The report titled, Online Program Management in Higher Education Market boons an in-depth synopsis of the competitive landscape of the market globally, thus helping establishments understand the primary threats and prospects that vendors in the market are dealt with. It also incorporates thorough business profiles of some of the prime vendors in the market. The report includes vast data relating to the recent discovery and technological expansions perceived in the market, wide-ranging with an examination of the impact of these intrusions on the markets future development.

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Companies Profiled in this Report includes,

Blackboard,Online Education Services,Wiley,IDesign,Pearson,2U,Six Red Marbles

After studying key companies in the Online Program Management in Higher Education market have been identified by region and the emerging products, distribution channels and regions are understood through in-depth discussions. Also, the average revenue of these companies, broken down by region, is used to reach the total market size. This generic market measurement is used as part of a top-down process to assess the size of other individual markets through a secondary source catalog, a database, and a percentage of basic research.

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This report gives a detailed and comprehensive understanding of Online Program Management in Higher Education market. With precise data covering all key aspects of the existing market, this report offers existing data of leading manufacturers. Understanding of the market condition by compliance of accurate historical data regarding each and every segment for the forecast period is mentioned.

Online Program Management in Higher Education Market is a detailed research study that helps provides answers and pertinent questions with respect to the emerging trends and growth opportunities in this particular industry. It helps identify each of the prominent barriers to growth, apart from identifying the trends within various application segments of the global market for Online Program Management in Higher Education.

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Table of Contents

Global Online Program Management in Higher Education Market Research Report 2019

Chapter 1 Global Online Program Management in Higher Education Market Overview

Chapter 2 Global Economic Impact on Industry

Chapter 3 Global Market Competition by Manufacturers

Chapter 4 Global Production, Revenue (Value) by Region

Chapter 5 Global Supply (Production), Consumption, Export

Chapter 6 Production, Revenue (Value), Price Trend by Type

Continue for TOC.

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Online Program Management in Higher Education Market Update | Increasing Investment Is Expected To Boost Market Growth with Blackboard, Online...

K-12 Online Education Market report, recently published by Research N Reports is a panoramic understanding of its core subject. This statistical data offers an in-depth analysis by considering several factors, such as type, size, technology and applications. Data deduction techniques such as, qualitative and quantitative analysis have been used to provide the readers with a wholesome montage of the businesses. Distinct case studies have been lined up in the report included with supporting statistical data. It closely reads recent trends, tools, methods and technologies that are driving the growth of the market. Key segmentation and sub-segmentation have been elaborated to get useful information to fuel progressive decision making. The scrutinized report offers some significant approaches to discover global opportunities, which can rapidly increase the client base.

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Profiling Key players: K12 Inc, Pearson, White Hat Managemen, Georg von Holtzbrinck GmbH & Co KG, Bettermarks, Scoyo, Languagenut, Beness Holding, New Oriental Education & Technology, XUEDA, AMBO, XRS, CDEL, Ifdoo, YINGDING and YY Inc.

An enormous portion of the market data that is open in any market, in general, makes it a huge responsibility to restrain it down to the most fundamental points of interest and bits of knowledge relevant to the business issues within reach. Numerous associations do not really have the important resources and the specific aptitudes elemental for making fruitful business decisions. Statistical surveying procedures help businesses to clearly access highest stakes in the market which should be taken into consideration for successful decision making.

This report addresses the following key questions:

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Table of Content:

The K-12 Online Education Market report contains wide-ranging statistical surveying for K-12 Online Education Market which empowers the client to break down the future interest and foresee correct execution. The development rate is estimated based on scholarly investigation gives the authentic data on the global K-12 Online Education Market. Constraints and development perspectives meet up after a profound understanding of the development of K-12 Online Education Market.

