#and a good quarter are retirees who do this as basically a hobby and they only have one car so the husband takes the car bc he works farther

[thewingedwolf]

when u tell someone who hasn’t had to apply for a job in a while “the interview process is like 6 weeks atp” they don’t believe you but a lot of employers will wait like 2 weeks to follow up, and they always need to do multiple rounds of interviews which takes a week for each round, and then there’s two more weeks of dead silence before you hear back. sometimes you’ll apply for something in january and they will call you up in the summer like “hey you still want the job” it’s crazy. they’re out here putting desk clerks through two phone interviews and two in persons at two different locations. they make the pages interview TWICE and they also have to do TWO sorting tests!! that job pays well below minimum wage, it’s a job meant for retirees and high school students why do you interview them like it requires a mlis

[alexdmorgan30]

11 Ways to Heal a Broken Heart in Recovery

Heartbreak. At 14 or 54, we’ve all been there, but today we push through the pain, one-day-at-a-time, cold brew sober. And here’s what’s helping me now, because, despite what still feels like an endless volley of water balloons hitting concrete beneath my breastbone, the fibrillation is in my mind, not my chest cavity, and that scrappy muscle thumps on, still propping me upright each morning to face my new reality.1. Find that God of Your Understanding and Glom OnWhen I reached Step 3 with my sponsor, I got an assignment: flesh out your concept of a higher power, in writing. Lisa M. wanted detail, a God I could see and talk to, and grab by the elbow. And because I’m neither original nor progressive, I came up with a male God in human form — a cross between Santa Claus and Mr. T. to be exact. With a twinkle in his eye and a glint off his gold tooth, my HP is jolly and generous, strong and sexy, and funny as hell.And at this moment, when I’m finding myself on the sucky side of one-sided love, it’s not bad to have a real hunk who loves me for an HP. After an especially vicious salvo, when the heartbreak balloons start to leak out the eye sockets, I can HALT, remember the in-breath, and picture HP (and yes, predictably, I’m looking heavenward). Funny, his response is always the same: with bronzed torso and silver beard, forearms flexed and crossed over a white undershirt, the big man in the sky stares down at me, then starts nodding reassuringly. Suddenly, he flashes that easy smile and I know I’m good.2. Slam the SlogansH.A.L.T., Easy Does It, Turn It Over, Just for Today, Live and Let Live, This Too Shall Pass, When One Door Shuts Another Opens, Fear Is the Absence of Faith, The Elevator Is Broken - You’ll Have to Use the Steps. I’ve become something of a short-order chef when it comes to using a few well-chosen words to support my sobriety. Day and night, I sling slogans, flip affirmations, and call out quotes from famous dead people. I’ve scotched them to the inside of my kitchen cabinets, along with the 3rd, 6th, 7th and 11th step prayers. They are the comfort food my soul craves now. “Success is moving from failure to failure with no lack of enthusiasm.” - Winston Churchill. “If you want to be loved, love and do loving things.” - Ben Franklin. Words that nourish, as I’m waiting for the kettle to boil. Having well-chosen words highly visible in the kitchen (or as a screensaver) can be a real lifesaver!3. Phone TherapyAnd here’s a slogan I’m slamming hard today: “We drank alone, but we don’t stay sober alone.” The old timers carried quarters, and I make sure I leave home with my phone fully-charged. I listen to a morning meditation walking to the train, text three newcomers on the platform, compose a longer text to my sponsor in transit, then dial my best sober gal pal as I push through the turnstile on the final leg to work. I send silly GIFs to lift spirits, including mine, and add a trail of emoji butterflies, praying hands, and peace signs. By 8:00 a.m., the lonely in me already feels not so alone.4. Explore PodcastsRecovery Radio Network, Joe and Charlie, and the Alcoholics Anonymous Radio Show are three in my queue. On my lunch hour or driving upstate, I take 30-60 minutes to laugh, cry, and identify…5. Make a Gratitude ListMy first sober Christmas, going through a divorce with two kids still believing in Santa, the above-mentioned sober gal pal suggested I find ten things for which I was grateful, save them to my phone, and recite them like a mantra through the Twelve Days of Christmas. I did:1. My sobriety 2. My sons 3. AA program of recovery 4. AA fellowship 5. Food in my stomach 6. Roof over my head 7. Colombian coffee 8. My dog 