Dr. William O’Donohue, Ph.D

Dr. William O’Donohue, Ph.D, Professor of Psychology at the University of Nevada, Reno and a licensed psychologist in the state of Nevada. This website provides information about his areas of specialization including child custody evaluations, child sexual abuse and adult sexual assault, and evidenced based psychotherapy. It also provides links to his books, publications and useful websites.

NEWS:

4/2009 — Dr. O’Donohue was appointed as advisor to the DSM-V Work Group on Sexual and Gender Identity Disorders of the American Psychiatric Association (2009).

1/2009 — Excellence in Psychological Injury and Law: Book Review of Motor Vehicle Collisions by Duckworth, Iezzi, and O’Donohue (2008)

Dr. William O’Donohue, Ph.D
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Retirement Tips To Build A Solid Nest Egg

There are many reasons why people do not plan for retirement. What are some basic things do you need to know about retirement?

Figure what your retirement needs and costs will be. Most Americans need around seventy percent of their current income just to cover basic necessities during their retirement years. Workers that don’t make too much as it is may need at least 90 percent.

Begin saving while you are young and keep on doing so. It does not matter if you can only save today. Your savings will grow over time. When your money is accruing interest, your money has the chance to grow to provide you with extra money later on.

Partial retirement may be the answer if you are ready to retire but don’t have a lot of money saved. This can mean working at your current job. You can transition into retirement at an easier pace. Examine this short fap turbo 2 review video for a simple tool that you may use to grow your retirement income.

Contribute to your 401k regularly and maximize the amount you match the employer. You can put away money is not taxed. If your employer happens to match your contribution, it is basically free money.

While you obviously want to save as much money as possible for retirement, thinking about the types of investments to make is also important. Diversify your portfolio and make sure that you do not put all your money in the same place. This will minimize your portfolio very strong.

Consider waiting two more years to take advantage of Social Security. This will help you ultimately receive. This is a particularly good idea if you can continue to work or use other retirement funds while you are waiting.

Rebalance your portfolio on a quarterly basis. If you do it too often you may be falling prey to an over-involvement in minor market swings. Doing this less often can make you to miss opportunities. Work with a professional to determine the right allocations for your money.

You may acquire unexpected bills at any time in life, and how will you pay for these things and a massive mortgage?

Many people think they can do everything they want once they retire. Time can slip away quickly as the years go by.

Learn about the pension plans offered by your employer offers. Learn all the ins and outs of programs that will help you with. See if any benefits can provide you with benefits. You may also be eligible for benefits from your wife or husband’s plan.

Downsizing is a great solution if you are retired and trying to stretch your income after retiring. Even though your home may be paid for, you still have the expenses that come with maintaining a big house such as electricity, repair, etc. Think about getting a small home or condo. This will save you quite a lot of money in the future.

What level of income can you have when you’re retired? Consider any pension plans and government benefits. Your finances can be more secure when more money is available. Consider whether there are other reliable income sources you could tap now that will contribute towards your retirement in the future.

Don’t touch your retirement savings no matter how difficult things get for you have retired. You may lose principal when you do this. There might also be withdrawal fees and loss of tax benefits. Use the money after you have retired.

Think about reverse mortgage. You won’t have to worry about paying it back; the loan becomes due on your death. This is excellent for adding extra reserves when needed.

Learn everything about Medicare will affect your health insurance before you retire. This will help you covered to the full extent.

Don’t count on Social Security for your bills. While it usually helps, many people find it hard to live on this income alone. Social Security benefits will typically give you less than half of what you are currently making; that generally isn’t enough.

Make sure to appoint a financial and health care Power of Attorney for your legal documents in order. This person will make medical decisions if you can’t. This will also help with your family.

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Get a part-time job to make extra money and feel productive.

Think about working a job when you retire. Many people don’t like to have a lot of free time that comes with retirement. They would enjoy having something to keep them occupied. A job may be the bill.

Be careful about the investment vehicles you make. Look at how the funds will be taxed upon deposit and their taxation so that you try not to pay taxes when withdrawing. Think about what kind of strategy is best for your habits and choose investments carefully using this information.

Know that marriage and also divorce will have an influence on your retirement. For example, should you divorce; you will have to handle retirement finances all alone. You may also have to split the cash you’ve saved instead of having it all to rely upon. Knowing how life events are going to work with your retirement can help you become prepared.

Remember to think through all of the events that will come up once you have to work through even after retiring. Are there going to be marriages in the offing? Are any upcoming special events likely to happen? Have you planned out and also paid for your funeral yet?

Did you consider your pets when developing your retirement plan? Pet insurance could help you may want to consider.

To save money, try walking during your retirement instead of driving. You will spend less on medical expenses down when you are healthy.