Chapter 1, Definition, Specifications and Classification of K-12 Online Education Market, Applications, Market Segment by Regions;

Chapter 2, Manufacturing Cost Structure, Raw Material and Suppliers, Manufacturing Process, Industry Chain Structure;

Chapter 3, Technical Data and Manufacturing Plants Analysis of K-12 Online Education Market, Capacity and Commercial Production Date, Manufacturing Plants Distribution, R&D Status and Technology Source, Raw Materials Sources Analysis;

Chapter 4, Overall Market Analysis, Capacity Analysis (Company Segment), Sales Analysis (Company Segment), Sales Price Analysis (Company Segment);

Chapter 5 and 6, Regional Market Analysis that includes United States, China, Europe, Japan, Korea & Taiwan, K-12 Online Education Market Segment Analysis (by Type);

Chapter 7 and 8, The K-12 Online Education Market Analysis (by Application), Major Manufacturers Analysis of K-12 Online Education Market;

Chapter 9, Regional Marketing Type Analysis, International Trade Type Analysis, Supply Chain Analysis;

Chapter 10, The Consumers Analysis of Global K-12 Online Education Market;

Chapter 11, K-12 Online Education Market Research Findings and Conclusion, Appendix, methodology and data source;

Chapter 13, 14 and 15, K-12 Online Education Market Sales channel, distributors, traders, dealers, Research Findings and Conclusion, appendix and data source.

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Actionable Insights on K-12 Online Education Market with Future Growth Prospects by 2026 | Bettermarks, Scoyo, Languagenut, Beness Holding, New...

Dear Catey,

Im quickly closing in on 60 and will retire at the end of this year. I can spend about $2,500 a month in retirement. Im single, and my family lives on the West Coast. I prefer a cooler climate, proximity to an ocean and enjoy a community that supports the arts. Im not opposed to snowbirding to avoid extreme summer temperatures. I currently live in Alaska, and south has an undeniable appeal.

M.D.

Dear M.D.,

Im not going to lie: Finding a compelling spot to live on the West Coast so you can be near your family and the ocean might be a little tough to do with a budget of $2,500 a month. But I think Im up for the challenge. In other words: This winter could be decidedly less chilly for you!

Ive got a handful of places that are artsy, relatively affordable (at least for the West Coast) and within a few hours drive of the Pacific Ocean. Since youre single, you might be able to squeeze by on $2,500 a month in these spots, especially if you dont have much in the way of health care or other expenses, but I will say that youll need to keep a pretty tight leash on your spending to do so.

But before I dive in, I think its important for all readers to note that if you want to spend part of the year in a location like Alaska or Florida, both no-income-tax states, check the rules on how long you must stay in the state per year to maintain the tax advantage. (M.D., this article on Alaska snowbirds might be of interest to you.)

That said, whether you decide to spend part of your time in Alaska or not, here are some spots you might want to consider.

Olympia, Wash.

Like Alaska, Washington has no state income tax and its state capital, Olympia, has plenty of other perks you might like, too, including arts offerings. The Olympia Film Society showcases independent and classic films at the historic Capitol Theater, a city landmark. Art collectors wont want to miss the semiannual Arts Walk, featuring paintings, sculptures, photography and more, Kiplinger writes of Olympia, which it calls a smart place to retire. And should you want more in the way of arts, you can drive about an hour and be in Seattle.

If youre craving the beach, head to the 40-acre Kenneydell Park, which offers 1,000 feet of freshwater beach, plenty of trails to hike and a swimming area on Black Lake. Olympia also boasts a wine trail, a coffee trail and a university that welcomes older students.

Its certainly not dirt-cheap to live in Olympia (the cost of living is 13% above the national average, according to Sperlings Best Places most of that due to housing (the average one-bedroom costs about $930 a month to rent, for example). But the absence of a state income tax could give you a boost should you decide to work a part-time gig to supplement your $2,500 a month, and will help you keep more of the money you withdraw from any retirement accounts.

Eureka, Calif.

Its tough to do California on a budget if you want to be on the ocean, but Eureka fits the bill. Its got a cost of living thats only about 5% above the national average, according to Sperlings Best Places, and the average one-bedroom rents for less than $800 a month.

This sleepy seaport town at the northern end of the state is crowded with artists and dotted with quaint Victorian homes, I wrote back in 2012 when I recommended it for active retirees. And though its small (fewer than 30,000 people), there are interesting arts offerings, including monthly art walks, art galleries, food and music festivals, and more.

Temperatures in Eureka are relatively mild (its typically in the 50s and 60s) and there are myriad redwood trees, as those who hike and bike will surely discover. That said, there are some downsides to living here, including high property-crime rates and more than an average number of rainy days.

