SmartWealth is a coaching and training organization that teaches people how to retire safely by in- vesting wisely.

The key to financial security and success, according to Jeffrey D. Sokol, the founder of SmartWealth who predicted the current market collapse, is locking in stock market gains, without risking the client's money in the market, a proposition that many people find risky even at the best of times.

"Investing in the stock market directly with 401(k)s and mutual funds has proven to be a massive risk to the retirement accounts of millions. There is a simple way to lock in stock market gains, without having to suffer losses," says Sokol.

"Our methods are proven and efficient ... the wealthiest billionaires in the world have the same rule book you do, they just had a better coach."

Mr. Sokol is also the author of two books, "Get in the Game" and "Smart Wealth Secrets," that focus on investing.

Many financial advisors push clients to load up 401K accounts as a retirement strategy, but such accounts are more susceptible to the ups and downs of the stock market, Sokol says.

However, there are other options: SmartWealth offers a range of online training courses developed by industry experts that are designed to increase income and boost financial confidence. Courses include the SmartWealth series, which focuses on actions to keep and grow your retirement savings; and the Daily Passive Income Video series, which features sys- tematic strategies for asset creation.

"Our goal is to provide a safe haven for investors and have them retire with 300 percent more in- come than they would if they invested conventionally," Sokol explains.

For those looking to obtain funding to start or expand a busi- ness, the SmartWealth OPM (Oth- er People's Money) online acade- my, addresses topics of obtaining funds for a business, expanding your business, and even repairing a damaged credit score.

Finally, to help get your head into a new way of investing, check out SmartWealth's Get in the Game Mindset Mastery video course and book, which are geared to get people comfortable with generating passive cash flow?rather than being concerned over a single asset. In addition, SmartWealth offers personalized retirement planning services through its companion company, Beneshield Financial. In addition to retirement solutions, Beneshield Financial also provides consulting for life insurance, health care coverage, and small business startup funding.

Visit beneshieldfinancial.com to find out more.

For more information about SmartWealth's fresh take on smart money management, as well as the latest financial wisdom from the SmartWealth podcast, visit smartwealth.co.

You can support a healthy immune system by eating well, getting plenty of sleep, and exercising. Supplements with vitamins that support the immune system, such as vitamin D, may help, too. Sunlight remains a key source of vitamin D, but supplements may be increasingly beneficial as people are less able to get outside. This is especially true for those who live in the northern hemisphere.

Vitamin D has the science to back up its potential as an immune- system support. In 2017, the British Medical Journal published a meta-analysis of 25 studies in which vitamin D showed the potential to protect against acute respiratory tract infections, especially among individuals who were also deficient in vitamin D.

In addition, Dr. Tom Frieden, former director of the Centers for Disease Control and Prevention, said in an interview with Fox News in March that taking a multivitamin containing vitamin D or a vitamin D supplement was good practice for overall health, and it certainly couldn't hurt when it comes to helping to boost immune resistance to infection.

However, not all vitamin D supplements are created equal. A vitamin D supplement must be easily absorbed by the body in order to provide much value. Many vitamin D supplements offer poorly absorbed forms of vitamin D in doses far too low to replenish a vitamin D deficit, much less offer therapeutic benefits for the immune system.

It's best to choose a supplement that includes vitamin D3, which is the most easily absorbed form of vitamin D, as well as Vitamin K2, such as the supplement produced by Lively Vitamin Co. Their product, Solar Power, combines vitamins D3 and K2 to provide the body with maximum therapeutic value. This combination improves total absorption rates and utilization in the body.

A blend of these two vitamins is engineered to help promote a healthy immune system and cardiovascular health. But the benefits don't stop there. Vitamin D3 supplements like Solar Power can also help the body absorb calcium and build stronger bones to help prevent osteoporosis. Vitamin D even plays a role in regulating mood and helping to reduce seasonal depression.

