Posted: Mon Jan 14, 2019 9:05 am Post subject: retirement security that they promot
WARSAW， Dec. 9 (Xinhua) -- The physical fitness of Polish children and youngsters has worsened in every aspect in recent years， Polish Press Agency reported on Friday.
The report quoted a recent research made by National Center of Physical Condition Examination as reporting that a continuous worsening of fitness examination results can be observed since 1999. The results were obtained after conducting various efficiency tests.
Janusz Dobosz Phd， the author of recent research， compared the efficiency tests results of children and youngsters conducted under his supervision in 2009 with the results of the similar tests held in previous decades.
In 1979， a boy aged seven could run 600 meters in a time 39.2 seconds faster than today. Such a subject could also hold onto a horizontal gymnastics bar for 17 seconds while the time today is less than 7 seconds. The worsening results concern both boys and girls.
Researchers believe the changes are mostly caused by a lack of physical activity， changes in lifestyle， and other ways of leisure and pastimes.
They warned the symptoms pose severe threats to health and lead to negative changes as far as respiratory system， bone system or circulatory systems are concerned. It means also a bigger burden for the country's budget when it comes to health and medical expenses.
" Your retirement income investment plan starts now Fernando Torres Jersey , right now, no matter how old or well heeled you happen to be.
Step One is to understand what a retirement plan is, and to identify the three large numbers you need to keep track of while you are developing your stash. With these three totals on your spreadsheet, it's much easier to develop long-range retirement income goals that make personal sense. A retirement plan is an income production plan. Guaranteed retirement income - projected expenses = the gap. No gap Antoine Griezmann Jersey , add parents and children to the expense number. There's always a gap.
Employer provided pension plans, Social Security, and (always much too expensive) fixed annuity contracts, are retirement income providers. They are monthly income machines that you have paid dearly for but which may not be adequate to cover your retirement expenses--- most of us will need more income than our guaranteed benefits will provide.
And we need to develop these additional income sources while we are still earning some kind of income. The retirement plan is the investment process you employ to eliminate the gap between your projected guaranteed income and a conservative estimate of your retirement expenses. The sooner and smarter you invest before retirement Koke Jersey , the easier the transition from full employment to full vacation will be. Smart investing involves separating your security selections by purpose, and monitoring their performance in the same way. You're never to young to start developing the income side of the portfolio.
Once you start to draw income at retirement, it is much more difficult to invest effectively and unemotionally. Since your income will need to remain secure and constant through several economic, market Customized Atletico Madrid Jerseys , and IRE (interest rate expectation) cycles, you really need to develop appropriate portfolio market value expectations if your program is to survive. You cannot afford to take your eye off the income ball, because income is the only thing you can spend without depleting the productive value of the assets in your investment portfolio.
Obvious? Yes, but only until the market value of your portfolio begins to shrink as a result of economic Atletico Madrid Women's Jersey , market, and IRE cycles. If you invest properly, it (the income) should continue to grow in spite of changing market conditions and fluctuating market value numbers. You must learn to expect market value fluctuations and take advantage of them--- assuming, of course Diogo Jota Atletico Madrid Jersey , that you are following appropriate quality, diversification and income generation standards.
Retirement income planning became more difficult for most of us around the time corporate America realized that defined benefit pension plans were far too expensive to manage and maintain. At around the same time, the Social Security trust fund somehow disappeared (Did it ever exist at all?), and more and more of our hard earned was needed to support our aging friends and relatives. Why haven't the myriad of defined contribution programs been able to fill the retirement income gap?
Because millions of totally investment-inexperienced people were given discretion over billions of investment dollars that could be tax detoured out of their paychecks and into IRAs Nicolas Gaitan Atletico Madrid Jersey , 401ks, 403bs, Thrift, Savings Yannick Carrasco Atletico Madrid Jersey , ThriftSavings Plans, etc. Self directed investment programs generated a need for an investment media; the investment media fueled the speculative juices of an emotional and naive mass of newbie investorspeculators; Wall Street created tens of thousands of new products and compound income schemes to sponge up the wayward dollars.
The Masters of the Universe were ROTFLOL while the Investment gods gaped in disbelief.
Defined Contribution plans are just not retirement plans--- even if your employee benefits department, the media, Wall Street Angel Correa Atletico Madrid Jersey , and Uncle assure you that they are. Most plans are difficult to self-manage with a retirement income objective. Still, these benefit plans are necessary and quite capable of taking you close to where you want to be. Their only drawback is the false sense of wealth and retirement security that they promote. Either the money has to be converted into an income portfolio--- a costly and time-consuming process--- or far too many mutual fund shares have to be sold to produce the spending money
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