Connect with us


Retirement Tips Savings for Stay at Home Moms



Many women when they have the option choose forgo working outside the home or place their careers on hold because they recognize the value of devoting their time to raising their children. While it is easy to admire women who make their children the priority, as Suze Orman, internationally known personal finance expert, noted in a tweet, stay at home moms shouldn’t forget to think about saving for retirement.

Many stay at home moms may not feel the need to worry about financial planning for retirement, choosing instead to rely on their working spouse to take care of it. The unfortunate facts however is that in modern life, incidence of divorce is high not to mention that spouses are unexpectedly lost every year to illness and accidents.

What happens when stay at home moms forgo saving for retirement for years only to find themselves single again due to unforeseen circumstances? The inconvenient truth is that despite the hard work they do caring for the kids and maintaining the home, stay at home moms don’t get 401k plans. They could one day find themselves in a catch up mode with regard to retirement savings and face a less than rosy picture with limited retirement options.

Money for Retirement and How to Get it

According to website, there are a number of possibilities when it comes to coming up with cash to stash in a retirement fund. Possibilities, limited in fact only by imagination.

  • Collect change and stash it in a jar. Whenever the jar gets full, empty it and deposit it in an account earmarked for retirement.
  • Any money that can be saved on things like the monthly grocery bill could be converted to retirement savings. Clipping and using coupons could increase savings substantially.
  • Funds realized from garage or rummage sales could be put towards retirement.
  • Income from part-time, self-employment is another good way to find money for retirement. There are numerous flexible opportunities to earn money from home. As an example, moms with writing talents can easily earn $10 – $50 per article writing web content.
  • Some people make a fair amount of money selling used books through Amazon or selling crafts on eBay.

As can be seen, the sky is truly the limit. Many ways of finding money for retirement are available with a little due diligence and willingness to look for them.

Where to Invest Retirement Savings

Coming up with a simple retirement plan can actually be simpler than many people might imagine. Once means of acquiring money for retirement are discovered, the next step is deciding how to invest it. For stay at home moms without any earned income, IRA eligibility rules, unfortunately remove them as an option. A person must have at least earned income equal to amounts contributed to an IRA . However, there certainly are some better options than not having any retirement fund at all.

Certificates of deposit, money market accounts, high yield savings accounts and even U.S. Savings Bonds are all good possibilities for use as retirement savings vehicles for those ineligible for an IRA. Having a source of part-time, self-employment income really expands the opportunities available. With earned income, even a Roth IRA is a possibility. Even if there isn’t enough money available to get anywhere near the annual contribution limits, saving a little is definitely better than not saving at all. Need a little proof? Saving just $100 a month and depositing it into an account earning 2% interest, thanks to compounding would amount to $6,315 in only five years, $13,294 after 10 years and $29,529 after 20 years. Even Savings Bonds pay better than 2%.

Mutual funds are another good option to consider. By investing in a good mutual fund better rates of returns could be obtained that would help small amounts of money grow even faster. There are a number of mutual funds available that can be purchased with as little as $50 per month by signing up for a systematic savings plan.

Retirement plans are too important for everyone to neglect having them. With a little imagination and work, stay at home moms can find money for retirement and find ways to save it towards establishing a secure future no matter what life should bring.

IRA Retirement Plan Benefits

An individual retirement account (IRA) is a tax-deferred retirement savings plan that allows people to take advantage of compounding interest that grows over time until the person is able to begin making withdrawals upon reaching age 59-1/2. However, the world of IRAs is broad and diverse with numerous subtypes that include small businesses and the self-employed.

How Does an IRA Differ from a 401(k)

A 401(k) is an employer-sponsored retirement savings plan that allows employees to start saving money for retirement by setting aside a certain percentage of the employee’s paycheck toward contributions. Retirement savings from the 401(k) is tax-deferred, meaning the person is taxed only at the time of withdrawal after age 59-1/2.

Like the 401(k), the IRA is also tax-deferred, incurring taxes only when the person goes to withdrawal IRA funds after age 59-1/2. However, many IRAs are not employer-sponsored, thus contributions are made directly by the individual rather than coming from his or her paycheck. Furthermore, non employer-sponsored IRAs do not provide matching.

