then let a reputable<br />

expert pick the specific<br />

companies that will likely<br />

benefit from those prevailing<br />

winds. Here are three ideas:<br />

1. Medical care. It doesn’t<br />

take hard-won experience to<br />

realize that older people use<br />

more medical products than<br />

younger people do. The<br />

average 70 year old gulps<br />

about three times more<br />

prescription drugs than the<br />

typical 40 year old. Vanguard<br />

has a mutual fund called<br />

Vanguard Health Care Fund<br />

(VGHCX), headed by Jean<br />

Hynes, that will provide<br />

honest, intelligent, and lowcost<br />

exposure to the industry.<br />

It earns four stars in the<br />

Morningstar rating system.<br />

Fidelity also has a four-star<br />

fund in its Select<br />

Pharmaceuticals fund<br />

(FPHAX) and a five-star fund<br />

in the Select Biotechnology<br />

Portfolio (FBIOX), helmed by<br />

Harvard-educated Rajiv Kaul.<br />

There are also a number of<br />

medical care ETFs, including<br />

Vanguard Health Care (VHT).<br />

2. Finance and insurance.<br />

Retirees are increasingly<br />

responsible for their own<br />

savings, income, and financial<br />

futures. Money managers are<br />

developing more and more<br />

products to meet this need,<br />

from annuities to reverse<br />

mortgages to asset<br />

management. But again, are<br />

you in a position to know<br />

whether J. P. Morgan or<br />

Morgan Stanley is the better<br />

investment (or even know the<br />

difference between the two<br />

companies)? Vanguard has an<br />

ETF, called Vanguard<br />

Financials (VFH), that invests<br />

in over 400 financial stocks.<br />

Schwab has a three-star<br />

financial mutual fund<br />

(SWFFX), and the Burnham<br />

Financial Services fund<br />

(BURKX) rates four from<br />

Morningstar.<br />

3. Consumer products. Older<br />

people may not buy that many<br />

jeans or video games. But<br />

they do purchase plenty of<br />

personal care products, from<br />

wrinkle creams to special<br />

cleansers to adult diapers.<br />

Vanguard offers an ETF called<br />

Vanguard Consumer Staples<br />

(VDC). Fidelity has a four-star<br />

consumer staples fund,<br />

Fidelity Select Consumers<br />

Staples Portfolio (FDFAX), run<br />

by a Wharton graduate. The<br />

Rydex Consumer Products<br />

Fund (RYCIX) is also rated<br />

four stars. These funds invest<br />

in companies like Procter &<br />

Gamble, which cooks up the<br />

fiber supplement Metamucil,<br />

and Kimberly Clark, which<br />

deals out Depends.<br />

There’s no guarantee that<br />

investing in any of these funds<br />

will produce better results than<br />

putting your retirement savings<br />

in a low-cost index fund. But<br />

can 78 million baby<br />

boomers be wrong?<br />

18


EddieAdel Publisher<br />

CONNECTIONS<br />

MAGAZINE<br />

for<br />

myconnectionsmagazine.<br />

com<br />

Thank you for everything<br />

Customer Service:<br />

716 201- 0012<br />

weconnect2@live.com<br />

There is always a story<br />

behind almost everything.<br />

CONNECTIONS have a<br />

unique sort of story we<br />

hope that you will be<br />

there when time to tell.<br />

The River Walk, San Antonio, TX<br />

CONNECTIONS Magazine The<br />

Immigrants Issue March 2016<br />

On sale in retail stores everywhere and<br />

online. Subscribe online for digital issues<br />

at magzter.com look for best offer search<br />

for”My Connections Magazine” and in<br />

print. Visit weconnect2.com for details.<br />

This is a proud<br />

publication from<br />

weconnect2.com


<strong>EXTRA</strong>! <strong>EXTRA</strong>! <strong>EXTRA</strong>!<br />

BIMONTHLY….SUBSCRIBE<br />

6 DIGITAL ANNUAL ISSUES<br />

$6.00 ONLY. All New..for weconect2.com<br />

publishing and digital network<br />

GREAT<br />

ĐẶC BIỆT-SPECIAL<br />

SUAVE=SMOOTH<br />

VOILA <strong>EXTRA</strong>! -<br />

THERE <strong>EXTRA</strong>!<br />

额 外 !additional!<br />

<strong>EXTRA</strong>!<br />

-Fashion Communication<br />

-Leadership skills<br />

-Health and diet<br />

-Education<br />

-Inspiration<br />

-Motivation<br />

-Moving Forward<br />

-Reading is more important than writing<br />

-Best Restaurant<br />

-Research, Study, Review<br />

Next issue<br />

March+April 2016<br />

out by late March.<br />

Last issue preview<br />

available at<br />

weconnect2.com on<br />

bookshelf<br />

About hard work, persistence, success stories, and leadership. People and<br />

communities, learning and enriching, exploring and discovering.<br />

To order your digital subscription for <strong>EXTRA</strong>! at magzter.com look for special offer.<br />

Printed issues are available at weconnect2.com<br />

For all your inquiries contact us at weconnet2@live.com or call 716 201-0012<br />

Content copyright 2016. weconnect2. All rights reserved. We Connect 2 Digital Network

Hooray! Your file is uploaded and ready to be published.

Saved successfully!

Ooh no, something went wrong!