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Leah Williamson launches Coaching for Life project in Indonesia | Save The Children – Football (soccer) greatest goals and highlights – 101 Great…

Posted: October 12, 2019 at 10:43 am


101 Great Goals is a global, football media news publisher devoted to producing content for a digital generation over web, social and mobile platforms. The 101 Great Goals website is constantly updated with football (soccer) news, video and social media updates by the hour. Every single day of the week.We pride ourselves at 101 Great Goals on sourcing the greatest football video content on the world wide web as well as being up to date on all social media updates regarding major teams and players. You can also find on 101 Great Goals extensive transfer news both during the transfer windows as well as gossip and rumour throughout the year. We cover some of the biggest teams in the world, including Manchester United, Arsenal, Chelsea, Liverpool, Real Madrid, Barcelona and Tottenham.101 Great Goals is also active on an hourly basis on social media, including Facebook, Instagram and Twitter. All odds quoted are correct at time of publishing and subject to change.

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October 12th, 2019 at 10:43 am

Posted in Life Coaching

Sabres coach Ralph Krueger: the most interesting man in hockey – Montreal Gazette

Posted: at 10:43 am


BUFFALO Its no exaggeration to say Buffalo Sabres head coach Ralph Krueger is the most interesting man in hockey.

The Winnipeg native describes himself as a pure hockey player who is self-educated, but he has put together an interesting resum in his 60 years.

Krueger went from being a high-scoring forward in the German hockey league to a successful coaching career with the Swiss national team.

In his spare time, he wrote a book on leadership that was a best-seller in Europe, advised top corporations on leadership, had a seat at the World Economic Forum in Davos and served as the chairman of Southampton FC in soccers English Premier League.

Team Canada coaching consultant Ralph Krueger, speaks with Sidney Crosby during a practice at the 2014 Olympic Winter Games in Sochi, Russia, on Feb. 11, 2014.Al Charest / Calgary Sun

The idea of leadership has consumed Krueger since he was a youngster. He said St. Johns Ravenscourt, a prestigious private school in Winnipeg, had a profound influence on his life and he began to think about leadership when he was the head boy in Grade 7.

When I look back on my life, that was when I felt the urge to be a leader, said Krueger. I was never really happy as a player but the first day I coached, when I was 29, 30, that was when I was the happiest man on the planet and I knew that was my calling.

One of the abilities I have is to process what it takes for a team to evolve, to create the harmony, to bring together all these diverse cultures we have in the NHL to get them to work together, said Krueger. Its like an experiment and hockey is the most beautiful platform for me.

Krueger was behind the bench for 18 world championship and Olympic tournaments with the Swiss national team. He led the Swiss to a 3-2 win over the Czech Republic and a 2-0 win over Canada at the 2006 Olympics. At the Vancouver Olympics in 2010, the Swiss took gold medallist Canada to a shootout before losing 3-2

His experience gave him an understanding of different hockey styles and cultures and it helps him in Buffalo, where he has players from six countries.

Every country in Europe has its own personality, the two in North America Canada and the U.S. have different personalities and you can see it in the way they play, said Krueger. It helps me that I can recognize those differences and then bring them into the team. The Swedish culture is a defensively-based, sacrificial kind of game. The Swedes play the most controlled hockey in Europe and the Finns are more open, run-and-gun. The Russians sit back and play 1-4 all the time and scoring chances are 10, 12 a game.

Buffalo is Kruegers second stop as an NHL coach. He coached the Edmonton Oilers in the lockout-shortened 2012-13 season and was fired after missing the playoffs. His contacts with the World Economic Forum led to an offer to serve as the chairman at Southampton, although he did maintain some hockey connections.

Team Europe head coach Ralph Krueger during morning practice at the Bell Centre on Sept. 10, 2016.Pierre Obendrauf / Montreal Gazette

He served as a consultant to Team Canada in 2014 and Claude Julien, who was an assistant coach with the Canadian team, said Krueger offered valuable insights into the European teams. And Kruegers experience made him a natural to coach Team Europe at the 2016 World Cup.

Krueger is happy to get another shot at the NHL, but said it wasnt a must. When Jim Rutherford moved to Pittsburgh and became GM in 2014, he talked to Krueger and Buffalo general manager Jason Botterill made his first pitch in 2017.

