Grasmick Kicks Retirement To Curb – Video
Posted: March 16, 2012 at 9:19 pm
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Grasmick Kicks Retirement To Curb - Video
Should Your DNA Affect Your Retirement Planning?
Posted: at 9:19 pm
Despite all of the numbers and ratios surrounding it, retirement planning is not an exact science. You want to put enough away in your savings accounts to live comfortably throughout your golden years, yet knowing precisely how long those will last -- and accordingly, how much money you'll need -- is impossible.
But while you can't know exactly when you'll die, some of the latest developments in DNA research make it possible to tease out genetic traits that may offer clues about the length of your life. Could tests like these someday impact your retirement planning -- particularly if you learn your lifespan may stretch beyond the average?
Telomeres and aging
Research has indicated that your telomeres may offer some useful clues about your potential lifespan. Telomeres are pieces of DNA found at the end of chromosomes. As people age, their telomeres shorten. Shortened telomeres can also signal an increased risk for heart disease. According to a University of Copenhagen study, shortened telomeres are linked to an increased risk of heart attack and early death by 50 and 25%, respectively.
Life Length is a manufacturer planning to roll out a blood test to measure telomeres. The test, expected to be available in Europe and Asia this year, will cost $700. A member of the company's scientific advisory board told ABC News last year that the test would be able to predict within a decade an individual's biological age -- a potential clue in determining the person's lifespan.
But if a $700 test doesn't sound prudent to you, it's not the only thing you could use in estimating how long you''ll live. Since longevity -- or the lack of it -- runs in some families, looking to your parents and grandparents can offer some insight on what kind of lifespan you might expect.
Longer lives for everyone
Once you have some clues on how long you may live, what can that information mean for your retirement? Certainly, you don't want to quit saving for retirement -- even if you don't think you'll make it much past age 65. Medicine has come a long way in recent years. Consider the fact that the average life span was only 47.3 years for those born in 1900, and is now 77.9 for children born in 2007. Make no mistake: Your father's death at 59 is no reason to short-change your retirement.
So how much do you need? Perhaps more than you think. Recent data from the Bureau of Labor Statistics says that the average 50-year-old will spend $1.4 million on their way to age 81. Those who hit age 100 can expect spending during the second half of their lives to top $2 million.
In addition, centenarians aren't a rarity anymore. The Census Bureau estimates there will be more than 600,000 individuals aged 100 or older by 2050. At the same time, the Census Bureau estimates the average retirement age will actually drop. In 2050, it estimates the average age at retirement will be 63. So while the average retirement period is expected to be nearly 22 years, centenarians will need enough in reserve to cover at least 37 years.
Fleeing to cash won't protect retirement savings
Posted: at 9:19 pm
NEW YORK (CNNMoney) -- I'm a 65-year-old retiree who has a comfortable pension and retirement savings that, for now at least, I don't need for living expenses. About a year ago I moved my savings into cash because I was worried about the unstable stock market and the crisis in Europe. I hate to see this money earn nothing, but I don't want to lose it if the stock market dives. Should I leave my savings in cash? Invest it in short-term bonds? Should any of it go into stocks? -- Don S.
Given all the turmoil in the economy and the financial markets the past couple of years, it's not surprising that you want to be careful about keeping your retirement stash secure.
But fleeing to cash to protect your savings is an ill-advised move that can backfire. In fact, in your case it already has.
Since you pulled out of the market a year ago, stocks have gained almost 10%, while bonds have returned roughly 7%. Which means that even the most conservative mix of stocks and bonds would have given you a much better return than, say, a money-market fund, which likely earned less than 0.1% over the past year. So in the short-term at least, your gambit didn't pay off.
As for the long-term, moving to cash and staying put would make your savings safer in the sense that your money will be insulated from the market's gyrations. But there's a big drawback as well.
The returns on secure vehicles like savings accounts, money funds and the like barely keep pace with inflation over long stretches. After paying income taxes on gains, the real value of your savings could actually shrink as you age.
So if a dash into cash isn't the right way to go, what's a 65-year-old who doesn't want to see his nest egg scrambled to do?
