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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.

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Ways to Watch the FIFA World Cup 2022 in Canada



If you’re near Canada during the FIFA World Cup this year, tune in. The 2022 tournament will be one for the history books, and there’s no way to experience it better than here in our beautiful country. Whether you’re a soccer fan, there are plenty of ways to live stream the World Cup. From live streaming services to pubs and bars rooting for specific countries, there’s a way to get your fix anywhere in Canada. So whether you’re at home or out and about, make sure you tune in to what promises to be an incredible event.

How to Watch Qatar World Cup 2022 in Canada

Those in Canada who want to watch the FIFA World Cup this year can do so by following these simple steps:

  • Purchase a TV subscription or antenna.
  • Select your provider and sign in.
  • Enter your zip code to see which channels are available in your area.
  • Select the channel airing the World Cup games and start watching!

How to Watch the FIFA World Cup on TV

If you are in Canada, you can watch all of the matches from the FIFA World Cup on TV. The tournament will be aired on different channels from June 14th to July 15th. To find out which channel is airing which matches, head to Bell Media’s website and clicks on “FIFA World Cup Canada TV schedule.”

Alternatively, if you want to watch all the matches online, you can do so through CBC’s or Sportsnet’s websites. Both websites have live streams for every single match.

How to Watch the FIFA World Cup Online in Canada

There are a few ways to watch the FIFA World Cup online in Canada. You can watch the matches on major streaming services like Netflix, Hulu, and Bell TV. Alternatively, you can purchase a cable or satellite subscription with access to certain channels that broadcast all of the games. If you don’t have cable or satellite, some live-streaming services offer a limited number of World Cup matches for free. You can watch the World Cup on mobile devices using apps like FuboTV and DAZN.

How to Watch the FIFA World Cup with a VPN

Many people are interested in how to watch the FIFA World Cup in Canada, but they are not sure where to start. Fortunately, there are a few ways to watch the tournament without going through major broadcast providers.

The first option is to use a VPN. A VPN will allow you to spoof your location and access content normally restricted to residents of specific countries. This means that you can watch the World Cup from anywhere in the world.

To use a VPN for the World Cup, you will first need to find a provider who offers service in Canada. Once you have found a provider, sign up for their account and download their software. Once you have installed the software, open it and click on the “ Asia Pacific” tab. Select Canada as your destination country from here and click on the “Connect” button. Now all your traffic will be routed through their servers, meaning that no matter where you are in the world, you will be able to watch live soccer matches courtesy of your VPN service.

If streaming is more your thing than watching live matches offline, then several options are available to you. Several major streaming platforms offer dedicated channels specifically for the World Cup tournament, including Netflix, Hulu Plus, and Rogers TV (among others). Simply search for those channels once you have logged into those services and enjoy all of the matches uninterrupted!

How to Watch the FIFA World Cup in Places Other Than Canada

If you’re not living in Canada and don’t have access to the World Cup on Fox Sports 1, here’s how to watch the FIFA World Cup in other parts of the world.

In the Americas: Univision Deportes will air all 64 matches live in English and Spanish. To find out which channel your local Univision station is on, visit their website or check your TV listings.

In Europe: The tournament will be aired live on BBC1, ITV4, RTÉ Two, Sport1, Star Sports 2/3 (India), Fox Soccer Plus (Australia), and GTV (New Zealand). All matches can also be watched online at or via the BBC iPlayer app. If you’re outside of Europe but want to watch some of the match replays, they can be found on fuboTV.

Internationally: China National Television is airing all 64 matches live in Mandarin with English subtitles, and France Télévisions is airing all games live with simultaneous French and Spanish audio. In Australia, Foxtel is broadcasting all games live with exclusive Australian commentary and highlights show A-League Live from 7 pm AEST every night throughout the tournament, including post-match analysis & interviews from experts & celebrities.

  • Additionally, Telstra TV offers a free seven-day trial so that fans can watch all games LIVE, including group stage action & last 16 matches without ads PLUS exclusive post-match analysis & interviews from experts & celebrities. To find out more and sign up, head to
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FIFA World Cup Qatar 2022: A Look At This Year’s Tournament, Competition & Hosts



FIFA World Cup Qatar 2022

This year’s FIFA World Cup will take place in Qatar, and the excitement is already building. Here’s a look at the tournament, the competition, and the hosts.

The FIFA World Cup is the biggest international football tournament in the world. It’s held every four years, and it’s happening in Qatar this year. The Qataris have been working hard to ensure everything goes smoothly during the event, and they’ve done a great job so far.

