Finance

How to Calculate Your Ideal Retirement Withdrawal Rate

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The best way to determine the amount of money you can withdraw during retirement will depend on many factors. With lack of proper guidance, one can easily drain way their retirement wealth. A survey conducted reveals that about 40 percent of most financial planners have clients whose biggest worry is running out of money. The rate at which you carry out withdrawal from your retirement account can seriously affect how long the money lasts.

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Traditionally, most people who have just retired are encouraged to abide by the 4 percent rule when distributing their retirement benefits. The rule clearly states that you should not exceed 4 percent in withdrawals during your first retirement year. In the subsequent years, you can carry out your withdrawals at a rate that is at par with the inflation rate. This rule was proposed by William Bengen back in the early 1990s and has been adopted ever since as the standard used by financial planners to assist their clients in establishing suitable retirement income strategies.

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However, Justin Fort along with other professionals question its relevance in today’s world. According to them, the 4 percent rule was only feasible during the 1990s. Their arguments point out recent factors such as 5 percent bond yields on the 12 percent average equity returns. Most of these conditions are no longer the norm in the economic environment today. The 4 percent rule cannot be relied upon as a benchmark when determining how safely you can make retirement withdrawals. As you form a plan that will help you spend your money in the years to come, here are some key points to consider. Briefly described are some ways on how to calculate your ideal retirement withdrawal rate.

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Your life expectancy against your savings

When saving for retirement, ensure you have enough that will last you throughout your retirement. Life expectancy is a very important element when arriving at the ideal retirement age. The 4 percent figure mentioned earlier arrived at an estimation of a 30 year retirement period. If your retirement period exceeds 30 years, you will be at risk of running out of sustenance.

SAVINGS

When deciding on the most suitable withdrawal rate, go for an amount that will deliver a high probability without exposing you to the risk of exhausting your cash flow. These variables will include the amounts you have accumulated in your investment accounts, monthly expenses, and pre-retirement incomes. On analyzing this factors, look at life expectancy as this helps point out how much you can spend during retirement.

Diversify your investments

Investors must look beyond their life expectancy and savings as they decide on their objectives and goals. A mix of well-balanced investments can help in making annual adjustments. Some retirees withdraw their funds from equities when the market is high then proceed with withdrawals from their fixed accounts. This is the best time to take a broad look at your asset allocations, as they will be the perfect guide when arriving at a decision. Your asset allocations must be perfectly aligned with the duration you anticipate to retire.…

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Massage

Features of a massage chair

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When purchasing a massage chair, there are features to put into consideration. The features should guide you in making the right choice as far as the selection of the massage chair is concerned. Massage chairs are growing in popularity especially in the spas and people’s home. They are a great option as they help in the relaxation of the body muscles.

Features

Music

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The music massage synchronization is a critical feature when choosing the ideal massage chair. Some of the best massage chairs have the massage and music synchronization function incorporated. Just by pressing a button, the massage chair will begin synchronizing its movements based on the rhythm of the music being played. The tempo of the music playing will determine the intensity of the massage that you will receive. Some of the music types that have been incorporated in the massage chairs include classical and rock music.

Footrest extension

The footrest extension is a simple feature but a beneficial one in the massage chairs. The footrest extension is critical as it helps in accommodating the tall users who have to support their feet. This will help the individual relax more during the massage. It is important for the blood to circulate evenly throughout the entire body during the massage session.

Auto programs

The auto program is another essential feature of the massage chair. Most of the modern massage chairs come with automatic programs. Just by pressing a button the message will be conveyed, and the massage chair will execute the request made. The different manufacturers have different sets of pre-set programs. The auto programs are meant to help in controlling the different massage durations, systems, locations, and techniques. The different programs can be used to deform the massage therapy that you so desire.

Kneading massage

The massage chairs have the kneading function which is considered as the most important part in a massage chair. The kneading function makes it possible to perform either a firm or soft massage. The massage chair that you buy should have a motor whose role is the kneading massage. This will help in ensuring that the kneading is done in the right way with sufficient torque.

Heat therapy

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The other feature to look for in the massage chair is the heat therapy. When applied in the right situations, amount and areas, heat has got great healing abilities. Most of the massage chairs have incorporated the heating features. There are some that can heat multiple areas whereas there are those than can heat one area.

