Five Steps To A Richer Retirement

Five Steps To A Richer Retirement

You’ve probably heard about the Nebraska meatpackers who won the largest lottery jackpot in the United States last week. One winner replied “I’ve been retired for about four days now” when asked what he would do with his winnings. His response did not surprise me; I’m sure my reaction would be similar!

What does surprise me is that many Americans believe that they cannot retire comfortably unless they win the lottery. A survey by the Consumer Federation of America shows that 27% of Americans believe that their best chance to gain $500,000 in their lifetime is to win a sweepstakes or lottery.

Fortunately, building a comfortable retirement nest egg is easier than you think. Here are five steps to help you build a comfortable retirement:

1. Start early! If you started saving $100 a month beginning at age 18, you would have over $500,000 by age 65. The power of compounding is great, and the earlier you start saving, the greater the benefit.

2. Have a plan. The best way to ensure that you will have a comfortable retirement is to plan how much you will need to retire. You can’t reach your destination if you don’t know where you’re going.

3. Participate in company sponsored retirement plans. Many companies offer matching contributions to your 401K or other retirement plan contributions. This is free money – take it!

4. Invest in a diversified portfolio of stocks and bonds, that fits your goals and risk tolerance. Studies show that your investment return is determined primarily by the allocation of your assets, not the individual investment selections you make.

5. Keep your costs down. Invest in no-load, low cost mutual funds (or other investments). Lowering the expenses in your portfolio by just 1% can equate to 20% more money in your portfolio after 20 years.

Although winning a large lottery certainly can’t hurt, following the steps above should send you well on your way to a comfortable retirement.

Career Development

Career Development

Part of a successful career change and/or picking a career is career development. Many colleges have career development departments that can help guide you toward a satisfying career that you can succeed in and be happy doing. Career development is an important part of the career planning process, and great care should be taken to effectively developing a plan for where you want to go in the future.

First, you need to decide what type of career interests you. You can take a variety of career interest tests at various websites online. These tests will help you find a career that matches your personality, your interests, and your abilities. You may be surprised at some of the results that come from these career tests, and you might find that you are best suited for a career you never thought of before.

Once you’ve decided on a career path, you can start your career development plan. That means setting goals for getting the right training for the career you’ve chosen and then finding a job in that field. You will want to set both long-term and short-term goals for your career. For example, a short-term goal would be to find a job. A long-term goal would be to advance into a management position or something similar to that.

Career development is an ongoing process as it also includes educating yourself on job requirements, getting additional training, and always working at making yourself the best you can be in your chosen career path. The business world is constantly changing and you will want to keep up with those changes and constantly improve what you are doing. Gaining new skills will only work in your favor, so remember that when you are thinking about your career development goals.

You will need to develop goals and strategies to make your career dreams come true and employers are interested in hiring people who can demonstrate their skills and abilities. They are also interested in people who are constantly looking to improve not only themselves, but their job skills as well. That’s why you will want to keep career development first and foremost in your mind at all times.

Choosing a career or making a career change is an important decision and one that you should not take lightly. You have to have plans and goals. That’s why career development is such a huge part of succeeding in a job. Having an effective career development plan will almost insure that you will be able to not only work in your dream job, but that you will also be able to succeed in your dream job.

Jazz Music

Jazz Music

Jazz music has evolved to the point where basic signature of the style has minimized into an influential element. For example, the Jazz music of the 80’s electronica music of IDM which stand for Intelligent Dance Music where such artists like Bjourk is known for. The drum and bass is another form of electronica that does not use the typical improvisation that is one of the key elements of Jazz music. In fact, this is not thought of as Jazz music at all, but a style that was influenced by Jazz music.

Musicians of the electronica age were St. Germain, Jazzanova, Portishead, Apex Twin and more who used live Jazz music to beats. The Cinematic Orchestra and Julien Lourau from Europe’s France were very successful with this style of music. However, those musicians who master keeping the traditional Jazz music combined with new elements are the most loyal to the style from which it came. In the millennium, Jazz elements became a part of the American Pop scene with the artist Norah Jones, and Christina Aguilera, Amy Winehouse.

There are skeptics who do not believe the music should be called Jazz. However, Christina Aguilera’s Back To Basics album used Jazz brass instruments with urban beats. Jazz music according to the National Public Radio filed a report stating that the music is becoming more popular with the public regarding the interest of the buyers of jazz music.

