#Retirement Savings Plan

[squaredawayblog]

Most workers and retirees do not hire a financial adviser and feel insecure about how they’re managing their money. 

[omega-insurance-brokers]

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[coochiequeens]

https://torontosun.com/news/local-news/warmington-female-rugby-players-complain-trans-opponent-hits-too-hard

Female rugby players are not used to feeling like they have been hit by a bus on the field. Or a truck.

A veteran female rugby player, who plays for the Stoney Creek Camels senior women’s team, said she was hit so hard in a recent game, it felt like a man delivering the tackle.

This transgender player, known as Ash — said to have registered as a non-binary person who identifies as female — stands about 5-foot-10 and weighs up to 220 pounds. 

“We are women,” said a female player on the receiving end of a tackle. “It’s a whole other thing playing rugby against men.” 

Or one who used to be — especially one of that size, who is also said to have been an MVP at the men’s level just last season. 

“I had never been hit like that before, even at the competitive women’s level,” said the player. “There was so much more brute force. There are women who are bigger than him, but no girl hits like that. This is a strong human.” 

“The player is a nice person, but that is not the point,” said the female player. “We are now at a disadvantage.”

This story has sparked a lot of discussion within the rugby community – many comparing it to the Leah Thomas swimming issue in the United States. But as one female player pointed out, competitive swimmers have their own lane and there are no collisions. In rugby, it’s all collisions, all the time. She said Ash’s legs are massive and strong, and “you feel the hits from (them) the next day.”

Diana Murphy a friend of some of the players, tweeted: “Three women’s rugby players had to be removed from a game and treated for injuries from hits sustained by a transwoman” and that she feels “Trans have no place in women’s sports.” Rugby Canada said there were no illlegal hits, but sources in the game said Ash received a yellow card from the referee for a hit to the head of one female player. Ash was pulled from the game. Players said they are not clear whether it was at the insistence of the referee or the Fergus coach. Either way, Rugby Canada said this is a federal inclusion issue and not only is this transgender player welcomed in the league, but the law protects that person from discrimination.

“We are aware of the matter in question but would advise that Rugby Canada has received no formal complaints,” said Managing Director Tania Richards. “All rugby played in Canada abides by federal government laws which regulates inclusion in sports."

She said there were no players hurt and there were no illegal hits as has been suggested on social media. What there has been, said Richards, is online harassment of the transgender player. The Fergus club has not yet responded, but has forwarded our request to speak with Ash. Meanwhile, there are some players who feel they should not have to play against someone who was recently considered male, but are afraid to reveal their identities for fear of being targeted or cancelled themselves.

All sides use the word “complicated” when talking about this matter. Rugby Ontario sent a communique to members, saying “for those who attended Sunday’s board meeting, you are aware of some concerns that have arisen about player safety in the context of a transplayer playing in club games” and “we are working closely with Rugby Canada senior staff on the matter and are together developing action and communication plans, informed by the counsel of their third-party crisis management PR agency.” They also asked, “if you are contacted by anyone in the community or the media, please do not engage by offering any opinion or comment on the situation.” What they don’t seem to be doing is fully accepting there are some female players who don’t feel comfortable going up against a transitioning opponent in a physical sport where size and strength play a role. One player said the collision she had with trans player Ash was unlike any other impact she has felt in all her years playing rugby.

[poisontheglamrockband]

i feel like season 4 of TUA was trying to stick the landing with a broken leg because the writers were trying to put more focus on character motivations and flaws but it was the last season.

most of umbrella academy has been action to action to action and no one’s really had meaningful character development throughout it all. i really do believe a plotline between diego and lila about how ‘married with kids’ life both stresses them out and bores them could; i believe a plot about viktor being able to hold down a relationship could work; i believe a final end of the world plot where five lashes out on his family because he wants to sit under his own vine and fig tree and they keep ending the fucking world COULD WORK, the problem is that none of these ideas had the time to be fully developed and thus all fell flat

[leahthedreamer]

Here’s how Gabi and Guillaume returning for a final olympic season will save ice dance from destitute-

[bitchesgetriches]

Dafuq Is a Retirement Plan and Why Do You Need One?

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[tchaikovskym]

I think late 20s are for people to figure out that the world they knew 10 years ago doesn't exist anymore, and you have to accept that your understanding of the world you made when you were younger will not be true in the changing world

[talabib]

Mastering the Art of Investing: Practical Strategies for Insightful Decision-Making

Key Point:

Making smart and insightful investment decisions is an attainable goal with the right strategies in place. By recognizing your limitations, managing emotions, seeking professional guidance, and aligning your investments with personal objectives, you can cultivate a robust and successful investment portfolio that stands the test of time.

Sound investment decisions are the bedrock of financial success. However, navigating the complex world of investing can be challenging, even for the most seasoned investors. This post explores practical strategies for making smart and insightful investment decisions, empowering you to grow your wealth with confidence and finesse.

