No matter what your age, you should be getting ready for retirement. It's one of the things that can easily fall to the bottom of your priority list, but being prepared - especially financially - can make a huge difference in how well you live during your retirement years.
The earliest thing you should do to prepare for your retirement is to max out your retirement savings plan. Some employers will even match your contribution,Cheap Designer Clothing, so it is extremely unwise not to take advantage of this benefit if you have it. Be sure to sit down with an expert, (usually the one that manages the retirement plans through your workplace) to discuss the level of risk that is associated with each type of plan that is offered. It's OK to have higher risk if you are young,Online Shoes Sale, but as you approach middle age or older, you'll want to shift the level of risk to a lower level. Have you reviewed your plans lately? Do you need to change plans to adjust the risk level? Perhaps the saddest thing to see is people who are about to retire, but have lost considerable value in their plans because the stock market fell and they were heavily invested in it. The mistake they made was to "set it and forget it". They never reviewed the plan that they set up when they were much younger and risk was acceptable. Don't let this be your mistake!
Another tip for getting ready for retirement is to create a "Plan B". Plan B is a back-up plan that will help you have an income should your main retirement savings suffer from stock market crashes, or a massive devaluing of the dollar. Can you think of a way to create a second source of income? This could be from consulting work, writing or online marketing. If you can develop multiple streams of income, then you will be in good position to weather the storms of an unpredictable economy or retirement fund.
Downsizing is the third thing that will help you prepare for retirement. A smaller house, fewer possession and less commitments will help you enjoy your retirement years considerably. Why? Less is more. With a smaller home, you will have lower costs for heat, air and water so you'll save money. You will also spend less time cleaning and maintaining your home, so you have more time to pursue hobbies, extra income or travel. If freedom in retirement is your goal, the less is definitely more.
Developing a budget is the fourth thing that you can do to prepare for retirement, but it's a great idea for everyone at any time. Simply keep track of all your expenses for one month. Write down everything - every penny that you spend. Take a long, hard look at where your money is going. How much is being spent mindlessly? How much is being wasted? Where can you cut back?
Learning to live frugally is the final thing that you can do to get ready for retirement and like budgeting, it is a good idea for everyone. What is frugal living? It doesn't mean cheap. You may be wondering - "What's the difference?" Well, cheap is when you stop giving gifts altogether just to save money, but a frugal choice is to give thoughtful, low cost gifts that still have great meaning to your recipients.
Living frugally just means finding ways to do more with less, economizing and cutting back. It means seeking out the lower cost alternative, which can often be much better for your health. Reducing the amount that you eat out by cooking at home will save you money and calories. Preparing your own home-cooked, quality meals rather than using pre-packaged meals will expose you to fewer preservatives and all the other nasty chemicals that are hidden in "convenience" foods while saving you money. Repairing items rather than tossing them out and buying new ones is another example of learning to live frugally.
By following these five tips, you can arrive at your retirement date primed and ready to enjoy the golden years ahead!
The Completion of Suits: More Than Just a Coat and TrousersUnless your name is Fabio or you are in the adult entertainment industry, your suits are not complete until you've purchased the jacket and trousers. If you want to retain any kind of respectable reputation, you are going to have to add some dress shirts and ties to your wardrobe. In addition to that, you'll need a nice variety of tastefully chosen ties, a couple of leather belts, one or two pair of leather dress shoes, and finally, dress socks.
Shirts, Ties, and Suits
You should have two basic colors of shirts in your closet to go with your suits: white and blue. Yes, there are other options available and some do create some rather stunning looks, but for your professional wardrobe it's best to stick with these basics-at least at first. You can also choose some shirts of the same colors with subtle stripes, provided that you promise to never wear a striped shirt with a striped suit.
Heaven forbid you do this and add even more stripes with the tie. What are you, a professional convict? Be sensible and vary your outfit with a balanced blend of solids and patterns. Your ties should complement or match your suit. Avoid loud patterns and colors. A paisley tie is sharp, but be careful how you wear it. If you are going to do patterns around your neck, then stick with solids everywhere else.
Suits, Socks, Shoes, and Accessories
Your suits are nearly complete, but you still need a few additional items before you can call it a day. Starting from the top and working down, the first thing you need is a belt. You basically have two choices here: black leather and brown leather. That's it. No studs, no big bulky buckles, and most importantly, no other colors! Keep them thin and professional.
Moving on down to the feet, you'll need two items: socks and shoes. (Duh!) Not only do you need dress socks, but you need matching dress socks. If your suit is black, then your socks should be black. Navy for navy, grey for grey-you get the idea. Under absolutely no circumstances are you to wear your white cotton gym socks so get that idea out of your head right now.
As far as your shoes go, your choices here are the same as they are with the belt: black or brown leather.
Furthermore, they should match the belt you are wearing. That means no brown belts with black shoes. If you are looking for something that will go with anything, stay with black. Brown goes well with tan or brown suits, so that's something you can keep in mind when you expand your wardrobe a bit.
Your suit is now complete and appropriate for office wear. If you like, you can add a pocket square to your jacket and a small watch to your wrist,Replica Fashion Store, but your options for accessories end there. Any other jewelry should be limited to your wedding band. Now all that's left is a trip to your barber and you'll be ready to impress anyone who's path you happen to cross.
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