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 casinosenligne-francais.com, 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.
Everything to know about online baccarat
Baccarat is one of the lowest house margins in the casino, often under 1.06 percent, allowing you to have a reasonable possibility of winning games. Despite being played in casinos worldwide and made popular by James Bond in exclusive high stakes rooms, many people are unfamiliar with this game. If you are a noob to this game, this tutorial will teach you all you need to know to get started. The part of the game’s history is discussed, as well as how it evolved into the popular Mini Baccarat game seen in both live and online casinos. After that, you’ll be shown how to play a basic hand of baccarat before learning about the rules for drawing a third card. You can play baccarat at บาคาร่าออนไลน์ SA Gaming.
Baccarat is one of the most popular card games in casinos. While the real roots of baccarat are unknown, it is thought to have started in Italy in the 1400s. Returning soldiers introduced it to France in the 1490s, and it quickly became popular among the French nobles. Charles Van-Tenac authored a 13-page mathematical analysis of ‘baccara’ in 1847, which was the first definite recorded reference to the game. While there were reports of baccarat games being played in the United States in the late nineteenth and early twentieth centuries, no versions were included in Nevada’s casino gaming legislation of 1931.
Taking A Chance on The Banker’s Hand
This is the most advantageous baccarat wager because it has a lower house edge (1.01%) than the player’s hand or a tie. If you place gaming chips in the ‘banker’ space, you’re betting on the Banker’s hand. You will win that round if the Banker’s hand is higher than the player’s hand. Despite the fact that you will receive the same amount of money, you will be paid a regular 5% commission fee on the winning sum. Baccarat is a casino game that provides players with a thrilling experience as well as incredible payouts. You can play a variety of baccarat games online and live, depending on your bankroll, playing style, convenience, and preferences.
Taking Bets on The Player’s Hand
If you place your gaming chips in the ‘Player’ area in front of you, you will bet on the player’s hand. It has a house edge of 1.29 percent. You will win the bet if the player’s hand is greater than the dealer’s hand at the end of the round.
Taking A Chance on A Tie
To gamble on the tie hand, place your game chips in the ‘Tie’ section. This is one of the worst bets in the baccarat game, and players are advised to avoid it. The reason for this is that it has a significantly higher house advantage than other games, at 15.75 percent. In the event of a tie, bets on the player’s or Banker’s hands will be returned, but you can retain them on the betting area to increase or decrease your wager in the following round.
Baccarat with a live dealer is a popular game.
Live dealer games are important additions to online casinos that attempt to replicate some characteristics of traditional gambling halls. They use a real human dealer and croupier who broadcasts the event live from a studio. Webcams allow players to join in on the action and engage with one another.
Variations on Baccarat
Punto Banco, or Mini Baccarat, is a relatively new variety of the game, despite being the most widespread form of baccarat available in casinos and online. Although there are a total of 24 Baccarat varieties approved by the Nevada Control Board as of 2008, the standard big table game operates in a similar manner with betting against the house. Chemin De Fer and Baccarat Banque are the two most popular versions covered here.
The young players who are England’s hope
An interesting generation of players is growing up in England. Many of them have played for the national team only a few times, but at the same time they are already prominent figures in their clubs. Each of these players has a good chance of playing both at the club level and for the national team.
Bets on national’s teams games are very interesting and profitable for those bettors who know how to analyze the matches. Liontips offers you an opportunity to bet on any national team game.
Dean Henderson (Manchester United; 21)
Many English clubs would like to see Henderson join their ranks. Surely, in most of them, Dean would be number one. However, the young goalkeeper decided to extend his contract with his native Manchester United. Henderson understood that it would be difficult to compete with David de Gea, no matter what condition the Spaniard was in. It is quite possible that Henderson is the future number one not only of Manchester United, but also of the England national team. Now he is seen as a very promising option for the role.
Trent Alexander-Arnold (Liverpool; 22)
Trent is only 22 years old, but he is already a base player at Liverpool, which is very difficult to achieve. It is noteworthy that Alexander-Arnold has never been on loan, and they began to attract him to performances for the first team since 2016. For the national team, Trent made his debut in June 2018. In the national team. Due to his age, Trent is still often mistaken, but he has a great future in the England team if he continues to work on himself.
Phil Foden (Manchester City; 20)
Foden is considered one of the main talents of England. The Manchester City player has been showing himself well for several years, and this season he is especially useful for the Citizens. Foden is useful primarily because he is a versatile player. He can play in any position in midfield, and he feels good in attack. The presence of such a player will add creativity to the team and make the team’s play more varied. Southgate cannot and should not ignore Foden’s talents, which can be used for the good of the country.