Medford, Ore.

This isnt the first time Ive recommended Medford to a retiree when 66-year-old Bill from San Diego got sick of Californias costs, I suggested he go here, too and theres a good reason for that. Medford is pretty affordable (with a cost of living about 9% above the national average) and has decent weather with mild temperatures and less rain than in other parts of Oregon.

Ashland is just 20 minutes by car from Medford and is known as an arts community (its home to the renowned Oregon Shakespeare Festival), but Medford, too, has its fair share of artsy stuff to do, including theater, art galleries and a dance-oriented arts center. Sperlings Best Places even calls it a cultural and residential crossroads between California and the Pacific Northwest.

Also, there are more than two dozen parks in Medford, and southern Oregon offers gorgeous hiking options, and Medford is an emerging wine region with a growing artisan food scene. One possible drawback is a relative lack of diversity in the area.

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Im 59, have $2,500 a month to spend and prefer an artsy community near the ocean thats not too hot where should I retire? - MarketWatch

Dear Liz: Im retired, 64 and delaying Social Security for a few years. I want to create a monthly stream of income from $850,000 in retirement funds. It may be needed to show a solid, dependable income so that I can get a mortgage. Is there any way to avoid the 20% federal and 7% state tax withholding? I do realize the amount I withdraw could trigger higher Medicare premiums in the future. The drawdown is $8,300 per month, which leaves me a spendable amount of $6,000.

Answer: Good for you for delaying the start of Social Security, but please get yourself to a fee-only certified financial planner before you tap any of your retirement funds. A 4% initial withdrawal rate from retirement funds is considered sustainable.

The amount youre contemplating would be nearly three times that. Even if youre withdrawing at that rate for a limited time, it could leave you without enough money later. And if this high withdrawal rate is the only way you can get the mortgage you want, you may be taking on more debt than you can really afford.

The certified financial planner also can help you with a tax strategy. Tax withholding on retirement income is usually voluntary, but paying the actual tax is mandatory.

The percentage you ultimately pay on the withdrawals will be based on your tax bracket, which could be higher or lower than the 20% federal and 7% state rates you cite.

Before you withdraw anything, you should have a good idea of what the tax bill will be and have plans to cover it. Those could include having the investment company withhold a certain percentage or making quarterly estimated tax payments.

You may have done well with a do-it-yourself approach up to this point, but there are many ways to mess up your finances unknowingly in retirement. Youd be smart to get expert help in creating a tax-efficient withdrawal strategy that maximizes your retirement income while minimizing the risk of running out of cash.

Liz Weston, Certified Financial Planner, is a personal finance columnist for NerdWallet. Questions may be sent to her at 3940 Laurel Canyon, No. 238, Studio City, CA 91604, or by using the Contact form at asklizweston.com.

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Liz Weston: Get professional help before withdrawing retirement funds - OregonLive.com

Traditional C.C.R.Cs operate under an assortment of contractual arrangements. Some have high buy-in fees, refundable to varying degrees after a residents death; others function more like rentals. Depending on luxury and geography, they tend to serve seniors who are financially comfortable.

Often, residents sell their houses to pay entrance fees that average $107,000 to $427,000, according to a report from LeadingAge, the trade association representing nonprofit senior care providers. (LeadingAge has rebranded these entities life plan communities.) Monthly fees range from $2,100 to $4,200.

Its a great solution for people who either have means or good retirement plans, some wealth built up, said Ruth Katz, senior vice president of public policy and advocacy at LeadingAge.

So far, the at-home programs carry lower price tags, though members still pay for housing and other living costs. At Senior Choice at Home in Florida, Mr. Ahmadi said, a 75-year-old would probably pay $55,000 to $60,000 in entrance fees and about $525 a month.

At Springpoint Choice, which has about 270 members in New Jersey and Delaware, initial fees run $30,000 to $65,000, with monthly charges of $300 to $500. All the fees are tax deductible.

If in a year they have a life-changing event, they could be paying $400 a month for skilled nursing, which on the East Coast typically costs $13,000 a month, Ms. Laidman said.