However, be sure to check for possible drug interactions with any prescription medications you are taking before you take vitamin D or other supplements.

For more information about vitamin D and other ways to improve your health and boost your immunity, visit findyourhealthyplace.com.

Money concerns can lead to many issues, including, but not limited to, relationship strain, health problems, and even depression. Some of the most common debts are credit cards, student loans, auto loans, mortgages, and medical debt. Assessing your financial situation is important, and while it may not always be pleasant, it can give you a good starting point for paying off your debt and improving your quality of life.

While it is ideal to be completely debt-free, it is important to be aware that there are good debts and bad debts.

Good debts are debts that can potentially increase your net worth and benefit you in the long run.

Mortgages are a great example. As you pay down your mortgage, there comes a time when your home is worth more than you owe. This allows you to sell your home for a profit or even refinance your home at a lower interest rate, which could potentially save you a great deal of money in the long run.

"Bad debt" is money owed that will not improve your net worth. Credit card debt, new car loans, debt for jewelry, or installment-based payment plans for goods are all examples of bad debt.

Many people struggle with bad debt. So what do you do if you are one of them?

The first step is to take a step back and breathe. There are legitimate solutions to your money problems. It may be difficult, but it will be worth it once your bad debt is gone forever.

Now that you know there are solutions out there, the next step is to assess your situation.

Family Credit Management is a non-profit credit counseling agency that has great, free, tools that you can use to help assess your situation.

The "How Serious is my Debt" quiz, at www.familycredit.org/how-serious-is-my-debt, can help you assess your situation from an objective point of view.

The certified credit counselors at Family Credit Management will be able to analyze the results of the quiz and help you come up with a plan of attack, even if the debt management program would not be the right fit for your situation.

You can find additional resources, such as a personal finance course, savings tips, a personal spending plan outline, and even a children's book created to help talk to your children about finances, at www.familycredit.org/resources.

Even if you have not yet been financially impacted by the current state of events, it is vital to either reassess your household budget or create one if you have not already. Involve your family in this as much as you can. Just letting your family know you are thinking about the crisis and how you will respond can be enough to help ease some of the anxiety around the unknown. When you are looking at your crisis budget, identify which expenses are absolutely necessary and which are not. It is best to make the hard decisions now, even if you have a savings account built up, rather than wait until you are forced to make those decisions.

Focus on your rent or mortgage first. You need to keep a roof over your head if at all possible. With a situation as fluid as this, it is important to realize that there are resources available to help if needed and that those resources could change. If you are ever in a situation in which you are unable to pay your rent or mortgage, contact your landlord or mortgage provider right away. Once you have the rent and mortgage covered, then move on to food, utilities, and down on to the more non-essential items.

In the event you are unable to make a debt payment, make sure you contact the creditor as soon as you know you will miss the payment. During this difficult time, many creditors are expanding the options available to those unable to make their monthly payments.

If you feel lost when it comes to making a budget, as many do, please reach out to a Certified Credit Counselor at Family Credit Management. Family Credit Management is a nonprofit credit counseling agency that has been helping consumers in difficult financial situations for more than 23 years. Reach out for a no-strings attached budget review from an objective professional by calling 1-800-994-3328 and selecting option 1.

For more in-depth tips and resources, please visit www.familycredit.org/covid19.

Practically overnight, businesses have been forced out of the comfort zone of face-to-face contact, now having to heavily rely on digital platforms. Businesses, especially, are struggling with figuring out how to survive by using digital communication techniques.

With the Centers for Disease Control and Prevention (CDC) and government officials emphasizing "social distancing and mandatory nonessential business closures," technology such as live video conferencing, chat boxes, and email will be the basis for millions of Americans for their jobs, schooling, and everyday communication. So, with so many players in the game, how can businesses continue to function successfully?

Higher Images, a 20-year-old full-service digital marketing agency located in Pittsburgh, Pennsylvania, is helping organizations, businesses, and the community re-imagine what their lives and work-life will look like through web-based technology and mobile devices.