Your first move should be to adjust your focus to the longer term. Right now, you're thinking only of how to protect your savings from what may happen in the market over the next few weeks or months.
Based on life expectancy for someone your age, you have a 50-50 chance of living another 20 years or so. And since life expectancy represents only the average life span, you have a good shot at living much longer. So even though you're retired, you should invest as if you'll be doing so for a long time. I generally tell retirees they should plan as if they'll live into their early 90s, longer if they come from a family with a history of longevity.
That means you want to invest your savings in a blend of stocks, bonds and cash that will not only give you some protection from short-term market drops, but enough long-term growth potential to maintain the purchasing power of your nest egg as well.
Retirement asset mix – stocks, bonds and cash
Posted: at 9:19 pm
I'm a 65-year-old retiree who has a comfortable pension and retirement savings that, for now at least, I don't need for living expenses. About a year ago I moved my savings into cash because I was worried about the unstable stock market and the crisis in Europe. I hate to see this money earn nothing, but I don't want to lose it if the stock market dives. Should I leave my savings in cash? Invest it in short-term bonds? Should any of it go into stocks? -- Don S.
Given all the turmoil in the economy and the financial markets the past couple of years, it's not surprising that you want to be careful about keeping your retirement stash secure.
But fleeing to cash to protect your savings is an ill-advised move that can backfire. In fact, in your case it already has.
Since you pulled out of the market a year ago, stocks have gained almost 10%, while bonds have returned roughly 7%. Which means that even the most conservative mix of stocks and bonds would have given you a much better return than, say, a money-market fund, which likely earned less than 0.1% over the past year. So in the short-term at least, your gambit didn't pay off.
As for the long-term, moving to cash and staying put would make your savings safer in the sense that your money will be insulated from the market's gyrations. But there's a big drawback as well.
Best Places to Retire
The returns on secure vehicles like savings accounts, money funds and the like barely keep pace with inflation over long stretches. After paying income taxes on gains, the real value of your savings could actually shrink as you age.
So if a dash into cash isn't the right way to go, what's a 65-year-old who doesn't want to see his nest egg scrambled to do?
Your first move should be to adjust your focus to the longer term. Right now, you're thinking only of how to protect your savings from what may happen in the market over the next few weeks or months.
Based on life expectancy for someone your age, you have a 50-50 chance of living another 20 years or so. And since life expectancy represents only the average life span, you have a good shot at living much longer. So even though you're retired, you should invest as if you'll be doing so for a long time. I generally tell retirees they should plan as if they'll live into their early 90s, longer if they come from a family with a history of longevity.
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Retirement asset mix - stocks, bonds and cash
Lubrizol's New Fixate Design Polymer for Ultimate Hair Mousse Formulation Flexibility
Posted: at 9:19 pm
Lubrizol`s FixateTM Design Polymer for Ultimate Hair Mousse Formulation Flexibility
CLEVELAND, March 16, 2012 - The Lubrizol Corporation`s personal and home care business introduces FixateTM Design polymer (INCI: Polyacrylate-32) for ultimate formulation flexibility for clean, lustrous, long-lasting volume and hold in hair styling applications. The versatility of Fixate Design polymer provides formulators with creative options and degrees of freedom while maintaining superior performance in mousses, curling creams and sprays and a wide variety of other hair styling applications.
Fixate Design polymer is an anionic, multi-functional film-forming polymer that delivers excellent superior performance in hair styling applications and offers excellent formulation flexibility. When used in styling applications, Fixate Design polymer delivers high humidity resistance, tailored hold, exceptional shine, little to no flaking, enhanced volume and distinctive sensory.
Key formulation benefits of Fixate Design polymer: Enables enhanced style creation, volume and curl definition Provides excellent resistance to high humidity Delivers a clean, light wet feel and desirable dry feel Provides effective frizz control for smoother, silkier-looking hair Removes easily with shampoo Has a low viscosity response to neutralization and dosing concentration Is an efficient, easy-to-use liquid
To learn more about Fixate Design polymer, visit http://www.lubrizol.com/personalcare
About The Lubrizol Corporation
The Lubrizol Corporation, a Berkshire Hathaway company, is an innovative specialty chemical company that produces and supplies technologies to customers in the global transportation, industrial and consumer markets. These technologies include lubricant additives for engine oils, other transportation-related fluids and industrial lubricants, as well as fuel additives for gasoline and diesel fuel. In addition, Lubrizol makes ingredients and additives for personal care products and pharmaceuticals; specialty materials, including plastics technology and performance coatings in the form of specialty resins and additives. Lubrizol`s industry-leading technologies in additives, ingredients and compounds enhance the quality, performance and value of customers` products, while reducing their environmental impact.
