Archive for the ‘Retirement’ Category
Skyfall – Quartermaster – Video
Posted: November 3, 2012 at 5:45 pm
Skyfall - Quartermaster
Album List: 1. Grand Bazaar, Istanbul 2. Voluntary Retirement 3. New Digs 4. Severine 5. Brave New World 6. Shanghai Drive 7. Jellyfish 8. Silhouette 9. Modigliani 10. Day Wasted 11. Quartermaster 12. Someone Usually Dies 13. Komodo Dragon 14. The Bloody Shot 15. Enjoying Death 16. The Chimera 17. Close Shave 18. Health Safety 19. Granborough Road 20. Tennyson 21. Enquiry 22. Breadcrumbs 23. Skyfall 24. Kill Them First 25. Welcome To Scotland 26. She #39;s Mine 27. The Moors 28. Deep Water 29. Mother 30. AdrenalineFrom:Manon DenessenViews:0 0ratingsTime:04:59More inMusic
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Skyfall - Quartermaster - Video
Employees of BWD(Bansalan Water District, somewhere in Davao del sur) at the entrance of the office – Video
Posted: at 5:45 pm
Employees of BWD(Bansalan Water District, somewhere in Davao del sur) at the entrance of the office
This was taken during the time of the new administration and newly proclaimed General manager Abril , was a retired chief of police somewhere in Davao del sur. The present administration gave their words that the following employees should resume on their duties.The employees were given 3 months to resume but they were denied because they don #39;t have the court order.They #39;re not actually certain on their words as the rumors was spread that they are given three months, but instead they sent away papers to terminate them. These employees are dedicated to their work that some of them has reached 20-30 years in their service.These employees invested their provident fund to establish a water source, maybe some of them want to collect the money or there share before their retirement but unfortunately the office was taken over by the mayor and the recent general manager.Base on the interview of the mayor , he said that they had to do it for the economy and to brought back the normal water supply. Recently , the municipal of Bansalan ,Davao del sur experienced water shortage, it becomes a crisis and more people are complaining about it that is why the old employees agreed to established a new water source to satisfy the consumer.During the new administration,the condition was worsen because these people,who were supposed to be the replacement, know nothing about the facility . More people again are complainig about it and people received big bills and wondering how it becomes big ...From:Psalm BendanilloViews:1 0ratingsTime:02:46More inNews Politics
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Employees of BWD(Bansalan Water District, somewhere in Davao del sur) at the entrance of the office - Video
MS Dhoni shows a Punch to Alastair Cook *Must Watch* – Video
Posted: at 5:45 pm
MS Dhoni shows a Punch to Alastair Cook *Must Watch*
MS Dhoni shows a Punch *Take This* to Alastair Cool after beating ENgland in the third one day and winning the series 5-0. 2012 India vs England Dhoni Biggest Six IPL 2012 MS Dhoni imitating Manoj Tiwari MS Funny MS Dhoni catch the bat Funny cricket incidents Cricket Fights Sledging in Cricket Dhoni 183 vs Srilanka Dhoni Fastest Stumping ever Ms Dhoni Six vs srilanka Final 2011 World cup Chris Gayle 5 Sixes Chris Gayle 13 Sixes Afridi Biggest Six vs Symonds Brett Lee Retires From International Cricket Mark Boucher Eye Injury Kevin Pietersen Returns From Retirement Afridi 37 Ball 100 Saeed Anwar 194 vs India Sachin Tendulkar 200 vs South Africa Sachin Tendulkar 100th 100 Highlights Imran Nazir vs India Saeed Ajmal vs England Saeed Ajmal Doosra Saeed Ajmal Teesra Sehwag 219 vs Westindies Sunil Narine IPL 2012 Sunil Narine vs Newzealand Sunil narine Wickets vs Australia Yuvraj Singh Six Sixes vs Broad t20 Darren