Ms. Basso joined Springpoint Choice at a bargain rate. Because she has good long-term care insurance, her entrance fee was a discounted $25,790; she paid it with the sale of her New Jersey house and her parents condo. Her $128 monthly fee has since increased to $146.

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A Retirement Community That Comes to You - The New York Times

Peter Dunn, Special to USA TODAY Published 6:00 a.m. ET Nov. 8, 2019 | Updated 1:37 p.m. ET Nov. 8, 2019

USA TODAY's Janna Herron explains the theory behind the FIRE movement - Financial Independence, Retire Early USA TODAY

Dear Pete,

I just retired at 60.I am a single, head-of-household male with no children.When I retired, my annual salary was about $120,000.I have had my mortgage paid off for about fouryears and have no monthly debt load.I have approximately $1.7 millionin investable assets.

The job I left offered no real pension once I retired.Even though I have taken a part-time job (sixmonths per year, very flexible consulting work ), I am still concerned about outliving my savings.Am I nuts to be concerned? Dean

Feeding Your Piggy Bank: This is how much the average American saves each year

Pete the Planner: I never tell a person not to worry, whether they should be worried or not.Were all wired differently. Instead, Im going to use our time together to illuminate apathto successand to help you identify some circumstances that could upendyour plans.

Im concerned youdidnt mention your current income. In fact, Ive convinced myself you dont know what it is. If thats the case, thats a problem. Sure, you likely make avariable level of income from your consulting gig, but how much is that and how does it set your lifestyle? If you make less, do you spend less?Or do you supplement an arbitrary amount of income with an arbitrary withdrawal from your nest egg?

Yournest egg, as youve acknowledged, is not a bottomless bowl of M&Ms grandma setsoutaround the holidays. Your dollars are finite. And if youwithdraw themindiscriminately, your fear of depletion is warranted.

Whether you like it or not, you need a budget.You must determine exactly how much all of your monthly obligations cost you.(Photo: Getty Images)

I can only assume you lived on your $120,000 salary and that standard of living has continued into your new retirement. You paid off your homeand your debt beforeretirement, which is fantastic. However, that doesnt necessarily mean you then setaside the money that previously satisfied those debts as savings on a monthly basis. If you didnt, then you increased your lifestyle heading intoretirement, which is common, but not great.

In fact, paying off major debts just before retirement can be incredibly dangerousbecauseof the risk of increased discretionary income increasing your lifestyle, heading toward a period of time (retirement) in which your available income is likely to decrease.

Additionally, if at retirement you becamesolelyresponsible for your health insurance premiums, then yourmonthly obligations increased the moment your income theoretically decreased. Assuming fullresponsibilityforinsurancepremiums for the first time in a long time can shock the system, and the wallet.

Whether you like it or not, you need a budget.

Earning Money After Retirement: Look for these three streams

You must determine exactly how much all of your monthly obligations cost you. Once youvefound this number, you have to ask yourself a very vital question Isthis sustainable? Ive convinced myself you dont know the number, and in turn, cant possibly confirmitsviability.

Forinstance, if you spend $6,500 per month consistently, then you must assign income to handle those expenses every month. If you simply spendwhatever feelsright, youll find yourself broke in a decade.

The importance of homing inon your true living expenses isespecially practical as you approach the age in which youll activate your SocialSecurity retirement benefits. Its not uncommon for a person whos been retired for a few years tounintentionally increasetheir lifestyle once Social Security income kicksin. This generallyhappens when a retireeoperates without a budget.

(Photo: Getty Images)

Look, I fully understand how unappealing budgeting is,especially once youve worked so long and hard to provide yourself an adequate retirement. But itsbecause youve worked so long and hard that you oweyourself the benefits budgeting provides.

Cure for loneliness?Alexa as your new bestie: Can an AI robot or voice assistant help you feel less lonely?

Even $1.7 million can disappear in arelatively short period of time if you refuse to budget. To replicate the lifestyle ($120,000 annually) youve just left behind in the workplace,youd need to withdraw 7% ofyour nest egg on an annual basis. That is not a sustainable plan. The more consulting income you earn, the less youll have to withdraw.

You also need to take the time to think through how your consulting income will wane. Will it gradually decrease over time as you purposefully put in fewer hours? Or will your income come to a screeching halt, whether it's voluntary or placed upon you. Too often, retirees who are working part time wrongly assume they alonedictate the continued viability of their part-time income strategy.

