| (NaturalNews) Dirty Donna Brazile. Political filth on display. The stench of dirty democrat tactics has now reached a new, nauseating milestone in America with the revelation that "Dirty" Donna Brazile, a DNC operative working for Clinton, smuggled debate questions out of CNN and... |
| (NaturalNews) The 'global warming/climate change' charade is bad enough in that it is nothing more than a politically motivated "issue" used by globalists of all political stripes to gain more control over the world's population.But now it's costing some citizens scarce tax dollars... |
| (NaturalNews) The owner of the American fast food chain Jimmy John's is under fire after photos emerged of him smiling and giving a "thumbs up" beside numerous endangered species that he's hunted and killed throughout Africa over the years, for seemingly no other purpose than simply... |
| (NaturalNews) In the U.S. these days, supporting GOP presidential nominee Donald J. Trump will earn you an assault from Left-wing cowards and bullies who support Democratic nominee Hillary Clinton. But in China, being a political dissident and opposing the ruling Communist government... |
| (NaturalNews) Mike Adams the Health Ranger, founder and editor of Natural News, and Scott Adams, creator of the popular "Dilbert" comic strip, may not be related, but they do share the same opinion about people who identify as Democrats.Quite simply put, the party of "inclusion... |
| (NaturalNews) Toxins are everywhere. They are lurking in the air we breathe, the water we drink, and the food we eat. Young children are particularly vulnerable to the toxic effects our modern lifestyle creates. They can suffer profound and permanent adverse health effects which affect... |
| (NaturalNews) Tensions are ratcheting up in a region of North Dakota where construction of a pipeline that will take oil to a refinery facility in Illinois is being built, as protestors objecting to the project are clashing with increasingly militarized police.The Bismark Tribune... |
| (NaturalNews) If you are making a conscious effort to eat nutritious food, you are already stacking the odds in your favor when it comes to your health and well-being. However, eating all the organic fruits and vegetables in the world is not going to do much for you if your body is... |
| (NaturalNews) Stay well during the colder months with these simple, time-tested home remedies to prevent a common cold, help shorten the duration and get you feeling better in no time. A common cold is caused by a virus, so there is no point in taking antibiotics which only kill bacteria... |
| (NaturalNews) ADHD medications have been subject to public scrutiny for quite some time. Two years ago, the FDA said it had discovered problems with a generic version of a popular ADHD drug known as Concerta. The generic, produced by the pharmaceutical company Mallinckrodt, just wasn't... |
| (NaturalNews) When your coronary arteries narrow, they fail to supply the heart with enough oxygen-rich blood. At first, this may result in chest pain and shortness of breath. However, when fatty substances continue to build up, a total blockage may cause a heart attack.In the... |
| (NaturalNews) When elderly patients with joint problems start taking common painkillers such as ibuprofen and naproxen, their risk of heart failure increases. This is the finding of a UK study published in the British Medical Journal. The study investigated 10 million people with... |
| (NaturalNews) Before World War II, very few Americans suffered from cancer, Alzheimer's, Parkinson's, diabetes, heart disease, strokes, arthritis, osteoporosis, food allergies, psoriasis, eczema, autism, Asperger's syndrome or even fibromyalgia. There were no processed foods, no genetically... |
Stay away from plastic dollar store junk. Decorations can be kind to the environment while still setting the right atmosphere for the eeriest night of the year.
The post A quick guide to plastic-free Halloween decorations appeared first on Osiyo Marketing.
from Osiyo Marketing http://ift.tt/2e5WDT2
Can we please stop bubble-wrapping our kids on their single, most glorious day of independence? Parents are stressing about the wrong things.
The post Parents’ fear of Halloween is the scariest thing of all appeared first on Osiyo Marketing.
from Osiyo Marketing http://ift.tt/2f5rn90
This is a question that’s on the minds of most people, but it came specifically from Ask GFC reader Erica W. —
“What percentage of my yearly income should I put towards retirement? I currently still have small amt credit card debt, less than $4,000.” – Erica W.