Sammy Sixes Kieron Pollard vs India Hundred Junaid Khan 5 Wickets vs SriLanka 2012 Sangakkara Stranded on 199 vs Pakistan 2012 Mathews 80 vs pakistan 5th odi 2012 colombo India vs Pakistan Biletarel ties Cricket ODI and T20 2012 India vs Pakistan 3 ODI and 3 T20 2012 in India December Shakib Al Hasan vs India Asia cup 2012 Tamim Iqbal four half century Asia cup 2012 Bangladesh vs India Asia cup 2012 Full Highlights Sachin 100th Hundred Highlights Sachin 143 vs Australia Sharjah 1998 India vs Pakistan 2011 World cup Semifinal Highlights Hashim Amla 300 vs England ...From:TheCricketRoomViews:0 0ratingsTime:00:36More inSports
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MS Dhoni shows a Punch to Alastair Cook *Must Watch* - Video
NBA Dunks 2012 – Here Comes The Boom [HD] ◘ – Video
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NBA Dunks 2012 - Here Comes The Boom [HD] #9688;
I made mix about nba best dunks in 2012 season and preseason games 🙂 Mix includes one of the best dunkers in the league: Russell Westbrook, JR Smith, Blake Griffin, Jeremy Evans, Paul George, Gerald Green, also lithuanian JV. Made by:NBAuris Special Thanks to: GytisSF IGNORE----------------------------------------------------------------------------------------LeBron James,Derrick Rose,Tracy Mcgrady,Shaq, LeBron, Dwight Howard All-Star Dance-Off,Slam Dunk Contest,Top 10,NBA Draft 2009,Dwight Howard Superman dunk,AND1,Hot sauce,Lebron james,la lakers,Boston celtics nba champions,La Clippers,Denver Nuggets,Allen Iverson,Dallas Mavericks,East West All star game,nba record,nba street vol 1,2,homecourt,I Challenge Baron Davis,greatest in nba history,shot,block,steal,Michael Jordan #39;s Final Shot 98,Baron Davis, Dwyane Wade, Lebron James, Tracy McGrady, Stephon Marubury, Yao Ming, Gilbert Arenas, Kobe Bryant, Speedy Claxton, Paul Pierce, Nate Robinson, Allen Iverson, and Ben Gordan,Soulja Boy And Lebron James Interview ,Kobe Bryant Jumps Over Car(Aston Martin) Slow Motion,Kobe Bryant Car Jump Exposed,fl, ncaa, baseball, soccer, futbol, football, Nba, basketball, mlb, hockey, nhl, paris fifa, poker, golf, world cup,Guinness World Record,Spud Webb Dunk Contest,the best of derrick rose,Kobe Bryant Jumps Over Pool w/ Snakes (Black Mambas?,LeBron talks with Jay-Z during game nba 10 top plays 07 08 top dunks season finals mvp all star game lebron james vs kobe Bryant chris paul dwight ...From:NBAurisViews:0 0ratingsTime:02:33More inSports
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NBA Dunks 2012 - Here Comes The Boom [HD] ◘ - Video
Retirement Day – Video
Posted: at 5:45 pm
Retirement Day
My first Music Video "Retirement Day" which was inspired by my recent retirement. All instruments, vocals and arrangements performed by Norsia. The song is also available on iTunes. EnjoyFrom:norsia94Views:0 0ratingsTime:03:36More inMusic
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Retirement Day - Video
At 64, should I use my retirement savings to buy a home?
Posted: at 5:45 pm
November 1, 2012: 6:30 AM ET
I am 64 and considering using a large portion of my retirement savings to purchase a HUD-owned home. Those savings are currently enough to support me into my 80s, along with my Social Security benefits. If I buy a home and pay cash, would a reverse mortgage be feasible? Ken S.
Using a chunk of your retirement savings to buy a home at age 64 is a risky proposition, especially since it sounds like you don't have a great deal of flexibility in your retirement plan. It's also a costly one. Withdrawing a lump sum from your retirement account may push you into a higher tax bracket, resulting in a bigger tax bill next April. Not only that, but you also are passing up the tax-deferred growth those assets will generate over the coming years if they stayed in your account.