9. My extended family 10. God (HP has since moved up to the #1 slot)It worked. I said no to nog that first Yuletide, and made merry for my sons instead. And counting off my blessings still works today, when I’m a shallow-breathing shell just going through the motions.6. Make an Extended Gratitude ListWhen the restless, irritable and discontent in me keeps spilling the glass half-full and this positive punch list isn’t getting me over the hump, I pour out ten more things to celebrate, like: my pre-war bathtub, which holds upwards of 60 gallons of bubble bath and the fact that I live within easy walking distance of two subway lines so I can always get into the city on weekends.7. Make Meetings“Meeting Makers Make It,” “Get Sober Feet,” “Carry the Body, the Mind Will Follow.” These three slogans in particular encouraged me as a newcomer, and I’m calling upon them now, in cardiac arrest, when my heart needs serious heartening. So I’m hitting my home group, and getting hugs from retirees with double-digit sobriety who pass fresh Kleenex and envelop in equanimous smiles. I’m also checking out other meetings across town, then going out for...8. Fellowship AfterwardsI’ve started tucking my Boggle into my handbag when I head out to my Friday night meeting. At the secretary’s report, I pull out the box, shake it, and invite anyone interested to a nearby diner for passable pie a la mode and a few rounds of a three-minute word game. Sometimes it’s Yahtzee. We roll the dice and down bottomless cups of bad coffee. Last week someone brought cards, and I lost badly at hearts (ha!). It’s good, wholesome fun, and by the time I hit my pillow, I’ve significantly pared down the number of waking hours I could have spent obsessing over-ahem-HIM.9. Self-CareSelf-care is somewhat self-defined. These days, after I’ve covered the basics—eat, sleep, bathe—I’m noodling what more I can do to support my mental, physical, and spiritual self. Prone to self-pity and self-indulgence just now, self-care is really urgent-care. So I ask: am I under-meditating and over-caffeinating? Am I speeding up at speed bumps? Am I four months behind in balancing my bank statement? Am I using money to buy what money can’t buy and damn the consequences? Am I treating every Monday like Cyber Monday and abusing the free delivery feature of Amazon Prime? Have I forgotten yoga and found red velvet cake in Costco’s freezer? Are my spot checks spotty lately because I just don’t want to cop to this alcoholic acting out, and instead keep blunting the full force of feeling??? Yes to all of the above. And this leads me back to Step 2: turn to top management for a takeover.Working Steps 2 and 3 is probably the most caring thing I’m doing for myself today: seeing the unmanageable, then seeing the way out. And also forgiving myself for these self-indulgent splurges. So what that I’ve added three pounds to my midline and three pairs of silver sandals to my shoe rack? The rent is paid, and my latchkey kids still let themselves in after school and seem content to eat my crockpot soup and call this home.10. Get on your Hobby HorseWhen was the last time you read “Chapter 6: Getting Active” in Living Sober, that handy paperback that’s not just for newcomers? This month I’ve been making good use of subsection 6B: “Activity not related to A.A.”The anonymous authors suggest “trying a new hobby” or “revisiting an old pastime, except you-know-what” (Yea, Amstel Light). Fat chance I’ll pick up cabinetmaking, leathercraft or macramé, but I am baking granola and simmering bone broths.I’m also revisiting my adolescence with amateur YouTube ballet routines by hammy-thighed figure skaters and dancing to Heavy D. music videos late into a Saturday night. I’m choosing happy music over sad, and tuning in to The Messiah, not Blue Christmas.I’m even considering “Starting on long neglected chores” like editing my nearly obsolete recipe binder, now that I’ve found Pinterest. And while I can’t claim to be going out of my way “Volunteering to do some useful service,” I am trying to be more useful on my job. And just as helping a newcomer find a meeting helps me, helping a kid graph algebraic equations makes me feel purposeful (when otherwise I feel like a mess).11. Become a card-carrying member of the “No Matter What Club”For God’s sake, whatever skillful or unskillful actions you end up taking during this time of triage, please don’t drink over him or her. They are not worth it. (And I’d put money down—money that I don’t have—on a bet that they’d agree with me.)Voila! My top eleven tips to help you over the hump of heartbreak! Take what you like and leave the rest.Have you had your heart broken in recovery? How did you heal? Let us know in the comments.

