June-Marie Raw Food and Fitness Health Balloon pop with black converse sneakers on 001.MP4 – Video
Posted: July 8, 2012 at 2:12 am
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June-Marie Raw Food and Fitness Health Balloon pop with black converse sneakers on 001.MP4 - Video
Bipasha Basu Love Yourself – Pelvic Thrust – Health And Fitness Videos – Video
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How will your expenses change in retirement?
Posted: at 2:12 am
Estimating expenses over the duration of one's retirement is a fundamental part of retirement planning. Yet, there's surprisingly little agreement among financial planners about spending behaviors.
Some suggest that retirement spending rises as clients age due to accumulating health care expenses. Others suggest that expenditures decrease as retirees reduce their spending in areas such as travel and entertainment. Still others suggest that retirement spending stays relatively level and simply keeps pace with inflation.
The long-term impact of inflation is a fundamental risk for retirees. Yet most individuals never adjust their portfolio withdrawals each year for inflation. Instead, the checking account bears the brunt of inflation, which means funds need to be replenished. To determine how much inflation you are experiencing, you must look at changes in the checking/savings account balances over time, preferably over one year.
A recent article by Wade Pfau, director of the Macroeconomic Policy Program at the National Graduate Institute for Policy Studies, Tokyo, Japan, examined the question of How do spending needs evolve during retirement? It concludes that most people's spending patterns change over the course of retirement. Expenses look very different at age 90 than at age 65.
He cites a paper by Californian Lutheran University Professor Somnath Basu, Age Banding: A Model for Planning Retirement Needs, that discussed post-retirement spending patterns.
Basu considered a 30-year retirement divided into three 10-year intervals. Rather than assuming a constant rate of inflation for expenses in retirement, he divides spending into four general categories: taxes, basic needs, health care and leisure. Within these categories, he investigated the spending patterns by age and made allowances for differential inflation rates among these categories.
For example, he noted that retirees spend more on leisure (7 percent inflation rate) in the early part of retirement and more on health care later. Health care expenses, which had an inflation rate of 7 percent, were adjusted upward by 15 percent at age 65, 20 percent at 75 and 25 percent at 85. Taxes and basic living expenses were assigned an inflation rate of 3 percent, and 7 percent for health care and leisure.
This methodology provides a useful tool for planning long-term retirement budgets. Having a system to track your expenses is a must. Make it a habit each year to review where your money is going and what increased and decreased.
Your expenses will change during retirement.
Thomas M. Rush is a wealth adviser with Yuma Investment Group. He can be reached at 329-1700.
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How will your expenses change in retirement?
Retirement reality check
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Looking ahead ... Todd and Karen Eldridge. Photo: Jon Reid
An entire industry has grown around telling you how poor you'll be in retirement. As if you need reminding.
As a rough rule of thumb, $1 million at 65 (or about $1.25 million at 60) will give a comfortable lifestyle, which the Association of Superannuation Funds of Australia (ASFA) retirement standard says is $55,080 a year after tax.
But it depends on what you earned in the meantime because that will determine what you consider comfortable, whether you've paid off the mortgage, expect an inheritance, are going to downsize your home or move interstate, and how long you live.
On course Mark and Erica Kirby may need to salary sacrifice into super. Photo: Simon Alekna
Super is a great tax break but isn't the be-all and end-all of a decent retirement, either.
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Under the seniors and pensioners tax offset (forever destined to be called SAPTO), a retired couple over 65 could earn up to $57,948 a year without paying a single cent in tax.
That's more than twice the ordinary tax-free threshold.
Options ... Dennis Maddock. Photo: Alex Ellinghausen
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D'Angelo Jams, Shakes Off The Past At Essence Fest
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NEW ORLEANS -- At the Essence Music Festival presented by Coca-Cola on Friday night, I couldn't help but think there was something poignant about D'Angelo taking the stage for the latest in a season of comeback concerts in the same week that Frank Ocean had seized the news cycle for his game-changing personal revelation. Kindred musical spirits: one ahead of his time, the other firmly a product of his time.
More than 15 years before Ocean was hailed as a radical voice poised to remake the oft-beleaguered genre known as rhythm and blues, Michael Eugene Archer became a messianic figure, sent down to save our (neo) souls from the hackneyed bump-and-grind of R&B with his 1995 debut, Brown Sugar. So maybe it's just me, but the moment feels right for the now-38-year-old to be reemerging.