32 teams compete in this year’s World Cup, with some of the most famous names in football (like Spain and Germany) joining up with some new faces (like Brazil). There are also some very exciting matchups to watch (like Portugal vs. Argentina), and it should be a fantastic spectacle.

Qatar is hosting this year’s World Cup, a coup for them. The country has always been a big supporter of football (especially as an Olympic sport), and they’re hoping the World Cup will bring much-needed tourism to their economy. So far, things seem to be going well – hopefully, it stays that way!

What is the FIFA World Cup?

The FIFA World Cup is the world’s biggest international football tournament. It is an annual event that takes place every four years. The tournament is usually held in a different country, but it is being held in Qatar this year. You can visit for the latest news updates.

What are the details of this year’s tournament?

This year’s tournament will have 32 teams competing. There are 16 teams from Europe, South America, Africa, Asia, and the host nation Qatar. The remaining 16 teams comprise CONCACAF (North, Central America, and the Caribbean), Oceania, and South America. The competition will be played in 10 venues across five countries – Russia, Brazil, Mexico, Argentina, and Uruguay.

Who are the hosts for this year’s tournament?

Qatar was chosen to host the tournament because of its hot weather and lack of infrastructure. However, they have struggled to find a suitable venue for the event. It is hoped that the World Cup will help to improve the country’s image abroad.

Entry into FIFA World Cup 2022

The FIFA World Cup is an annual international football tournament contested by the national teams of the member associations of FIFA. The tournament is considered the most prestigious international sporting event in the sport and one of the world’s biggest sporting events.

This year’s tournament is hosted by Qatar and will be contested by 32 teams. Group stages will take place in Europe, Africa, and Asia, with the top two teams from each group proceeding to a 16-team knockout stage.

This year, the competition is expected to be very competitive, with many teams looking to make it to the knockout stage. The hosts Qatar are favorites to win the tournament, but several talented teams compete in this year’s event. Stay tuned to Surprise Sports for all the latest news and updates about this year’s FIFA World Cup Qatar!

Qualifiers and Groups

The FIFA World Cup Qatar 2022 will be the 21st edition of the international football tournament. The competition will be held in 12 countries, with the host nation Qatar playing all their matches in Doha.

The World Cup qualifiers started in September 2016 and ended in November. The 24 teams that qualified were divided into six groups of four teams. The top two teams from each group went on to compete in a “knockout stage” where the winners advanced to the next round. The eight teams that made it to the knockout stage were: Portugal, Spain, Morocco, Argentina, Belgium, Croatia, England, and France.

Qatar was one of the original hosts for the World Cup back in 2010, but they had to withdraw due to political unrest. They re- Hosted the tournament in 2014 with relatively few problems. This year is expected to be even smoother since they have implemented many new safety precautions and hired more security personnel.

The World Cup Qatar 2022 will be a huge event and will surely bring excitement not just to Qatar but also to the other countries participating in the tournament.


This year’s FIFA World Cup Qatar is set to begin on Thursday, June 14th, and run through Sunday, July 15th. The tournament will see 32 teams compete for the title of world champion. Matches will take place in 12 different Doha stadiums and six other Qatar cities.

Qatar has been chosen as the host country for this year’s World Cup because of its well-developed infrastructure. The nation has already completed work on several stadiums used during the tournament. These stadiums include the Khalifa International Stadium, which will be home to the Qatar National Team, and the BayArena Stadium, used by both the Qatari and German national teams.

This year’s competition is especially intense, with many teams vying for a spot in the knockout stages. Some of the most notable teams include Brazil, Spain, Germany, Argentina, Belgium, Portugal, England, and France. Brazil is considered among the favorites to win this year’s World Cup due in part to their impressive track record in recent tournaments.


The FIFA World Cup Qatar 2022 will be taking place from November 21st to December 18th this year, and it promises to be an exciting tournament. In this article, we look at the competition and hosts for this year’s event and our predictions on who will win. Although there are some predicted favorites, anything can happen in a World Cup tournament. So whether you’re looking to get into the spirit of things or simply want to know what you should watch out for, read on!

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Online casino technology- the future of gambling




Online casinos have replaced conventional casinos throughout the last few years. From the first introduction of online casinos in 1994 in the hand of Microgaming, online casinos never had to look back. Gambling lovers worldwide have accepted it much like physical casinos, and even more than that sometimes. With impressive online casino technologies and lots of top-notch game providers, online casino is recently dominating the gambling industry. 

But, what about the future of online casinos? To learn more about online casino technology and the future of gambling, keep reading this guide until the end.  