Rhythm and Blues music is a product of Jazz music that describes funk and soul. The musicians who successfully made their mark with this sound of jazz, boogie-woogie gospel, bebop and blues reinvented R&B into contemporary styles. Artist such as Robert Palmers, Jerry Lee Lewis, Fats Domino, Prince, Michael Jackson, Whitney Houston, Janet Jackson, Keith Sweat, Mariah Carey, En Vogue, Guy, Jodeci, Mary J. Blige, Levert, Teddy Riley, Justin Timberlake, Aaliyah, Missy Elliot, Lauren Hill, Brian McKnight, Jimmy Jam and Terry Lewis are a few of the many people who’ve made this music popular. Later on Pop artist like Pink, Britney Spears and Gwen Stephani used R&B musical elements in their songs. The wheel of the evolvement of Jazz music keeps turning into new styles, yet turns back at different times toward the root where it began.

Those who were in favor of the traditional Jazz music feared that the essence of Jazz music would be lost among all the new innovations. Free thinking in the world of Jazz caused a division between the modernist and traditionalist. The world of Jazz music has changed to the point where Jazz once the leader turned into an element included in today’s works of art. Nevertheless, nothing in the traditional Jazz music has changed, but the radios have extended their repertoire to include all the styles of music with jazz elements.

The array of Jazz music is present in the Jazz fests who played music with African elements that did not sound like Jazz music. One thing we all should look out for is the musical elements in Jazz that stand out such as the complex rhythm, and the chromatic chordal harmony or chord progressions typical for the Jazz Music.

Career planning guidance where to find help

Career planning guidance where to find help

Career planning is one task that we have to think about at some point in our lives. It may not be the first thing that we want to work on but we have to take the necessary steps to create the perfect career planning process in order to fulfill our needs and meet our expectations. There are many ways to endure career planning and we have to take it seriously so that we are able to do what makes us happy and a great financial success.

Planning your career is going to be based on a few things. We need to realize what our interests are, personality, values, skills, personal work style and work environment as well. We have to use these traits and make them work in our best interest so that we can become the person that we know we want to be. There are studies showing how people who are working in a career and also support their interests are much happier and well balanced people. Career planning is great for anyone who is going to be changing careers, deciding on a major for school or beginning a new career path.

Having the right resources to help you determine your career planning is important. You need to assess your values and other traits so that you can find the type of work and personal interest that makes you happy. Each type of test that you take for your career planning is going to be used to get information and provide you with a meaningful method of feedback so that you can find the right career that you will enjoy and be very successful at.

The best way to find guidance in career planning is to process and utilize the different types of career resource planning that is out there. You can get many great decision making tools with these resources and you should use them to the full ability that you can. You are going to be more passionate about your career move if you use the methods that are available to you. It can be a very interesting way to find more about your self than what you would ever think.

The one thing that you may want to try when you are looking for career planning guidance is to talk to people that is doing the same work that you are looking into. You can get a lot of good advice from them and find out just what to expect. Getting facts and tips on the right method to take and the types of planning you need to do for this career change can be a great help for you.

Do not be afraid to use what you can to make your dreams happen for you. Taking time out of your life to sit down and really think about using your skills and mental abilities to create a better and more exciting career is something that you need to get excited about. You will realize many possibilities and gain more positive thinking when you use motivation to get guidance for your future.

Many people are turning to the Internet to help them figure out the right career path. Finding what is going to be the better choice in their career planning is something that more and more people are taking seriously because they want to be a great success. Finding true happiness and learning about how to make it work for you both emotionally and financially is something to take seriously for any type of career.