Reduce healthcare costs by staying healthy. This should begin way before you retire so you can keep your health up. Eat a well-balanced diet, and you will need less money for medical expenses when you retire.

Preparing for retirement is a manageable affair. All it takes is a little willpower and discipline. Return to these tips often to smooth the process.

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Multi-Level Marketing – What It Is And How You Can Succeed

Have you been thinking of different types of businesses to join and come across multi-level marketing as a possibility? Maybe you just want additional information before you make up your mind? No matter your reasons for being here, anyone can succeed with MLM if they have a good place to start. Keep reading for helpful MLM tips that will provide you with the tools necessary to succeed and watch these videos https://www.youtube.com/watch?v=sAJjjO_qKuU and https://www.youtube.com/watch?v=DIsn2KMAevw.

If you are looking to add people to your downline, you have to make sure to stay in touch with them once they get started. There are many people that put all of their energy into recruiting others then they abandon them once they sign up. You would make more money if you help them get on their feet.

Teach yourself multiple methods of marketing. To succeed at multi-level marketing, you need to become a student of a lot of different marketing tactics and styles. It’s important to know how to market as much face to face as it is behind a computer. You’ll use all these skills.

Be sure to begin your multilevel marketing adventure on the right foot. Choose a company that creates a high quality product or offers a valuable service at a fair price. You will have a lot more success if you represent an honest and worthwhile product or service. You will also feel better about yourself than you would offering a product or service that does not provide real value.

Consider new ways to market your product. There are tons of marketers out there selling lots of products. You’ve got to find a way to break through the clutter and be seen (and heard). Brainstorm on creative ways to showcase your product both online and in real life. This can make all the difference.

When starting out in the multilevel marketing business, it is vital that you hear what others are trying to tell you. There is a community of support out there, and you should immerse yourself in it. The idea is that one person’s success is something on which others can build. This means that you can rely on the others in your quest for success. By helping you succeed, they boost their own prospects.

Now that you read the above article about MLM, you are very aware of what to look out for when searching for a good business opportunity in this field. All it takes is some great tips, dedication to understanding this business, and you too can cash in on the lucrative MLM world. Remember these tips whenever you put this dream into reality.

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Get Rapid Weight Loss by Building Muscles


To lose excess weight, you have to eat quality beef. Check always the label to guarantee the meat and dairy which you drink doesn’t contain steroids. Browse The label. It’ll obviously state the product originates from cows, chickens, or turkeys not treated with hormones. When The name doesn’t state anything, then don’t purchase the item. Probably, it’s planning to cause you to bigger and heavier. It’s essential for you to understand that natural and synthetic hgh in beef production may damage human health and make you fatter. These would be the hgh that you’ll require to understand about progesterone, oestradiol, testosterone, zeranol, trenbolone, and melengestrol. I’m not suggesting that you simply stop eating meat. Protein is very good for weight reduction. You can also visit http://www.thelapbandcenter.com/, etc. for more help.

But, you ought to know that 80-percent of U.S. feedlot cows are injected with hormones that may negatively affect the body and lead to weight gain. you’ll need to eat protein, but I actually do not want you eating synthetic protein. If you want to avoid eating the meat or reducing meat to avoid steroids then use Bioneferin Protein bullets on a regular basis and eat beans, mushrooms, leafy vegetables, and nuts. You’ll notice instant weight reduction and prevent dangerous steroids.

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Need Help With Your Retirement? Here’s How To Do It.

This can be because of a lot of different factors. What things to learn about retirement?

Determine what your needs and expenses will need in retirement. It will cost you approximately three-quarters of their current salaries to retire well. Workers that have lower incomes should figure they need about 90 percent.

Don’t spend so much money on miscellaneous expenses. Keep a list of the things that you don’t need. Over the course of 30 years, these savings really add up.

Save early and watch your retirement age. It does not matter if you should save today. Your savings will exponentially grow as your income rises. When your money is accruing interest, your money has the chance to grow to provide you with extra money later on. The fapturbo is a wonderful tool that you may consider using to grow your monthly retirement income.

Contribute regularly and take full advantage of any employer match the employer. You can save greater amounts through this because the money before tax is taken off it when you invest in a 401k.If you have an employer willing to match contributions, they are basically giving you free money.

Your entire body will benefit from your efforts to stay fit. Work out often and have fun!

Examine what your existing savings plan for retirement. Sign up for plans like 401(k) and plan as soon as possible. Learn everything about your plan, when you will be vested in the plan, and the amount you need to contribute.

While saving as much as possible towards retirement is key, you also should be sure that you consider the kinds of investments that need to be made. Diversify your investment portfolio and make sure that you do not put all your money in one place. This will keep your risk.

