I decided to catch up with the things I knew and I lost
yet still, no words or phrases came up
so i decided to hide my things
then find a place to duct
a look in an innocent eyes
a smile that lingers
that face which hide the tears
find a place to cry
shout every anger in your heart
in a place no one knows
hide the smile in a crowd
and find a friend to rely
When it comes to financial retirement savings and investing, believe it or not, there are many mistakes that can be made along the way. Unfortunately, many of these errors revolve around the 401(k), which can be a huge boost to your retirement plans when used properly to build your portfolio. The problem is that when it comes to retirement plans and investing, we frequently hear only mistakes. I propose that we start with the mistakes so that we can progress to better information and advice in the near future.
The first, and perhaps most serious, mistake that people make when it comes to 401 (k) plans is failing to sign up. You read that correctly. What most people don't realize is that this is something your employer provides so that you can have some financial security in the future. It is a method of saving money for the future that should not be overlooked or taken for granted. Even a bad 401 (k) plan is preferable to none, and with strict regulations, those are few and far between. More importantly, if your company offers to match the funds in your 401 (k) plan, not taking advantage of that offer is tantamount to throwing money away.
The next big blunder with your 401(k) is risking too little. Risk is associated with rewards. If you don't take any risks with your investment, you're essentially throwing money away. Furthermore, it is nearly impossible to meet your retirement goals without taking some risks and suffering some setbacks along the way. This is not to say you should be reckless, but you will need to take some calculated risks along the way in order to receive the larger payouts that most of us hope for when investing in our retirement funds.
Excessive risk-taking. When it comes to investing in the stock market, there are numerous risks to consider. There are a few that deserve to be mentioned more than others. To begin with, stocks pose a significant risk, particularly to the uninitiated. While it is true that great rewards are frequently the result of great risks, you do not want to put the majority of your retirement savings at risk by investing it all in stocks.Another thing you should try to avoid doing is investing in your company's stock. We've seen far too many lives destroyed when businesses fail, taking the financial security of their employees with them. Many companies provide incentives to employees who invest in their company's stock, which may be tempting, but I recommend investing as little as possible in your company stock whenever possible because doing so may lead to problems down the road.
Finally, borrowing against your 401(k) is the worst thing you can do for its health. There are numerous ways for this to go wrong, and the penalties for doing so are more than a little severe.They are intended to be that way in order for you to use the funds for their intended purpose. I would only recommend borrowing against your 401(k) if you have no other options, and I would seriously consider selling a kidney before doing so.
When it comes to your financial retirement, 401 (k) mistakes can cost you far more than you realize. Avoid these common blunders, and you should be well on your way to a prosperous retirement.
You can plan for your financial retirement in a variety of ways. The phase that entails actually formulating a plan of action that you can follow as a family is always the first step in making the appropriate moves. Many people have a hard time finding a happy medium for saving and investing because they focus too much on the now or too much on the future.
We will have long and short-term goals throughout our lives that must be evaluated, addressed, and revisited on a regular basis. Whether you're looking for advice on how to pay for your children's college education, home renovation projects, or a means to save for your retirement, a skilled financial advisor can help you with all of these issues and more.
A qualified financial advisor can assist you in achieving the balance that so many people and families struggle to achieve. He or she will also assist you in evaluating your financial resources in relation to your long and short-term needs in order to determine where your assets would generate the best return in order to meet your individual needs with the least amount of danger. It's crucial to realize that working with a financial planner or advisor does not eliminate the hazards that come with investing; rather, it teaches you how to better assess those risks.
Investing is a high-risk endeavor. Learning how to calculate the odds and go for the prize is the greatest approach to maximize the return on your investment, regardless of how small it may be. We all come from diverse backgrounds, but isn't it fantastic to think that when it's all said and done and we're in our 'golden years,' we'll all have very similar abilities?
When it comes to your financial retirement, good financial planning is essential. With so few individuals well prepared to retire around the world, it's comforting to know that there are options and resources available to help you get started on your retirement, no matter how late you are in the game.
Even better is the awareness that once you reach the age of 50, your limitations are loosened a little and retirement is much closer.This enables folks who got a late start on their retirement planning or who have encountered a few speed bumps along the way to 'catch up' on their investment and get to the point where they need to be in order to create a more pleasant retirement for themselves and those they care about.