Jadon Sancho (Borussia Dortmund; 20 years old)
Sancho is perhaps the most experienced of all the young footballers featured above. The winger of Borussia Dortmund has been playing at a high level for 3 years now, being a base player in the Borussia. In the previous two seasons, Jadon scored 29 and 33 points on the goal + pass system only in the Bundesliga. And these are the indicators that the footballer reached at the age of 18 and 19. For the England national team, Sancho has already played 18 matches and scored 3 goals. This player is a great find for Southgate. Jadon can play both left and right as a winger, and in Borussia he is often used as an attacking midfielder. With such indicators and playing qualities, a footballer is practically guaranteed a place in the national team.
5 Factors to Consider When Choosing Baseball Trading Pins
Is there anything more social than a game of baseball? Ever since the first official baseball game was played in 1846, Americans have loved the competition and camaraderie of the sport.
However, if you want to continue the fun off the field, one of the best ways is by designing baseball trading pins for your team. These are small, wearable pins, featuring your team’s logo—they’re lots of fun to trade and collect!
If your local team is thinking of creating your own pin, here are five factors to consider before placing your order.
When creating custom trading pins, budget is going to be the biggest consideration. Small teams might not have much extra cash to invest in pins, so you might have to shop around to find cheaper trading pins that meet your needs.
However, when thinking about budget, first decide if you’re going to sell your pins—or give them away to fans. If you’re going to sell them, this will recoup your expenses and can even bring in profits for the team.
2. Team Colors
When designing your pins, always be sure to use your team colors! Some teams also like to include their mascot, if they have one.
That way, the pin will instantly be identified as belonging to your team. A reputable pin source should have no problem matching your colors precisely, so your pins are accurate.
3. Special Occasions
Have you considered creating a limited edition pin for a special occasion? If your team just won the finals or celebrated a milestone anniversary, that can be the perfect time to create a special pin.
It’s sure to be a big hit with your fans and supporters as well!
4. Production Time
Before ordering pins, check with your distributor to find out how long the wait time is. Sometimes, custom trading pins are slow to produce and can take weeks or even months.
If you’re eager for your pins or need them by a certain date, always check when they’ll arrive before placing the order.
Another consideration, when designing pins, is size. You don’t want them too large, or they’ll be too heavy to wear on a hat or t-shirt.
However, if they’re too small, no one will be able to see them! Your pin trading company should be able to recommend the best size, based on the complexity of your design.
Designing Baseball Trading Pins Is Easy With These Tips
Your team, your fans, and even your opposition are sure to love the fun of collecting and trading baseball trading pins! To get started, use the tips above to start thinking about your pin design, including the text, colors, and shape
Then, look for an online pin production company that can bring your vision to life! Once your new pins arrive, get ready to watch the eyes of your players light up with excitement!
Did you find this article helpful? If so, please read on to find more informative content and ideas.
Different ideas about Tennis Skirts
A tennis skirt and a plaid skirt, paired with a long-sleeved shirt, are the perfect match.
Collection of ideas for dressing in 2021 style super cute those girls shouldn’t miss. Tennis skirts and plaid skirts that are paired with long-sleeved shirts that are super cool, definitely not out of trend. Dressing that is suitable for mini size girls; small girls should not miss it.
Hello all lovely girls. Now the confidence of girls like us there must be a dress to enhance our confidence for sure. Today, I will introduce the most popular dressing among girls like us with dressing. Tennis skirts and plaid skirts, paired with long-sleeved shirts, are super cool and definitely not out of trend. With a dress that is suitable for mini size girls, sport girl style, small girls should not miss out on girl item if you miss it, you won’t be cute and can’t keep up with trends. Let me tell you.
Let’s go to the first look. With dressing a tennis skirt paired with a long sleeve shirt. Dressing up this look is a brown plaid tennis skirt. With a long-sleeve sweater without a brown pattern it’s a turtleneck shirt that comes out and goes very well with everyone.
- 1-Dressing like this is designed in the style of a sweet, cute girl. Tennis skirts are suitable for small girls and tennis skirts with pockets looks more beautiful to wear. Because the important things we can put in pockets. It will easy to wear according to fashion. Skirt itself must be short for sure if a tall person wears very short indeed but this look is very easy to find.