Rebalance your retirement portfolio once a quarterly basis. If you do this more often you may be falling prey to an over-involvement in minor market swings. Doing this less frequently can cause you to miss opportunities. Work closely with someone that knows about investments so you can figure out where your money should go.

Retirement may be the perfect time to start that small business which you always wanted to try. Many people succeed later years by taking their lifelong hobby and creating small business at home from it. This situation is low in stress since the person who is retired doesn’t depend on this to succeed.

If you happen to be over 50, you can make “catch up” contributions to your IRA. Typically, there is a limit of $5,500 yearly limit on IRA savings. Once you reach 50, though, the limit increases to about $17,500. This is good for people that want to save back some.

When thinking about your retirement needs, plan on living the same lifestyle you do now. If you do, you can probably estimate your expenses at about 80 percent of what they currently are, since you won’t be going to work five days a week. Just take care that you do not to spend extra money while enjoying your free time.

Find some friends who are retired. This will help you to enjoy your retirement years more. You can hang out with your close friends. You all can also have a group of people around to support you when need be.

Don’t count on Social Security to cover your cost to live. Social Security benefits typically are not enough to live when you retire; the number is around 40 percent of what you make right now. Many people require 70-90 percent of your working income to comfortably retire.

Downsizing is a great if you’re retired but want to stretch your dollars. Even without a mortgage, it can be expensive to take care of a large home in terms of landscaping, electricity, etc. Think about moving into a small home that’s smaller. This saves quite a bit of money in the future.

Retirement can be a great for spending time to get to spend time with grandkids. Your children may need you to help them with childcare. Plan fun activities to spend time spent with your family. Try not to spend too much time childcare.

Have you thought about a reverse mortgage? You don’t pay it back; the money will be due from the estate after you’re passed away. This may be a fantastic way to get extra funds when you need it.

Avoid relying solely on Social Security to fund your retirement. Although that money will help, most people are not able to live on this limited income these days. Social Security benefits will fund approximately 40 percent of what you are currently making; that generally isn’t enough.

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Look for ways to make you some money. Spend the wintertime getting projects and sell them at your local flea markets in the summer.

Plan for retirement before you mean to retire. This is much more than just saving money. Look at your current spending habits and if you’re able to stay that way when you retire. Can you afford your mortgage? Are you going to be able to eat out as much?

Save 10 to 15 percent of your income for retirement. This is a solid foundation will ensure future stability. Increase it by 15% as soon as you feel confident about your willpower.

It can be challenging to fill every day after you retire, and getting new knowledge is something that can help you to feel like you’re spending your time well. Did you ever have a new activity? Retirement is the time to start learning.

Know that marriage and divorce affects your retirement savings. For example, a divorce will leave you as the person solely responsible for your own retirement. You may also have to give up half of having it all to rely upon. Knowing how life changes can affect retirement should help you be more prepared.

Now you see that saving for your retirement does not need to be as difficult as you might have thought. You must actively save, learn how to budget effectively and properly plan for retirement. These tips will help you get to where you need to be.

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Uses Of Research Chemicals

Chemicals are important in our daily lives. But inappropriate way of handling and storing chemicals can be quite dangerous.

Herbal medicine such as liquid zeolite, fish oil, and ellagic acid can be used to enhance different aspects in our lives and improve our well-being. Nowadays, the idea of using certain chemicals has turned out to be taboo due to the consequences on the mind they may be proven to have.

Many chemicals are included in drinks and foods for what exactly are basically drug like features. The use of guarana inside energy drinks, for illustration, is a well-known chemical additive accustomed to enhance the alertness and vitality levels of the drinker. While such drinks can be legal, they are not recommended for youth or pregnant women, and doctors advise against having a great deal of these kinds of cocktails, if at all. You can buy useful and effective psychedelic research chemicals online via usresearchchemicalsonline.com/.

Combined with the natural chemicals in your drinks, they are also naturally high in caffeine. This can be an additive which has grown to be incredibly commonplace. The simple truth is, of course, that drinking a great deal of coffee or energy cocktails will create a reaction system that is highly much like that given by speed or known toxic chemicals. The difference, of study course, lies in the watch our society has regarding such chemicals.

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The Cure for the Herpes Virus


Your immune system will determine whether you are susceptible to the herpes virus or not. People with strong immune systems are less likely to catch the herpes virus. The Herpes Virus is mutating with each person it infects. There are thousands of people who are in desperate need of a cure for the herpes virus.

You can get prescriptions for weight loss drugs. This can also be said if dieting is not working at all for you too. You must also be aware that prescription weight loss medicines don’t replace the need to make healthy changes to both your eating habits and activity level. These are two things that must be done by you and you alone. Doctor Oz is determining what the best way to chemically create this is.

