Your retirement is probably going to look a lot different from your grandfather’s. We’re living longer and staying active longer too. There are new expenses to plan for and new time horizons to consider. Here are the new rules you should include in your retirement planning.
Plan for a Longer Retirement
Even though many Americans are working longer, with many working into their 70s, lifespans in retirement have grown. Previous generations planned for a 10-20-year retirement, if they planned to retire at all. However, the average lifespan is now hovering around 85, which means you need to be planning for at least 20 years of retired life. If you are active and have a strong social life, consider planning for 30 years. Fixed deferred annuities are a great addition to your investment portfolio to help you plan for a longer retirement.
Expect To Work Longer
If you haven’t been as diligent about saving for retirement, you should think about working past the retirement age of 65. A few more years of work can help to prevent yourself from running out of money in retirement. You don’t have to work full-time. Working part-time for just 5 more years can significantly improve your retirement finances. Plus, working helps to keep your brain young and engaged, so you’ll head into retirement mentally and physically fit.
Use Technology To Help
Thanks to the internet, you have a ton of retirement resources at your fingertips. Use online financial planning tools such as retirement calculators and social security calculators to get an accurate assessment of your retirement readiness without spending money on a financial advisor. You can also improve your investing returns with robo-advisors for a fraction of the cost of a typical broker.
Planning for retirement should be an exciting part of your life. Consider these new rules of retirement to rock your retired life.
After you have taken your gun safety and concealed weapons courses and received your concealed carry permit, it is time to choose your weapon and holster. As a permit holder, you will have to get used to carrying your firearm every day. You want to get to the point where you put it on like another piece of clothing in the morning. To make sure it is comfortable enough that you carry it every day, consider the following factors.
Your waist size, armpit-to-hip distance, hand size, hip width and physical strength will all affect how and where you carry your firearm. For example, women generally have smaller hands, wider hips and less distance between their armpits and hips. Therefore, using a shoulder or waist holster may be uncomfortable, especially if they spend much of the day sitting. However concealed carry ankle holsters might work well for a backup weapon if they wear loose-legged pants because it can be tightened to hug the ankle and calf so it does not move.
Not only does the holster have to fit the wearer, but it must fit the weapon. The trigger guard should be completely covered, and the firearm should fit snugly into the holster. Your gun should not move or slide around when it is holstered. Don’t be tempted to purchase a more one-size-fits-several holster with a safety strap just to save money. Choose a holster that is made for your weapon.
You should be able to draw your weapon quickly with either hand. Your holster should allow you to get a solid grip on your handgun prior to drawing it out of the holster. Then, your holster should be rigid enough that it stays open even after you draw so it can be re-holstered easily. You should be able to draw in multiple positions, such as sitting, standing and running, as well.
Don’t settle for the most common carry method or an inexpensive one-size holster. Choose a safe holster made from high-quality materials that can be completely hidden, and consider purchasing and practicing with multiple holsters.
As an adult, you likely have a lot of bills that you are responsible for. It can be difficult to keep up with them all; after all, some may be due monthly, some yearly and some quarterly. To prevent missed payments, consider these easy tips for keeping up with your bills. An organized system will help you feel at ease about making payments on time.
Put a Calendar in a Prominent Location
You can use a calendar that clearly labels when bills are due. For example, if your bill to your water company in MD is due on the 15th of each month, make yourself a note on that day. Be sure to check your calendar periodically, and put a check mark beside the reminder every time you make the payment.
Sign Up for Automatic Draft
Automatic draft can be great for some households when managing bill payments. It means that you will never have to worry about mailing out a bill, and your payments will always be on time. It is important to make sure that you keep enough money in your accounts to cover your bills at all times, though. The last thing you want is costly overdraft fees.
Go Through the Mail Often
If you do not have your bills on automatic draft and prefer to go the old school way of paying through the mail, then make sure you check the mail often enough. Do not let a stack of mail pile up on your coffee table that you never go through. You can easily miss a payment if you are not diligent about sorting through your mail.
Keeping these practical tips in mind is a good way to make sure you are not late on any more payments. Resolve today to organize your monthly bill payment process.
Many people remember to use sunscreen when they go to the beach for the day. However, they may not realize that the sun can have harmful effects anywhere, and precautions should be taken all year long.
1. Cover Up Skin and Eyes
One of the best ways to protect against the sun is by covering up the skin and eyes. Even on cloudy days damaging rays can reach the surface of the earth, so it is a good idea to make applying sunscreen before leaving the house a daily habit. Wear sunglasses, lip balm or make-up that has a high sun protection factor. Long-sleeved shirts and long pants made from tightly woven fabric and are dark colors are good at blocking out the sun. Hats, especially with wide brims, can protect the face and neck.
2. Get Car Windows Tinted
Many people spend time in their vehicles during commutes to and from work or school. Even with the windows closed, people may not be completely protected. Check out places that specialize in window protection Ocala FL to further reduce sun exposure. The laws regarding window tinting vary by region, so be sure to check into the local laws and regulations before getting any work done.
3. Pay Attention To Medication Side Effects
Certain medications may make the skin more sensitive to sun exposure. Talk to a doctor about any side effects of prescribed medications before taking anything. It is a good idea to read the label on the bottle and talk to the pharmacist to verify the information when the prescription is getting filled.
It is possible to enjoy a warm, sunny day and live a normal life while also being protected against any harmful effects. With a few simple changes to a daily routine, people can continue to do what they have always done without a problem.
Many people dream about owning their own restaurant. It can be an incredibly rewarding experience that allows the owner to create jobs in the community, get to know regular customers and provide delicious meals. Before that can happen, extensive planning needs to be done.
1. Create a Business Plan
One of the most important things anyone who is considering opening a business can do is create a business plan. It should contain as much information about how each department in the company will be run, an evaluation of the competition and a financial forecast. It is a necessary document, as getting funding from banks and investors is difficult for new enterprises, and nearly impossible without a solid plan. It can be tricky to do alone, so talk to someone who specializes in restaurant financial accounting Houston TX for assistance.
2. Choose a Location
The location of a restaurant can often determine its success. Finding a location on a busy road is much better than trying to convince customers to go out of their way to have a bite to eat. Some places will be more expensive than others, so try to find an area that fits within the established budget, while also being in a convenient location for customers
3. Select a Demographic
It is also a good idea to pay attention to the neighborhood the establishment will be in. An area that is made up of predominantly college students will have different dining expectations than one that has a high population of senior citizens. Remember that no restaurant will be able to attract every type of person. Select a specific group and figure out how to cater to their needs.
As with any business, opening up a restaurant comes with certain risks. There are no guarantees that things will go exactly as planned, but proper preparation beforehand can help minimize the likelihood of things going wrong.
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