Recognize the Limits of your Abilities

In both life and investing, it is crucial to acknowledge the boundaries of our expertise. Overestimating our abilities can lead to ill-advised decisions and, ultimately, financial losses. By cultivating humility and seeking external guidance when necessary, we can minimize risks and make more informed investment choices.

Manage Emotional Influence on Decision-Making

Emotions can significantly impact our ability to make rational decisions. To circumvent the sway of emotions, adopt a disciplined approach to investing, relying on data-driven analysis and long-term strategies rather than succumbing to impulsive reactions.

Leverage the Expertise of an Advisor

Engaging a professional financial advisor is a prudent investment decision. Their wealth of knowledge and experience can help you navigate market complexities and identify opportunities tailored to your financial goals, risk tolerance, and investment horizon.

Maintain Composure Amidst Market Volatility

Periods of market turbulence can incite panic among investors. However, it is essential to remain level-headed and maintain a long-term perspective during such times. Avoid making impulsive decisions based on short-term fluctuations and focus on your overarching financial objectives.

Assess Company Management Actions Over Rhetoric

When evaluating potential investments, examine the actions of a company's management rather than relying solely on their statements. This approach ensures a more accurate understanding of the organization's performance, financial health, and growth prospects.

Prioritize Value Over Glamour in Investment Selection

The most expensive investment options are not always the wisest choices. Focus on identifying value rather than being swayed by glamorous or high-priced options. This strategy promotes long-term financial growth and mitigates the risk of overpaying for underperforming assets.

Exercise Caution with Novel and Exotic Investments

While unique and exotic investment opportunities may appear enticing, approach them with caution. Ensure thorough research and due diligence before committing to such investments, as they may carry higher risks and potential pitfalls.

Align Investments with Personal Goals

Invest according to your individual objectives rather than adhering to generic rules or mimicking the choices of others. Personalized investment strategies are more likely to yield favorable results, as they account for your unique financial circumstances, risk appetite, and long-term aspirations.

Making smart and insightful investment decisions is an attainable goal with the right strategies in place. By recognizing your limitations, managing emotions, seeking professional guidance, and aligning your investments with personal objectives, you can cultivate a robust and successful investment portfolio that stands the test of time.

Action plan: Learn a few simple rules and ignore the rest of the advice you receive. 

It’s easy to become completely overwhelmed by the volume of advice available about investing. However, you don’t need to become an expert on the stock market in order to become a good investor. 

Just like an amateur poker player can go far if he simply learns to fold his worst hands and bet on his best ones, a novice investor can become very competent just by following a few simple rules. For example, he should learn not to overreact to dips in the market and make sure to purchase value stocks instead of glamour stocks. 

[shoecrabs]

i honestly don't think anyone will care but I keep brainrotting over the idea of a pjo/rainworld au

I've turned the Seven into funky slimy cats dealing w concepts far beyond their comprehensions lmao

[dollar-and-sense]

Mastering Personal Finance and Investing: Your Ultimate Guide to Financial Freedom

Introduction: Understanding the Importance of Personal Finance and Investing Personal Finance and Investing: Your Path to Financial Freedom Importance of Personal Finance and Investing for Wealth Creation The Basics of Personal Finance: Budgeting, Saving, and Debt Management Mastering the Basics: Budgeting, Saving, and Debt Management Budgeting Tips for Effective Personal Finance…

[luckypersonalfinance]

MONEY IS ESSENCIAL.

[squaredawayblog]

State programs to automatically enroll workers in an IRA are nudging more employers to create their own retirement savings plans instead. 

[my-financials]

The FIRE Movement: A Comprehensive Guide to Financial Independence and Early Retirement

Introduction In recent years, a revolutionary concept has emerged in the realm of personal finance, captivating the imagination of young adults worldwide. Known as the FIRE movement, which stands for Financial Independence, Retire Early, this philosophy offers more than just financial advice—it proposes a radical shift in lifestyle. This in-depth guide explores the intricacies of the FIRE…

[coochiequeens]

I'm going to guess that this is another man who can't compete with younger men anymore, through no fault of his own he's just aging, and instead of accepting that gracefully and focusing elsewhere like coaching he's using women’s sports to prolong a sports career that should have been over by now.

By Amy Hamm June 24, 2024

Female rugby players in Alberta, Canada, are expressing concerns for their safety after a male who only recently began to identify as a “woman” was permitted to join their team. The women say their club is more worried about “discrimination” lawsuits than their potential injuries.

Players for the Clanswomen, a female rugby team in the Clansmen Rugby Club (CRC) and under the jurisdiction of the Edmonton Rugby Club, told Reduxx they were only recently informed by a coach that Maeryn Gellhaus, 48, was allowed to join their team.

Several members of the Clanswomen, who are being kept anonymous for their protection, explained that they knew Gellhaus had previously played on a men’s team in the CRC before he began to identify as transgender. He also reportedly coaches a youth team in the CRC.

According to a Clanswomen player who spoke with Reduxx, Gellhaus approached executives at the CRC sometime in May, requesting to switch from the men’s team to the women’s team. He has since been attending the women’s practice sessions twice a week. The female players were reportedly not consulted about his acceptance onto the roster.