And while a reverse mortgage is one potential solution to replace your missing retirement income, Gary Schatsky, a New York City-based financial planner, rarely recommends them for his clients. "Reverse mortgages can be safety valves for people who have no other options," he says, but he adds that they may be the more expensive option in the long run because they often have higher origination fees than other forms of financing and can add additional costs to your overall plan.
You may want to consider renting as an alternative, which can be a less expensive option than buying a house and taking out a reverse mortgage, says Schatsky. Ginnie Mae's Buying vs. Renting calculator (http://www.ginniemae.gov/rent_vs_buy/rent_vs_buy_calc.asp) can help you decide on the more affordable option over time.
If you do ultimately decide to buy a house and take on a reverse mortgage, the Federal Housing Administration the agency that oversees the HUD home program provides a reverse mortgage option in its Home Equity Conversion Mortgage program (HECM). If you are at least 62 years of age, you may be eligible for a HECM mortgage that combines the home purchase and the reverse mortgage in one transaction. The HECM program requires that you go through HUD-approved reverse mortgage counseling, however.
Austin Kilham
Got a question for the Help Desk? Send it tohelpdesk@cnnmoney.com.
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At 64, should I use my retirement savings to buy a home?
The ideal retirement withdrawal rate
Posted: at 5:45 pm
NEW YORK (Money Magazine) -- I hear I can take only 4% a year from my portfolio. Why can't I take more? -- Alfred Williamson, White Hall, Md.
The oft-cited rule is to start by pulling 4% from your savings and then increase the dollar amount of that draw by the inflation rate each year to keep up your purchasing power. (That annual inflation adjustment is why you can't just withdraw what your investments earn.)
Do that, and you have a good chance that your nest egg will support you for decades.
Real-world complications, though, can wreak havoc with the 4% strategy -- just ask anyone who left work on the eve of the 2000 or 2008 bear markets.
Here's the hitch: Even if you could know in advance what average return you'll earn in retirement (which, of course, you can't), you wouldn't know what your savings would earn from one year to the next.
With a mix of stocks, bonds, and cash, you'll have some years when returns are excellent, others when they're average, and some when they're downright dreadful. And when you're drawing cash from your portfolio, it's the year-to-year ups and downs that help determine how long your savings will last.
Related: Tame the threat of inflation in retirement
After decades of paying attention to long-term averages while you saved, you need to readjust your thinking.
As the table below shows, when you suffer a sizable setback or a string of lousy returns, especially early in retirement, the combination of rising withdrawal amounts and subpar performance can so seriously deplete your portfolio that your chances of running through your savings dramatically increase.
The fact is, given all the uncertainties in retirement -- how your investments will perform, what your actual expenses will be, how long you'll live -- you can't pick the ideal withdrawal rate in advance. You'll either deplete your savings too soon or leave behind money that you could have enjoyed.
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The ideal retirement withdrawal rate
Make your retirement savings last
Posted: at 5:45 pm
NEW YORK (Money Magazine) -- I hear I can take only 4% a year from my portfolio. Why can't I take more? -- Alfred Williamson, White Hall, Md.
The oft-cited rule is to start by pulling 4% from your savings and then increase the dollar amount of that draw by the inflation rate each year to keep up your purchasing power. (That annual inflation adjustment is why you can't just withdraw what your investments earn.)
Do that, and you have a good chance that your nest egg will support you for decades.
Real-world complications, though, can wreak havoc with the 4% strategy -- just ask anyone who left work on the eve of the 2000 or 2008 bear markets.
Here's the hitch: Even if you could know in advance what average return you'll earn in retirement (which, of course, you can't), you wouldn't know what your savings would earn from one year to the next.
With a mix of stocks, bonds, and cash, you'll have some years when returns are excellent, others when they're average, and some when they're downright dreadful. And when you're drawing cash from your portfolio, it's the year-to-year ups and downs that help determine how long your savings will last.
