Cresswind residents love the variety of amenities both indoor and outdoor to have something to enjoy year-round. 😎⠀
Join the VIP Interest List for community updates on Cresswind Georgia at Twin Lakes, coming this spring! 📧 #LinkInBio
1 04 minutes ago
After 35+ years, Robin worked his last day for the State of Florida today, with his official retirement date on January 31st. His boss gave him a wonderful send off party with colleagues he’s worked with over the years along with a delicious lunch, a cubie filled with tasty goodies, cards and lots of “We’ll miss you” hugs and best wishes.
Let our new chapters and adventures together begin...⌛️📆🍰🥂🕔🚗📝♥️🛣😎## #retired#retirement#newbeginnings#together#nextchapter#adventure
"Often family members will be the first to notice when social isolation is affecting a senior’s well-being, but not all seniors have the benefit of loved ones who live nearby and can check on their well-being. For this reason, public health professionals should be on the lookout for signs of social isolation problems in their clients and patients so that appropriate interventions can be arranged. After all, nothing can be done to help socially isolated seniors if no one recognizes that they are socially isolated. AARP notes that health professionals should be especially aware of social isolation." - A Place For Mom (senior living blog)
I worked 12-18 hour days sometimes (before they changed the law :) ). Overtime, Holiday Pay whatever I could and still couldn't get ahead. I made what most consider "good money", but couldn't figure out why I couldn't get ahead.
I wasn't living above my means, we were "comfortable" (LIES, I wasn't #comfortable working 12 - 18 hours a day), owned my own #home as a #single#parent but I had to practically kill myself to do it and missed every #function known to man because I was always at #work and could barely save anything long enough before it was gone again.
So I obtained my Masters #degree to find out I was making more driving trucks with no degree than those with one... smh.
Went to Real Estate school just for the #knowledge being that my 72 year old #instructor told us he did EVERYTHING right, owned #property , #businesses , was a #broker and still at 72 years old was teaching Real Estate with #cancer because he didn't have enough to survive in his #retirement .
There were #drivers , #barbers , #stylists , and Employees 65 years old and up still out there because they knew nothing else. They were going to work until they died because retirement wasn't enough. I REFUSE to let that be me and I started #praying for a better way.
I FOUND IT!! Or it found me. :) When you get tired... the #answer is waiting on YOU and I'll be here to #help when you're ready.
Our company announced our 2019 annual profit share bonus today (I would have joined the call except it's 7am Hawaii time 😂). 2019 was likely the year I'd make the most income ever (I make multiple 6 figures and am the household breadwinner). I factored in my bonuses as part of the guess. Several weeks ago I blogged how because of my maternity leave, and also some things on hubby's side, both of us would have lower bonuses. Some of that I anticipated, some of that I did not.
Then the profit share was announced and it was more than my estimates, resulting in an extra $6K that I didn't anticipate. Several of my other bonuses also FINALLY finished calculating (they're based on the dollar value of projects I oversee thus it takes a while to settle), and all in, I'm now about $4K shy of my original income goal. Which in the grand scheme is not bad at all. Woo-hoo!
We rarely allow bonuses to justify additional spending. The first thing we do is send 10% of the pre tax amount to tithing. There will be a large part of it sent to my 401K to max it out early. We don't budget off of our bonus income. It basically all goes to investing. Given the expenses of #wecanyolonow this bonus will obviously help plug the net worth we were spending on the vacation.