Erica, you haven’t given me any specifics, such as your age, your retirement horizon, or how much you earn, so my answer to your question is going to be very general. That’s good too, because a lot of people have the same question, so hopefully my response will help a lot of readers.
You do have a twist in there, with your $4,000 credit card debt. Since you mentioned it, you must consider paying it off to be a priority. I agree. But it’s a fairly manageable amount that you should hopefully be able to pay in addition to funding your retirement. You might consider a part-time job and dedicate the income to paying off the debt, or delaying your retirement contributions by a year or so to enable you to first payoff the cards.
There is no flat answer to the main question about how much to contribute. That’s because there are several factors – eight at least – that go into deciding what percentage of your income should go to retirement. Let’s take a look at each, one at the time, and hopefully you will find the answer to your own question in your answers.
Does your employer provide a matching contribution on your retirement plan? If so, you’ll want to contribute at least the minimum that you need to in order to get the maximum employer match.
For example, let’s say your employer will provide a matching contribution of up to 50% of your contribution, up to 5% of your income. You can get the full 5% match by contributing 10% of your pay into your plan. The combination of the two will mean that 15% of your income will be contributed to your plan each year.
The employer match is like getting free money, and that’s why you will want to get the biggest one that you can.
As a rule, the younger that you are the less that you need to contribute. Conversely, your contributions might have to get larger as you get older. If you’re in your 20s, it might be enough to simply make the minimum contribution required to get the maximum employer matching contribution. Since you will have 40 or so years to save for retirement, this may be enough to build the kind of retirement portfolio you need.
You’ll probably want to contribute a higher percentage as you get older and closer to retirement, but that will also depend upon how much you have saved for your retirement up to this point.
If you have young children, you’ll need more of your income in order to provide for living expenses. That will of course leave less to contribute to a retirement plan. You may even find that you can make only a very minimal contribution, and that will have to be enough until your expenses begin to settle down, and your income increases.
At the opposite end of the spectrum, if you are an empty-nester, or you don’t have children, you should have more income available to put towards your retirement. You may even want to contemplate early retirement, which is easier to accomplish when you don’t have dependent children.
The higher your income level is, the more you should be contributing to your retirement plan. While percentages are fixed regardless of income levels, it is admittedly harder to make ends meet on a smaller income than it is on a larger one. Some expenses rise and fall with income level, but others, like gasoline, bread, and even health insurance, are the same regardless of how much you make.
But this shouldn’t enable you to ignore the fact that saving for retirement does involve a healthy amount of sacrifice. No matter what income level you are at, you will have to make room in your budget to make your retirement contributions. The more you are able to carve out of your budget, the more that you will have available to put into your plan.
Also keep in mind that your contributions to your retirement plan are tax-deductible. That means that at least part of your contributions will be funded by the income tax you have to pay as a result of making them. But once again, this favors higher incomes, because they have higher income tax rates.
A person who is in the 33% tax bracket is getting a whole lot more help with contributions from the government then someone who is in the 15% bracket.
The sooner that you hope to retire, the more you will need to contribute your retirement plan. Contributing 10% per year may be plenty if you’re 30 years old, and expect to retire at 65. But if you are 40 years old and want to retire at 55, you may have to contribute 20% or even more.
The more that you have in retirement savings – relative to the amount of money you will need for retirement – the less you will need to contribute. For example, if you’re 35 years old and you expect to retire at 65, and you already have $250,000 in your retirement plan, you can save a lower percentage of your income than someone in a similar position who has only $50,000.
Let’s say that both people are earning an average return on investment of 10% per year. The person who has $50,000 in retirement savings is earning $5,000 per year. But the one with $250,000 is earning $25,000 per year. Each is earning 10% on their money, but the one with the larger retirement portfolio is earning a lot more in dollars. Higher contributions can at least partially offset this difference.