401(k) plans currently provide some of the best retirement benefits money can buy. They undoubtedly enable you to get the most return on your investment. If you aren't taking advantage of your company's offer to match your 401(k) investment, you should definitely reconsider. Seriously, you're squandering free cash.
It's helpful to have a guide to help you navigate the murky waters of retirement investing. Using the services of a financial planner may be the best decision you've ever made in terms of your family's financial health and retirement.
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Haiku originated in Japan. It is a poem with 5 7 5 syllable count.
5 syllables in first line
7 syllables in second line
5 syllables in third line
Examples:
Rainbow:
From rain rainbow come
Different colors will see
Gives joy to a child
-jaysonbanaag 1998-
Smartphone:
Smart phones are sometimes
Smarter than its owner
Read and feed your mind
Hi! Ako si Jayson. Ginawa ko ang blog na ito para ibahagi ang mga kwento, karanasan, at tips tungkol sa Alternative Learning System o mas kilala bilang ALS.
Ang goal ko ay makatulong at makapagbigay inspirasyon sa mga mambabasa—lalo na sa mga kagaya kong dumaan din sa mga pagsubok. Dito makakabasa ka ng:
Personal stories
Mga praktikal na tips
Resources na makakatulong sa’yo
Kung may tanong ka o suggestion, pwede mo akong kontakin dito: serjay2018@gmail.com
Salamat sa pagbisita sa blog ko!
Marami-rami na rin tayong pinagdaanan. Mga pangarap na binuo, mga lugar na pinuntahan, mga kaibigang nakilala, lahat yon, tayo ay magkasama. Kung iniisip mong di kita inaalagaan, nagkakamali ka, inaalagaan kita sa paraang alam ko. Paumanhin kung naghahanap ka pa, di ko kayang ibigay kung hindi mo naman sasabihin. Sa bawat problemang ating pinagdadaanan, iniisip kong iwanan at palitan ka ngunit di ko ginawa dahil pinahahalagahan kita. Pinahahalagahan ko ang ating pinagsamahan, ang bawat pagsubok na pinag daanan. Hindi kita sinusumbatan kong minsan na maririnig mong nag rereklamo ako. Desisyon kong manatili, desisyon kong huwag kang bitawan.
Subalit bakit parang ikaw ang sumusuko. Parang ikaw ang napapagod. Parang nararamdaman kong iiwan mo na ako. Bakit? Hindi mo na ba kaya? Kailangan mo ba ng pahinga?
Hangga't naririto ka sa aking piling ay sasamantalahin ko ang pagkakataon. Susulitin ko ang bawat oras na tayo ay magkasama. Susubukan kong ayusin ang kung ano mang nararanasan natin ngayon.
Isa lang ang pakiusap ko. Huwag mo muna akong iwanan. Huwag ngayon. Huwag na sana.
-jayson banaag-06092021
Free Weight Loss Report
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Learn All
About How You Can Start Losing Weight Super Easy
First and foremost, people don't
realize that what they drink is the first step in losing that first 10 pounds.
In fact, most people don't know that when they feel hungry, they may actually
be dehydrated and they are really thirsty, not hungry. Water is remarkable as
well. Over 66% of your body weight is nothing but water. This is also why water
plays an important role in weight control. So TIP #1 is:
Drink plenty of water. It is
recommended that you drink 8 glasses per day, but that may take you some time to
work up to. Your body needs a whole lot of water. Water doesn't just flush all
the toxins out of your body, but it makes you feel better and healthier. When
you drink a lot of water you just begin to feel fit and this is the motivation
you need to lose weight.
The best thing about water is you
can drink as much as you want because it has no calories at all. When you're
drinking a lot of water, you eat less as well because you won't feel as though
you are starving to death. Remember, if you feel hungry, try drinking a glass
of water first and you'll realize you were probably just dehydrated and not
hungry at all.
The whole 8 glasses a day rule is
really something you should strive for. The best way to do this and to measure
your water intake is to buy a jug from the drug store or grocery store that is
designed to hold exactly 8 glasses of water.
