Ian Mausner is a seasoned financial professional who worked with clients in money management for over thirty years. In that time, he helped people from all backgrounds take control of their bank accounts and find financial stability.
Among the most basic steps that a professional such as Ian Mausner might recommend that you take is budgeting. Though many people make budgets, few follow them. Tips like those below can help you break the pattern of ignoring your budget and start repairing your financial situation:
- Find a Tracker that Works.
Once you have the numbers for your budget, it’s easy to set it aside with good intentions and forget. A tracker that has your categories and limits will help you avoid this habit.
Whether you’d like a tracker on your phone, your tablet, your laptop or your notebook, do your research and find a system that works for you. Input your numbers and then, either daily or weekly, record what you’ve spent so that you can see what you have left.
When a category runs out, it’s easy to say “just this once” or “it’s only a few dollars” and keep spending. Unless it’s completely unavoidable, don’t allow it. Sure, it’ll be uncomfortable and you won’t like it, but if you’re strict with yourself, you’ll be less likely to over-spend the following month.
Sometimes the first, second and third drafts of your budget will be off. You’ll underspend in some categories and be forced to go over in others. If this happens, revise your budget as needed and try again.
If you’re having trouble with your budget, consider speaking with an experienced professional like Ian Oliver Mausner for assistance. Your advisor can give you the steps that you need to take your bank account into your own hands.
Also can read: Ian Mausner: How to Prepare to Invest
Ian Mausner is an individual who has a long history as a financial adviser, and people who are in his position often work with clients who are looking ahead toward their senior years. Retirement planning is very important if you want to be able to put your working years behind you and enjoy your active senior years. At the same time, you should also look ahead toward the period of time that will come after the golden years.
When you have been able to take care of your own affairs throughout your life, it can be hard to imagine a time when you will need help with your activities of daily living. Though this is understandable, the majority of senior citizens will eventually need living assistance. Many will reside in nursing homes, and these facilities are extremely expensive. When you hear about nursing home costs, you may assume that you don’t have to worry because you will be covered by Medicare. Nursing home care is considered to be custodial care rather than medical or convalescent care. The Medicare program does pay for convalescent care.
People often ask financial advisors about possible solutions. Medicaid is another government health insurance program, and it does pay for nursing home care. Ian Mausner lives in California, and in California, the program is called Medi-Cal. This is a need-based program, and it is only available to people who can prove that they have very limited financial resources. The limit on countable assets is just $2000. That’s the bad news, but the good news is that many things that you own do not count. Your home is not considered to be a countable asset, and there is no equity limit in California. One can maintain possession of one vehicle that is used as a primary form of transportation, and personal effects and household belongings are not counted toward this $2000 limit. Your wedding ring, your engagement ring, and any heirloom jewelry that you may have are not counted, and you can have unlimited term life insurance. This is life insurance that does not have a cash value.
It is possible to give gifts to your loved ones before you apply for a Medi-Cal to remove assets from your own name so that you can qualify for coverage if you need long-term care. However, there is a Medi-Cal look back. You have to complete the gift giving at least 30 months before you apply. If you violate this rule, your application will be denied at first until you wait out a penalty period.
An adviser like Ian Mausner may touch upon the value of a Medi-Cal trust if a client was to ask about nursing home asset protection. You could convey assets into this type of trust as you aim toward future Medi-Cal coverage. The trust would be irrevocable, so you would not be able to access the principal. However, you would be able to receive income that is earned by the trust without jeopardizing future Medi-Cal eligibility.
Ian Oliver Mausner founded Relationship Consulting, LLC with the aim of providing advice to people in difficult relationships and to those who have found themselves recently single, often after long periods of marriage. For many people, online dating as a concept was not really around when they were dating, so it can often be confusing to those who have never used such sites. However, there are many advantages of online dating that can benefit new singletons, including all of the following.
You Aren’t Face-to-Face
Many of the people who are considering dating after having just ended relationships may find that the prospect of meeting new people directly is scary. Online dating counters this by giving you the chance to talk to people without having to deal with the pressure of meeting them face-to-face. Many people who are shy or nervous find that building a rapport with somebody online can help them to enjoy themselves more when they finally take the plunge and meet in person.
You Can Do It Anywhere
You don’t need to spend your days at home, stuck behind a computer screen to start online dating. There are now many apps available that are designed to let you date on the go. Make use of such apps so that you can chat to people at any time of day, instead of restricting your conversations to when you have access to a computer.
You Meet More People
Though you may not realize it, your potential dating pool is often limited based on the places that you go and the people that you know. Online dating opens up an entire world of possibilities when it comes to choosing a potential partner. You will have the chance to learn more about a wider variety of people at the touch of a button, allowing you to be more selective in terms of who you date. Many online dating services offer methods to customize your searches as well, so you can filter out any traits or qualities that you are not attracted to.
Ian Oliver Mausner notes that people who have been in difficult relationships, especially those who may have suffered from abuse at the hands of former partners, are wary about dating because they no longer feel safe. Online dating offers a good outlet for such people, allowing them to get to know others without having to deal with the fears that come with physical dating. However, you do need to be wary of people who may be lying about themselves, so when the time comes to actually go on a date it is still important that you take whatever precautions that you deem necessary if you’re feel nervous. Consider meeting in a public place or sharing a double-date to make the situation safer.