Thepiecesof a successful retirement are all there for you. Just be sure toassemblethemcorrectly.

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Pete the Planner: Could a retiree outlive his savings even with a part-time job? Possibly. - USA TODAY

Early retirement is a dream shared by many but achieved by few. In fact, although half of U.S. workers say they'd like to retire by age 60, according to a survey from TD Ameritrade, only a third expect to be able to do so.

Retirement is expensive enough as it is, so if you want to be able to leave your job earlier than the traditional retirement age, you'll likely need to have a mountain of cash saved up to last the rest of your life. So when you picture what types of people can afford to retire early, you may be imagining doctors, lawyers, and other affluent professionals.

Image source: Getty Images.

However, new research shows a surprising reality: Workers who hold unskilled positions tend to retire earlier than their professional counterparts, and they also spend more years in retirement. But before you quit your job, there's more to the story.

This surprising tidbit comes from a report published in theJournal of Epidemiology and Community Health. Researchers spent over a decade studying citizens in the U.K. to find out how occupational social class and overall health affected the age at which workers retired. In part, they looked at the differences between those who worked unskilled jobs like cleaners, messengers, and manual laborers and those who worked professional jobs such as doctors, accountants, and engineers.

Ultimately, they discovered that those who held unskilled positions retired earlier, on average, than those in professional roles. Furthermore, these unskilled workers also tended to spend more years in retirement. In fact, unskilled workers in poor health still spent around five years longer in retirement than professional workers in good health.

That said, the study also revealed that the reason unskilled workers retired earlier usually had to do with health problems. The professional workers who spent fewer years in retirement did so because they were in better health and were able to work longer before retiring.

Early retirement is more common than you may think, and it's not always a positive thing. Roughly 43% of current U.S. retirees said they were forced into retirement earlier than they'd anticipated, a report from the Employee Benefit Research Institute found. When asked why they had to leave their jobs early, the most common responses included health issues and unexpected job loss.

If you have to leave your job earlier than you planned and your savings aren't retirement ready, your golden years may not be as enjoyable as you'd hoped. Especially if you're forced to retire due to health issues and can no longer work, you may have no choice but to make do on whatever you have saved -- whether you can actually afford to retire or not.

Some factors -- like health issues and unexpected job loss -- are out of your control, so you may not be able to avoid an earlier-than-expected retirement. But you can prepare yourself the best you can and protect your financial future.

One way to do that is to start building a robust retirement fund sooner rather than later. If your retirement strategy is to simply work into your 70s or 80s so you don't need to save as much now, your plans could be thrown out the window if you end up retiring before you're financially prepared. While it's not necessarily a bad thing to want to work past the traditional retirement age, make sure you have a backup plan in case you have to retire earlier than you anticipate.

A second option is to increase your Social Security benefits. Waiting to file for benefits until your full retirement age (FRA) will ensure you'll receive the full benefit amount you're entitled to. But if you wait until after your FRA to claim, you'll receive extra money each month in addition to your full amount. That boost can be significant, too -- those with a FRA of 67 can expect to receive an additional 24% each month by waiting to claim until age 70.

The downside to this strategy is that if you're forced into retirement in your early or mid-60s, you'll need to be able to survive on your savings alone until you're ready to claim benefits. But if you can swing it, you can collect fatter Social Security checks every month for the rest of your life.

Early retirement can either be a dream come true or a nightmare, depending on your financial situation. While you can't know whether you'll be forced into an early retirement or not, you can protect your finances to give yourself the best shot at retiring as comfortably as possible.

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Workers in These Careers Retire the Earliest, Study Says - The Motley Fool

Target-date funds (TDFs) can be fantastic retirement savings tools. Many are well-diversified, cost-effective, and automatically reduce risk for investors as they approach retirement.

Theres a problem though. Most hold bonds in their early years when young investors are protected from portfolio balance declines by relatively large contributions to accounts with relatively small balances. They also rarely include meaningful amounts of small-value asset classes which historically have improved returns over the long haul.