Ive always been a project person and I didnt feel it was right to leave Southampton, said Krueger. Once I had closure there, six or seven months ago, I knew this was my dream but I wasnt sure anyone would give me the opportunity. I was grateful Buffalo came calling.

Krueger has the Sabres off to a 2-0-1 start and Wednesday theyll take on the Canadiens, the team Krueger cheered for as a youngster.

They were by far my favourite hockey brand as a kid, but now I cant love them as much, not tomorrow.

phickey@postmedia.com

twitter.com/zababes1

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Sabres coach Ralph Krueger: the most interesting man in hockey - Montreal Gazette

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October 12th, 2019 at 10:43 am

Posted in Life Coaching

Nike to Shut Down Salazars Oregon Project – The New York Times

Posted: at 10:43 am


The end of the Oregon Project is the latest development in a stunning downfall for Salazar and a fissure in one of the longest professional relationships of his life. Salazar has had a close relationship with Nike since he migrated to the Pacific Northwest from Massachusetts as a teenager to attend and run for the University of Oregon, alma mater of the Nike co-founder Phil H. Knight. Knight started the company that would become Nike with the famed Oregon coach Bill Bowerman shortly after graduating from Oregon, where he was a member of the track team.

Nike sponsored Salazar as a professional, when he won three consecutive New York City Marathons and became the worlds top distance runner. His running career cratered in the mid-1980s as he battled injuries and depression. Salazar later became a sports marketing executive with Nike, and in 2001 founded the Oregon Project. The venture emulated other elite training groups that were popping up at the time, notably the Mammoth Lakes, Calif.-based Team Running U.S.A., but with far more money, access to Nikes scientific research labs, and with Americas best-known distance runner at the helm.

The biggest stars of the Oregon Project were Galen Rupp, an Oregonian Salazar discovered when he was a teenage soccer star, and later, Mo Farah, the Somali-born Briton, who won four Olympic gold medals and then left the Oregon Project in 2017. Both Rupp and Farah have denied using performance enhancing drugs. Even as those stars succeeded,others left the Oregon Project dispirited, their bodies broken and their minds damaged by Salazars intense workouts and coaching style.

For more than a decade the Oregon Project operated largely in secrecy. The wall of silence began to break 10 years ago, when a Nike scientist called USADA to report suspicious testosterone levels in blood tests of Oregon Project athletes.

Three years later, an Oregon Project scientist and coach, Steve Magness, left and began to speak publicly about experiments with testosterone and L-carnitine infusions that were in excess of antidoping limits.

Kara Goucher, the former Olympian who trained with Salazar for seven years, spoke of how Salazar pushed athletes to take prescription drugs that were unnecessary but had side effects that might prove beneficial to endurance athletes. In testimony at his arbitration hearing, Salazar acknowledged distributing prescription drugs.

I was a part of a culture that was so manipulative and so controlling and so wrong, Goucher said in an interview last week. Your entire life is dependent on the power of this brand.

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Nike to Shut Down Salazars Oregon Project - The New York Times

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October 12th, 2019 at 10:43 am

Posted in Life Coaching

Sober October: The people who have given up drink and not looked back – Metro.co.uk

Posted: at 10:43 am


Sober October has got people thinking about giving up booze (Picture: Getty)

This month, people across the country will be swapping ciders for cordials as they take part in the national initiative Sober October, to raise money for charity.

We often make jokes about how we are gasping for a drink or pushing through Dry January but this language raises questions about how reliant we are on alcohol and how much its ingrained into everyday culture.

Work drinks? Date night? Hen dos? The expectation for drinking is hard to escape.

To mark this national month of sobriety, we spoke to people who decided to ditch booze all together and say its the best thing theyve ever done both physically and mentally.

Dom McGregor, COO of Social Chain, realised he was drinking too much when he founded his business around five years ago. As a start-up, his business grew extremely quickly, with reasons to celebrate every week be it an amazing new client or a new starter. This culture for celebration led to weekly drinks. But with this growing business came increased responsibilities for Dom.

Instead of these weekends being celebratory I found they were self-medicating, he says.

I was spending a lot of time going out drinking, but it wasnt to enjoy the feeling of the party it was literally to get drunk so that in my head all the problems would disappear and they did temporarily.