from RSSMix.com Mix ID 8241841 http://bit.ly/2U3i5gZ

[pitz182]

11 Ways to Heal a Broken Heart in Recovery

Heartbreak. At 14 or 54, we’ve all been there, but today we push through the pain, one-day-at-a-time, cold brew sober. And here’s what’s helping me now, because, despite what still feels like an endless volley of water balloons hitting concrete beneath my breastbone, the fibrillation is in my mind, not my chest cavity, and that scrappy muscle thumps on, still propping me upright each morning to face my new reality.1. Find that God of Your Understanding and Glom OnWhen I reached Step 3 with my sponsor, I got an assignment: flesh out your concept of a higher power, in writing. Lisa M. wanted detail, a God I could see and talk to, and grab by the elbow. And because I’m neither original nor progressive, I came up with a male God in human form — a cross between Santa Claus and Mr. T. to be exact. With a twinkle in his eye and a glint off his gold tooth, my HP is jolly and generous, strong and sexy, and funny as hell.And at this moment, when I’m finding myself on the sucky side of one-sided love, it’s not bad to have a real hunk who loves me for an HP. After an especially vicious salvo, when the heartbreak balloons start to leak out the eye sockets, I can HALT, remember the in-breath, and picture HP (and yes, predictably, I’m looking heavenward). Funny, his response is always the same: with bronzed torso and silver beard, forearms flexed and crossed over a white undershirt, the big man in the sky stares down at me, then starts nodding reassuringly. Suddenly, he flashes that easy smile and I know I’m good.2. Slam the SlogansH.A.L.T., Easy Does It, Turn It Over, Just for Today, Live and Let Live, This Too Shall Pass, When One Door Shuts Another Opens, Fear Is the Absence of Faith, The Elevator Is Broken - You’ll Have to Use the Steps. I’ve become something of a short-order chef when it comes to using a few well-chosen words to support my sobriety. Day and night, I sling slogans, flip affirmations, and call out quotes from famous dead people. I’ve scotched them to the inside of my kitchen cabinets, along with the 3rd, 6th, 7th and 11th step prayers. They are the comfort food my soul craves now. “Success is moving from failure to failure with no lack of enthusiasm.” - Winston Churchill. “If you want to be loved, love and do loving things.” - Ben Franklin. Words that nourish, as I’m waiting for the kettle to boil. Having well-chosen words highly visible in the kitchen (or as a screensaver) can be a real lifesaver!3. Phone TherapyAnd here’s a slogan I’m slamming hard today: “We drank alone, but we don’t stay sober alone.” The old timers carried quarters, and I make sure I leave home with my phone fully-charged. I listen to a morning meditation walking to the train, text three newcomers on the platform, compose a longer text to my sponsor in transit, then dial my best sober gal pal as I push through the turnstile on the final leg to work. I send silly GIFs to lift spirits, including mine, and add a trail of emoji butterflies, praying hands, and peace signs. By 8:00 a.m., the lonely in me already feels not so alone.4. Explore PodcastsRecovery Radio Network, Joe and Charlie, and the Alcoholics Anonymous Radio Show are three in my queue. On my lunch hour or driving upstate, I take 30-60 minutes to laugh, cry, and identify…5. Make a Gratitude ListMy first sober Christmas, going through a divorce with two kids still believing in Santa, the above-mentioned sober gal pal suggested I find ten things for which I was grateful, save them to my phone, and recite them like a mantra through the Twelve Days of Christmas. I did:1. My sobriety 2. My sons 3. AA program of recovery 4. AA fellowship 5. Food in my stomach 6. Roof over my head 7. Colombian coffee 8. My dog 9. My extended family 10. God (HP has since moved up to the #1 slot)It worked. I said no to nog that first Yuletide, and made merry for my sons instead. And counting off my blessings still works today, when I’m a shallow-breathing shell just going through the motions.6. Make an Extended Gratitude ListWhen the restless, irritable and discontent in me keeps spilling the glass half-full and this positive punch list isn’t getting me over the hump, I pour out ten more