With headquarters in Wickliffe, Ohio, The Lubrizol Corporation owns and operates manufacturing facilities in 17 countries, as well as sales and technical offices around the world. Founded in 1928, Lubrizol has approximately 7,000 employees worldwide. Revenues for 2011 were $6.1billion. For more information, visit http://www.lubrizol.com.
Media Contact Amy Dolzine 216-447-6117 Web Site: http://www.lubrizol.com/personalcare
The owner of this announcement warrants that: (i) the releases contained herein are protected by copyright and other applicable laws; and (ii) they are solely responsible for the content, accuracy and originality of the information contained therein.
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Lubrizol's New Fixate Design Polymer for Ultimate Hair Mousse Formulation Flexibility
NFL Superstars Confront Drought With Visit to East Africa
Posted: at 9:18 pm
To: FOREIGN, NATIONAL AND SPORTS EDITORS
Anquan Boldin and Larry Fitzgerald to visit Oxfam America's humanitarian and development programs in Ethiopia
BOSTON, March 16, 2012 /PRNewswire-USNewswire/ -- Former teammates and NFL superstars Anquan Boldin and Larry Fitzgerald are again teaming up with international relief and development organization Oxfam to raise awareness of the food crisis in East Africa. The Baltimore Ravens and Arizona Cardinals wide receivers will travel to Ethiopia with Oxfam for a first-hand account of the drought and famine affecting more than 13 million people in the region.
(Logo: http://photos.prnewswire.com/prnh/20080221/DC14723LOGO)
Boldin and Fitzgerald will embark on a four-day trip across Ethiopia beginning March 27. The duo will meet with villagers affected by the crisis, local Oxfam partner organizations and internationally known Ethiopian athletes to bring attention to the region. They will also visit Oxfam programs in the field such as an irrigation project that brings water to much needed areas.
"Four months after Larry and I issued a public service announcement with Oxfam, we are excited to meet face-to-face with those affected by the food crisis in Ethiopia and witness some of the life-saving programs Oxfam is undertaking in the field," said Boldin.
This is the second time in four months the players, who are widely known for off-the-field contributions to communities in need, have joined Oxfam to fight hunger in East Africa. In November, the Oxfam ambassadors released a thirty second public service announcement to spotlight the growing need for relief funds.
"We are traveling with Oxfam to see first-hand how communities are affected and how we can help," said Fitzgerald. "By bringing further attention to the famine, we hope to energize our fans and the public to do what they can to assist."
The United Nations officially recognized the disaster affecting over 13 million people in Ethiopia, Kenya and Somalia in July 2011 with a declaration of famine. Oxfam, in collaboration with local partner organizations, aims to reach over 3 million people affected by the crisis across the region with aid and sustainable development programs.
"We are grateful for the personal engagement of Mr. Boldin and Mr. Fitzgerald," said Raymond C. Offenheiser, president of Oxfam America. "Continuing to raise public awareness of the famine in East Africa remains critical with emergency conditions expected to last well into 2012. It's a great opportunity to highlight what local communities are doing for themselves, and how Oxfam, and our supporters, can help."
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NFL Superstars Confront Drought With Visit to East Africa
Chiropractic Online Marketing Patient Education – Video
Posted: at 9:17 pm
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Chiropractic Online Marketing Patient Education - Video
English through Pictures – Learning Basic Verbs – suck, carve, forge etc. – Lesson 70 – Video
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English through Pictures - Learning Basic Verbs - suck, carve, forge etc. - Lesson 70 - Video
House Passes Online Driver’s Education Bill – Video
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House Passes Online Driver's Education Bill - Video
Heron Pose or Krounchasana, Yoga – Video
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