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Keeping Our Golden Years ‘golden’
Let’s face it: These days, economic uncertainty is higher than ever and our once-safe retirement years may not be so safe, after all. Social Security is going broke, Medicare is projected to go broke by 2017. Add it all up and making money into our golden years might actually be something that is a mandatory requirement and not something to think about as a way of supplementing our retirement on an occasional basis.
Ponder on the reality of your economic situation whenever possible. Maybe you’re sitting there massaging your legs (that leg arthritis you’ve begun to develop from all those wild things you did in your misspent youth is beginning to grow more evident, right?) and you have an opportunity to read on how we’re not saving anywhere close the amount of money we’re going to need to fund a nice retirement when we’re too old to work hard. That’s bad news.
That’s why planning for a good retirement income NOW — rather than trying to cobble one together the year before one retires — is one of the single smartest things that can be done to ensure one won’t be relying ‘on the kindness of strangers, ‘ to quote the immortal Blanche DuBois of Tennessee Williams ‘Streetcar Named Desire’ fame. Making little changes to savings and investing activities in the present can pay off big time in the future.
There are a couple of key concepts to keep in mind in the midst of all this: Saving and investing. How many out there are doing even the minimum amount of it? And if we’re not doing much of it, when are we going to start? The world’s full of quality advice on how to do so (the Internet and cable TV’s full of business websites and shows), even in the face of current market turmoil. For a fact, quality saving and quality investing is the way to go.
As an example, take a look at a typical small business owner. He may have founded something like a fine costume jewelry wholesale distributor company, for instance. He has several employees but he’s still looking out for his own finances however he can. Does he have an IRA or two or has he set himself up with a thrift savings plan or a health savings account (good pre-tax advantages to that)? If not, all he’s got to rely on is Social Security, which isn’t good.
Well, the answer is not much if he hasn’t looked after his own basic retirement life first of all. At this point, to count on Social Security and Medicare to take care of our basic needs may doom us to a life of greatly diminished expectations and just at the time when we want to be able to enjoy the fruits of our life’s labor, so to speak. Not having additional retirement funds in our golden years is a completely avoidable situation, to be honest.
So, then: What to do? Well, above everything else it’s necessary to develop a plan NOW rather than try to come up with one during the last five years of our working lives (though if that’s all the time we have, it’s better than nothing). Don’t sit back and assume that Social Security is going to be much more than a very small chunk of the money you’ll need to survive, in other words. Look to your financial health as you would your personal health.
lovely by nature resin jewelry
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12mm White Gold Plated Pendants Pinch Bails Jewelry Wholesales (Price/500pcs) $45.76 Measurements: Approx. 12mm x 6mm. White Gold plated pendants pinch bails. Wholesale price for 500pcs. Pinch Bails are a clever little finding that makes it easy to create a necklace or dangle. Open bail then simply squeeze or pinch the outer portion of the finding until the pointed ends begin to enter the holes of the bead and slowly close until both points are inside the bead hole. Also great for… |
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6.5mm Bails Silver Plated Jewelry Necklace Chain Connector Wholesales (Price/200pcs) $22.12 Measurements: Approx. 6.5mm. Silver plated bails. Wholesale price for 200pcs. 200pcs wholesale silver plated chain connector bails. These are used to attach pendants to necklaces or bracelets. Each measures approximately 6.5 x 2 mm. Search more beautiful beads with “BEAH” keywords. Need beautiful earring findings, please search with “AYDY” or “AYDH-EG07301″ to “AYDH-EG073024″ keywords. For hair ac… |
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Football Jersey (Back Only with Hidden Bail) 5/8 Pendant – 10KT Gold Jewelry $98.53 Enjoy this official NCAA licensed Butler Bulldogs charm. A great gift for any Butler Bulldogs fan!Express your team pride with jewelry items from LogoArt®.Charm10KT gold finish… |
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Beading with Cabochons: Simple Techniques for Beautiful Jewelry (Lark Jewelry Books) $13.49 With this gloriously photographed and illustrated manual at hand, beaders can create awe-inspiring jewelry. It’s the only current, comprehensive guide to working with cabochons–a flat piece of rock or mineral–and it covers all the basics, along with a range of new creative techniques and hot trends. Find out which tools and materials to use, which beads work best, and how to wrap them round the … |
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Wire Wrapping: The Basics And Beyond $24.70 This wonderful new book from Jewelry Artist and Author Jim McIntosh takes you from the basics of wire art to some very advanced concepts of design. The book has over 390 images that illustrate all of the steps in producing fine wire jewelry. The book is broken down into 3 sections that span 289 pages…. |
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Beadalon 327B-312 Bails 6mmx11m.5mm 6/Pkg BEADALON-Bail. This package contains six 11.5x6mm silver bails. Imported…. |
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Cousin 54902086 Bits & Pieces Bail 6/Pkg COUSIN-Bits & Pieces. Bits & Pieces Findings selection will provide the perfect framework for your designs. Create earrings; necklaces; bracelets; eyeglass holders; hair barrettes and brooches using these beautifully finished gold and silver findings. This package contains six Silver Bails. Imported…. |
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Cousin MG6007 Midnight Garden Bails & Toggles 28/Pkg COUSIN-Midnight Garden. Midnight Garden explores the wonderland of childhood with a more sophisticated twist. Rich colors of beads and ribbons are subdued as though cast in shadow and mixed metals offer a similar soft glow of shine. Playful and charming jewelry made from this collection offers style with a secret story to charm. This package contains ninety assorted safety pins with a painted blac… |