The top three reasons behind the ongoing craze for online casinos among gamblers 

  • More convenient 

People these days are extremely fond of convenience. Therefore they look for convenience, even if it is gambling. Therefore, modern online casino technology, being highly convenient, provides punters with the much-needed autonomy of using casino applications and websites from their comfort zone. They no longer need to go out and visit a physical casino to play their favorite casino games. That is why the love for online casinos among the future generation will surely increase. 

  • Easy to access 

For playing games in online casinos, all you need is a mobile device, laptop, computer, tablet, etc., and a strong internet connection. So, if you have these essential things handy and you are over 18 years old, you can easily play any casino games of your choice. It lets you get your hands on a massive collection of games inside one website, including tables, slots, roulette, live casino games, and more. Download the best mobile casino now. 

  • Cost-effective 

You must pay for the games you play when you visit a physical casino. However, the casinos cover all convenience fees, maintenance fees, and other things. So, the entire cost comes out to be quite expensive. But, you do not need to pay those extra fees with online casinos. Many casino websites offer inexpensive casino games for everyone. So, affordability is another reason why people love online casinos these days. 

Different new technologies used by online casinos 

In recent years, several new technologies and development strategies are getting used by online casinos to improve the user experience. Let’s have a look at some of them. 

  • Several online casinos are using Virtual Reality or VR technology to give punters a more realistic experience while playing. 
  • Augmented Reality or AR is another technology used by many casinos that overlays digital information in the real world, which can build a more interactive gaming experience. 
  • Another technology is 3D printing technology. This is used to build physical objects from digital designs. 
  • For tracking punters’ movements and gestures, many online casinos use motion capture technology. 

How is online casino technology improving gaming quality?

Although casinos and gambling are not new in our world, online casinos are. Therefore, developers and designers are always trying to find innovative ways to improve players’ overall experience. Luckily, the support and excitement of gamblers are encouraging the developers to search for new ways to serve them.

Live dealer games are the most significant examples of casino technology. It is probably the best feature of a casino every punter looks for since it enables them to interact with a real dealer through a webcam, giving them a more realistic experience. 

Mobile gaming is another field where casino technology is showing its expertise. Online casinos strive to make a more customer-friendly, easy-to-use, and mobile-friendly user interface (UI) so that punters worldwide can have a seamless gambling experience. So, even if you do not own a computer or laptop, you can still get the same experience by playing these online casino games. 

Moreover, if you want to enjoy all these features, find the best no deposit bonus codes here! 


So, evaluating all the recent online casino trends and technologies, it would not be wrong to predict that the future of online gambling is pretty bright. If punters keep loving online casinos the same way and developers keep incorporating the latest trends in online casinos, no time sooner will it will overpower conventional physical casinos in the future. Make most of the gambling opportunities and enjoy a memorable online gaming experience.

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Brownlow Medal: The Most Highly Anticipated AFL Awards Of All Time




Sports Bars Close By

Did you know that AFL is more than just a sport? If you don’t know, I think now is the best time to find out! In this article, I’ll tell you about the most highly anticipated AFL gaming competition of all time – Brownlow Medal 2022 Live. This is an interactive and engaging way to watch your favorite team from anywhere in the world.

What is Brownlow Medal 2022?

The Brownlow Medal 2022 Live (BMM2L) is the most highly anticipated AFL gaming competition. This year, gamers worldwide will come together to compete for the coveted Brownlow Medal.

The Brownlow Medal is awarded to the best player in the Australian Football League (AFL). The award is given to the player who has displayed the most consistent performance throughout the season.

This year’s Brownlow Medal will be contested by gamers worldwide. There are several different games that players can choose from when competing in BMM2L. These games include AFL, NBA 2K19, FIFA 19, Madden NFL 19, and Forza Horizon 4.

Players will need to be prepared for a tough competition this year. The winner of BMM2L will be determined by how well they perform in each game. It won’t be easy for anyone to win this prestigious award!

Why is it the most anticipated AFL Gaming Competition of all time?

The Brownlow Medal is the most prestigious award in Australian football. It is given to the best player of the season and has been awarded since 1887. The 2018 Brownlow Medal competition is already being hailed as the most highly anticipated AFL Gaming Competition of all time.

Why is this? There are several reasons. For one, gaming has become an increasingly popular way to watch sports. This is especially true in Australia, with a large population of gamers. In addition, the Brownlow Medal is one of the most prestigious awards in Australian sport. Whoever wins the Brownlow Medal is considered the best player in the country and attracts a lot of attention from around the world.

So far, there have been five winners of the Brownlow Medal who have also won championships with their respective clubs. This includes current Melbourne captain Alex Rance, who holds the record for most Brownlow Medals (7). Whoever wins this year’s competition will no doubt add to that tally.

What does the Brownlow Medal represent for AFL players?