To offset this over-conservatism, we proposed a simple solution: multiply the investors age by 1.5 and use that as a percentage to invest in a TDF, then put the rest into an all-equity fund. In backtesting, this approach outperformed a pure TDF approach in more than 99% of the 576 overlapping 40-year periods tested, and only increased dips in portfolio balances (drawdowns) by 2% to 6%. Heres the summary data from that study. Please see that article for detailed descriptions.

Original post:
Here are the two funds you need before and after retirement - MarketWatch

By Elizabeth Alterman, Next Avenue Contributor

Ruth and Al Brod and family in their dining room

When Ruth Brod retired from her job as a probation officer in 2004, she and her retired husband, Al, decided to sell their 1,600-square-foot house in New Hyde Park, N.Y. and move into a 2,800-square-foot house in Delray Beach, Fla. Having ample room to accommodate visiting friends and family was only part of the reason the couple decided to upsize in retirement.

The home prices had risen dramatically in the area where I lived, so I was able to afford to buy a nicer home, Ruth explains. I couldve bought something just fine for half the price. But when youve worked hard all these years, its nice to be comfortable.

The Brods spacious ranch on a quiet cul-de-sac is part of a vibrant 55-and-up community which has given them a chance to make new friends and embrace a range of activities there.

Also on Forbes:

I really enjoy my home, Ruth says. Its not just a house; I bought a lifestyle.

The Brods are hardly alone in bucking the downsizing trend in retirement. People in their 60s are doing it for all sorts of reasons from finding a home that better suits them to buying one with room for a live-in parent or visiting family members.

People who choose to upsize in retirement often do so when relocating to a more climate-friendly area, such as Florida or Arizona, says Cara Ameer, a real estate agent with Coldwell Banker Vanguard Realty in Jacksonville, Fla."Many times, they want to find their dream home and feel it is time to make that happen.They dont want to sacrifice on location, finishes, and, most importantly, a view.

For some fortunate people, upsizing in retirement can mean trading up apartments to live the luxe life theyve envied.

Says Manhattan-based real estate broker Susan Landau Abrams of Warburg Realty: We have been involved in several transactions where empty-nester clients moved from three-bedroom owned apartments to four- and five-bedroom owned apartments. They are at the pinnacle of their success and want to enjoy life and live graciouslyThey want spacious master bedrooms, his and her master bathrooms, an office/library and a chefs kitchen. Several of our clients have dedicated an entire bedroom to create the ultimate luxury in Manhattan: a huge walk-in closet.

Next Avenue recently wrote about the trend of some empty nesters in their 60s moving from the suburbs into the city. New York City-based real estate broker Michael J. Franco of Compass says hes noticed that as an upsizing trend, too.

Ive seen a lot of baby boomers coming back into the city and spending more money on residences than they made selling their houses in the suburbs, he says.

In certain instances, they leave modest houses in the suburbs to lavish apartments in Manhattan to pursue a more active lifestyle. In others, theymove from smaller apartments to bigger ones to accommodate grandchildren or other guests. They want room for kids and grandkids in hopes of them visiting more, says Franco.

Still, upsizing isnt the norm among people relocating in retirement.

An April 2019 survey of adults age 50 and 60 conducted by Del Webb, a leading builder of active adult communities, found that of those planning to move in the future, 43% prefer their next home be the same size as their current one and 22% want it to be bigger. Nearly a third of the Gen Xers surveyed desiring more space (29%) said theyd design their next home to accommodate their parents.

And sometimes, the upsizing happens by moving from one home in a retirement community to a bigger one there.

Thats what Ken and Sharon Thomas did. They live in Del Webbs Sun City Peachtree active 55-plus community in Griffin, Ga., and recently moved from a 2,690-square-foot home in it into one boasting nearly 4,000-square-feet. The couple moved to Sun City Peachtree in 2013 after Ken retired from Lockheed-Martin. They opted to buy the larger home in 2018 to accommodate Sharons mom, whod lost her husband and is not as ambulatory as she once was.

Says Ken Thomas: A lot of my generation is bringing their parents in, as opposed to putting them in retirement homes or assisted living where the parents would be moved into a foreign environment. Were very blessed to be in a position to do that.

