If you make your living providing financial planning services for people, it is possible that your professional—and well-intentioned—advice cost your clients hundreds of thousands if not millions of dollars last year.  With many investment strategies down anywhere from 30% to 60% as the global economic crisis unfolds, financial professionals everywhere are questioning the validity of their approach.
Of course, one might argue that these people weren’t to blame for the economic morass that we’re in, but your clients may not see it that way.  They, in good faith, entrusted professional advisors with their hard-earned dollars, with the expectation that they would receive help and advice to preserve their wealth, and build more.  When the opposite happened, who else could they blame?
The reality of course is that just about everybody got caught flat-footed when it came to the true severity of the current financial problem.  As this meltdown has shown, it’s highly questionable if the traditional diversified approach for wealth building strategies and wealth preservation—all based on financial instruments tied to the global economy—will work in the future. Also, it’s interesting that despite the efforts of the financial planning community, less than 3% of the population has a written financial plan.  Clearly it is time for financial professionals to rethink how they provide advice and services to their clients.  And it’s time for those clients to rethink what services and advice they really need and how they will obtain them.
The better approach should be for financial planners to help people help themselves.  The solution is Financial Planning 2.0, a financial education vehicle that has no product bias or agenda vis a vis the typical conflict of interest and that is not designed to steer a prospect to products or services that make the advisor the most money. Financial Planning 2.0 provides people with the financial  education that will teach them how to arrive at objective strategies to help overcome financial obstacles and reach their future financial goals by themselves.

Now that cold weather is blowing through, winter is definitely here. While even warm weather aficionados can find some things about the cold they like (hot chocolate, roaring fires, an excuse to stay inside and binge watch), it’s equally true that even cold weather fans can find drawbacks. And for men, that includes getting a red manhood from freezing temperatures and bitter icy winds. Finding ways to keep the member sufficiently warm during these winter months is part of good male organ care.
Red manhood
Now, there’s usually nothing wrong with a red manhood. Men who are fair-skinned tend to get a red manhood when it becomes firm, as the blood rushing into the engorged member causes a change in coloration. But sometimes a red manhood can signal a problem, such as being far too cold.
Anyone who has ever jumped into a pool of cold water has witnessed a cold red manhood � and one that is usually shriveled. But when the male organ is exposed to extreme cold temperatures for a prolonged time, it may actually get a little swollen and can experience extreme pain.
In some severe cases, a red manhood may be an indication of frostbite (or frostnip, an early stage condition of frostbite). Frostbite is accompanied by a numbness (lack of feeling or deadened feeling), swelling, blistering and fever, although not all men may experience all of these symptoms. If a man suspects he has a frostbitten member or other body part, he should seek medical attention. Severe frostbite can destroy tissue and in extreme cases may lead to amputation.
Keeping warm
To help fight that winter cold, there are several ways to keep the manhood warm during the winter.
�Don’t go commando. First and foremost, men who habitually walk around without underwear should suspend that habit when venturing out into winter weather. The cold weather can be too dangerous to male organ health, no matter how nice the feeling of freedom may be.
�Stand in front of a fire. Spending a few minutes in front of a fireplace can help warm up a member so it withstands the cold better during its first minutes outside.
�Give the member a rub. Similarly, taking a couple of minutes to rub and massage the manhood before tackling the cold can be beneficial. This will get the blood circulating and help deflect the initial cold.
�Tuck it in. If he is only going to be outside for a few minutes, a guy can try tucking his manhood between his legs for extra warmth. However, since it will pop out relatively quickly, this is a very short term solution.
�Layer up. Doubling up on underwear is strongly advised. Just as a guy may wear a shirt, sweater and coat to combat the cold, so should he consider wearing more than one pair of underwear. The bottom layer should be tight briefs, an athletic supporter or compression shorts, each of which will fit the male organ more snugly.
�Go thermal. It can also help to wear thermal underwear, which may add an extra layer of warmth to the region.
�Investigate wind briefs. Many runners wear wind briefs, specially designed underwear with an extra layer of protection in the midsection.
�Wear a member warmer. A man can invest in an actual knitted member warmer � or simply wear a (clean) sock over the organ when temperatures get frosty.
Taking steps to prevent a red manhood due to cold weather pays off. So does taking steps to ensure overall male organ health, such as regularly applying a top drawer male organ health crme (health professionals recommend Man1 Man Oil, which is clinically proven mild and safe for skin). For best results, a guy should select a crme that is going to �cover all the bases� by including the major vitamins necessary for member health promotion � A, B5, C, D and E. In addition, the crme should include L-arginine, an amino acid which helps manhood blood vessels expand so they can accommodate a greater flow of blood.