Related: Tame the threat of inflation in retirement
After decades of paying attention to long-term averages while you saved, you need to readjust your thinking.
As the table below shows, when you suffer a sizable setback or a string of lousy returns, especially early in retirement, the combination of rising withdrawal amounts and subpar performance can so seriously deplete your portfolio that your chances of running through your savings dramatically increase.
The fact is, given all the uncertainties in retirement -- how your investments will perform, what your actual expenses will be, how long you'll live -- you can't pick the ideal withdrawal rate in advance. You'll either deplete your savings too soon or leave behind money that you could have enjoyed.
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Make your retirement savings last
How to Reinvent Yourself in Retirement
Posted: at 5:45 pm
After what has hopefully been a successful career, you find yourself at the doorway to life's next chapter. Retirement offers the promise of living the life you have always wanted to. You now have the opportunity to take it easy or explore a brand new career. Or perhaps you want to travel or try your hand at some artistic pursuits that have intrigued you over the years.
With the majority of your life spent immersed in a career, it should not be surprising that your personality has been influenced by company life. Who you are has been significantly shaped by what you do. However, your successful career-driven persona is not necessarily the best vehicle to realize a fulfilling retirement. Behaviors that led to your success while employed may be out of place in a post-employment world. For example, if you think you are going to use your management skills to "improve" the way your wife runs the home you are sadly mistaken.
As you leave the working you behind it is important to discover who you want to be moving forward. When someone asks what you do, how will you describe yourself now that you are no longer working?
If you hope to realize a fulfilling retirement, it is important to separate the working you from the retired you. In your second act you have the rare opportunity to make adjustments that can improve upon who you want to be in retirement.
Don't expect to lean on your accomplishments from the job. In retirement you need to have a new story to spin. Tales of old victories won while working quickly lose their impact over time. But this challenge can be an opportunity. You no longer need to regale friends in topics that they do not understand or care about. Among retirees you now share a common thread, and you are likely to encounter similar situations and challenges. Victories realized are sweeter when those around you can appreciate them for what they are instead of struggling to understand them.
You need to reinvent who you are. It is important to accept that who you were on the job is not who you are now. Take time to reflect and better understand which on-the-job personality traits will fit in with and compliment your future, and what changes or improvements you would like to make. Now that you are no longer required to do whatever it takes to make a buck you can occupy yourself with what you enjoy.
Aim to redefine success. While working clear goals were laid before you, and you knew how success was measured. In retirement there are no such guidelines unless you make them. It could be as simple as setting a goal to get through the top three items on your to-do list. Or your success may be achieved when you can play a melody on the guitar with minimal mistakes. Having measures of success can help give you a feeling of achievement that is sometimes left behind on the work site.
Make friends beyond business acquaintances. Sometimes when you exit the working world the friends you thought you had move on with their lives. Without the shared bond of the job you may have little in common. But as life situations change so do our friends. How many people still keep in contact with best friends from high school or college? Now that you have the time, you might want to reach out to forgotten friends from days gone by or reestablish ties with family members who fell to the wayside over the years. As your activities change you will meet new people with similar interests to share your time.
Dave Bernard is the author of Are You Just Existing and Calling it a Life?, which offers guidelines to discover your personal passion and live a life of purpose. Not yet retired, Dave has begun his due diligence to plan for a fulfilling retirement. With a focus on the non-financial aspects of retiring, he shares his discoveries and insights on his blog Retirement-Only the Beginning.
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How to Reinvent Yourself in Retirement
VicSuper What Women Want Part 1 – Video
Posted: November 2, 2012 at 12:58 am
VicSuper What Women Want Part 1
Part 1 of 5: Hear from an expert about why you need to invest, what asset classes are, how to manage your superannuation, making the transition to retirement, debt recycling and case studies of Australian womenFrom:VSFundViews:1 0ratingsTime:13:53More inEducation
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VicSuper What Women Want Part 1 - Video