Virtually everyone who has earned income, and pays FICA taxes on it, is entitled to collect Social Security retirement benefits. But if you also have some sort of employer provided pension plan – which is more typical of government employees – then you will not need to save as much in your retirement plan.
That doesn’t mean that you shouldn’t save any money at all, but you can certainly save less.
If however you don’t have an employer pension – which is most people now – you’ll have to save a much higher percentage of your income. The income that will be provided by a retirement portfolio will be necessary in order to supplement your Social Security income. In a way, your retirement savings will become your pension, which is really the whole point of 401(k)’s and other plans.
Whenever you are contemplating retirement, you have to look at your entire financial picture. That includes retirement savings, but it also goes beyond. How much money you have saved – or expect to have saved – in non-retirement assets should impact your retirement plan contribution level.
Examples of non-retirement assets includes:
If you have any of these assets, and expect to liquidate them by the time you retire, you will not need to save as much for retirement. However if you don’t have these assets, or you do and you don’t plan to sell them, your retirement contributions should be higher.
Erica – and anyone else who has this same question – I realize that this list doesn’t exactly provide you with a calculator to precisely determine what your retirement contributions should be. But there really is no way to do that. Your contribution level will vary, depending upon your personal situation in regard to each of these factors. If you’re unsure, the best strategy is to set your contribution level a little bit higher than you think it should be.
The post Ask GFC 017 – What Percentage of My Income Should Go To Retirement? appeared first on Osiyo Marketing.
from Osiyo Marketing http://ift.tt/2e5b9KU
This is a question that’s on the minds of most people, but it came specifically from Ask GFC reader Erica W. —
“What percentage of my yearly income should I put towards retirement? I currently still have small amt credit card debt, less than $4,000.” – Erica W.
Erica, you haven’t given me any specifics, such as your age, your retirement horizon, or how much you earn, so my answer to your question is going to be very general. That’s good too, because a lot of people have the same question, so hopefully my response will help a lot of readers.
You do have a twist in there, with your $4,000 credit card debt. Since you mentioned it, you must consider paying it off to be a priority. I agree. But it’s a fairly manageable amount that you should hopefully be able to pay in addition to funding your retirement. You might consider a part-time job and dedicate the income to paying off the debt, or delaying your retirement contributions by a year or so to enable you to first payoff the cards.
There is no flat answer to the main question about how much to contribute. That’s because there are several factors – eight at least – that go into deciding what percentage of your income should go to retirement. Let’s take a look at each, one at the time, and hopefully you will find the answer to your own question in your answers.
Does your employer provide a matching contribution on your retirement plan? If so, you’ll want to contribute at least the minimum that you need to in order to get the maximum employer match.
For example, let’s say your employer will provide a matching contribution of up to 50% of your contribution, up to 5% of your income. You can get the full 5% match by contributing 10% of your pay into your plan. The combination of the two will mean that 15% of your income will be contributed to your plan each year.
The employer match is like getting free money, and that’s why you will want to get the biggest one that you can.
As a rule, the younger that you are the less that you need to contribute. Conversely, your contributions might have to get larger as you get older. If you’re in your 20s, it might be enough to simply make the minimum contribution required to get the maximum employer matching contribution. Since you will have 40 or so years to save for retirement, this may be enough to build the kind of retirement portfolio you need.
You’ll probably want to contribute a higher percentage as you get older and closer to retirement, but that will also depend upon how much you have saved for your retirement up to this point.
If you have young children, you’ll need more of your income in order to provide for living expenses. That will of course leave less to contribute to a retirement plan. You may even find that you can make only a very minimal contribution, and that will have to be enough until your expenses begin to settle down, and your income increases.
At the opposite end of the spectrum, if you are an empty-nester, or you don’t have children, you should have more income available to put towards your retirement. You may even want to contemplate early retirement, which is easier to accomplish when you don’t have dependent children.
The higher your income level is, the more you should be contributing to your retirement plan. While percentages are fixed regardless of income levels, it is admittedly harder to make ends meet on a smaller income than it is on a larger one. Some expenses rise and fall with income level, but others, like gasoline, bread, and even health insurance, are the same regardless of how much you make.