It spiralled when I would get more and more drunk. The speed of drink would increase, the strength of the drink would increase. I would get completely out of control. There were a number of things that happened during this spiral that made me start to think subconsciously about what was going on.

Firstly I broke my ankle on a Thursday and needed to go to A&E on Friday when I had clients emailing me asking me for things which obviously I couldnt do. I also kept embarrassing myself and making a fool of myself to the team and that was something that I started to get a reputation for.

And then one day, after a full day of drinking at the races, one of the guys from work was trying to help get me home because I was uncontrollable and I was derogatory towards him. Hes one of my closest friends. When I heard what I had said to him, with no memory of it, I realised I was someone that I never wanted to be.

To me that hammered home something was wrong.

Dom decided to see a therapist who told him he had anxiety over his future, low self-esteem and Imposter Syndrome and that he was taking it out on himself by turning to alcohol. His therapist advised him to give up alcohol. The first month was a struggle but Dom pushed through and has been sober ever since.

Dom says theres been a huge rise in female sobriety over the past few years, but he thinks there needs to be more of a focus on male sobriety.

Veganism and sobriety are two things I think women lead the way in and I think the male space is massively under-represented, he tells us.

The expectation of male activities and male lifestyle choices revolve around alcohol the expectation when you go to say football or business meetings. The expectation is very common within the male lifestyle. I think theres a lot of work to be done for young men especially to feel comfortable about a life without drinking.

In terms of advice he would give to others thinking of giving up drinking, Dom says: Everything that alcohol gives you temporarily the energy, the humour, the confidence you can achieve being sober forever.

British food writer, journalist and author Jack Monroe is another person who has ditched drinking for good. Earlier this year she wrote a piece for the Guardian about coming to terms with the fact that she was an alcoholic.

She tells Metro.co.uk: Its been just over nine months since I recognised that my relationship with alcohol is an unhealthy one I was using it heavily as a coping mechanism for past traumas and low self-esteem and it was affecting my work, my friendships, and my family.

Its not been easy, and Ive admitted that Ive slipped up a couple of times, but Im definitely more emotionally stable, more productive, sleeping better than I ever have done.

I have been overwhelmed by the support of my family and friends; people making sure there are alcohol-free options at work events, friends bringing me nice sparkling grown-up soft drinks when I make them dinner. Its an all-round positive change and Id encourage anyone who might be considering it, to give it a go.

Nicole Sage, from Plymouth, gave up alcohol six years ago for health reasons following a pancreatitis diagnosis. Now, aged 27, shes a commercial director for a baby company BabyDam.

Nicole said: I unfortunately had pancreatitis when I was 17, which is incredibly rare for someone of my age, she explains. At the time I had no support, indication to what caused it or advice on what I would need to avoid in the future.

The doctors basically said I had to stop drinking and it was honestly the best thing I have ever done with my life.

My life changed for the better in my health and personal life. Along with the confidence that I gained which wasnt found at the bottom of a bottle, so did my self-worth. I know who I am now and know where I want to be in life. There is nothing that overshadows how I feel or perform in my daily life now.

Richard Maule decided to give up alcohol almost a year ago and his fianc Jade followed suit, six months later. The pair have both seen substantial health and financial benefits from their decision to go teetotal.

Richard says: The first couple of months were challenging especially during social situations but the longer I persevered the easier it got and actually it challenged me to find confidence whilst being sober and to seek out more interesting ways to spend my time with friends.

Instead of going to a bar and getting drunk, wed do things like go to low key music gigs, go rock climbing or do a martial arts class together which actually meant we had better quality time together.

This naturally started to translate into a healthier lifestyle and a better diet as I felt I also had better control over my food choices with no binges due to hangovers. Since cutting out alcohol I have also experienced much better sleep, which in turn has given me a greater clarity of mind. Its had a huge impact on my life coaching business and relationship too as I have a lot more capacity to be patient and understanding.

My fianc, Jade, has also experienced life-changing benefits. She used to regularly suffer with periods of low mood but since stopping drinking alcohol they have significantly improved and she almost never experiences them anymore.

We generally have a much happier life than before. Our decision to stop drinking has allowed us to put money aside and move to Bali this year, thanks to cheaper living cost.