The Pinnacle of Sport Fishing

The Pinnacle of Sport Fishing

When you think about the islands in the Bahamas, you most certainly picture white sand beaches, sparkling azure waters and friendly smiling faces. Without a doubt, Bahamas is home to beautiful scenery and warm islanders, but this Caribbean getaway is also the chosen destination of avid bonefishers from all over the world. For your next trip to the sun, consider visiting the island of Great Exuma Bahamas and partake in the exciting sport of bonefishing.
Whether you are a seasoned pro or an amateur fisher, bonefishing is a popular sport that appeals to all individuals. Bonefishing is one of the most esteemed forms of sport fishing in the world. Bonefish are actually found throughout the Caribbean but are particularly abundant in the waters around certain islands. Bonefish spend their time swimming along very shallow banks digging for food. These fast moving silvery fish average between 4 and 6 pounds, but can reach up to 19 pounds. The sport of bonefishing is not a passive activity. In fact, you will not spend time sitting on a boat casting your reel. To bonefish, groups of three or four people jump off the boat at the same time and follow the schools of fish. Bonefishing is an ideal activity for a group of friends or a family on a Caribbean vacation together and the island of Great Exuma is just the place to experience the fun of this popular sport.
The island of Great Exuma has earned its world-wide reputation for fantastic bonefishing due to its endless firm, white flats of sand that are teeming with small to medium-sized bone fish. These flats are ideal for barefoot wading and in their shallow waters you will find many opportunities to tail and hook a variety of bonefish. As you stand in the crystal clear waters looking for the fast and slippery one, don’t forget to notice the other exciting and beautiful marine life.
Whether you are hoping to plan the fishing trip of a lifetime, or you just want a chance to try an exciting sport, bonefishing in Great Exuma, Bahamas is an appealing activity for all! There are several experienced guides on the island who will gladly escort you for a day, or a week, from sun up to sun down. As you cast your line into the turquoise sea, you will undoubtedly feel the excitement of standing among a mysterious underwater world. There is nothing quite like hooking your first bonefish and you may find yourself adopting this sport as a favorite past time. Experience the pinnacle of sport fishing today in Great Exuma, Bahamas. Fun describes it well!

BK8 Thai Casino Review

BK8 casino is an online gaming platform with a wide range of games to offer its customers. In addition, BK8 provides the highest security standards and a highly responsive customer support team. Whether you are a beginner or an experienced player, BK8 has something for you.

Founded in Malaysia, BK8 has over a million customers and offers games like slots, live casino, and sports betting. BK8THAI offers free credits. The site has an AlexaRank, which gives an idea of its popularity. Additionally, it has Moz metrics, which predict rankings for specific pages.

Where to Play the Slots Online

When deciding where to play casino games online, it’s important to choose a licensed online casino. The license ensures that the online casino is legitimate and safe. It also mandates security protocols. Online casinos licensed by a state have been vetted by the state’s gambling regulatory agency, which ensures that players are protected. These casinos have stringent security measures and are regularly tested for games and security. 365 kub ensures that online casinos pay out winnings on time.

The casino must also have a variety of games to offer players. Many of the top online casinos have a huge selection of games, with different themes, jackpots, and minimum/maximum bets. You can also look for special promotions, such as during the holidays. But make sure to check the terms and conditions of any bonuses and promotions that are offered.

If you’re looking for a casino online that offers great security and fair gaming, BetOnline is a great place to start. The casino offers a variety of games including live dealer games, blackjack, roulette, video poker, and specialty games. There’s also an app for iPhone and Android. You can also bet on major sporting events through their website.

People often wonder when is the best time to play casino games. Although there’s no one right time, there are certain days of the week when the casino is at its busiest. For example, casinos are busiest on Saturdays and Sundays. During these days, the slots pay out more often and the casinos match their overheads. Another popular choice for gambling is the graveyard shift, from 1 am to 5 am. While this period may be more fun for some, it may be less profitable for others.

Choosing a Sport Fishing Boats without Breaking the Bank

Choosing a Sport Fishing Boats without Breaking the Bank

As a sports fishing enthusiast, you know that you need a sport fishing boat in order for you to go fishing wherever you want and whenever you want. There is really nothing compared to having your own sport fishing boat. It will give you convenience and you will be the captain, proudly standing at the helm.

However, before you go out and buy your very first sport fishing boat, you have to remember that getting the most expensive one is not the way to go. Besides, you wouldn’t want to mortgage your house just to buy the boat. Not to mention telling your spouse about it and getting him or her searching the yellow pages and calling a divorce lawyer, would you?

So, here are some of the things that you need to know when buying a good sports fishing boat without breaking the bank or spending tens of thousands of dollars.

First of all, how will you be able to get a good sports fishing boat without spending a lot of money?

For your first boat, you will see that there are quite a lot of high quality inflatable boats that average anglers and water enthusiasts will surely love. Some will include pontoon boats, sail boats, runabouts and kayaks.

The size of these inflatable boats can range from 1 person to a size big enough to even carry 7 people comfortably.

Thanks to technology, most inflatable boats today are now made with high quality materials that are very durable even on the harshness of saltwater and sunlight. So, you don’t have to worry about your boat deflating in the middle of the ocean. In fact, inflatable boats today are so durable that it can even withstand nails and dog bites. However, you should remember that the inflatable you should get for sport fishing shouldn’t be the ones you purchase for putting on swimming pools that your kids play with.

Another way to get a quality sport fishing boat is by buying used sport fishing boats. However, you need to remember that you should thoroughly research the used sport fishing boat you plan on buying in order for you to make sure that it won’t give up on you while you are in the middle of the ocean catching fish.