Ian Oliver Mausner is the founder of True Love Publishing and Relationship Consulting, LLC and he aims to help guide people through difficult relationships, be it by making them better or by helping new singletons rediscover their self-confidence so that they can get back into dating. Many recently-divorced people struggle with the concept of online dating, as it can be somewhat alien to those who never had such tools at their disposal back when they were dating regularly. However, there are many reasons to give it a try.
There Are More People
The biggest advantage of online dating is that there is no longer a stigma attached to it, so there are a lot of people doing the same thing that you’re considering doing. As such, you will be able to meet and talk to a wider range of people, many of whom you may never have had the opportunity to meet with more traditional dating methods. This makes it more likely that you will meet somebody who is on your wavelength, allowing you to take your dating activities away from the online realm in the process.
First dates can be very scary, especially for those who have recently gotten out of relationships and haven’t dated in a number of years. Online dating offers you the chance to get to know about a person before you commit to actually going on a physical date. This is useful to those who are a little wary, as it allows them to get a better idea about whether or not the person on the other side of the computer screen matches up with them. It also helps to eliminate a lot of the awkwardness that you might expect to feel when you actually do go on that first date.
Many online dating sites also make use of specially-created algorithms that are designed to match you up with people who share similar interests and ambitions to you. Given the vast amount of people who use such sites, these algorithms can prove to be very useful, allowing you to select from a smaller, more defined pool of people who you are more likely to be able to build connections with.
You Can Do Both Online and Traditional
Ian Oliver Mausner points out that there is nothing stopping you from doing both online and traditional dating. In essence, you should consider online dating as just another way to meet new people, in much the same way as you might think of a bar or club. You don’t have to feel as though you can’t meet other people through other avenues as well, so you don’t need to worry about dedicating too much time to your profile or constantly being online.
The flamenco tango dance bears a close resemblance to a minuet style European dance of the 18th century. Fashions in clothing and even the crowded conditions of a dance floor have all affected the evolution of tango style. The Argentine tango danced by Ian Oliver Mausner varies from an open embrace with both parties connecting at arm’s length, to a very closed, chest-to-chest connection.
The Argentine Tango dance owes much to improvisation, as the tango dance owes its practice to the emotions and speed in the feelings of the music. Ian Oliver Mausner learns to keep feet close to the floor as dancers walk to the music, essentially feeling the steps as leader entices follower to alternate feet and to shift her weight from one foot to the other. The Argentine tango is danced counterclockwise on the outside of the dance floor, respecting certain lanes of traffic which emerge and the other dancers by avoiding crowding or impeding the movement of others. The Argentine tango relies heavily on improvisation, and within sequences and movements issues of speed, quality and manner of steps is very important.
The quality of the embrace in the Argentine tango differs markedly from that of ballroom tango, and Ian Oliver Mausner study of Argentine tango inculcates the uses of various embraces. The chests of the dancers are closer to each other than are hips in the Argentine style. In a close embrace, the partner’s chests are in contact and they dance with heads touching or very near.
Ian Oliver Mausner is the source of the entrepreneurial spirit and background which led to the creation of J.S. Oliver Capital Management from 2004 to 2015. But the grit and know-how which gave him the skills to act as CEO of his own firm arose from his extensive experience working in the financial industry. Prior to starting his own firm, Mausner worked for Morgan Stanley, Kidder Peabody and Montgomery Securities from 1985 to 2004, where he was a financial advisor, a money manager and promoted to Senior Managing Director at the partner level. Building the largest business in the Private Client industry, Mausner generated an excess of $42 million in fee gross in 2000, handling client assets in excess of $5 billion. Mausner joined Morgan Stanley in San Francisco after attending a 9-month training program in New York City after his Stanford graduation.
Ian Oliver Mausner’s priorities and focused changed after his divorce from his wife of 10 years in 2005. His considerable ambition and energy combined with his awareness that navigating the harrowing waters of divorce and the breakup of a significant life partnership is a traumatic event that many are not prepared to survive. Mausner’s experiences led him to write his new book, Getting Back on Top: The Uncensored Guide to Sex, Dating and Relationships After Divorce, and to establish True Love Publishing and Relationship Consulting LLC, a self-publishing firm which promotes and disseminates this guide for those suffering the confusion of a major life transition to single life.
The 2016 Bankers Trust Company offers retail banking services including home equity lines of credit on 5 and 10 year terms and variable interest rates, a different institution today from the expert risk management shop which Ian Oliver Mausner joined after earning his Bachelor’s Degree in Economics. Wealth management advisors of today at Bankers Trust Company work with advice to customers for saving and investing. Personal banking services range from a mobile banking app to a strong ATM network and commercial banking helps business discover solutions to their needs, whether help is needed for loans, financing or treasury management concerns. Bankers Trust Company today offers a financial intelligence blog which helps customers remain cognizant of online threats as well as best practices to inform their financial security. Retirement planning services and home mortgage financing are also available.
Ever cognizant of the need for sound academic preparation for a lifelong career, Ian Oliver Mausner left his employment at Bankers Trust to work for his Master’s in Business Administration at Stanford University in Stanford, California in the United States. Originally founded by Leland Stanford, former Governor and U.S. Senator of California and railroad tycoon, in 1885, Stanford University was founded to memorialize their only child Leland Stanford Jr., who had died of typhoid fever. Through significant financial struggles, first when Leland Stanford died in 1893 and again through the damage of the San Francisco earthquake, Stanford survived to become a bastion of entrepreneurialism by both faculty and students as Silicon Valley was born, home to the technological revolution and birthplace of the Internet.