We are also saving around 400 a month from not drinking so we live a pretty abundant life out here. Wed never look back.

Cai Graham, a parenting coach, saw alcohol as a de-stressor and a reward. She decided to make a change after realising she was using alcohol as a crutch.

For a very long time, booze had been a big part of my life. For as long as I can remember, most of my family gatherings and social occasions revolved around me having a glass in my hand.

As a young mum, my frazzled nerves were softened with a chilled glass of Sauvignon or my signature gin, lime and soda. Booze was daily de-stressor and my reward. I used to see these celebrities on TV saying they were sober and I couldnt even imagine my life without booze.

I convinced myself that is was a fun part of my life. The crunch came when my daughter, then aged 10, wanted a lift to see a friend and asked me to pick her up at 9pm. I begrudgingly agreed blaming her for denying me my gin.

This pulled me up short. This fun part of my life was now my crutch.

Knowing myself as I do booze had to be all or nothing for me. So after inhaling Allen Carrs book The Easy Way to Control Drink the decision to quit was a no brainer. It was as simple as just making that decision to throw my crutch away and the relief was palpable.

That was 10 years ago.

My life is great. I have clarity none of that brain fog. I have my weekends back as I used to stay in bed till midday pretending it was a lie-in. My social circle has shifted a bit, but thats to be expected I guess. I am so thrilled that I no longer have the paranoia at the weekend, wondering if I have upset anyone or made a fool of myself from the night before.

MORE: For those that can, going sober for October is brilliant, but alcoholics arent getting the help they need

MORE: How do you go sober for October?

MORE: What is Sober for October? Everything you need to know

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Sober October: The people who have given up drink and not looked back - Metro.co.uk

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October 12th, 2019 at 10:43 am

Posted in Life Coaching

How will Washington move forward in support of Dwayne Haskins? – The Undefeated

Posted: at 10:43 am


A series chronicling the rise of black quarterbacks in the NFL

ASHBURN, Va. As soon as retired quarterback Jason Campbell learned that Washingtons NFL franchise had fired head coach Jay Gruden this week, it was clear to him what the team must do next in support of rookie quarterback Dwayne Haskins.

Any coach they recruit has to not just understand the quarterback position but also understand what Haskins strengths are, said Campbell, who is a former Washington first-round draft pick and has advised Haskins during his first season. They have to get one of these offensive minds, these guys who understand the age were in and the type of offense that works, who can really relate to [Haskins] and get him to where he needs to be. Right now, for Washington, thats everything.

At one time, Gruden was viewed as the quarterback whisperer Washington needed. Its easy to forget now, but team president Bruce Allen hired Gruden, whom he worked with in Tampa Bays organization, to help rebuild Robert Griffin III. (Gruden, though, quickly determined that Griffin was ill-suited to be a long-term starting NFL passer.)

But things also change when youre fighting to keep your job.

Throughout Washingtons winless start that resulted in Grudens ouster, the debate about Haskins standing on the depth chart raged on. Grudens many critics accused him of, essentially, sabotaging Haskins development because he was not high on the former Ohio State star (whom team owner Daniel Snyder was eager to draft) in part because Gruden preferred to draft a player who was more ready to contribute and help the team win. Its a familiar storyline with this bunch, illustrating the dysfunction of a once-proud franchise that has become a national laughingstock.

Regardless of Grudens handling of Haskins (well get back to that later), what matters now is Gruden has left the building, and the organization has to move on and chart the best path forward for a young, inexperienced quarterback. The man most responsible for constructing the 0-5 team is still counting on Haskins.

Were excited as hell to have him [Haskins] on this football team, Allen said at team headquarters on Monday while officially announcing that Gruden had been fired. He has a great future ahead of him.

For Washingtons vision of Haskins future to become a reality, though, senior management will have to do something it has regularly failed at for the past 20 years or so: make a good hiring decision.

Under Snyders reign as owner since 1999, the team has produced an abysmal 139-185-1 record and only five playoff appearances in 20-plus seasons. During this span, Snyder has now fired five coaches and will hire his eighth coach after the season. For Washington, the next head coach must be a game changer especially in getting Haskins up to speed as a starter.