things to celebrate, like: my pre-war bathtub, which holds upwards of 60 gallons of bubble bath and the fact that I live within easy walking distance of two subway lines so I can always get into the city on weekends.7. Make Meetings“Meeting Makers Make It,” “Get Sober Feet,” “Carry the Body, the Mind Will Follow.” These three slogans in particular encouraged me as a newcomer, and I’m calling upon them now, in cardiac arrest, when my heart needs serious heartening. So I’m hitting my home group, and getting hugs from retirees with double-digit sobriety who pass fresh Kleenex and envelop in equanimous smiles. I’m also checking out other meetings across town, then going out for...8. Fellowship AfterwardsI’ve started tucking my Boggle into my handbag when I head out to my Friday night meeting. At the secretary’s report, I pull out the box, shake it, and invite anyone interested to a nearby diner for passable pie a la mode and a few rounds of a three-minute word game. Sometimes it’s Yahtzee. We roll the dice and down bottomless cups of bad coffee. Last week someone brought cards, and I lost badly at hearts (ha!). It’s good, wholesome fun, and by the time I hit my pillow, I’ve significantly pared down the number of waking hours I could have spent obsessing over-ahem-HIM.9. Self-CareSelf-care is somewhat self-defined. These days, after I’ve covered the basics—eat, sleep, bathe—I’m noodling what more I can do to support my mental, physical, and spiritual self. Prone to self-pity and self-indulgence just now, self-care is really urgent-care. So I ask: am I under-meditating and over-caffeinating? Am I speeding up at speed bumps? Am I four months behind in balancing my bank statement? Am I using money to buy what money can’t buy and damn the consequences? Am I treating every Monday like Cyber Monday and abusing the free delivery feature of Amazon Prime? Have I forgotten yoga and found red velvet cake in Costco’s freezer? Are my spot checks spotty lately because I just don’t want to cop to this alcoholic acting out, and instead keep blunting the full force of feeling??? Yes to all of the above. And this leads me back to Step 2: turn to top management for a takeover.Working Steps 2 and 3 is probably the most caring thing I’m doing for myself today: seeing the unmanageable, then seeing the way out. And also forgiving myself for these self-indulgent splurges. So what that I’ve added three pounds to my midline and three pairs of silver sandals to my shoe rack? The rent is paid, and my latchkey kids still let themselves in after school and seem content to eat my crockpot soup and call this home.10. Get on your Hobby HorseWhen was the last time you read “Chapter 6: Getting Active” in Living Sober, that handy paperback that’s not just for newcomers? This month I’ve been making good use of subsection 6B: “Activity not related to A.A.”The anonymous authors suggest “trying a new hobby” or “revisiting an old pastime, except you-know-what” (Yea, Amstel Light). Fat chance I’ll pick up cabinetmaking, leathercraft or macramé, but I am baking granola and simmering bone broths.I’m also revisiting my adolescence with amateur YouTube ballet routines by hammy-thighed figure skaters and dancing to Heavy D. music videos late into a Saturday night. I’m choosing happy music over sad, and tuning in to The Messiah, not Blue Christmas.I’m even considering “Starting on long neglected chores” like editing my nearly obsolete recipe binder, now that I’ve found Pinterest. And while I can’t claim to be going out of my way “Volunteering to do some useful service,” I am trying to be more useful on my job. And just as helping a newcomer find a meeting helps me, helping a kid graph algebraic equations makes me feel purposeful (when otherwise I feel like a mess).11. Become a card-carrying member of the “No Matter What Club”For God’s sake, whatever skillful or unskillful actions you end up taking during this time of triage, please don’t drink over him or her. They are not worth it. (And I’d put money down—money that I don’t have—on a bet that they’d agree with me.)Voila! My top eleven tips to help you over the hump of heartbreak! Take what you like and leave the rest.Have you had your heart broken in recovery? How did you heal? Let us know in the comments.