If fans were expecting the Richmond, Virginia-born singer to bask in the nostalgia of his classic first LP, though, they were disappointed. Taking the stage without any fanfare, he dove into his cover of Roberta Flack's "Feel Like Makin' Love," off his sophomore disc, Voodoo. And it was instantly clear that D'Angelo and his raucous band were less concerned with faithful renditions of the well-aged tracks than with turning the songs on their heads.
Still, at the Mercedes-Benz Superdome, where swag included tote bags emblazoned with the 59-year-old mug of the night's headliner Charlie Wilson, D's highly instrumental approach to his set didn't always gibe with the room. But for die-hards, who largely skewed younger, the singer was mesmerizing. (One row in front of us, Destiny's Child alums Michelle Williams and LaToya Luckett, along with rising star Luke James, were as enthralled as we were, dancing during much of the show.)
While D'Angelo rightfully dug into material that will probably appear on James River, his first album in a dozen years, he also dusted off his hits. There was the bewitching "Devil's Pie" and the blissfully profane "Sh--, Damn, Mother------," which he drew out to Church Revival lengths, even leaving the stage for a few moments before returning to cap off the coda.
The chiseled, cornrow-rocking D'Angelo of the late '90s is now a thing of a bygone era, tossed into the archives of the "neo-soul" movement that birthed him. For Friday's show, D tied a black bandanna around his unruly mass of locks for a look that seemed inspired by pirates and Hendrix. So we shouldn't have been surprised that for "Untitled" (How Does It Feel), the massive single now synonymous with his break with the music industry, there were no panties thrown and no abs shown.
Instead, the all-black clad D'Angelo sat at the keys and ran through a subdued verse as the ecstatic crowd sang along. He seemed eager to get it over with, the song perhaps too much of a reminder of a time when he buckled under the weight of sex symboldom, disappearing for nearly a decade into a haze of addiction and personal demons.
It was on the anthemic "Lady," though, that D came alive. With the concertgoers on their feet, he let himself smile, soaring on his falsetto on that infectious hook. In the mid-'90s, lyrics like this had put D'Angelo squarely ahead of his time: "Babe, I know they've seen us before/ Maybe at the liquor store / Or maybe at the health food stand / They don't know that I'm your man." Then only 21 years old, his songwriting was both conversational and reflective, a rare combo in R&B.
Now, as he shakes off the weight of his past, D'Angelo seems poised to grab his place again.
Coyle 11th at European Championships
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Updated: Saturday, 07 Jul 2012 15:32 Natalya Coyle produced a super all-round performance in Sofia on Friday
Natalya Coyle produced a fabulous all-round performance in Fridays womens final to finish in 11th place at the European Championships in Sofia, Bulgaria.
The 21-year-old Irish athlete, whose place at the Olympic Games was confirmed earlier this month, showed impressive form ahead of the London 2012 competition on 12 August.
Coyle safely negotiated the qualification competition on Wednesday and was in a positive mood for yesterdays final.
An assured display in the fencing hall saw her finish 8th on the leader board with 19 victories and 15 defeats for a total of 888 pentathlon points.
After a personal best swim performance in the qualification competitions, Coyle was seeded in the second fastest swim heat.
Holding her own she equalled her performance from Wednesday and posted a time of 2:19.38 for 1128 pentathlon points, but she dropped to 10th on the overall leaderboard.
In the searing Sofia heat, the riding course held up well and with many athletes going clear Coyle needed to produce a good round to keep her top-10 placing.
An excellent clear round and inside the allotted course time ensured that she bagged the maximum 1200 points. Misfortune for other athletes around her meant she moved up to eighth position.
Starting just 27 seconds behind the competition leader and with a top-10 finish on the cards, the pressure was on for the Irish athlete to produce in the final run/shoot event.
Colleges offer summer programs to improve students' academic success
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CLEVELAND, Ohio - Laughter rang out Friday as groups of Cleveland State University students struggled to disentangle themselves as part of a bonding experience during the Viking Academic Boot Camp.
The camp, which offers remedial math and English classes, is one of the summer programs that area colleges have created to smooth students' academic path.
The CSU exercise asked them to stand in a circle, grasping hands across the divide. Then, still holding hands, they had to figure out how to unknot the group.
Some dropped to their knees to allow others to step over them, some contorted their bodies and some just gave up. Later, they talked about strategies and what they would have done differently during the team-building exercise.
"We try to tell them they are all in this together and there are no put downs," said Christine Vodicka, director of the tutoring and academic success center. "This carries into fall as they form friendships."