What are the Types of IRAs

Many IRAs are individual rather than employer-sponsored. This means that IRA contributions are made separate and apart from regular contributions deducted from an employee’s salary. However, IRAs do exist for small businesses and the self-employed. The types of IRAs vary from the traditional IRA, Roth IRA, SIMPLE IRA, SEP IRA, self-directed IRA, and the Coverdell Education Savings Account.

  • Traditional IRA. With a traditional IRA, taxpayers can enjoy a reduction in taxable income since contributions are tax-deductible.
  • Roth IRA. The Roth IRA adds a bonus to the IRA landscape: tax-free withdrawals. While the taxpayer isn’t able to enjoy a reduction in taxable income from contributions, the Roth IRA is tax-free upon withdrawal of funds starting at age 59-1/2 or when the person retires. This option is good for those who anticipate being in a higher tax bracket upon retirement.
  • Self-Directed IRA. Self-directed IRAs allow a person or entity to make investments on behalf of the retirement plan, including directing the way individual funds within the IRA are allocated.
  • Coverdell Education Savings Account. Formerly known as the Educational IRA, the Coverdell Education Savings Account (ESA) is a type of IRA that allows people to save for educational expenses from grade school through college. The ESA is unique in that it provides not only tax breaks on contributions, but it also provides tax-free withdrawals.

Continue Reading


Discover The Sun Online Bingo Website




You can learn a lot about the game of bingo by collecting a copy of the Sun newspaper. Multiple information is presented in the Sun newspaper for playing bingo games for free. Much is still known about the long tradition of offering readers a free bingo game. Bingo Perfect is designed to be played every day of the week. You would be surprised to know that the Sun is making special efforts to join other dailies published in the United Kingdom. Sun has launched its own online bingo site so its popularity rate is increasing day by day. They will publish newspapers about sun own online bingo sites.  Sun Bingo is a site where players don’t want to leave once they enter. Sun Bingo game offers to attract any player very easily.

The Sun Online Bingo Website

The feature of the sun bingo card is that players will get a blank space that is filled with 41 numbers. If you read the sun bingo review you may clear it all. California Sun, Black Hole Sun, Sun is Shining, Sunshine on my Shoulders, You are the Sunshine of my Life, Sunny Afternoon, Good Day Sunshine, Soak Up the Sun, Summer Love, Under the Boardwalk, Sunshine Superman, Summer in the City, All Summer Long, Hazy, Crazy Days of Summer. This is a good time to realize the £ 50 bingo bonus by depositing Sunshine of Your Profits.

To play sun bingo you spend £10 to get 50 free spins. If you do not use the free spins within 48 hours, you will not get a chance to use them later. Sun Bingo helps players to play 30x bets. Sun Bingo is one of the most popular gambling sites in the UK. Sun Bingo is a significant online gamble so the number of players here is much higher. Almost everyone is aware of Sun Bingo.

Gambling is a British entertainment that you will find in bingo games. This is a significant choice for those who like to play games online. Choose if you want to get a significant alternative like the Sun Bingo Platform. This is a recognized website for enjoying bingo games and will help you to play some types of gaming.

San Bingo websites are not like other websites. Here are the best styles to get the most bonuses and spins. Even a few years ago, people were not interested in playing online bingo games. But now a variety of offers are also helping to increase cash flow. So the trend of gamblers is now mostly seen on online platforms. Any pair of players who do not yet know much about the San Bingo website should read the San Bingo review carefully. Sun Bingo is equipped with enough features to prepare you as one of the best betting players for online gambling.


For bingo gambling, you should consider without following the Sun Bingo website to enjoy the benefits of a suitable bonus offer. Here are the freest spins and bonus offers for any player. Hopefully, a bingo sites guru will occupy a place as your best choice for gaining experience playing bingo games.