[emlydunstan]

11 Ways to Heal a Broken Heart in Recovery

Heartbreak. At 14 or 54, we’ve all been there, but today we push through the pain, one-day-at-a-time, cold brew sober. And here’s what’s helping me now, because, despite what still feels like an endless volley of water balloons hitting concrete beneath my breastbone, the fibrillation is in my mind, not my chest cavity, and that scrappy muscle thumps on, still propping me upright each morning to face my new reality.1. Find that God of Your Understanding and Glom OnWhen I reached Step 3 with my sponsor, I got an assignment: flesh out your concept of a higher power, in writing. Lisa M. wanted detail, a God I could see and talk to, and grab by the elbow. And because I’m neither original nor progressive, I came up with a male God in human form — a cross between Santa Claus and Mr. T. to be exact. With a twinkle in his eye and a glint off his gold tooth, my HP is jolly and generous, strong and sexy, and funny as hell.And at this moment, when I’m finding myself on the sucky side of one-sided love, it’s not bad to have a real hunk who loves me for an HP. After an especially vicious salvo, when the heartbreak balloons start to leak out the eye sockets, I can HALT, remember the in-breath, and picture HP (and yes, predictably, I’m looking heavenward). Funny, his response is always the same: with bronzed torso and silver beard, forearms flexed and crossed over a white undershirt, the big man in the sky stares down at me, then starts nodding reassuringly. Suddenly, he flashes that easy smile and I know I’m good.2. Slam the SlogansH.A.L.T., Easy Does It, Turn It Over, Just for Today, Live and Let Live, This Too Shall Pass, When One Door Shuts Another Opens, Fear Is the Absence of Faith, The Elevator Is Broken - You’ll Have to Use the Steps. I’ve become something of a short-order chef when it comes to using a few well-chosen words to support my sobriety. Day and night, I sling slogans, flip affirmations, and call out quotes from famous dead people. I’ve scotched them to the inside of my kitchen cabinets, along with the 3rd, 6th, 7th and 11th step prayers. They are the comfort food my soul craves now. “Success is moving from failure to failure with no lack of enthusiasm.” - Winston Churchill. “If you want to be loved, love and do loving things.” - Ben Franklin. Words that nourish, as I’m waiting for the kettle to boil. Having well-chosen words highly visible in the kitchen (or as a screensaver) can be a real lifesaver!3. Phone TherapyAnd here’s a slogan I’m slamming hard today: “We drank alone, but we don’t stay sober alone.” The old timers carried quarters, and I make sure I leave home with my phone fully-charged. I listen to a morning meditation walking to the train, text three newcomers on the platform, compose a longer text to my sponsor in transit, then dial my best sober gal pal as I push through the turnstile on the final leg to work. I send silly GIFs to lift spirits, including mine, and add a trail of emoji butterflies, praying hands, and peace signs. By 8:00 a.m., the lonely in me already feels not so alone.4. Explore PodcastsRecovery Radio Network, Joe and Charlie, and the Alcoholics Anonymous Radio Show are three in my queue. On my lunch hour or driving upstate, I take 30-60 minutes to laugh, cry, and identify…5. Make a Gratitude ListMy first sober Christmas, going through a divorce with two kids still believing in Santa, the above-mentioned sober gal pal suggested I find ten things for which I was grateful, save them to my phone, and recite them like a mantra through the Twelve Days of Christmas. I did:1. My sobriety 2. My sons 3. AA program of recovery 4. AA fellowship 5. Food in my stomach 6. Roof over my head 7. Colombian coffee 8. My dog 9. My extended family 10. God (HP has since moved up to the #1 slot)It worked. I said no to nog that first Yuletide, and made merry for my sons instead. And counting off my blessings still works today, when I’m a shallow-breathing shell just going through the motions.6. Make an Extended Gratitude ListWhen the restless, irritable and discontent in me keeps spilling the glass half-full and this positive punch list isn’t getting me over the hump, I pour out ten more things to celebrate, like: my pre-war bathtub, which holds upwards of 60 gallons of bubble bath and the fact that I live within easy walking distance of two subway lines so I can always get into the city on weekends.7. Make Meetings“Meeting Makers Make It,” “Get Sober Feet,” “Carry the Body, the Mind Will Follow.” These three slogans in particular encouraged me as a newcomer, and I’m calling upon them now, in cardiac arrest, when my heart needs serious heartening. So I’m hitting my home group, and getting hugs from retirees with double-digit sobriety who pass fresh Kleenex and envelop in equanimous smiles. I’m also checking out other meetings across town, then going out for...8. Fellowship AfterwardsI’ve started tucking my Boggle into my handbag when I head out to my Friday night meeting. At the secretary’s report, I pull out the box, shake it, and invite anyone interested to a nearby diner for passable pie a la mode and a few rounds of a three-minute word game. Sometimes it’s Yahtzee. We roll the dice and down bottomless cups of bad coffee. Last week someone brought cards, and I lost badly at hearts (ha!). It’s good, wholesome fun, and by the time I hit my pillow, I’ve significantly pared down the number of waking hours I could have spent obsessing over-ahem-HIM.9. Self-CareSelf-care is somewhat self-defined. These days, after I’ve covered the basics—eat, sleep, bathe—I’m noodling what more I can do to support my mental, physical, and spiritual self. Prone to self-pity and self-indulgence just now, self-care is really urgent-care. So I ask: am I under-meditating and over-caffeinating? Am I speeding up at speed bumps? Am I four months behind in balancing my bank statement? Am I using money to buy what money can’t buy and damn the consequences? Am I treating every Monday like Cyber Monday and abusing the free delivery feature of Amazon Prime? Have I forgotten yoga and found red velvet cake in Costco’s freezer? Are my spot checks spotty lately because I just don’t want to cop to this alcoholic acting out, and instead keep blunting the full force of feeling??? Yes to all of the above. And this leads me back to Step 2: turn to top management for a takeover.Working Steps 2 and 3 is probably the most caring thing I’m doing for myself today: seeing the unmanageable, then seeing the way out. And also forgiving myself for these self-indulgent splurges. So what that I’ve added three pounds to my midline and three pairs of silver sandals to my shoe rack? The rent is paid, and my latchkey kids still let themselves in after school and seem content to eat my crockpot soup and call this home.10. Get on your Hobby HorseWhen was the last time you read “Chapter 6: Getting Active” in Living Sober, that handy paperback that’s not just for newcomers? This month I’ve been making good use of subsection 6B: “Activity not related to A.A.”The anonymous authors suggest “trying a new hobby” or “revisiting an old pastime, except you-know-what” (Yea, Amstel Light). Fat chance I’ll pick up cabinetmaking, leathercraft or macramé, but I am baking granola and simmering bone broths.I’m also revisiting my adolescence with amateur YouTube ballet routines by hammy-thighed figure skaters and dancing to Heavy D. music videos late into a Saturday night. I’m choosing happy music over sad, and tuning in to The Messiah, not Blue Christmas.I’m even considering “Starting on long neglected chores” like editing my nearly obsolete recipe binder, now that I’ve found Pinterest. And while I can’t claim to be going out of my way “Volunteering to do some useful service,” I am trying to be more useful on my job. And just as helping a newcomer find a meeting helps me, helping a kid graph algebraic equations makes me feel purposeful (when otherwise I feel like a mess).11. Become a card-carrying member of the “No Matter What Club”For God’s sake, whatever skillful or unskillful actions you end up taking during this time of triage, please don’t drink over him or her. They are not worth it. (And I’d put money down—money that I don’t have—on a bet that they’d agree with me.)Voila! My top eleven tips to help you over the hump of heartbreak! Take what you like and leave the rest.Have you had your heart broken in recovery? How did you heal? Let us know in the comments.