If you don’t know how to look at the boat, you might want to bring a friend along who knows how to look for problems in a boat. They will be able to tell you what needs to be replaced and also tell you if the boat is worth the asking price.

The great thing about used sport fishing boats is that it will cost a lot less than the original price. However, just make sure that the boat you plan on purchasing is worth your money. It shouldn’t give you any problems in the near future and it should also provide you with the things you need when you go out fishing.

Whether it is sail, pontoons, or boats equipped with outboard motors, you have to remember that buying your first sport fishing boat shouldn’t be expensive. In time, you can just replace the boat with a bigger and better one and if you have enough extra money for it.

Just remember that you should only buy a sport fishing boat that is equipped with the things you need and not the things you want.

Spadegaming Slot Online

Spadegaming is a leading game developer in Asia, and the company is known for its boundless creativity, unparalleled technology, and spirit of innovation. spade gaming , Asian-themed games, and games with breathtaking graphics and sound effects. If you’re interested in playing games made for mobile devices, Spadegaming has just what you’re looking for.

Spadegaming’s products have been vetted by a third-party testing lab to ensure that they meet stringent security standards. The company uses the latest encryption methods, and it is regulated by Malta Gaming Authority. It also has a license from Curacao’s e-Gaming authority.

Spadegaming slots are designed with fun in mind. Many of them are based on Asian culture, but they also include games with themes as diverse as ancient Greece, pirates, and the festive season. Most of their games feature rich bonus features and stunning visuals. Whether you’re playing for free or real money, these games are sure to satisfy any gaming craving.

As part of its expansion plan, Spadegaming has also started expanding into the European online gambling market. With their products already well-known to players in Asia, they’re looking to expand their reach in Europe. The company also has offices in Malaysia, Vietnam, and Cambodia, and is planning to open an office in Malta this year.

Using Career Enhancement Tools To Become More Successful In Business

Using Career Enhancement Tools To Become More Successful In Business

Every career can use a boost from time to time. Salaries can increase and job outlooks look better when career enhancement tools are used to benefit the person who needs several things working in their favor in the workplace. Career enhancement tools vary but one thing is clear and that’s the success you can realize by using career enhancement tools.

There are many career enhancement tools you can use to help you become more successful in your job or self guided business. Home business owners often use these tools too. Take a look at the list below and see which tools for career enhancement will help you most.

• The Occupational Outlook Handbook which is placed online by the US Bureau of Labor offers career guidance in many different areas. You can find out salary reports as well as educational requirements for certain careers and the general outlook for certain careers.

• Aptitude tests are wonderful job enhancement tools for employers and help employers determine who is suited for certain positions within a company.

• How-to books are great tools career minded individuals will use from time to time. These books include everything from financial guides to skill training in many different areas.

• Books on particular careers which offer real life biographies and case studies are also great in enhancing careers. Individuals use these studies and life stories to relate their experiences on the job with others who have been there and done that!

• Video media is a great way to train and enhance careers of multiple individuals and proves very successful for the training in larger call centers and facilities which train numerous employees.

• Books such as Jeffery Gitomer’s Little Red Book of Selling and Dale Carnegie’s Lifetime Plan for Success which includes How to Win Friends and Influence People are both great career enhancement tools for people who want to get ahead in their workplace.

• Going to see live speakers such as the speakers seen at sales conferences can greatly enhance career opportunities. Speakers trained to help you generate sales or build self esteem are highly productive in helping career minded individuals get ahead in their respective careers.

• Listening to self-empowerment tapes and CDs can greatly boost your job productivity.

• Attending on-the-job training classes as well as technical classes to help you cross train in many different aspects of your work place is great too.

• Being well informed is one of the greatest things you can do for yourself and being a cross-trained employee is one of the best ways to enhance your career through salary increases and better career opportunities.

• Talk to others in your field. Put yourself in the company of others who are not only successful but know they are successful. In doing so, you’ll learn how they are able to be a success and you’ll have the opportunity to rub shoulders with people in your industry who can offer you some sound advice when you need it which can certainly enhance your career!

How to become more successful in business is determined by what you are able to do to self empower yourself in your career choices and career training. You have to know not only how to empower yourself but you also need to know where to find the career enhancement tools to give you the competitive edge.

Locating classes, training and other tools is very simple using the keyword search feature on AOL as well as Google searches. You’ll find the difficult part of finding tools to enhance your career is not in finding the career enhancement tools but in being dedicated enough to do something with them once you locate the tools to give you a career boost!