10063 SW Morrison St | Portland OR 97225 ⠀
Open Sunday, January 19th (12-3 pm)⠀
LUXURY. LOCATION. CONVENIENCE.⠀
This upscale townhome awaits the opportunity to impress you with its fabulous design and easy lifestyle. Dual master suites, 2.5 baths plus media room. You'll want to linger in the synergetic flow from the gourmet kitchen to the open living room with bamboo flooring, neutral colors, and chic modern finishes. Prepare a feast with ease in the generous gourmet kitchen with all you need, plus a large island and ample countertop space. Master suite with walk-in closet, tile shower and a deep tub for bubbly soaks. Private covered balcony overlooking tranquil forest views and trails for peaceful enjoyment. A master-planned community that is both warm and welcoming with pool and clubhouse. Residents also enjoy monthly social gatherings and pet-friendly neighborhood. Convenient location to NIKE, Intel, Transit center and shopping. Direct message me for details or to book a private presentation.⠀
. #peterkortwoods#openhouse #renaissancehomes#LuxuryBuilder#sir#easyliving#lockandleave#retirement #pdxhomes#portlandrealestate#michellejohnsonhomes
Happy retirement dad!! Thank you for the example of what hard work looks like. It was so great to hear about the impact he’s had the last 13 years at CCD, and over 45 years working. I know two little monsters who are so excited to spend more time with papa! Well deserved retirement for the most moral, hard working, lead by example person I’ve met. #retirement#workhardnowplayhard#papatimeallthetime
🐟🐟🐟Lake Erling - Lots for Sale!! Time To Go Fishing!! Arkansas! Land of Opportunity!! ✅✅✅Eagle's Way North! 🎈🎈🎈Lake Lots Available!
For pics and more info https://maryjogray.cbgosslee.com/for-sale/36-whippoorwill-drive-36-bradley-ar-71826/243-253115 ❤️❤️❤️ Brand new neighborhood with lots ranging from 1.79 acres to 10.91 acres. Lake lots and interior lots available. Adjacent to approx. 12,000 acres of Public
Wildlife Management Area. ✏️✏️✏️Message me with your email for info on all lots. #lake#lakelots#fishing#arkansas#retirement@maryjograyrealtor#coldwellbanker
Duty called when the Papciak family called in and asked to find a home they could retire in. A place to gather with family, a yard to garden in, and plenty of room to enjoy their hobbies.
It’s feel so good when I see my clients light up when they walk into a home. I could tell they loved it and I just knew this was it. We viewed 8 other homes after but we still came back to the first one!
It’s crazy to me how we totally disregard ourselves as an investment.⠀
Whether it’s reading a book or taking a course, you need to put in the money and time to make that investment profitable, just like you would for any other investment.⠀
I am not saying to buy a $1,000 bitcoin trading or forex course! Trust me, that’s not the way to build wealth, even if the bots in the comment section say that...😬⠀
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DISCLAIMER: Making Cents of Finance and all of the content I produce is purely for education and entertainment purposes only. I am NOT a licensed financial professional NOR am I a licensed financial advisor. Therefore, I do NOT provide any financial or investment advice. You are responsible for your own money and your decisions. Please consult a CPA, Financial Advisor, or Investment Advisor for professional advice.⠀
12 6912 hours ago
Many of us don’t even make adequate plans for retirement and end up depending on our daughters and sons. However, if you are not averse to taking a bit of risk with your money, mutual funds are a great investment for your retirement years.
Pension plans from insurance companies, Employee Provident Fund (EPF) and Public Provident Fund (PPF) are the savings instruments that come to mind when planning for retirement.
I wanted to take the whole day to just draw but that did not happen, that is a luxury for sure. ✨
I was able to snag some time tonight to draw Al Ruechel who just recently retired from @baynews9
I just loved the guy!
Tyler and I were able to surprise our awesome, selfless, and caring mom on her last day in education.🎉 Congratulations on your retirement today momma! You’ve been a true blessing to every child you’ve impacted your past 25+ years in education!
Take it or leave it, you can't be in business for the rest of ur lives...business is what you do now that you are young, Real estate investment is what pays you now & when the bones are weak to work. Start now to plan your retirement through real estate investment...Good morning my dear people
Congrats on your #retirement man!! To a great career and all the plays made that’s not what I’ll remember! I’ll remember how gracious you were to my son! Good on you #lukekuechly welcome to the other #greatlife
33 5,17515 January, 2020
I thought I’d take a moment to introduce myself to all of my new folks now that I’ve hit 32k followers.
Hi everyone and welcome to my page! My name is Carmen and despite having my degree in finance and having worked in the finance industry for years, prior to 2016 my finances were in complete shambles.
All of my bad choices finally caught up with me when I was sued for a private student loan for the grand total of $30k and that was just the tip of the iceberg. By the time I got sued, I had already had a job off rescinded because of bad credit (yes, that’s a thing in the finance industry), I had a lot of accounts in collections, I was paying 18% interest on my car, and I had terrible credit.