They have to do things differently, said Campbell, who started 52 games during four seasons with Washington and has experienced the organizational dysfunction firsthand. When youve been in the league for some time and been other places you just see things are done differently than in Washington. You look at some of the coaches they had there. The young, talented coaches who got away.

These are guys who went other places and are head coaches. Sean McVay [Los Angeles Rams], Matt LaFleur [Green Bay Packers] and Kyle Shanahan [San Francisco 49ers]. Those are the type of guys who understand this age were in and the offense being played. And they all understand the quarterback position. Guys like that could really help [Haskins].

Campbell declined to advocate for anyone in particular to fill Washingtons coaching vacancy (Bill Callahan is the interim head coach). But ESPNs Ed Werder reported that a list of potential candidates would include Pittsburgh Steelers head coach Mike Tomlin, Tampa Bay Buccaneers defensive coordinator Todd Bowles and Kansas City Chiefs offensive coordinator Eric Bieniemy, who has played a key role in the development of reigning league MVP Patrick Mahomes.

No matter whom Washington hires, Campbell just wants the team to make a sound decision, because hes rooting hard for Haskins.

People want to talk about the [New York] Giants game when he had those [three] interceptions, but thats a difficult situation to be thrust into, Campbell said. Im not making excuses for him, but fans dont understand how hard it is to be ready when youre not getting the practice reps. Thats not just him. Thats any quarterback.

Washington quarterback Dwayne Haskins is sacked by the New York Giants Dalvin Tomlinson (center) and Tuzar Skipper (right) during their game on Sept. 29 at MetLife Stadium in East Rutherford, New Jersey. Haskins threw three interceptions in a 24-3 loss.

Al Bello/Getty Images

What I know for sure is that this kid has arm talent. He can make the throws. Hes also a big, tall kid. Theres a lot to work with. No one can honestly say what he cant do yet because hes just really starting out. Anyone who looks at that one game thats just crazy. There are coaches who will want to work with him.

Where Washington officials push back on the Gruden hates Haskins narrative is that Gruden wasnt alone in wanting Haskins relegated to clipboard duty. Its evident to Washingtons football people that Haskins is not ready to start on a team with a strong roster, let alone on one with Washingtons crater-sized holes. The team is in a standoff with Pro Bowl left tackle Trent Williams, who apparently wants out. Washingtons running game can be charitably described as ineffective. And as for the teams defense, well, Washingtons opponents are averaging 30.2 points and 407.8 yards per game, ranking 30th and 28th, respectively, in the 32-team league. One team official joked that if Gruden truly disliked Haskins and wanted to sabotage his development, he would have named him the starter for Week 1.

Of course, theres also the swim-or-sink approach.

Dwayne Haskins walks onto the field in the fourth quarter of the Sept. 29 game against the New York Giants. People want to talk about the Giants game when he had those [three] interceptions, but thats a difficult situation to be thrust into, said former Washington quarterback Jason Campbell.

Elsa/Getty Images

Many fans have argued that Haskins should start regardless of the teams deficiencies, figuring he could benefit from first-team practice reps and game experience. Thats reasonable in theory. Football, however, is played on the field. It would be foolish for Washington to risk ruining Haskins body and psyche when hes not ready to take command of the team. At least on that much, Washington officials appear to get it, which is why Callahan announced Haskins was not a candidate to start this week against the Miami Dolphins.

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Campbell, meanwhile, remains confident that under the correct tutelage, Haskins eventually will be ready to take charge for Washington.

If you get him with the right type of people, if you get him with the right type of coaching staff, he has the opportunity to be successful, Campbell said. But again, they have to make the right decision.

And for the teams long-suffering fans, thats the scary part.

Jason Reid is the senior NFL writer at The Undefeated. He enjoys watching sports, especially any games involving his son and daughter.

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How will Washington move forward in support of Dwayne Haskins? - The Undefeated

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October 12th, 2019 at 10:43 am

Posted in Life Coaching

The Scripts Danny ODonoghue had to leave The Voice coaching role to care for his beloved mum – The Irish Sun

Posted: at 10:43 am


THE Script frontman Danny ODonoghue told how he had to quit his coaching role on The Voice to care for his beloved mum.

The Dubliner, 39, was part of the BBC talent shows original judging panel, alongside Jessie J, will.i.am and Sir Tom Jones.