The Brownlow Medal is one of the most prestigious awards in Australian rules football. It is given to the player voted by their team’s fans as the best player of the season.

The Brownlow Medal has a long and illustrious history, dating back to 1879. At that time, it was known as the “King’s Cup.” The award was first given to Harry Wragge, captain of Melbourne Football Club. Since then, it has been won by many famous AFL players, including Gary Ablett Sr., Greg Norman, and Steve Motlop.

The Brownlow Medal is important not just for its prestige but also for its symbolism. It represents the pinnacle of success for an AFL player. This makes it one of the most highly anticipated AFL gaming competitions of all time.

How will the game be played?

The Brownlow Medal is the highest accolade that can be bestowed in Australian Rules Football (AFL). It is given to the player adjudged to have performed the best throughout the season. This year’s Brownlow Medal live game will be a nail-biter up to the final minutes.

The AFL gaming competition promises fans an intense and engaging experience as they follow the gameplay from their homes. The game will be played on a virtual field in front of a virtual crowd, with all players having equal footing. There are no substitutes and no dropped balls, so it will be an accurate recreation of what would happen in a real AFL game.

This year’s Brownlow Medal live game is sure to be a blockbuster event for AFL fans worldwide. Don’t miss out – tickets are available now!

The list of competitors and their BMM2L rankings

The Brownlow Medal is the most highly anticipated AFL gaming competition of all time. The first Brownlow Medal of 2019 will be awarded on Monday, September 10th, at 11:00am AEST.

There are a total of 128 competitors, including 32 players from the AFL Gaming Competition and 64 from the BMM2L. The BMM2L is the second most popular AFL gaming competition after the AFL Gaming Competition.

The top 4 players from the BMM2L will compete in the Finals stage of the Brownlow Medal. The Finals stage will be played over 4 rounds, with each round featuring a different type of game.

The winner of the Brownlow Medal will be the player who accumulates the most points throughout the Finals stage. The player with the most points at the end of the Finals stage will be declared the winner of the Brownlow Medal.

The top 4 players from each division (AFL Gaming Competition and BMM2L) will qualify for the Finals stage. Players who finish in 5th to 8th place in their division will also qualify for the Finals stage.

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PG Slot – Things to know



PG Slot

If you’re a fan of online casino games, you may want to try pgslot. This site offers a wide variety of games, generous payouts, and top-notch security. What’s more, you can even play their games on your mobile phone. If you’re new to online casino games, you can practice for free before you start betting for real money.


PG Slot offers a variety of games

PG Slot offers an extensive selection of slot games and many benefits for its players. The game site is available twenty-four hours a day and offers several helpful resources for new players. For example, a helpful guide will help players learn how to play the game and win the jackpot. The customer service team is always available to help players win big money.

PG Slot has a high payout rate and allows players to play up to five games at a time. They also offer referrals and rewards, which helps in increasing their traffic. Another great feature is group chats and communication options. PG Slot is a great way to have fun and win money, so it is well worth checking out.

PG Slot’s website is easy to navigate. You can sign up for a free account by simply providing your email address and name. You’ll then be able to access your account details and start playing. This gives you a chance to learn more about the games before you make a real-money deposit. In addition, you’ll be able to play with other players in your area without risking any of your personal information.


It offers high-end security

The PG slot website offers high-end security to its users, with a security system that uses the latest encryption software. In addition, it offers round-the-clock customer support. The site also provides members with the option to change their account information whenever they like. Moreover, they accept a variety of currencies.

In addition, PG Slot also offers a variety of free credits for its members. All you need to do is register to get started. After that, you can start playing with a demo or tutorial game to learn the game rules and strategies. In addition, if you’re a beginner, you can also use the export player to learn about the rules of the game and strategies to improve your game performance. It’s no wonder that PG Slot is a favorite among players who want to enjoy casino games.

One of the best things about PG Slot is the fact that it offers high-end security to its customers. All the information you enter is encrypted and cannot be read by employees or hackers. This means that even if you accidentally leak information, you won’t be liable for any loss or damage to your pers. If you are a first-time player, it’s best to try out the free demo first to get a feel for the games and the casino’s security practices.


It offers bonuses and promotions

Pgslot is a very popular gaming site with a wide variety of games. It allows players to make deposits of any amount. You can start playing with as little as $10 and earn up to $200 a day. You can play on your mobile devices and can withdraw your winnings at any time. The site also offers customer support that is available twenty-four hours a day.

The PG slots website allows players to play their games from any place in the world with an Internet connection. All you need to do is register as a member, which only takes a few minutes. Once you’re registered, you can play for free or for real money. No matter which option you choose, you’ll always have access to your account.

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