President and CEO of Higher Images, Bryan Thornberg, says, "Rather than going into crisis mode, businesses should take this as an opportunity to expand their knowledge and reach. With many more people relying on digital communication, this is an ideal opportunity for businesses to break boundaries and try new techniques when connecting with clients."

Thornberg and his team want to help people not just survive this crisis but to thrive during it and come out with an organization and business model stronger than ever.

Thornberg has already been able to impact his clients by thinking outside the box and recommending the usage of technology such as live feeds and Facetime.

For example, a hot tub distributor - a business that relies on their retail location for sales - took the recommendation of Thornberg and is now offering live video conferencing for customers to do live demonstrations of products and make purchases.

Higher Images also urges businesses to utilize their existing websites to drive business: for example, adding a chat-box function to their website for customer communication, allowing organizations to respond to clients in real-time from the convenience of a cell phone or office computer from any location in the world.

With higher internet traffic, this is also a key time for organizations to utilize search engine marketing, Google ads, and mobile in-app advertising technology such as Webtracker, which geo-fences homes to enhance brand visibility. Strategizing with a digital marketing company like Higher Images will provide businesses with the tools they need to succeed.

Visit www.howcanmybusinesssurvivethecoronavirus.com for more information.

(NewsUSA) - During times of change, many of us find comfort in simple pleasures. Like a great burger.

Yet, some of those simple pleasures have been compromised by the dramatic changes caused by COVID-19, including the disruption of the animal meat industry. Meat plants are closing, causing meat to be harder to find and its prices to rise. Some grocers are limiting the amount of meat shoppers can buy to curb pantry loading.

I know these issues will be resolved as the pandemic subsides. The animal meat industry will recover, and supply chains will be restored. But right now, you may be asking: What do I do without meat?

Now is the time to try plant-based protein. Made from simple ingredients you know, Lightlife plant-based meat is as nutritious as it is delicious. And you can find the products in your grocer's meat case.

To be clear, I'm not against the animal meat industry. I believe we're all trying to solve the same complex challenge: how to feed Americans during this pandemic. But I do believe no diet should be entirely dependent on animal meat. That's why Lightlife is committed to delivering plant-based protein throughout the country to ensure as many people as possible have access to the food they need.

At Lightlife, we're not asking you to give up animal meat. If you want to eat meat, eat meat. But we believe you should also eat plants: whole plants and plant-based protein. That's why we strive to bring more high-protein options to your table. Fortunately, the trend toward eating more plant-based protein began well before COVID-19, driven by a desire for more balance and variety in our diets, as evidenced by the fact that 44 percent?of Americans now describe themselves as flexitarian.

In fact, Lightlife sales were up significantly in the first quarter of 2020. And longer term, the plant-based meat category is expected to grow exponentially, with the Good Food Institute predicting a threefold increase in the number of American households regularly purchasing plant-based protein1.

The reality is it takes a little more work these days to make a good burger, even the ones we make with simple ingredients. I want you to know that we're committed to your dinner table. And your lunch table. And if you want a burger for breakfast, your breakfast table, too.

I am so proud of our production teams working around the clock to ensure our products are available at your local grocer. To ensure their health and safety, we have taken additional steps including social distancing wherever possible, daily temperature checks and health screenings, face coverings, increased sanitation efforts, and staggered breaks and start times to reduce the potential for congestion. This is in addition to the sanitation procedures our team is already accustomed to, and the variety of Personal Protective Equipment (PPE) we routinely wear.

This is all part of our dedication to getting high-quality, plant-based protein to your tables. Because whether your burger is made from ground beef or plant-based ingredients, a good burger is something we can all agree on. And I believe that together, we will celebrate that simple pleasure once again.

1 The Food Industry Association and IRI. (2020) Understanding the plant-based food consumer.