Similarly, the Thomas neighbors, Patty and Chuck Leer, have decided to spread out a bit. Though their new home is only 300-square-feet larger, it offers more usable space that will afford Chuck the workshop he wants and additional room for Pattys interests, which include quilting, painting and card-making.

Our living room is about double the size it was, says Patty.We have one dining area instead of two, and our current sunroom will be traded for a much bigger screened porch.So, our reason to upsize was to put the space where we would best use it.

If youre thinking about upsizing in retirement, planning early can be the key to making the dream a reality.

John Bergquist, senior founding partner at Common Sense Financial in South Jordan, Utah, who has helped retirees reach this goal, has a suggestion.

If you are seeing this in your future, you definitelywant to incorporateit into your retirement plans, Bergquist says. That may mean prioritizing whats important.

Maybe you choose not to take the extra vacation trip or plan to do more staycations, so you can use the funds to buy that larger home. Maybe you decide to drive more economical cars to have the extra funds. It's just a matter of deciding what's most important to you.

And a piece of cautionary advice from Ameer: a larger home can mean super-sized utility bills.

A bigger home costs more to maintain no matter where you live, she says.And if the home has a swimming pool or a dock for a boat, she notes, that only further adds to maintenance and upkeep.

Upsizing, if you can afford it, offers plenty of upsides. But before you get your heart set on a sprawling abode, be sure to consider the costs that come with it.

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Upsizing In Retirement: Going Against The Grain - Forbes

If youre planning to retire at the end of this year, or are just curious about what happens to your application when the time comes, youre probably interested in retirement processing. During the summer, I dedicated two columns to this topic: 3, 2, 1...Retire! And What Happens to Your Retirement Paperwork. Later I wrote about a field trip I took to Boyers, Pennsylvania, to see firsthand how the Office of Personnel Management handles retirement applications.

A federal retirement application is still completed on a paper form, like it was in 1920 when civilian employees first were provided retirement benefits. But advancements now allow the information on the form to be passed to OPM electronically so that your retirement can be completed more accurately and efficiently.

Thanks to modernization, according to Ken Zawodny, OPMs associate director for retirement services, 74 percent of non-disability retirement claims are currently processed in 44 days or less. Although there are still cardboard folders, paper fasteners and metal file cabinets all over OPMs Retirement Operations Center, and full automation of the retirement claims process is still in the future, Zawodny is proud that OPM has incorporated Lean Six Sigma production management concepts in order to streamline retirement processes.

One way to shed light on retirement processing is to look at at some facts and figures:

30

The rough percentage of retirement claims that have a deposit or redeposit, which means money is owed to the retirement fund in order to credit a period of service towards eligibility and/or computation of a retirement benefitor in some cases, to avoid a reduction to the benefit. Before final processing, the new retiree is given an opportunity to pay unpaid deposits or redeposits.

40

The percentage of new retirement claims that are submitted via the Defense Finance and Accounting Service. Another 30% come from the Postal Service, along with 15% from the National Finance Center, 8% from the Interior Department Business Center, and 4% from the General Services Administration. The rest come from smaller independent payroll offices.

50

The percentage of new retirement claims placed in interim pay status immediately. Interim pay is generally equal to 80% of your basic retirement benefit and is paid to you while your claim is being finalized. There are some situations in which the figure is lower than 80%.

59

The number of data elements electronically transmitted from your payroll system to OPMs Retirement Operations Center when your application is submitted. This allows OPM to immediately begin processing your retirement claim.

85

The percentage of new retirement claims that are Federal Employees Retirement System applications. Just five years ago, claims were split about evenly between FERS and the Civil Service Retirement System.

115

The age at which a retiree's records are no longer retained. Records of thosewhose date of birth is 1904 or earlier are destroyed.

250

The approximate number of retirees who reach age 100 every month. These folks receive a letter in the mail from OPM upon reaching this milestone.

950

The approximate size of OPMs retirement operations staff: about 500 employees at the Retirement Operations Center in Pennsylvania, 150 at a call center (also in Pennsylvania), and 300 in Washington.

86,000

The approximate number of CSRS employees left in federal employment.

1 trillion

The dollar value of combined assets for retirement, health benefits and life insurance programs for federal employees that OPM oversees.

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10 Numbers That Tell the Story of Retirement Processing - GovExec.com