Gellhaus made an Instagram post about joining the women’s team on May 29, boasting that he had played nearly 300 games as a male, but had been accepted into the Clanswomen after declaring himself to be a woman.

“I’ve played almost 300 games for my club. Played on every team possible. But the reason I never really fit in was because I was never really on the RIGHT team. Until tonight… tonight the Clanswomen allowed me to join them. So for once (maybe just once) I can take the pitch as myself for the right team.”

According to an Instagram post by Gellhaus, he began to identify as transgender and take cross-sex hormones (HRT) just four months ago and primarily presents as “male” most of the time.

“I’m only 4 months deep into HRT. I haven’t had [facial feminization surgery]. I still boy-mode mostly,” he wrote in another post from June 4.

The anonymous female players said that Gellhaus was allegedly informed that several of the women on the team were uncomfortable with his presence and worried about being injured playing with a male. Days later, Gellhaus took to Instagram again, complaining that some of the women had been less than accomodating to him.

“There are a lot of girls that have been absolutely amazing to me there. But there is an underlying feeling that some don’t want me there. Badly. It hasn’t been figured out yet. I’m trying to decide if it’s worth the struggle. I want to be celebrated, not tolerated,” he wrote.

Just last week, Gellhaus was finally added to the publicly-available team roster on the Clansmen Rugby Club’s website. He played his first game with the team on Saturday in St. Albert, Alberta.

One female player told Reduxx that she was focused on fairness and safety, and that none of the women opposed to Gellhaus’ presence were motivated by transphobia. Instead, she explained fear of injury was the primary concern amongst the women.

“It’s safety and fairness of sport. It’s pretty f*cked up that one person’s ‘feelings’ trump legitimate concerns of safety from our women. Our opinions and feelings don’t matter,” she said.

“In an aggressive contact sport like rugby, where your only required protection is a mouth guard, why do we have to argue over safety and explain the risks of women versus men?”

Several of the women have approached Canada’s governing body for Rugby with concerns about safety, but were told that the club must follow the current guidance, which enables players to choose a team based on their self-identified gender “at both recreational and competitive levels.”

Rugby Canada regulations claim to “resolve gender identity and gender expression issues” via their discipline and complaints policy. The policy does not provide any mention of the safety of female players matched with or against males.

“It’s reckless. The club is afraid [Gellhaus] will file a discrimination suit if we don’t let him play,” another Clanswomen player revealed. “I argue he is to be accepted ‘as is’ with the men’s team, or he can go play in one of the co-ed leagues.”

[augerer]

its so crazy to be an adult with like a roth ira/retirement account and be like Well i hope that by the age of 59.5 when i can withdraw this money we'll actually have seen the fall of the american empire, the stock market existing like this when i am 60 actually makes me want to lie down in despair, but i guess for now i've got to buy some bonds or something?

[wendykw]

Living on Social Security Part 2

What I did in the months before I retired to be sure I could survive on just my Social Security check.

PLANNING Steps:

I researched how much money I would have in my SS check before I decided I could retire at 66 instead of waiting until 70. My SS check is about 1/3 higher than the average. So I have that going for me. You can find this information at ssa.gov. You'll have to create a password to access your data.

I researched how much Medicare was going to cost me. Medicare is NOT free. With Parts B & D plus a Medicare Supplement, it costs me $393 per month. You need to know these things before hand. My late husband had retired before I did, so I was aware of these costs. I learned a lot about how Medicare works & the options for Medicare supplements when Hubby and I were looking at his options. He retired at 62 & died at 65. He had a lot of medical issues during those 3 years.

Taxes are another issue to research. My state (NC) does not tax Social Security, but it does tax withdrawals from retirement accounts like IRAs. I have an IRA that I use as my emergency fund. I've used it for paying a plumber, replacing appliances that died, etc. I haven't taken out enough in any year to pay income tax on those withdrawals. The Feds tax half of your SS check, plus other income, if it exceeds the exemption for your filing status. I haven't paid income tax since 2019, the year I retired & still had work income.

I made a budget based on what my net SS check would be. My take-home from my job was >$1k more per month than my SS check. I did this a few months before I retired, so I could figure out how to reduce my expenses that much.

I researched ways to cut expenses.I read books. I watched & still watch several youtube channels that are about frugality. Search frugality & or minimalism on youtube, & you'll find lots of channels. I like Under the Median, Frozen Pennies, Homegrown Hilary, Living on a Dime to grow Rich, and Kate Kaden. If you find someone else that you like, let me know about them. Most of the you-tubers have kids, so a lot of the advice isn't applicable to a retired person or couple.

Next time, I'll write about what I did financially in the 5 years between when my husband died & when I retired. I had to rebuild my retirement savings (401k), because we had to use some of it when Hubby got laid off in 2009, and then when I was unemployed in late 2013 & early 2014. Hubby died 3 months after I started a new job.