Continue Reading


Important to participate in online casino games?



online casino


There are many people who think the casino is a heinous game. But casinos are not good at all, they can play a special role in every person’s life. Online casinos play a key role in reducing unemployment and are a great platform for retirees to spend time. There are many states in the world where there is no legal validity for playing casinos. But through online casinos, any president can easily participate in the games. Did you know that online casinos have been declared legal? And with the help of an online casino, you can get acquainted with different types of betting. Only those who have a lot of intelligence prefer these platforms. So if you want to develop yourself as an intelligent person, you can do so by gaining membership in the casino site.

Here are some notable benefits of playing casino

Courage to take on challenges: You have to be much more courageous to bet on casino sports games. Gamblers who participate in these songs are much more adventurous. Online casinos require investment to participate in sports games. So there are a lot of players out there who take on challenges with big investments. So it can be said that a casino is such a platform, that any person from here, will be able to create the courage to take up the challenge.

The ability to consider the right things: To play a casino, the first players of any website need to gain membership. The first thing you need to do to play casino is to find a trusted site. is still known as the number one trusted casino website and has a large membership. So as a new player if you can choose the right website in the first step then the next steps will be much easier for you.

Treasures to earn real money: Many people may have heard that you can earn real money by playing games online. Yes, you heard right, Casino is a platform from which players can earn $500+ on a regular basis.You can be able to make money if you move forward through a proper game. New players will not understand which game will be the best option for them. Gonzos quest slot is one of the most popular ways to earn real money. These slots provide all kinds of support for real-life experiences.

Survival of the fittest: Online casino games are made up of many large boards and there are many more competitors. By participating here, you can use your talents to the best of your ability to survive in the competition. Casino poker will not be a complicated issue if you are a seasoned player.If you claim to be back in any competition, you can come to the casino platform and prove it.

Final words

You can subscribe to casino games at home, and you can even play games by entering sites during office break time. There is no obligation to play an online casino so you can start participating in any one slot game of your choice.

Continue Reading


Ultimate Guide on Golf Equipments



Golf Equipment

The essentials that are used for playing golf are known as golf equipment. Here are some golf equipment are given below:


Golf clubs are one of the most important pieces of golf equipment. The clubs come in a diversity of sizes, measures, and handle materials, and you must be conscious of all the kinds. The shaft of clubs is usually made up of graphite or steel. The clubs come in two styles one is a full cast and the other is a forged club so you can choose according to your choice.

Golf Bag

The bag that is used to keep different items related to golf is called a golf bag. The golf bag is used to keep your golf gear safe and in one place and in this way you can easily carry your all gear with you. Golf bags normally arrive in leather or canvas, and occasionally other high-quality materials. Since they’re holding around weighty metal clubs all time, it’s one important that you can’t skimp out on when it arrives in quality.

Golf balls

The golf balls are of two distinct kinds: double layers and multilayers.

Double layers normally have a contraction rating that’s under 90, indicating that it’s good for elevated handicap participants.

Anything 100+ is more suitable for inferior handicapped participants with lower than a 4. When you’re buying golf balls, retain in mind that they can serve for many years if you use them carefully. They’re condensed in the middle to permit for more significant bounce and can have distinct dimple layouts for a full spin while in the air. 

Ball Markers

A golf ball marker is a relatively tiny object utilized to mark the place of a golf ball on the ground. This is accomplished to permit other participants to putt, allowing you to determine up to your ball. Without a marker, your ball would likely block the queue of other participants. There are two kinds of ball markers. There are the things you put after your ball to mark it when you release it from the ground. 

Continue Reading


CS 1.6 tips for players





In this article I will tell you some useful things that will make the game much easier if you are a beginner (you want to have more frags than deaths, don’t you?), however, their observance will not be superfluous for veterans as well. These tips are general, be aware that for in-depth study aspects of the game in Contra need to work through all its features and capabilities and sharpen them to the state of automatism, only then you will become a real ABM. Let’s begin!Do not have CS 1.6 Download here.

How do I make heads?

This is the most worrying question in all of kontra, and not the most important one at that. Every player wants to learn how to ace and give out headshots. There are three main criteria in the art of headshotting:

  • -Knowledge of shooting modes
  • -An accurate mouse + finely tuned config
  • -A trained reaction time.