from RSSMix.com Mix ID 8241841 https://www.thefix.com/11-ways-heal-broken-heart-recovery

[myfinanceblog]

New Post has been published on My Finance Blog

New Post has been published on http://princefinance.princefamily33.com/2018/04/19/start-your-retirement-savings-with-these-top-tips/

Start Your Retirement Savings With These Top Tips

TIP! Retirement is a time many dream about while they are working. They think retirement is going to be a wonderful thing.

You want to be certain that you can retire when the time is right. Plan way ahead of time to prevent this. The following paragraphs are full of great ideas to guide you. Think about what you have to do to retire.

TIP! Partial retirement is a great option. If you can’t afford to retire just yet, a partial retirement may be perfect for you.

Determine your exact retirement costs. Studies have shown that most people need around 75% of the income they were receiving before retirement. Workers that don’t make too much as it is may need about 90 percent or so.

TIP! If your company offers you a 401K, contribute as much as you can to it regularly. A 401k plan allows you to invest pre-tax dollars into a retirement plan.

Start your retirement savings as early as you can and then keep it up until you actually retire. Even if you must start small, begin saving today. Once you start earning more, you will be able to save more. The money you earn in interest will increase the amount available to you later, which can go a long way in retirement.

Partial Retirement

TIP! Find out about your employer’s options for retirement savings? Sign up for the plan which suits your needs the best. This will help you to save the most amount of money that you can.

Think about partial retirement. Consider a partial retirement if you cannot afford a regular one. This can mean working at your current career part time. You will have time to relax while still bringing in some money, and it will be easier to transfer to full retirement when you are ready.

TIP! Think about holding off on drawing against Social Security. If you wait, you would increase the monthly allowance you are entitled to, which will help keep you financially independent.

Make routine 401k contributions and maximize any available employer matching funds. A 401k account will let you put away money before tax, allowing you to save more money without it hurting your paycheck too much. If you have a plan that has your employer matching the contributions you make, it is basically free money.

TIP! Every quarter, rebalance your retirement investment portfolio Rebalancing more often will leave you vulnerable, emotionally, to any market swings. If you don’t do it enough, you aren’t able to put your cash in the best places.

While saving as much as possible towards retirement is key, thinking about the types of investments to make is also important. Diversify your savings plans so you don’t put all of your money in the same place. It will make your savings safer.

TIP! Most workers believe that their retirement will have enough free time to do everything they want. Time can get away from us very quickly, however.

Go over your retirement portfolio no less than once quarterly. Looking at it more often may create an emotional vulnerability to market swings. Doing this less often can cause you to miss opportunities. Work with an investment professional to determine the right allocations for your money.

TIP! Consider opting into a health plan for the long haul. Health declines for the majority of folks as they age.

Many think they can do whatever they want once they retire. Time does have a way of slipping away faster as the years go by. It can help to plan your daily activities in advance to be sure you make the most of your time.

TIP! Learn all about your employer’s pension plans. If there is a traditional option, see if you have coverage and find out how it works.

Retirement may just be the perfect opportunity to get your dream of running a small business going. Many people find success in their later years by turning a lifelong hobby into a small business they can operate from home. This can save you money and allow you to keep active.

TIP! You need to set goals for the short-term and long-term. Goals are always important and can help you save money.

If you are 50 years old or greater, you can play catch up with your IRA account. Generally speaking, $5,500 is the maximum that you can put in your IRA each year. Once you’ve reached 50, though, the limit increases to about $17,500. This is great for people that started late but still need to save back some.

TIP! Have you dreamed of starting a small business? People often find that they can earn money by strting a small business later in life. This situation is low in stress since the retiree’s livelihood does not depend on success.

When calculating the amount of money you need to retire, consider how you currently live. To do this, you will need about four-fifths of your current income. When your retirement actually comes about, you will need to rein in the impulse to spend a lot more on your leisure activities.

TIP! Find a little group of people that are retired like you are. Finding a group of others that don’t work just like you will allow you to do enjoyable things with them.

As you transition into retirement, look for friends who are at the same stage of life as you. Participating in activities with them is a pleasurable activity. With your group of friends, you can do fun things that retired people like to do. In addition, you may find it easier to talk to them than to people who are younger than you.

This article was written to help people get ready for retirement. Good planning equals full enjoyment of your retirement years. Start as soon as possible to secure your future.

[myfinanceblog]

New Post has been published on My Finance Blog

New Post has been published on http://princefinance.princefamily33.com/2017/04/21/expert-tips-for-successfully-planning-your-retirement/

Expert Tips For Successfully Planning Your Retirement

TIP! People who have worked long and hard eagerly anticipate a happy retirement. They think that retirement is a wondrous time where they can do everything they didn’t have time for while they worked.