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Shirt

How To Track Down Your Trendiest Clothing

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The clothes you wear have a lot to say about you even before you open your mouth to speak. Which is why you should always do your best to convey the right messages through your dressing. We live in the times when the writing on your T-shirt is of immense importance. Creativity has taken it a notch higher and given us a reason to shop till we drop. It gets even better when you check online. This is where all the new arrivals get the best display. The internet has the best way of getting us up to speed with the latest trends in fashion.

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Stay informed

In this day and age, information is just what you need to get you through the worst of times. At least you know what to do in case something unexpected comes up. The case is not any different when it comes to our favorite dress codes. Stay informed on all the latest trends and upgrades that have been done on your favorite clothing piece.
Though it is not easy with all our busy schedules and deadlines to beat, it is very possible. The odds are not against us after all.

 

Your image matters a great deal

For this and more reasons, you have to look into your wardrobe and see what needs upgrading. You can start with your tees and on to other accessories that matter to you. Majority of us are getting tired of the same old look and ideas. It is high time we considered the unique and amazing creations staring at us in the face. It could be in our shoes, wallets, scarfs or of course, the casual tee shirts we fancy so much. It is entirely up to you to make things happen in your general image. It helps to know that you have the backing of technology right behind you. A shining example to look up to is the pugs not drugs shirt.

 

Something catchy

Everyone loves it when positive attention is thrown their way. Therefore, most of us are willing to do all it takes to ensure that they get it and much more. The best we can do is to try and track down something catchy. The writing on the wall is enough to spark some brilliant ideas to save the day. Though it is not as easy as it sounds, all it takes is deep concentration. Pay attention to the world around you and draw some inspiration from it. Before you know it, you are making things happen.

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The trendiest lot

There are plenty of trendy outfits to pick from. This is where the search becomes more confusing, and it takes a lot to pick the best. For instance, it would be great to widen the scope of your search. The online platform is the best place to start your new mission. It couldn’t be so hard especially when we live in the era where almost everything is a trend. Your personal preference is what will bail you out. A deeper look at what comes out of it will encourage you further.…

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Business

How to Choose the Best Shop Fitting Company

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If you are planning to open a retail shop, then make sure that you know one of the best shop fitting companies to consider. With the best shop fitting company, you will be able to have the best retail shop that will impress your customers. Also, it will be able to install and create a good design that will incorporate the elements that are required to create customer loyalty and sell products.

As an entrepreneur, you need to understand that a good shop fit out is likely to increase your revenue to a very large extent. That is why it is advisable to look for the best company to do the job. For example, there are some of the best retail fit outs in adelaide that offers many shopfitting processes that will suit your needs. Therefore, below are some of the factors that will help you to choose the best shopfitting company.

The extensive product range

oiuytrdcvbjnklWhen you are opening a retail shop, you are required to have an advanced planning and a thorough strategy. The main secret to succeeding in business is by planning and having the best business strategies. Also, you need to have the best shop that is appropriately designed. You need to display quality products so that they capture maximum eyes. Therefore, a shop fitting company will install various shop fitting supplies based on the kind of retail business that you have. However, a good company will help you depending on your business type.

Level of experience

Before you consider selecting a shop fitting company, make sure that you check on their level of experience. You need to check on some of the projects that they have completed successfully with positive results. A good company will be ready to provide a list of references you can contact to confirm the kind of services they deliver. However, if you find out that a particular company is not ready to offer you with references, then avoid it. Therefore, hire a company that has enough experience of more than five years.

Reputation

oiuytrdsxcvbnkA good shop fitting company will be known even to some people who do not need or use their services. Therefore, you can ask some of your close friends or relatives if they know any shopfitting company that offers quality services. If they have ever heard of one, they will happily refer you to it. Also, some may have used their services, and if they pleased them, they could also suggest it for you. Listen to their remarks first before you make your conclusion.…

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Services

What to consider when hiring a tree service provider

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Given the risks of removing a tree in the premises of your home, approaching a DIY technique is not advisable. In fact, experts recommend that you look for a contractor that specializes in tree removal. However, anyone who had dealt with removing a tree in his or her real estate property can attest to the fact that finding a reliable and reputable tree service contractor is a daunting task. Of course, many factors must be put into consideration. Now, if you are wondering what to look for when hiring a State College tree company, allow us to highlight some of the key factors to consider when hiring a tree removal contractor.