Knowing your firing modes allows you to shoot most effectively with your gun. Single shots are good for long and medium range (it depends on the barrel) where the accuracy is most important, for the medium range shooting in bursts (3-4 shots) is also good, finally, only close range shooting allows you to use a spray, i.e. shooting with the trigger held down. Some weapons (Famas, glock) have a burst mode.

Over time, players get used to shooting and switch to static sights to mow down opponents like grass. The better the mouse, the more the hay can be reduced. It is logical that when shooting single shots or in bursts you should aim at the level of your head and if possible keep such a position of a sight during the whole game (that is why static aim). In the fleeting battles or in duels with frisky opponents the probability of a headshot depends on your reaction speed, i.e. you need to shoot on time and constantly watch the movements of the enemy, unfortunately I do not know the best way to achieve a high reaction speed, except for the constant training with experienced opponents.

Neglecting the rest of the CS skills will not lead to anything good. You’d be surprised, but the best cybersport teams don’t pull their matches at the expense of aime. At that level, everyone knows how to put a head on a half shot, but it’s primarily chemistry and smart tactics that win.

Why count the money?

In the cruel world of kontra the poor are always weaker and worse than the rich, as playing with stick-shooters against cool guns is a drain in most cases. It begs the legitimate question, why buy a gun when you’re already getting slaughtered? This tactic is called eco-round, because it allows you to play sparingly to buy a decent gun for the next round, while spending money on SMG, shotguns and so on is almost doomed. Good odds are always better than bad, better to fail once and take revenge than to fail constantly, countig on luck.

Continue Reading


The Ways Montella Cycling Use To Make Cycling Activities Fun




Montella Cycling

Many health professionals acknowledge the benefit of cycling. We can see people of any age and background enjoy cycling a few miles from their homes. 

At the same time, cycling is not always enjoyable for some people. Sometimes, people do not need to “just cycle.” Their needs vary from looking sharp while cycling to making sure their cycling equipment is safe enough for the long run.

Montella Cycling is an initiative from two biking enthusiasts to make your cycling activities fun. Here are the ways we do in Montella Cycling to make you fall in love once again with cycling.

Provide cycling products that fit (almost) everyone

Cycling jerseys are the products you will see the most on Montella Cycling’s official website. Not only that we sell cycling jerseys for men and women, but we also pride ourselves in selling cycling jerseys that fit almost every person’s body type you can find even plus size cycling clothing here.

La Vie Claire, Camouflage, and Stripes are some of the most popular patterns for our cycling jersey products. Our men and women cycling jerseys are available in long and short sleeves. In addition, you can customize the cycling clothing products’ patterns as much as your budgets are.

We don’t stop selling cycling attires since we also sell cycling bibs and jackets. We also offer you various cycling kits and accessories, such as cycling caps, compression socks, and bike covers that match your selected cycling clothes.

Tons of ways to save money

You can see some of the most competitive promotions in our Sale tab when browsing our cycling product selections. There, you will find more than 800 items with discounted prices. Sometimes, best-selling products can belong to the “Sale” category so that you can save more money.

We also sell digital gift cards worth $30, $50, and $100. These cards are not only for you who are unsure what to buy on our website, and you can either use the cards’ unique code to discount on your next purchase or gift them to your closest ones. Either way, you save money by applying for our digital gift cards when buying our products through our website.

Even though you don’t buy the Promotional products or the digital gift cards, we can still assure you that our product price ranges are far more competitive than our other competitors. Since our store is 100% online (hence no need for warehousing etc.), we can set the price ranges more economically. That way, you can enjoy cycling activities once again.

Our commitment to serving you

We acknowledge that almost every company aims for high-quality products that serve their customers’ needs, and we are no exception. However, every company has different ways of defining and addressing high-quality product needs.

Performance and durability are two key traits that we emphasize in our products. After all, as biking enthusiasts, we understand that cycling is a complicated sport that you need to wear the best outfits and use the best kits to shine.

These days, we’ve upgraded our classic cycling jerseys to the lightweight 120 GSM mesh with soft texture and properties that absorb moisture well. Hence, our cycling products become more long-lasting to accompany your cycling activities.

Continue Reading