Who is exactly the right kind of candidate for prescription weight loss drugs?

You can strengthen your immune system by balancing your diet and making it match your lifestyle. Diet is a large part of how strong your immune system is. There are case of people being purposely infected with the AIDS virus, but they did not incubate the virus. There will be a Cure for the Herpes Virus within the next few years, and people are relying on this.

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The Best Places To Find A Great Bargain On Music Amplifiers

I will describe some fundamental amplifier vocabulary and give some advice to assist you choose the best amplifier. There is a flood of different audio amps available which all differ in their specifications, shape and size. By following some easy suggestions, you will be able to pick the model that best meets your application and budget. There are models that are as large as half your living room whilst some of the latest mini amplifier types are as small as a bar of soap. There are various core amplifier technologies available. Solid-state amps now make up for the majority of audio amps. In the past, tube amps have been popular. Even today tube amplifiers are still available. An audio distortion of up to 10% is normal for tube amps whereas solid-state amps have less audio distortion depending on the specific technology. In the past, mostly “Class-A” and “Class-AB” amps were obtainable which are also called “analog amplifiers”. The remaining part is wasted as heat. Loudspeaker power handling ability is given as peak power and average power. High-sensitivity speakers are easier to drive to high volume than low-sensitivity speakers. Check your amplifier manual to ensure that your amp can drive your loudspeaker impedance. High-quality mini stereo amps will have a signal-to-noise ratio of at least 100 dB and a frequency response of at least 20 Hz to 20 kHz.

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Choosing What Shop To Buy Man Made Diamonds From

When referring to buying man made diamonds, there are not many things that are known at the moment. Unfortunately, so many individuals out there choose incorrectly. This happens as people from all around the world only now start to be interested in the industry. Not many know things about the diamonds and those that want to learn do not have access to a lot of information on the internet. When you want to choose what shop to buy from, it is easy to end up making an incorrect choice. You surely want to buy from a page like the following: http://www.nuediamonds.com/man-made-diamonds. Finding similar online shops is difficult and should be done gradually.

What you need to do is take a look at the web shops that currently sell man made diamonds. Look at the jewelry that you want to purchase and make a list of all those that you really like. After this, start looking for information about the manufacturer. If the manufacturer is not listed, you need to learn as much as you can about the company behind the site. If there are too many complaints associated with the site or with the manufacturer, you need to look somewhere else. It is as simple as that.

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Pros And Cons Of North West Weight Loss Center

The Northwest Weight Loss Surgery center may be the best and only solution for those who are drastically obese and fat. These people cannot lose the weight by doing a normal or general physical exercise routine. They must go for surgery in order to correct their body system.

Northwest Weight Loss Surgery is located in South Everett, Washington. The Northwest Weight Loss Surgery Center’s most famous treatment is the lap band surgery. This entails the use of laparoscopic techniques, wherein a tiny incision is made in your stomach. For the instant weight loss, you can look for the quick weight loss centers.

Pros:

The lap band treatment gives people, who suffer from obesity, a solution to curb their food intake. People who are obese have a tough time to lose those unbearable pounds, thus they are required or at least prescribed to undergo this procedure. This will help them to eliminate their diet and lessen their food consumption. Due to the lap band ring, they will immediately feel that they have eaten much.
Another advantage to undergo this surgery is that it is reversible and it is adjustable too. If you feel that the treatment is not effective, you can ask your doctor to eliminate the ring. Lastly, it is also slightly invasive.

Cons:

No matter how minimally invasive this treatment is and is said to be effective, it still involves some risks and disadvantages for those who undergo this treatment. If your body does not respond well to the surgery, it may cause you infections and complications. If the ring is not positioned properly, it may cause you to bleed internally, thus, causing you more harm and damage than good.

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Why Opportunities Will Abound If You Invest In SEO


Arming your young business with the best investments will help give it a head start. Amid stronger, bigger companies, you may feel threatened and exposed. Reliable tools and allies are what you can count on to keep you in the game. Maximize your resources and explore different options. Grab the opportunities that will come your way. Take calculated risks.
Experts say that investing on the development of an efficient website is one of the best moves you can make early on in the game. This will be the perfect tool for letting more people know about the products and services you have to offer. You can partner with a reliable search engine optimization (SEO) company to make your site more visible online. Reports say that raising your page rank will influence links leading to your site to appear earlier and more frequently in search result lists. This will help bring in more traffic and may expose you to opportunities for client base development, market share growth and target market reach expansion.
You will learn more online about the benefits of having the best seo company as an ally. Your young business will surely benefit from such an innovative and efficient approach to marketing and promotions.

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