Retirement is something many people forget to plan for effectively. It seems so far off that the need for planning is overwhelmed with more immediate concerned. When you turn 65, you will want to be in the best position possible.

TIP! Working part time in the future may be an option. It may be wise to think about partial retirement if you are interested in retiring but are not in a financial position to do so just yet.

Determine the costs you will face after you retire. Most people need around seventy percent of their current income just to cover basic necessities during their retirement years. People who already receive a low income may need around 90%.

TIP! Make sure that you are adding to your 401k every paycheck. A 401k permits savings of pre-tax funds, thus allowing you to accumulate more money.

Start saving early and continue saving until you reach retirement age. The smallest amounts of investment will add up to a much larger amount the earlier that you start. The more you make, the more you need to put back. Keeping funds in interest bearing accounts helps grow the balances.

TIP! When you retire, you will no longer use the excuse that you have no time to stay in shape! You will really need to care for your body in retirement, because it’s important as you age. Work out often and you will soon fall into an enjoyable routine.

Hold off for a few years before using Social Security income. By waiting, you will increase your monthly allowance, and this can make it easier to remain financially comfortable. This will be easier to do if you can still work, or if you have other sources of retirement income.

TIP! Are you overwhelmed and thinking about why you haven’t started to save? The truth is that it is not ever too late to get started. Look at your budget and decide on how much money you can save monthly.

Get your retirement portfolio rebalanced every quarter of a year. Do it too often and you are vulnerable to small market swings. If you don’t do it that often, you may lose opportunities. Find an investment agent to help you.

TIP! While you obviously want to save as much money as possible for retirement, it is also important to think about the kind of investments you should make. Diversify your portfolio and make sure that you do not put all your eggs in one basket.

When you are about to retire, downsize. You can use this money in the future. While you may believe that you have a good handle on your financial future, unexpected events often occur. Big expenses and medical bills can happen at any point, and they can be very hard to deal with once you’re retired.

Term Health

TIP! People think that they have plenty of time to get ready for retirement. Time seems to go by more quickly as each year passes.

Think about a long-term health plan. Health declines for the majority of folks as they age. Long term health care is very expensive. This is why opting for long-term care is a wise choice.

TIP! Set goals for the short term and the long term. Goals are an important part of life, especially retirement.

Look into the pension plans offered by your company. If you find a traditional one, learn how it works and if you’re covered by it. If you need to switch jobs, check to see what might happen to your current pension plan. Determine whether you will get benefits from a previous employer. You may qualify for benefits through the pension plan of your spouse.

TIP! Retirement is a great time to start a small business. If there is something you enjoy doing, think about how you can make a profit from it.

You need to set goals for the short-term and long-term. This will help you to maximize your savings. If you are aware of how much is needed, it will be easier to figure out the amount you will need to save each month. A little math will provide you with small weekly or monthly saving goals.

TIP! To figure out how much money you require, consider that you will likely want to live similarly to your current situation. Going to work now comes with added expenses, but you can expect your retirement funds need to be about 80% of what you pay for things now.

If you have always wanted to start your own business, a good time for that may be during your retirement. Lots of folks do quite well in their golden years by making their hobbies profitable. This can save you money and allow you to keep active.

TIP! Pay off your loans as quickly as possible. Pay off the larger loans to prevent interest from hurting you.

When thinking about your retirement needs, figure that you’re going to keep your current lifestyle. Your estimated expenses will probably be near 80 percent of the current level because you will not have the travel expenses of work. Just know that you shouldn’t be spending money as a free time activity.

TIP! Should you retire and need to save money, downsizing is a good idea. There are many expenses that go into this.

Search for other retirees. Finding a decent group can help you enjoy your free time. Do things retired people can enjoy as a group. It will also be good to have the support you may need.

TIP! Retirement is the perfect time to spend time with grandchildren. Your kids may even use you as a babysitter.

Planning for retirement makes it a great time in one’s life. What have you done to guarantee a comfortable retirement? Reading this article was a great decision, but now you need to actually use the information here to get ready for retirement now.