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However, fans were surprised when he quit the panel in 2013 after the shows successful second series - with the star claiming at the time that he was leaving to focus on his music commitments with The Script.

He has now revealed that his mother Ailish had suffered a brain aneurysm and that he quit to be with her.

Speaking to Lorraine Kelly on ITV, he said: My mum had a brain aneurysm just after the second season.

I think everyone thought I just pulled off the show and just didnt want to be there.

My family were back home in Ireland. When something that devastating as that goes on, you rally around.

Not necessarily to the detriment of the band, but our star was rising so it seemed odd for me to come off the show. But I wouldnt have had it any other way.

Following her health scare six years ago, Ailish passed away in February of this year. Danny also lost his dad Shay in 2008, soon after the bands rise to fame.

The star told how the tragic loss of his mum inspired the bands new album, Sunsets and Full Moons, which he says speaks to the darkness and the light the band experienced over the past few years.

He said: Weve had a hell of a year from the birth of children to the death of parents. Its called Sunsets and Full Moons, from the finish of one thing to the beginning of something else. We believe life goes in cycles.

That to me just shows the ying and yang, the push and pull of life.

Danny also opened up about buying a round for the groups Belgian fans on St Patricks Day 2018 - revealing how the generous gesture set him back 22k.

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He laughed: We gave 8,000 drinks out to the crowd. Do you know how much it was? It was 22k and this guy had to pay for it.

The band today announced a new European tour which starts in Liverpool next February before arriving at Belfasts SSE Arena on March 3, followed by two dates at Dublins 3Arena on March 6 and 7.

Tickets for the Dublin dates are from 42.70 and on sale next Friday, October 18th from usual outlets at 9.30am.

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The Scripts Danny ODonoghue had to leave The Voice coaching role to care for his beloved mum - The Irish Sun

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October 12th, 2019 at 10:43 am

Posted in Life Coaching

62% of Americans say they’re behind on saving for retirementhere are 4 ways to catch up – CNBC

Posted: at 10:42 am


If you're feeling behind when it comes to saving for retirement, you're not alone: Most Americans, 62%, say they need to catch up.

That's according to a 2019 TD Ameritrade report, which surveyed 1,015 U.S. adults ages 23 and older with at least $10,000 in investable assets.

When asked why they've fallen behind on their retirement savings, the responses varied by generation: The No. 1 response for millennials (ages 23-38) was housing costs (37% cited it), while the top response for Gen X (ages 39-54) was inadequate income (31% cited it).

No matter where you're starting, there are ways to increase your savings without without feeling cash strapped or making any drastic lifestyle changes. Here are four effective strategies.

The sooner you start saving and investing, the less you'll have to save each month to reach your goals, thanks to the power of compound interest.

If you start at 23, for instance, you only have to save about $14 a day,or$420amonth, to be a millionaire by 67. That's assuming a 6% average annual investment return. If you start at 35, on the other hand, you'd have to set aside $30 a day, or $900 a month, to reach seven figures by 67.

One of the simplest ways to get started is to fund your employer-sponsored 401(k) plan. If your company doesn't offer one, or you're self-employed, consider other options, like contributing to a traditional or Roth IRA.

If you automate your retirement savings meaning, you have a portion of your paycheck sent directly to a retirement account, such as a 401(k), Roth IRA or traditional IRA you'll never even see the money you're setting aside and will learn to live without it.

Ideally, you'll want to work your way up to saving at least 10% of your pretax income, but if you're only comfortable with putting away 1%, start there and gradually increase your contributions.

Once you've set up automatic transfers, check to see if you can also set up "auto-increase," which allows you to choose the percentage you want to increase your contributions by and how often. This way, you won't forget to up your savings or talk yourself out of setting aside a larger chunk when the time comes.

If you can't find the feature online, call your retirement plan provider to find out if it's possible.

If your company offers a 401(k) plan, they may also offer a 401(k) match, which is essentially "free" money. But it's up to you to take advantage of it.

These programs are pretty straightforward. Typically, your employer will match whatever contribution you put toward your 401(k) up to a certain amount. If you choose to put 5% of your salary directly into your account and your employer matches dollar-for-dollar, then it will put that same amount in as well, in effect doubling your contribution. And whatever money your company contributes doesn't count towards the IRS contribution limit. The median matching level is 4% among Vanguard 401(k) plans.