But this shouldn’t enable you to ignore the fact that saving for retirement does involve a healthy amount of sacrifice. No matter what income level you are at, you will have to make room in your budget to make your retirement contributions. The more you are able to carve out of your budget, the more that you will have available to put into your plan.
Also keep in mind that your contributions to your retirement plan are tax-deductible. That means that at least part of your contributions will be funded by the income tax you have to pay as a result of making them. But once again, this favors higher incomes, because they have higher income tax rates.
A person who is in the 33% tax bracket is getting a whole lot more help with contributions from the government then someone who is in the 15% bracket.
The sooner that you hope to retire, the more you will need to contribute your retirement plan. Contributing 10% per year may be plenty if you’re 30 years old, and expect to retire at 65. But if you are 40 years old and want to retire at 55, you may have to contribute 20% or even more.
The more that you have in retirement savings – relative to the amount of money you will need for retirement – the less you will need to contribute. For example, if you’re 35 years old and you expect to retire at 65, and you already have $250,000 in your retirement plan, you can save a lower percentage of your income than someone in a similar position who has only $50,000.
Let’s say that both people are earning an average return on investment of 10% per year. The person who has $50,000 in retirement savings is earning $5,000 per year. But the one with $250,000 is earning $25,000 per year. Each is earning 10% on their money, but the one with the larger retirement portfolio is earning a lot more in dollars. Higher contributions can at least partially offset this difference.
Virtually everyone who has earned income, and pays FICA taxes on it, is entitled to collect Social Security retirement benefits. But if you also have some sort of employer provided pension plan – which is more typical of government employees – then you will not need to save as much in your retirement plan.
That doesn’t mean that you shouldn’t save any money at all, but you can certainly save less.
If however you don’t have an employer pension – which is most people now – you’ll have to save a much higher percentage of your income. The income that will be provided by a retirement portfolio will be necessary in order to supplement your Social Security income. In a way, your retirement savings will become your pension, which is really the whole point of 401(k)’s and other plans.
Whenever you are contemplating retirement, you have to look at your entire financial picture. That includes retirement savings, but it also goes beyond. How much money you have saved – or expect to have saved – in non-retirement assets should impact your retirement plan contribution level.
Examples of non-retirement assets includes:
If you have any of these assets, and expect to liquidate them by the time you retire, you will not need to save as much for retirement. However if you don’t have these assets, or you do and you don’t plan to sell them, your retirement contributions should be higher.
Erica – and anyone else who has this same question – I realize that this list doesn’t exactly provide you with a calculator to precisely determine what your retirement contributions should be. But there really is no way to do that. Your contribution level will vary, depending upon your personal situation in regard to each of these factors. If you’re unsure, the best strategy is to set your contribution level a little bit higher than you think it should be.
The post Ask GFC 017 – What Percentage of My Income Should Go To Retirement? appeared first on Osiyo Marketing.
from Osiyo Marketing http://ift.tt/2e5b9KU
With 40 percent of pollinators on the verge of extinction, support from the food retail industry is desperately needed to prioritize the sale of organic, bee-friendly foods.
The post Food retailers must protect pollinator species, too appeared first on Osiyo Marketing.
from Osiyo Marketing http://ift.tt/2ee9TbW
from NutritionFacts.org http://www.youtube.com/watch?v=g09_e0Yledk
Dear Nadia,
Our neighbors in North Carolina and those who have diabetes have been devastated. They literally LOST EVERYTHING! We are receiving numerous request for assistance with Medtronic, Animas and Omni Pod insulin pump supplies. We need these items donated …
The post AskNadia: North Carolina Devastated by Hurricane and in Need of Diabetes Supplies appeared first on Diabetes Health.
