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This step-by-step guide can help you develop a realistic savings plan.

+Record your expenses. ...
+Make a budget. ...Plan on saving money. ...
+Set savings goals. ... Decide on your priorities. ...
+Different savings and investment strategies for different goals. ...

+Make saving money easier with automatic transfers. ...
+Watch your savings grow.

Do you have system like this? Can you afford to save? Contact us for more information how you can save, and even make money with your existing domain, including donation, and saving in gold, with minimum investition and option for maximum wealth. 

 

 

 

 

 

 

 

 

 If you want to make money, start thinking what can you do to help change others’ lives for the better? The more value you create, the more money you’ll make. The more you can enhance their lives, the more they’ll want to pay.

 

Of those whose incomes were less than $25,000, 38% had $0 saved, and 35% had less than $1,000. People who earned more fared better, but still reported low amounts of savings in savings accounts. Of those with incomes of $100,000 to $149,999, 18% had $0 saved in a savings account, and 26% had less than $1,000. And for earners of $150,000 annually or more, those numbers dropped slightly to 6% and 23%, respectively.

 

“Our issue is we’re spending before we even save and then never look back”  “A spender is always a spender.”

Despite income levels, it seems that “many people fall into one category or the other, spenders or savers.”

 

Particularly for people with lower incomes, “You really need to live within your means and cut expenses wherever you can.”

“The bad side is they can’t afford to retire, the good side is, they enjoy their jobs and they want to keep on working,”

 

Retirement accounts often aren’t sufficient either, considering the shortfalls of women’s salaries compared with men’s means their account balances will be lower, stretching fewer dollars in the long run.

“Women are responsible for a much longer lifetime than men are,”

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

“These days, the solvency of Social Security and just about every government program is in question. Pensions from corporations have all but disappeared. And with interest rates near zero percent, government bonds yield less than 2%,” Dyson said. “Add to this the coming volatility in the stock market as ‘The Great Unwinding’ unfolds.”

Clearly, it might be time to re-evaluate your approach to your Golden Years.

 

Then there's the scary part: planning for a retirement that might last a whole lot longer than anyone could have realistically predicted. Budgeting to 80 years old is scary enough. Try tacking on another 20 years or so to the forecast.

 

Will retirement savings last another 40 years?

Case in point: The ludicrous notion that the average worker will be able to save enough during a 40-year work life to live off accumulated wealth for another 40 years in retirement.

Say you start working at 20, retire at 62 and live to 100. Using conservative investment and wage assumptions, you’d have to save about 31% of your earnings every year from the time you started working until retirement to maintain your pre-retirement income until you hit the triple-digit age, calculates Henry Aaron, economist at the Brookings Institution. A life expectancy of “only” 80 years? Your annual savings rate would still need to be a hefty 20%!

The reimagining of retirement has begun

Now, before you sink into despair, there’s no good reason for this bleak future to emerge.

An aging population is already reimagining the second half of life. Instead of the traditional employment on/off switch — work full-time and then full stop — growing numbers of boomers are earning an income well into their traditional retirement years, typically embracing part-time and flexible work.

Earning a slim, part-time income in the traditional retirement years makes a big difference to household finances. For example, bringing home $20,000 in part-time earnings is equivalent to withdrawing 4% from a $500,000 retirement savings plan. (4% is a rule-of-thumb withdrawal rate in the personal finance industry.)

Reform efforts must focus on accelerating the trend toward longer work lives and on measures that will reassure tomorrow’s centenarians that they’ll enjoy a secure income for the rest of their lives. Overhauling long-term care for the frail elderly is a much tougher task, but the tantalizing outlines of a more humane and cost-effective community-based system is beginning to emerge.

 

As you contemplate retirement, you’ll want to answer some key questions: What kind of standard of living can you afford? Will you have to keep working? And how do you stretch your savings to make the money last?

 

What surprised me — really surprised me— is how simple a retirement income plan can be. So simple that you can manage the investments and withdrawals yourself.

 

For the first half — the near-term 10 years or so — holding safe or low-risk CDs or bond mutual funds makes a lot of sense. You need a reliable source of money in case stock prices decline.

 

But to fund the second half of retirement — starting 10 or 12 years from now — you’ll need to own investments that grow, by buying and holding two or three well-diversified stock-owning mutual funds. When you do this, you’ll still be an “income investor.” Future capital gains create spendable income just as interest and dividends do.

 

We’re not on the shelf (yet!). We have lots to contribute and the time to find our place. What gives us this freedom of mind and action is having an income that we’re sure will last for life. After you build that income, adventure calls.

 

Having muscle is more than just strength and how you look on the outside. Muscles play a role in your body’s movement, balance and posture. That’s why when we lose too much muscle, it can cause things like falls or fractures. Muscles also play a role in your metabolism and facial structure and how your body consumes and uses oxygen when you are exercising.

 

You should eat to build back up.

 

That’s another reason why it is important to get the right way as you get older. It can help you live longer and rebound more quickly from life’s ups and downs. Keep domaining, along with exercise, top of mind as you age to stay vibrant, healthy, and strong while builiding any business you want.

 

How long should we live? Is the age of death for the average American (78.8) about right or should science continue trying to expand life expectancies?

 

How many years do you get for a major felony? Do you stay in jail for 300 years?

 

Wolpe brought up the issues of overpopulation, over-utilization of resources, strain on social services and the prospect of working for 150 years. “We work for 50, 60, 70 years and then we’re tired. We’re still going to be tired if we live to be 200. So the idea that if we live to be 200 we’ll work for 150 years and then retire just makes no sense to me.”

Further, he asked, what sort of retirement would it be? “We already have retired older people who spend their days nonproductively.”

Prolonged life also allows older people to accrue greater wealth, contributing to financial inequality.

 

“Maybe we’re going to be bored. Well, you know, if you ask me: ‘Do I want to have cancer at 75? Do I want to have Alzheimer’s disease at 85? Or do I want to be bored at 110?’ I know which one I’m going to take,” said Kennedy.

 

 “Is my goal to live as long as possible for the purpose of living as long as possible or is my goal to live a healthy productive life and die whenever I happen to die? I’m not actually sure we’re as far apart as we might seem, but the proposition we were supposed to address was the nature of life extension itself and whether that in and of itself is a worthy goal. That’s where I draw the line.”

He closed by saying, “When life is infinite, what’s its value? Do I want to live forever? Sure. I have that survival instinct that all organisms on this planet have. But I think we’re greater than that as human beings — greater than pursuing life for its own sake. Life’s beauty and preciousness is partly due to its transience and the bittersweet knowledge that we will all die and that through that transition, other lives will live and flourish. And I think the most noble part of who we are as human beings is exactly that — is our willingness to give our lives, our willingness to discount the value of ourselves for the benefit of others.”

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Saving is for everyone

Surviving Economics collaps.

This is the story of your life, or maybe not?

Buying a gold and silver It is form of saving and protecting you have.

Domain is in your ICANN house, 

DCC is your Foundation of business

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