These are great weight loss tools because you can fill them
up, freeze them and as it melts throughout the day you have fresh and cold
water. Or, if you don't mind your water room temperature you can drink it that
way as well. All that matters is that you're getting in the water your body
needs.
TIP #2: Start off your day with a
fresh, clean glass of water. As soon as you get up in the morning, drink one
down. This will help your body to get going because it won't be fighting
through dehydration. Also, after you drink a glass of water you won't need to
eat such a large breakfast. A glass of water wakes up all the digestive juices
in your body and gets it well lubricated. You can always have your morning
coffee or tea, but be sure to have a glass of water afterwards. Caffeine
dehydrates you and you want to ward off dehydration.
TIP #3: Drink a glass of water
before you sit down to eat. Water will naturally make you feel fuller so you
don't have to eat as much food.
TIP #4: Have a glass of water
while you eat as well. Take a drink after each bite and you will feel full more
quickly so you can leave the table feeling satisfied without feeling bloated.
Drinking water while you eat will also help your food to settle more quickly,
which also helps you to feel full faster.
TIP #5: Do your best to stay away
from soda. All sodas are sweetened with lots of sugar. The more you can cut out
of your diet the better. Also, diet soda is still soda. It may not have as much
sugar, but it has other chemicals and components that are not good for your
body either. If you drink a soda, counteract it with a glass of water.
Remember, caffeine dehydrates you as well.
Decaffeinated sodas still have
caffeine in small amounts as well and just as much sugar, so they are not much
healthier either.
TIP #6: Fruit juice isn't as
healthy as most people think either. Juice actually has a lot of sugar in it as
well. If you are craving a glass of juice, drink fresh fruit juice instead of
juice that has artificial flavors and coloring. It is even better if you can
make your own fruit juice. Just be sure not to add too much sugar which adds to
the calories. Instead of drink fruit juice, eat more fruit. Fruit provides your
body with much needed fiber as well as vitamins.
TIP #7: Go easy on the tea and
coffee. They are pretty much harmless if you don't add a lot of cream and sugar
to them. It is the cream and sugar that becomes fattening. Think of it this
way, when you have a cup of coffee or tea with cream and two cubes of sugar,
you are essentially eating a piece of chocolate cake every time. Now think of
how many pieces of cake you are eating when you have a Venti Starbucks Latte –
yikes.
TIP #8: If you must have your tea
and coffee, try to drink it black. Black tea or coffee actually has health
benefits to it as long as you counteract the caffeine in your body with a nice
big glass of water. Caffeine is also not good for you because it affects functions
in your body, like your metabolism.
Another type of tea that you can
drink freely is green tea. Green tea has been used as a medicine in China for
over 4,000 years. It aids the digestive system and can help ease an overly full
stomach and it has been linked to a reduction in cancer risk.
TIP #9: If you can say no to
alcohol, then that is best. Alcohol beverages are not exactly good for you,
although a glass of red wine does have heart benefits, most are just fattening.
Beer is especially fattening. Cocktails are fattening depending on what they
are made of. For instance, whiskey and Coke. The whiskey may not be fattening,
but the Coke definitely is. Plus, after a few drinks most people get the
munchies and when you're feeling a little inebriated and hungry you won't be
able to make rational decisions regarding your diet and it's usually late at
night, just before you pass out from a night of drinking, that you overeat. The
overall combination is just not a good one.
TIP #10: If you must have alcohol,
try dry wine. Dry wine is better than your sweet wines, because sweet wines
have more sugar! Dry wines have sugar, but most of it has been fermented away
into alcohol and from a weight gaining perspective, dry is better.
TIP #11: Another word on coffee,
that is not necessarily bad, but more interesting than anything. Some people
have reported that when they drank black coffee before exercising, they lost
more weight. There's no scientific proof to back this, but nutritionists
believe it may be caused by the body being forced to depend on fat for fuel.
Hey, it's worth trying if you can stand black coffee. Just remember to drink
plenty of water during your exercise!
TIP #12: Avoid drinking excessive amounts of coffee, as it
desensitizes your body to the natural fat burning effects that caffeine has.
One or two cups (if the day's really slow to get started) max.
Thank you for reading
this Free Report on Losing Weight Easy!