from Diabetes Health http://ift.tt/2f8zjFu
| (NaturalNews) As America inches toward open revolt over the runaway criminality and collusion of the democrats and the media, another kind of revolt is taking place inside the FBI. According to multiple sources in the independent media -- now the only remaining "free press" in America... |
| (NaturalNews) The mainstream media plays a key role in protecting and furthering the interests of powerful corporate entities, including those that make up the pharmaceutical industry, Big Agriculture, Big Oil and other massively profitable business sectors.They do so by over... |
| (NaturalNews) One of the most interesting things about the Zika virus is that it is not a new ailment. It was first discovered in monkeys in 1947 and in humans in 1952, according to a fact sheet from the World Health Organization.While researchers have admittedly probably learned... |
| (NaturalNews) I've been trying to figure out what common trait binds Clinton supporters together. As far as I can tell, the most unifying characteristic is a willingness to bully in all its forms.If you have a Trump sign in your lawn, they will steal it.If you have a Trump... |
| (NaturalNews) The federal bureaucracy and corresponding state agencies have never been much good at responding to crises in a timely fashion, and that tradition was alive and well during the recent toxic water crisis in Flint, Michigan.In fact, according to a newly released watchdog... |
| (NaturalNews) The health benefits of moderate red wine consumption have been heralded for the last several years. It can help prevent heart problems and reduce cancer risks, and some studies even indicate that it can help preserve brain function – provided you don't overindulge... |
| (NaturalNews) Twelve patients who had open heart surgery at a Pennsylvania hospital last year were infected with a rare bacterium that takes months to manifest symptoms. Six of the infected patients from WellSpan York Hospital became very ill and passed away, warranting a federal... |
| (NaturalNews) A well-known chemical component added to plastic containers, food cans, receipt paper, and various other consumer products has demonstrated yet another mode of toxicity, new research contends. Bisphenol-A (BPA), which has repeatedly been linked to endocrine disruption... |
| (NaturalNews) For a growing number of people, it is no longer possible to eat any red meat because they have developed an allergy to it after being bitten by a tick.And now, the UK's Daily Mail reports, experts are noting that not only can the condition turn deadly, but it is... |
| (NaturalNews) A Southern California pediatrician recently made national headlines after signing off on a vaccine exemption for a 2-year-old patient of his who developed a severe reaction to childhood vaccines. The exemption will protect the boy from ever having to receive "mandatory... |
| (NaturalNews) A new study has shown that energy drinks mixed with alcohol trigger effects very similar to those of cocaine in the brains of teenagers, and the consequences of consuming the two together may have long-term negative effects lasting into adulthood.A team of researchers... |
| (NaturalNews) Often lost in the debates over reform to the United States' broken healthcare system is a subtle but critical point: Providing people with health insurance coverage is not the same thing as providing them with access to healthcare.This issue has come to the forefront... |
| (NaturalNews) Rather than spending hundreds of dollars a year on deodorants, antiperspirants, breath mints and mouthwash, why not just up the leafy vegetable content of your diet? Study after study has shown that chlorophyll -- the chemical that makes plants green and allows them... |
| (NaturalNews) Wikileaks email 28657, part of the John Podesta email leaks, reveals that the Hillary Clinton campaign sought money from a top Monsanto executive to put her into the White House. See the email here.Hillary Clinton, known as the Bride of Frankenfood, is a longtime... |
| (NaturalNews) It's not just that the corruption and criminality of the Clintons knows no bounds; it's also that the democrat political machine trying to thrust her into power also has total disregard for democracy, truth and ethics. Their mission? Put our nation's worst political... |
| (NaturalNews) It seems that the more advanced human civilization becomes, the less we learn about what is and isn't good for our bodies. That's the only way to explain why many commercial food operations are so toxic and hazardous to our health.The UK's Daily Mail is reporting... |
| (NaturalNews) As new guidelines set forth by the U.S. Food and Drug Administration (FDA) to curb antibiotic overuse and abuse on factory farms slowly come into effect, the drug industry is apparently setting its greedy sights elsewhere – towards countries where restrictions... |