- 2. Let’s continue with the second look. We continue with the look of the dress. The cutest tennis skirt in brown tones again. But the style of dress is not the same because this look is wearing the same tennis skirt, but it is a light-colored plaid pattern. The grid pattern is big and this pattern is very popular. It’s really good. Personally, that shirt will be a hoodie. Isn’t it weird if the hoodie is worn with a skirt? Or will it be beautiful to wear it out? Take a look at the pictures that I have suggested. That everyone is so cute Guaranteed or guaranteed. Put it out and look cute for sure.
- 3. Let’s move on to the third look. This look comes in sweet tones. This look will be a sweater as well but different in that this shirt has a button on the front that can be worn full. Or it can be worn as a coat. Because it can be worn in two ways wear it anywhere, it’s super cute. Personally, the skirt is a little grayish purple. And the plaid pattern is cut into light brown, very well matched. Suitable for little girls if a chubby girl or a tall girl , chubby girls when wearing tennis skirts will make the skirt very short and may be easily porn. The girl is the same, but may not be as obscene as it is plump.
- 4. Let’s move on to the next look. It will be exactly what we will recommend. outfit ideas with Best dressing style tennis skirt and popular patterns such as plaid skirts as well Continue to this look It’s a black long sleeve t-shirt. The skirt itself is a solid color. It’s all gray. If you want to wear it to look a little cool, I recommend a white skirt and a black shirt. Or it’s all black; it’s the most bangs for the buck.
- 5. Let’s move on to the 5th dressing style. It’s a dress that’s chill, but when it comes out Bang, not expensive, wearing a sweet skirt at all. With this look, it’s a sport girl look that can be worn for exercise and can continue walking in the mall because this sport girl is mixed with the cool Korean style. At the end of the workout, I still wear it like this and continue walking in the mall. Is to say that it’s a chill look but it’s the coolest.
6. Everyone comes in the form of a cute little girl friend. It’s a look that is paired up and fits very well. Because what is it you know? Because she wears exactly the same outfit the only difference is the color but must be friends with the same style definitely not arguing with the dress. Dress up for girls or may not be the same But the color goes in one direction, it’s passed. Dressing up this look is a plain tennis skirt. There is no pattern at all. And wear it as a white t-shirt with only the skins embroidered with stylish letters Wearing just this is cute (and then) but try it and you’ll love it for sure because it’s so bang.
How COVID has impacted US sports
There is no doubt that the deadly Coronavirus infection that swept across the world in early 2020 and continues to remain in the middle of 2021 has had a huge impact on the way the world is and will likely be in the near future.
The entire world’s population have had to change the way they live and have all had to make sacrifices that many would have thought unimaginable at times, whilst businesses have all had to struggle to cope, with many having had the heart-breaking realisation that they needed to stop operations as they could no longer sustain operations.
The sports industry is another that has felt the impact of COVID in the past, with US sports one such sector that has felt the impact strongly.
Admittedly, sports have since returned to near-normality in many parts of the world, although full attendances are still something that is not quite as prevalent in some countries as it is in others, however there appear to be some encouraging signs that things are rather positive, such as the fact that Colorado sports stadiums are lifting restrictions already according to gamblecolorado.com.
Indeed, that is a great thing for many of the American citizens, as sports continue to play a large role in their daily lives as it is a cultural thing and something that many are extremely passionate about.
However, there was not always a positive outlook on things; especially during the COVID-19 outbreak.
Sports viewership was actually down
In America, it would seem mad that sports viewership would be down during the outbreak of the deadly virus, however data found that this was the case.
Although there were plenty of events continuing to take place – albeit without fans in attendance at stadiums and venues – the viewership had declined. There are a number of different reasons as to why this may have happened, with many pointing to the fact that talking about sports is a social event in itself and with people unable to mix, there was less of a need to watch what was happening.
Despite the fact that the NFL, NHL, NBA, WNBA and top Golf competitions all took place, as well as horse racing events and other sports, there simply appeared to be less interest in watching them on TV. It could, though, be argued that the decline was more down to the casual viewer rather than the sports-mad viewer, though.
US Sports not bringing in the same revenue
One of the biggest things that many will associate with the COVID outbreak – aside from the fatalities experienced – is the damage it did to the overall economy on a global scale. Almost every single person in the world will have been impacted in some way, which will have meant that less money was being spent.
In addition, sports teams were hit hard in the US as fans were unable to buy sports tickets or go to venues and buy merchandise or visit a food cart and purchase food and drink, therefore meaning less and less money was being generated by the organisation.
The lack of money will have had a huge impact on the US sports industry, as many would have been feeling the pinch, whilst it will have had a greater impact on the community that they are based within, as well. Sporting events have a huge impact on the local area, but with COVID, that impact will have been devastating.
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