April 22, 2022
Mohenjo
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During your working years, your largest income stream is generally from employment. When you retire, however, your income will likely need to come from a variety of sources, such as retirement accounts, after-tax investments, Social Security, pensions, or even continued part-time work. For those looking to create a retirement income stream, there are a variety of strategies available depending upon your specific income needs and lifetime goals. Two simple retirement income strategies include the total return approach and the bucket approach.
Total Return Approach to Retirement Income
The total return approach is probably the best-known strategy. With this approach, assets are invested with a focus on diversification, using a portfolio of investments with a varied potential for growth, stability, and liquidity, based on your time horizon, risk tolerance, and need for current and future income. There are three defined stages within this approach, which are contingent upon how near you are to retirement:
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Accumulation phase: During peak earnings years, the objective is to increase total portfolio value through long-term investments that offer growth potential.
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Pre-retirement phase: As you approach retirement this should include a gradual move toward a more balanced growth and income-based portfolio, with an increased allocation toward stable and liquid assets as a means of preserving your earnings.
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Retirement phase: Once retired, maximizing tax-efficient income while protecting against principal decline may result in a portfolio heavily weighted toward income-producing liquid assets.
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April 22, 2022
Mohenjo
Business, Food For Thought, Human Interest, Medical, Political, Science, Technical
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Many Americans eagerly look forward to a time when they can stop working and officially set their status to “retired.”
But when asked what age they anticipate that could be, there isn’t a consensus.
The average age when people say they hope to retire is 62, according to one survey.
That is also the age at which people can first claim Social Security retirement benefits, so long as they are eligible based on their work records.
However, people receive reduced benefits for claiming early. If they wait until full retirement age to claim — generally 66 or 67, depending on when they were born — they receive the full benefits which they have earned. If they wait until age 70, they stand to get an 8% per year benefit increase over their full retirement age.
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April 22, 2022
Mohenjo
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April 22, 2022
Mohenjo
Business, Enthralling, Food For Thought, Human Interest, Science, Technical
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The annual Lyrid meteor shower has been putting on a dazzling display for 2,700 years, and another impressive show is about to unfold in the night sky.
Seeing a shooting star dash across the night sky can be a breathtaking sight, and later this week, a flurry of meteors will give people plenty of opportunities to spot these celestial fireworks.
The Lyrid meteor shower peaks on Thursday night into Friday morning. This is one of the oldest meteor showers in history with records of the Lyrids going back 2,700 years, according to EarthSky.
Spending time outside to view the Lyrids can be a great early Earth Day festivity for people of all ages before the annual event on Friday. Nearby parks that are open after sunset can be great spots for stargazing as they tend to have less light pollution than from a neighborhood where there are many sources of light.
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After a three-month hiatus, shooting stars will finally return to the night sky on April 21-22, during the peak of the Lyrid meteor shower.
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April 21, 2022
Mohenjo
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I don’t think anyone really enjoys filling up the gas tank. It feels like you are just standing around when you could be getting somewhere. If you get gas on your hands or shoes, you smell like it all day. And on top of all this, you actually have to pay for it. With gas prices over $4 a gallon (up to $6 in some states), we are all too painfully aware that gas isn’t cheap.
Of course, there are many things you can do to spend less at the pump. The US Department of Energy has some tips to help you save fuel, which include removing roof cargo and the extra stuff in your trunk, using cruise control, and even turning off your engine while waiting in the drive-through line. You could also reduce how much you drive by carpooling or working from home. Finally—and this is the important one—you could just drive slower. Every car gets better gas mileage at 50 miles per hour than at 70.
But that gives us an interesting problem to solve: What commuting speed saves you the most money?
Here is the dilemma: If you drive fast, it takes more gas, which costs more money. If you drive slower, it takes less gas, so you will save money. But you will also sacrifice time—time you could spend on the clock at work, earning money. There should be some optimal driving speed at which the total cost (gasoline plus missed work) is minimized. This minimum cost will depend on the fuel efficiency of your car and how much you earn per hour.
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Photograph: Joshua Beaven/Getty Images
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April 21, 2022
Mohenjo
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April 20, 2022
Mohenjo
Business, Finance, Food For Thought, Human Interest, Science, Technical
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By the end of the decade, about 21% of the country’s population will be 65 or older, up from 15% in 2016, according to forecasts by the Census Bureau. Most non-retired adults have some type of retirement savings, but only 36% think their savings are on track.
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Now, Congress is looking to help Americans save by bolstering 401(k) programs — the tax-deferred, company-sponsored retirement accounts to which employees can contribute income, and employers can match their contributions.
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A new bill, expected to reach President Joe Biden’s desk by the end of the year, could require most employer-sponsored retirement plans to enroll their workers automatically, making it easier for student-loan borrowers to save, and for older workers to make catch-up contributions. It will also lower costs for smaller businesses.
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Should I invest if I have debt? A financial coach shares her advice
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April 20, 2022
Mohenjo
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When asked about the source of his genius, Albert Einstein had no doubts. “I believe in intuitions and inspirations. I sometimes feel that I am right. I do not know that I am,” he told the Saturday Evening Post in 1929. It was much better to trust those instincts and test them later than to dismiss them out of hand, he said.
The physicist was by no means alone in this philosophy. It was also, apparently, a big part of Coco Chanel’s strategy. “Fashion is in the air, born upon the wind. One intuits it,” she said.
You may recognize the sensation yourself. Whether you are looking at a new apartment, considering a possible new job, or judging someone’s honesty, you may have an ineffable hunch when something is right or wrong – without being able to articulate the reasons for your judgment.
It can be tempting to view our gut instincts as a kind of mysterious ‘sixth sense, but there is no need to appeal to the paranormal to explain intuition. In the past two decades, psychologists and neuroscientists have made enormous strides in identifying the sources of our gut instincts, and their essential role in our lives. Along the way, their research has identified the specific situations in which our intuition is likely to lead us down the right path, and the times that it leads us astray – knowledge that can help us all to make better decisions.
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April 20, 2022
Mohenjo
Crime, Food For Thought, Human Interest, Medical, missed News, Political, Science, Technical
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April 19, 2022
Mohenjo
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