In September of 2018 I became debt free and had paid off $57k of debt. Fast forward to saving a bunch of money, I quit my job to learn how to code ( I went to a coding bootcamp) and changed careers (got into Tech) after working in the finance industry for 10 years. I recently started my new job as a software engineer 👩🏽💻.
My story is just one of hundreds of stories in the personal finance space that prove you can always change your current situation if you’re willing to get focused and disciplined.
I started this page with the purpose of helping people that find their money situation to be hopeless and for those that have no idea where to get started. I wanted to serve as an example by documenting my journey.
Thanks for the follow! I hope you enjoy my page and as I always say - remember you are always one decision away from a totally different life. ===== #personalfinance#money#savings#debtfreecommunity#blackinfinance#womenofpersonalfinance#investing#stocks#retirement#debtfree#debtfreeliving#moneygoals#emergencyfund#creditscore
42 7639 hours ago
This example is based on the actual fees a friend of mine was being charged by her financial advisor. Ashley's investment assumes an 8% inflation adjusted annual return, minus a 0.1% expense ratio on her index fund which equals a 7.9% inflation adjusted return. Amanda's investment assumes the same 8% annual return, but is charged a 6% sales load, plus a 1% annual account fee, plus the 1% expense ratio on her mutual fund. So only $470/month is getting invested at a net 6% rate of return.
The resulting difference is dramatic. Those fees end up eating 45% of her retirement nest egg!
Here are some ways a financial advisor might be charging you:
• Sales Load: This is a fee whenever you make a contribution. Money comes off the top into your advisor's pocket.
• Account Fee: Could be a fixed dollar amount or percentage of your assets charged for having your account open.
• Fund expense ratio: The mutual funds you're invested in could be charging high fees for their management.
• 12b-1 fees: This is a fee you are charged and is given as a "kickback" from a mutual fund to your advisor for getting you to invest in that fund. If the funds you are in are charging 12b-1 fees, that's a sign your advisor may not be operating in your best interest.
• Transactional fees: Possibly a fixed dollar amount or percent each time a trade is made.
If you're not sure of how you're being charged, it would be a good idea to dig through this list to figure it out. Opening your own account with an online brokerage like Vanguard, Fidelity or Schwab can eliminate almost all of those fees.
I have used a financial advisor in the past but I don't anymore. Not all charge these kinds of fees and most are good, honest people who have your best interest at heart. No matter who you’re investing with, it’s a good idea to understand how they are being paid and what incentives they may have.
As always, reminding you to build wealth by following the two PFC rules: 1.) Live below your means and 2.) Invest early and often.
When you earn money think of it as something to grow. Like seeds you plant in the ground. Years later those seeds turn into mighty trees!
A brokerage account is a bank account in which you invest. If you invest in a normal brokerage account, the government taxes you twice. Once when you earn the money from your job. Then again on the additional growth of that money.
But, our friendly US government has made us a great deal. If we invest (think buying index funds) inside of special retirement accounts they eliminate one of those taxable steps saving us a lot of money.
In a Roth IRA or Roth 401(k), the government taxes you as normal when you earn the money, but then the money is never taxed again as it grows. So in this example, Roth means the government takes some of the seeds but none of the trees.
In a traditional IRA or 401(k) it's the opposite. Money comes directly out of your paycheck into the account without being taxed. That lowers your tax burden today, but then you pay tax on the full amount when you withdraw it later. So they let you plant all the seeds, then harvest some of the trees.
In this example it actually works out the same. And the truth is, they're both good so don't get analysis paralysis. The difference comes down to your tax bracket now vs when you're in retirement. I think it's a mistake to think you'll be in a low tax bracket in retirement. The goal is to have millions of bucks in your IRAs by then. You want to be able to take out massive amounts at a time without a huge tax burden.
Also, if you use a Roth it protects you against future tax hikes. For those reasons, I like to use the Roth version when possible. This is a slightly updated repost of one of my first posts. I think most of you haven't seen it so hopefully it's helpful! :)