Note that depending on where you work, the match sometimes comes with stipulations. You may have to work at the company for a certain amount of time before it goes into effect, for instance.

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62% of Americans say they're behind on saving for retirementhere are 4 ways to catch up - CNBC

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October 12th, 2019 at 10:42 am

Posted in Retirement

Planning to work in retirement? Heres what you need to know – Atlanta Journal Constitution

Posted: at 10:42 am


If youre like most Americans, you may be struggling to save money for retirement. Around 22% of Americans have less than $5,000 in retirement savings, according toNorthwestern Mutuals 2019 Planning & Progress study. But the future doesnt have to be grim.

RELATED:1 in 4 Americans dont plan to retire, new poll shows

Working in retirement may sound daunting, but there are plenty of reasons to keep up the daily grind later in life. People often decide to keep working or take up partial employment so they can supplement their retirement savings, for social interaction or to keep a sense of structure, according toNerdWallet.

The gap in retirement savings has a lot to do with the fact that many Americans plan to work during retirement nearly 19%, or 9 million, are working part or full time, according to thePew Research Center.

RELATED:Why WalletHub says Atlanta is pretty good place to retire

While your household income may get a boost, working in retirement could affect other sources of income, like Social Security or even your taxes. According to the financial planning websiteSmartAsset, here are the rules for working while receiving benefits:

For each year you delay your benefits beyond your normal retirement age, up to age 70, your benefit amount increases. If youre able to wait until age 70, youd receive 132% of your benefit amount.

RELATED:Wes Moss: Its never too late to save for retirement

Another factor to consider is that for a traditional 401(k) or IRA, you have to start taking the minimum distribution amount when you hit 70.

If youre wondering if your employer can cancel your health insurance when you turn 65, the answer is yes, but only if you work at a company with fewer than 20 employees.

As for how working in retirement will affect your taxes, if youre working and receiving Social Security benefits or have a pension, some of your benefits might be taxed. Since Social Security is based on combined income, if that adjusted gross income is more than $25,000 for single filers and $32,00 for joint, up to 50% of your Social Security benefits could become taxable income, according to NerdWallet.

Need more information on whether you should work in retirement? Check our NerdWalletsretirement calculator.

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Planning to work in retirement? Heres what you need to know - Atlanta Journal Constitution

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October 12th, 2019 at 10:42 am

Posted in Retirement

Best places to retire in 2020 – Fox Business

Posted: at 10:42 am


Ramsey Solutions financial expert Chris Hogan on how Americans can set a budget, tackle their debt and boost their retirement savings.

About 10,000 Baby Boomers reachretirement age each day, and some are choosing to leave their homes behind in search of a more desirable place to live out their senior years.

But where are they headed?

U.S. News & World Report unveiled its annual best places to retire rankings on Tuesday with Florida scoring four of the top 10 spots, including threeof the top five.

That may come as no surprise considering the favorable tax laws in the stateincluding no statewide income tax.

"Deciding where to retire is an important part of your life plan," Emily Brandon, senior editor for Retirement at U.S. News, said in a statement. "When considering potential retirement spots, you should look for an affordable cost of living, proximity to health care services and a strong economy, especially if you plan to work part-time.

Last years top retirement spot, Lancaster, Pennsylvania, lost the crown this year falling to the third place spot.

The rankings are based on an analysis of the 125 largest metropolitan areas in the United States, based on a weighted average of scores on six items, including housing affordability, happiness, desirability, retiree taxes, job market and health care quality.

Heres a look at the results:

Ft. Myers jumped from its second-place ranking last year to the top spot for 2020.

The city has a population of about 700,160 people and an average high temperature of more than 84 degrees.

The median home price is $219,200, while the unemployment rate is below the national average, at 3.4 percent.

More than 25 percent of the population is over the age of 65.

Another Florida metro, Sarasota, ranked second.

Slightly larger than Ft. Myers, Sarasota has population of about 768,380 people.

The average salary in the city is $42,680 and the median home price is $237,260.

The report notes that a migration of wealthy residents has pushed housing prices higher 30.6 percent of the population is over the age of 65.

Separately, Sarasota ranked 18th on the best places to live, overall.