Summer programs, usually for incoming freshmen at public and private colleges, go by many different names but all have the same goal to provide a head start on academics, acclimation to college life and new friends and mentors.
Generally known as "bridge programs," they are aimed at those who are the first in their families to go to college, need to improve their math and writing skills and can benefit from tutoring and peer mentoring.
And they are successful, according to students and college officials.
"It is holding me accountable to graduate," said Shelby Saylor, 19, of Coshocton, a University of Akron sophomore. "Without it I probably would have dropped out after the first semester."
Saylor sat next to one of her best friends, Eddie Volk, 19, of Brooklyn, Thursday afternoon outside a room in the university's Student Union. They met while attending Akron's first "Running Start" summer program last year and are paid peer mentors for this year's group.
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Local woman earns use of car for outstanding business performance
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ANNA Mary Kay Independent Sales Director Samantha Dawson of Anna is on the road to success. This month, Dawson earned the use of a new Chevy Equinox crossover as a result of her outstanding achievements in operating her independent Mary Kay business.
The Chevy Equinox is offered in black. In addition to the Chevy Equinox, the Mary Kay Career Car Program includes the Chevy Malibu sedan in white, the Toyota Camry in black and the exclusive pearlized pink Cadillac, a coveted symbol of personal success.
In keeping with Mary Kays preeminence as a leader in providing women with an unparalleled opportunity and desirable business incentives, Mary Kay Inc. continues to upgrade the options available to star performers in the independent sales force. Since the Career Car Programs inception in 1969, more than 120,000 independent sales force members have either qualified or re-qualified to earn the use of a Mary Kay career car. Currently, more than 5,600 Mary Kay career cars are on the road nationwide.
The Career Car Program provides the independent sales force the opportunity to earn the use of a visible symbol of their success, said Darrell Overcash, president of Mary Kay Inc. U.S. Each car obtained through this exciting program reflects the hard work, determination and professionalism of the independent sales force.
Dawson began her Mary Kay business as an Independent Beauty Consultant in 2004 and as a direct result of her accomplishments, became an independent sales director in 2011. As an independent sales director, she chooses to provide education, leadership and motivation to other Mary Kay independent beauty consultants and offers her customers high-quality Mary Kay products.
Samantha will take delivery of the new Chevy Equinox, her second Mary Kay career car, at Coad Chevrolet Dealership in Anna. Independent sales directors earn the use of Mary Kay career cars through outstanding business achievements.
Mary Kay is one of the worlds largest direct selling companies with more than $2.5 billion in annual wholesale sales worldwide. Mary Kay was founded in 1963 by Mary Kay Ash with the goal of helping women achieve personal growth and financial success. Mary Kay remains committed to enriching womens lives, and today more than 2 million people of all backgrounds are enjoying the advantages of being Mary Kay Independent Beauty Consultants. Mary Kays high-quality skin care and color cosmetic products are sold in more than 35 countries around the world. To learn more about Mary Kay, visit http://www.marykay.com.
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Local woman earns use of car for outstanding business performance
Stump attends Washington Leadership Conference
Posted: at 2:10 am
Braden Stump recently attended the National FFA Organization's 2012 Washington Leadership Conference on June 26-30, representing the New Raymer FFA Chapter of Stoneham.
The annual conference focuses on leadership development, personal growth and community service. More than 2,200 students -- up to 340 a week -- from throughout the U.S. who are FFA members will attend one of the conference's seven week-long sessions in June and July.
"Students come to the Washington Leadership Conference wanting to make a difference. They leave knowing they can -- and will," said Dwight Armstrong, CEO of the National FFA Organization. "I believe students are generally aware of global problems like hunger and poverty but many are sheltered and disconnected from what's happening in the world. During their time in Washington, FFA members experience real-world problems and take critical steps toward personal growth and developing leadership skills they'll need to make a difference in people's lives, starting in their own communities."
Created in 1969 and held annually in Washington, D.C., the conference helps students develop leadership skills, identify personal strengths, develop awareness of societal differences and human needs and strategize how they can help others through community service. Throughout the week, each student develops a community-service initiative for their local community, with the intention of students returning home and implementing their plans.
The 2012 National FFA Organization's Washington Leadership Conference is sponsored through the National FFA Foundation by Timberland PRO, Monsanto, CSX, TransCanada, Crop Production Services, Farm Credit and CHS.
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Stump attends Washington Leadership Conference