Give yourself – and your budget – a break and skip these items
No one ever went broke underestimating the American public’s hunger to buy, buy, buy. How else can you explain things like Etsy, subscription boxes and the Apple Watch?
Often the product seemed like such a good idea at the time. If I had an ice-cream maker/bread machine/doughnut bakery, I would save so much money! Generally, though, such things get used once or twice and then end up at Goodwill.
Perhaps your buyer’s remorse sounds even more expensive:
– An exercise bike and treadmill would keep me in shape all year long!
– Hang gliding looks like fun!
– A timeshare would be a great place for family reunions!
We can’t fix your previous shopping mistakes. However, we can help prevent additional buyer’s remorse — or at least up to 43 occasions of it. Read on, don’t buy and save yourself a lot of money.
Most Americans don’t plan to retire until at least age 60. Recently, more than half of adults surveyed by GOBankingRates said they don’t expect to retire until they’re 65 or older.
But there are people who have managed to leave the 9-to-5 at a much younger age — people like Billy and Akaisha Kaderli, who retired at the age of 38 in 1991. Over the last 26 years, they have traveled the world and lived life on their terms.
The Kaderlis didn’t win the lottery or inherit a windfall that allowed them to quit their jobs. In fact, they didn’t even have $1 million saved. The Kaderlis retired before 40 with about $500,000. If you want to grow your savings and retire early, keep reading to learn more about how they did it — and you can, too.
STAKE YOUR CLAIM
Social Security payments are the primary source of income for many retirees. Nearly 30 percent of respondents to a 2016 survey by the Federal Reserve Board indicated that they had no retirement savings. Whether Social Security will be your sole means of support or a source of pocket change, it’s a good idea to strategize how to get the most out of your benefits – before you hit retirement age.
Many people head toward retirement as part of a couple. But that doesn’t mean that spouses are working together as a team.
Only one-third of couples have even discussed retirement planning, according to a study by consultants Hearts & Wallets. Asked how much money they think they will need for retirement, 47% of couples disagree, Fidelity recently found. And men and women often have different interests in later life, with far more men than women engaging in sports and outdoor activities, and far more women than men getting together with friends and family, according to TIAA research.
Getting on the same page about saving and planning for post-career life is critical for couples in their 50s, for whom retirement is suddenly not that far away. “Eighty percent of reaching your goal is defining what your goal is and having a plan for speed bumps that could derail you,”says Michael Brady, president of Generosity Wealth Management in Boulder.
Your fifties may provide an opportunity to turbocharge savings, as you’ve advanced in your careers and put the biggest money obligations to your children behind you. Or your finances may be pinched by new challenges, like a career setback or obligations to aging parents. If you are remarried, you may be recovering from the costs associated with your divorce. A lot is at stake.
Here are seven smart moves you can make at this stage of life that will help you transition comfortably to the next one.
AGE OF REWARDS
Aging doesn’t always have its perks, but this list of discounts might add some pizzazz to the fact of getting older. Starting at age 50, the minimum age for AARP membership, seniors may cash in on numerous deals just for being born on or before the date required for the bargain. Simply flash an ID to collect on most discounts, although some apply only to AARP members and some are offered only by select chain franchisees.
If you’re struggling to either save for retirement or spend less during those years, you aren’t alone. A GOBankingRates.com study found one-third of Americans have $0 in retirement savings and 23 percent have less than $10,000 saved. What to do in retirement is becoming an increasingly alarming issue in the U.S.
Aside from standard employer-sponsored programs — like 401k and pension plans or self-funded plans, like IRAs — there aren’t a ton of new retirement savings plans coming out of the financial industry. Therefore, it’s up to you to find creative and resourceful ways to prepare for retirement. To get you started, here are 25 brilliant ideas that will help you save more for your golden years.
Insurance rates typically never decrease, but you can still negotiate—especially if you have home and auto insurance with the same company. When your policy renews, get a quote or two from a competitive source, and then present your insurance agent with the information. Chances are, the company will offer you a better rate.
Here are the six major kinds of personal debts that can result in a tax refund offset, along with some advice about what you can do if it ever happens to you.
A Big Ol’ Bowl That’ll Keep You Full for Hours
Chicken and rice bowl with gochujang ranch
There’s nothing quite like the electricity and fever of watching a big game in the stadium, surrounded by thousands of rabid fans. But the sports bar comes mighty close, and some might say reaches its own level of bliss as a gathering place that offers a unique version of the live sporting experience. The sports bar has come to hold a special place in a spectator’s heart – it’s where you can collectively experience the triumphs, the heartaches, and the last-minute surprises of any game.
The American sports bar dates as far back as the early twentieth century, writes Kevin Roose for ESPN. It began when runners would take the scores of the games from the stadiums and “run” them back to patrons. While Prohibition effectively killed bars in general during the 1920s, the advent of television and televised games brought the sports bar roaring back.
What’s made the American sports bar what it is today goes far past the TV (though it certainly helps to be watching the game on a 10-foot projector screen). Today’s best sports bars reimagine what the collective sports-watching experience can be. Some fans may want the loud, rowdy atmosphere at bars like Boston’s The Fours or Atlanta’s Stats. Others may want the updated bar food that brings the comfort of home cooking to the game, like Mesa, Arizona’s The Draft Sports Grill. Still others may want a more plush experience, for which Emeril Lagasse’s Las Vegas outpost, Lagasse’s Stadium, fits the bill. And then there are those who may just want to feel surrounded by the sports legends of the past, for which we recommend the “sports museum” at Chappell’s in Kansas City, Missouri.
We went deep into the outfield to compile our list of the best sports bars in America: We reached out to our wide network of contributors, combed through scores of local “best-of lists” and fan reviews, and asked our readers to nominate and vote for their favorites.
Those bars that made our list offer food, drinks, entertainment, and an atmosphere as electric as (or sometimes more electric than) the sporting events themselves. But no matter the amenities, what makes these 50 sports bars truly great comes down to the heart of the operation: the fans.
The 50 Best Sports Bars in America There’s nothing quite like the electricity and fever of watching a big game in the stadium, surrounded by thousands of rabid fans. But the sports bar comes mighty close, and some might say reaches its own level of bliss as a gathering place that offers a unique version of the live sporting experience. The sports bar has come to hold a special place in a spectator’s heart – it’s where you can collectively experience the triumphs, the heartaches, and the last-minute surprises of any game.