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Lancaster fell from its top-ranking last year primarily due to decreases in both its happiness and housing affordability scores.

The median home price in Lancaster is $196,025.

There is also a large proportion of younger residents in the town. More than 26 percent of residents are under the age of 20.

Asheville, North Carolina, another metro in the South, ranked fourth on the list.

The median home price is $248,500.

The average annual salary is $41,210 lower than the national average of $50,620. The local unemployment rate is low, at 3.2 percent.

The city has 22 public schools and 43 private schools.

Floridas Port St. Lucie followed Asheville, taking this years fifth spot. It is located roughly halfway between Miami and Orlando, with a population of 454,482.

The median home price is $211,083, andthe average annual salary is $42,500.

Local housing prices are likely to rise in the near future, however, as the city prepares for a building boom.

For sports fans, the New York Mets also have their spring training facility in Port St. Lucie.

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Rounding out the top 10 are: 6. Jacksonville, Florida; 7. Winston-Salem, North Carolina; 8. Nashville, Tennessee; 9. Grand Rapids, Michigan;and 10. Dallas-Fort Worth, Texas.

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Best places to retire in 2020 - Fox Business

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October 12th, 2019 at 10:42 am

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The top 10 best places to retire – CNBC

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Fort Myers, Florida.

Philippe TURPIN | Photononstop | Getty Images

There's no place like home. Unless, of course, you are retired.

Lured by better weather, lower taxes or an improved quality of life, many older Americans consider relocating to stateS like Florida or the Carolinas.

To that end, U.S. News & World Report determined the best places to retire based on criteria such as housing affordability, taxes, health care and overall happiness, using data from sources including the Tax Foundation, Census Bureau and Bureau of Labor Statistics.

This year, Fort Myers, Florida, came in at No. 1, fueled by increases in health-care quality and a strong jobs market, followed by Sarasota, Florida. Lancaster, Pennsylvania, was third, down from last year's top position, in part because of a decrease in housing affordability.

The Sunshine State claimed four of the top 10 spots, according to the 2020 rankings released Tuesday.

Here are the top 10:

1. Fort Myers, FloridaMedian home price: $219,200Unemployment rate: 3.4%Average annual rainfall: 53.2 inches

2. Sarasota, Florida Median home price: $237,260 Unemployment rate: 3.3% Average annual rainfall: 53 inches

3. Lancaster, PennsylvaniaMedian home price: $196,025Unemployment rate: 3.4%Average annual rainfall: 42 inches

4. Asheville, North CarolinaMedian home price: $248,500 Unemployment rate: 3.2% Average annual rainfall: 37 inches

5. Port St. Lucie, FloridaMedian home price: $211,083Unemployment rate: 4.1%Average annual rainfall: 54 inches

6. Jacksonville, FloridaMedian home price: $174,658Unemployment rate: 3.3%Average annual rainfall: 49.2 inches

7. Winston-Salem, North CarolinaMedian home price: $145,725Unemployment rate: 3.7%Average annual rainfall: 46.9 inches

8. Nashville, TennesseeMedian home price: $248,883Unemployment rate: 2.8%Average annual rainfall: 47.3 inches

9. Grand Rapids, Michigan Median home price: $181,533Unemployment rate: 3.1%Average annual rainfall: 38.3 inches

10. Dallas-Fort Worth, TexasMedian home price: $248,375Unemployment rate: 3.5%Average annual rainfall: 36.1 inches

"Deciding where to retire is an important part of your life plan," Emily Brandon, a senior editor for Retirement at U.S. News, said in a statement. "When considering potential retirement spots, you should look for an affordable cost of living, proximity to health care services and a strong economy, especially if you plan to work part-time."

U.S. News & World Report evaluated 125 of the country's largest metropolitan areas. Here is the complete list of the best places to retire.

Still, most American retirees ultimately decide to stay put, and those who do move usually don't go far, according to Rodney Harrell, vice president of AARP's livable communities and long-term services and supports program.

More from Personal Finance:Worried about health-care costs in retirement? Here are 4 ways to keep costs downNearly half of empty nesters still support adult childrenHow much money do you need to retire? Try $1.7 million

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The top 10 best places to retire - CNBC

Written by admin |

October 12th, 2019 at 10:42 am

Posted in Retirement


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