I save 15% of my salary each year in my 401(k), my company matches another 4.5% and I contribute the max to a Roth IRA. Am I doing enough to safely retire? — Dave K., Jacksonville Beach, Fla.
If you continue at the rate you’re saving, it’s hard to imagine you’ll come up short at retirement time. After all, you’re socking away money at more than double the rate of most 401(k) participants, plus you’re funding that Roth IRA.
But as important as diligent saving is, your savings rate alone can’t tell you whether you’re on track for a secure retirement. To know for sure, you’ve got to undertake a more comprehensive review of your retirement planning efforts.
You can do that by performing what I call my annual New Year’s Retirement-Planning Checkup. It consists of just three simple steps:
1. Figure the odds. There are so many unknowns and potential detours along the road to retirement — market setbacks, spates of unemployment, emergencies that drain savings — that you can never say that a secure retirement is a given.
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Occupational therapists have incredible job security. They make about $75,000 a year and help people lead their daily lives in the process.
The CEO of tech company, Rackspace, feels that advanced degrees aren’t worth going into hundreds of thousands of dollars of debt for.
Don’t let credit card debt accrued over the holiday season linger by using a few key tips to help pay down your balance.
As we launch into 2013 there are undoubtedly a number of people compiling their list of goals to accomplish. For many in our society this list of goals will include the search for love and desire for a healthy relationship. Let’s be honest, most people desire to have someone ‘special’ to spend their lives with so they don’t grow old alone. For others, 2013 will include the desire to improve their financial lives. Who doesn’t want to increase their monthly income while reducing their overall debt? Your love and money goals ARE attainable if you put the proper plan in place to begin your 2013 journey. Consider the following as you develop your Love & Money Plan for 2013:
- Figure Out Who YOU Really Are – Until you figure out who you really are, you’ll waste your life away trying to please and live up to the expectations of others. It’s a lot easier being who you really are instead of playing the charade of who someone else wants you to be.
- Surround Yourself with Good People – It’s often said that birds of a feather flock together. Surround yourself with people who have experienced love & demonstrate healthy marriages. You’re more likely to remain in the same situation by hanging out with the same bitter, unhappy people you were connected to in 2012. Be willing to let some people go! Remember, good people are generally associated with other good people, which may lead to a potential love connection.
- Be Willing to Take Chances – There are some things you will not be able to truly determine until you make a decision and take a chance. You may miss out on the love of your life by overanalyzing whether or not he/she meets ALL of the items on your list. Fortunately, true love has the ability to trump many of the items on your list.
- Know Where You Stand – It’s hard to assess what steps you need to take when you don’t know where you currently stand. Start by documenting your current income, expenses, savings & investments. Knowing these items will give you a great starting point for developing your plan.
- Set Measurable Goals – Decide what you would like to accomplish. The most common financial goals are increasing personal savings, paying off debt or investing for retirement. Don’t hesitate to consult a professional if you need assistance in any of these areas.
- Don’t Give Up – Life is continuously filled with uncertainties. You can never predict when a car will break down, the furnace will go out or another unexpected expense will arise. However, no matter what happens in 2013…STICK TO THE PLAN AND DON’T GIVE UP!
Although I can’t guarantee that you’ll find the love of your life in 2013. I can guarantee you’ll increase the pool of qualified candidates by following the tips mentioned above. Also, take comfort in knowing you’ll be in a better financial position by following the tips listed above and staying the course.
Every married person knows to be faithful, stay truthful and be there for her partner through good times and bad–they’re in the wedding vows, after all. But most seasoned couples would admit that some unspoken rules are vital for getting past rough patches and growing stronger as a couple. Here, experts share 10 of the less apparent (but just as important) marriage rules to live by.
1. Don’t criticize your partner’s parents or friends. You know how it is-your family can tick you off but no one else had dare speak ill of them. That’s why you should tread carefully with your in-laws and your husband’s dearest friends. “Even when he’s venting to you, your contributions can put him on the defensive,” explains LeslieBeth Wish, EdD, a Florida-based psychologist and licensed clinical social worker. “When you take position A, you prompt your partner to take position B.” Instead, says Dr. Wish, put yourself in his position so that you can empathize with him.
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