Profile picture for Helix. Warning: This article contains spoilers for the original Blade Runner film, but not for Blade Runner 2049. It's suggested in the film that there's at least some DNA involved in the making of a replicant, but perhaps replicants are actually cyborgs—part organic, part machine. A few highlights: 'So many Americans struggle with finances,' an announcer says in a State Farm commercial that promotes the financial literacy tools available at LetsStartToday.com. Red Robin plugs its 'Yum 2 Go' mobile-ordering app. And DNA testing service Helix encourages you to 'Crack your code.'

When I advise my clients about their retirement, I can’t just focus on asking them, “How much are you saving?' Or “Do you think you are conservative or aggressive?'

These are questions to be addressed. However, a couple’s retirement is dependent on a few other financial disciplines that are interconnected with retirement planning to flesh out the entire retirement discussion. Some have to do with behavior and others have to do with prudent planning.

Life has a way of throwing different barbs at us and we must be cognizant of how these life risks affect our retirement planning. Life Risk 1: Being a Slave to Debt If a couple stays healthy, living within their means, are good savers and are either out of debt or working diligently to get out of debt, then this couple has a very good chance of having the type of retirement they dream about. However, if they don’t have good spending habits and are constantly enslaved to debt, retirement may be a nightmare instead of the dream they wanted.

Knowing the neuroscience behind what makes some people good savers and other good spenders is important. Once they know the triggers that cause them to behave one way or the other, they can start training themselves to either continue to be good savers, or to change their habits/addictions they have of constantly spending more money than they have.

(For related reading, see:.) Life Risk 2: Developing a Dreaded Disease I don’t know of a person that can determine whether they will develop a dreaded disease. The only way I know help stave off complete financial devastation is to have medical insurance or at least, a catastrophic plan. A family cannot let their family be exposed to this type of risk without this type of coverage. Everyone gets sick or hurt, some more severely than others, so it is incumbent on us that we plan this risk away to the extent we can for the sake of our spouse and children.

Life Risk 3: Becoming Disabled It is my professional and humble opinion that a person should not start investing until they procure a personal or at least get covered under their company’s group disability plan. A person’s retirement depends on income and if the income stops because of sickness or accident, the retirement savings stops also. If the disability lasts a lifetime or even an extended period, there is no other way to stave off financial ruin than having a replacement of income and that is exactly what a disability policy would provide. The benefit may not allow enough income replacement to save towards retirement. However, it may be enough so that they don’t have to pull any money out of the retirement savings they’ve already accumulated.

The benefit may help to maintain paying our everyday expenses without going into debt, missing payments, or dipping into retirement savings (which taxes will be and penalties may be assessed). Life Risk 4: Parents Needing Care or Enabling Children If parents haven’t planned appropriately, there may be a need for us to take care of them by either providing funds or stepping out of the marketplace to personally take care of them. Either way, much income will be lost to take care of the need. Although there are options for the parent’s care like, this may not always be a palatable choice. People need to make a hard decision on how this risk is to be covered.

(For more, see:.) Another risk is the enablement of children. Bringing up children in a responsible way that teaches a “hard work” ethic is easier said than done.

It seems that more and more young people are born with a smartphone in their hands that creates a gaming addiction in the child instead of wanting to play team sports or doing group activities without the use of an electronic device. I know this is a generalization and there are circumstances out of our control as to why we need to provide for our children for an extended period or perhaps a lifetime. However, if their older adult child is perfectly healthy and able to do work, the best thing parents can do is to get them off their payroll and allow them to grow up by pushing them out of the house to start fending for themselves. Life Risk 5: Making Emotionally Driven Decisions During an Economic Downturn When people make irrational decisions during an economic downturn, they can irrevocably ruin the prospects for their retirement. The strategy I use in my practice now makes so much sense, even for older clients.

Instead of selling into stock market weakness, we buy into the weakness. With appropriate, we have conservative investments and some that are more aggressive. When the market is going down, we sell some of the conservative investments to buy more of the aggressive investments.

Buying more shares of growth-oriented investments sets us up for higher long-term returns by having more shares at lower prices that will later help generate income for us. Selling share of growth investments when the market is high will allow us to lock in gains and buy more conservative investments in case there is a market decline so we reallocate to take more conservative stance.

Either way, we still have exposure to growth investments. The markets, over time, have a way of taking care of us financially if we keep our heads about us. (For more from this author, see: ) Securities offered through Kestra Investment Services, LLC (Kestra IS), member FINRA/SIPC. Investment advisory services offered through Kestra Advisory Services, LLC (Kestra AS), an affiliate of Kestra IS. Snow Financial Group, LLC is not affiliated with Kestra IS or Kestra AS. Investopedia does not provide tax, investment, or financial services.

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News By Feb 25, 2015, 08:15 AM Out with the Swing, and in with the OpenGL. Is the newest release of the well rooted RC simulator. Microsoft Speech Voices Download Windows 7. This new update has the best graphics yet from HELI-X. With models like FPV quad racing, helicopters, and so on.

It is a free functional demo version (4 helicopters, 1 quadrocopter). If you like it, you can upgrade to a full version, and receive all the models, and sceneries. Works on all the popular platforms like Windows, Mac-OS X and Linux. Features • Best possible real-time physics based on modern mathematical methods. • Availability for Windows, Mac-OS X and Linux. • Many trainings so that your practice makes fun. • Fair price and free updates.

Freud Instincts And Their Vicissitudes Pdf Converter. • Full functional demo version which you can really try before buy. Updates in 6.0 • Completely OpenGL-based, no use of Swing anymore • Possibility of full screen display • Sun glare and anisotropic texture filter • Improved aerodynamics • Crash and retry Training • More accurate simulation of the ground effect • Improved engine rotor coupling • Detail window • Camera setting with keep-ground-in-view • Improved and new head up displays • And many other changes to improve HELI-X • Gear like animations at helicopters Direct download links. Hi, What hardware is needed for v6?

I have a older notebook with Intel Core 2 Duo T7500 2.2GHz 4Gb RAM running Windows Vista 32bit. I loaded Heli-X ver4.2.1254 demo, it runs the Logo 600 at less than 20fps and is really jerky on screen.

Any thoughts on how to smooth out the jerky response? Is it my screen resolution and video RAM at fault? Thanks in advance. You probably have a crappy built in video processor. No way to fix that.

If it has an actual Nvidia or Radeon chip, then upgrade your video drivers. If its an older Intel video processor, not much you can do. My Macbook Pro has Intels newest video processor, and it is very smooth.