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Pricing

In terms of pricing, it is given that we all want to go to the lowest bidder. However, always keep in mind that if the pricing is incredibly cheap, the contractor is most likely incompetent. In addition to that, the chances are high that these contractors are fly by night operators. On the other hand, if the price given is excessively expensive, it is recommendable to keep searching. To cut the chase, always look for a quotation that is reasonable.

Licenses

ZXCZXCAs we all know, a business entity that does not hold a business permit is not allowed to operate. Thus, when looking for a contractor, always make sure that they have the required licenses to run as a tree cutting company. In addition, we all know that these workers are always vulnerable to accidents. With this, always ensure that the contractor is covered by insurance policies. Keep in mind that if something happens to the worker, and the contractor is not properly insured, then you must shoulder all the financial responsibilities.

Reputation

Same as acquiring the services of any other service provider, it is important to put an emphasis on their reputation. Of course, the most effective and efficient way to figure out the contractor’s reputation is by utilizing the Internet. In this case, you need to search for reviews and ratings that focus on tree cutting services.

Experience & Expertise

As what was mentioned above, a DIY approach is discouraged because tree removal is hazardous. Apart from the fact that it can cause serious injuries, it can also severely damage your property.

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Of course, hiring a contractor who lacks experience and expertise defeats the purpose of hiring one. With this, you should always ensure that the person you hire is capable and competent. If possible, look for someone who has been in the tree cutting industry for quite some time. In addition, always see to it that the contractor specializes in whatever tree service you are requesting.

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In summary, always remember that dealing with trees demand experience and expertise. Hence, if you want to get rid of the trees in your yard, you should always look for a reliable and reputable tree service provider.…

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Business

SEO strategy for start-ups

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Start-ups are vulnerable to bankruptcy. Nine out of ten start-ups do not survive the initial moment of a downturn. Their production exceeds the available market, or worse, they do not have enough access to their target market. From the moment an entrepreneur conceiving a business, branding strategy must be the top priority. Through search engine optimization (SEO), the integrity of company’s branding can be improved and maintained.

Long-term branding is the only option

Browsing012017 market for start-ups turns out as flat-round and is the correction period of the after-bubbling in 2015. Digital marketing plays its role to strengthen business sale in this case. Companies that have established substantial contents and searchability are the ones that survive.

An online marketing strategy that brings forward value-consistency wins. Google, the search engine that has billions of users, sets algorithm that only allows authentic and credible web-contents to rank on its first pages. You must not expect your Search Engine Optimization efforts will give you direct result in a month. It takes years of labor for a start-up to achieve quality branding.

Domain age can’t be omitted when it comes to SEO. As previously mentioned, SEO works in integral with marketing strategy, and to start early for a start-up to engage with optimization of their brand, the more likely the company can keep up with global competition.

Aim for massive value post

MVP01A start-up company shall muse deeply on how its products, or service, can be beneficial to society. Massive value post (MVP) is an in-depth writing that gets the most attention on the Net. Hundreds, if not thousands of shares of that article, and netizens will get directed to have the topic occupying their minds for a period of time. Massive value post functions as a neutral press release of a company, but without your influence.

Aiming for MVP means that as a company owner, you should think of how your business appeals to the majority. Getting involved in charity project, or publishing press release that is related to the current event (for example, if your company manufactures home-use snow-melting chemicals, then press release that writes how relevant your product is to the most current blizzards is a good marketing move), increases the chance for you to get the space of an MVP. Partnering with review site, or mainstream media, to discuss your products is also an option.

Consistent with your content-marketing

consistentAs implicitly stated, MVP is an epic article, a one of a kind writing, which means its probability to happen is also small. To counter the downside of online marketing, a start-up can invest its time and capital more in content marketing.

Content marketing works by providing writings that discuss the intended product to the market. The best way to do this is by working together with SEO service providers. The tricky part is that the writings should not explicitly sell the product; otherwise, the content will be categorized as ads and loses its authenticity to the readers.

Consistent content-marketing will increase the searchability of a business and its products. This strategy also provides a more stable and gradual marketing achievement, which can always be reviewed and assessed for improvement.…

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Art

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Find best collection through the Internet offering a new dimension in interpreting, understanding and enjoying visual arts heritage. Get information and ideas that will inspire and engage you anytime.…

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