Face of a dog served last meal... will it hurt to die?

If saving for retirement is a struggle, imagine yourself if you lost a job. More and more people really take care of their own retirement security. To avoid unnecessary financial constraints, create a plan to reduce debt as you approach retirement. Design your savings and spending plans.

Retirement planning is definitely difficult, especially if the implications of your choices tend to get magnified. You'll need to determine the amount of savings needed for your desired lifestyle. A spending strategy is equally important. However, rather than following a budget, many people spend more than what comes in.

Determine your annual base or mandatory expenses on food, clothing, shelter, utilities, medical, and transportation expenses. Also consider investing in long-term health care insurance which can typically cover the cost of home care, nursing-home care, and assisted living which is not usually covered by traditional health insurance.

Safeguarding your finances while you are still employed will help you become financially stable even after retirement. Many people are anxious when their retirement years are fast approaching. Imagine being at that point in your life and feeling you haven't achieved your goals yet. It could get especially worrisome if you don't have enough savings to be able to sustain your lifestyle after you retire. So, you need to enjoy spending within your means.

Securing a retirement fund is definitely needed if you want to live comfortably. The best time to start saving for your future is now. Not next year, not next week, not tomorrow, and not even later. Start planning for retirement at this very moment. It's better to start sooner than later. The earlier you plan, the more time you have to save money, pay off debt, and invest in the future. You also give yourself some leg room in case you make a bad decision and need to recover from a mistake. If you start investing late, then you lower the possibility of accomplishing your retirement plans.

Consistency is essential in saving money for your retirement. At first, it may be difficult, but you'll find it easier to save as you get along. One of the solutions for this is to set aside savings every month, even just a small amount. Save more as you go along-but never, never go below the initial savings amount.

Planning may be easy, but it's the willingness and determination to stick to your plans that could bend at times. It's important to have a clear vision ahead. No matter how far away your retirement years may seem, it is always a good idea to learn how to manage your personal finances. Those people who know how to manage their money succeed in allotting enough money not just for their savings but also for other financial matters.

It's important to create a budget. Separate your needs from your wants and try to track your spending on a monthly basis by listing down all your expenses. Seeing where you spend your money can help you sort out your priorities and plan how you can save more from your income and spend less on non-important expenses.

Retiring from work is a major leap in one's life. Prepare for the inevitable as early as now and assure a financially stable future for yourself and your family.

Deadline: TODAY 9 pm cst


Tory dies Monday

This dog (aka Blanche) has been posted since Nov 14th



- STILL...NO...CALLS & now they are full

- DIES (along with kennel mate) MONDAY

- CALL TODAY - this is absolutely last call for TORY

Located: Rural South Texas
near Corpus Christi - KENNEL 8

FMI: (410) 608-2195

STATUS : - read comment for update from crossposter
There are 3 crucial ages involved in Social Security planning. Those ages are 62, your full retirement age and age 70. Anyone who has the required 40 quarters worked is eligible for those benefits. You are eligible to begin collecting benefits at age 62, although those benefits are reduced. Full retirement age is 65 for those born before 1943, 66 for those born between 1943 & 1954 and age 67 for those born after 1960. So what happens to those born between 1955 & 1959? Birth year 1955 is 66 and 2 months, 1956 is 66 and 4 months, 1957 is 66 and 6 months, 1958 is 66 and 8 months and 1959 is 66 and 10 months. Are you confused yet?

So why not take your benefits when you reach 62? You may do so, however, for every year before your full retirement age (as shown by birth year above) the benefits are reduced by 8%. Conversely for every year you delay collecting after your full retirement age those benefits increase by 8%. So you may be wondering what happens at age 70? That is the latest age you can collect benefits & the system just sends you a check beginning at age 70.

Many wish to retire early and begin benefits to supplement their pensions, etc. Be careful! If you begin collecting benefits at age 62 and decide to re-enter the work force those benefits could be sacrificed. You see, if you make over $16,920 in 2017 while collecting benefits before your full retirement age your earnings are penalized $1 for every $2 earned. That's right. The system will take back benefits if you earn too much.

Now you may ask if the planning is different for a single person vs a married couple. The answer is YES! Statistics show that a married couple reaching age 65 with $100,000 in assets has more than a 50% chance that one will live until age 95. With a couple collecting benefits the surviving spouse only gets to keep 1 benefit. Obviously, we want the benefit to be as high as possible. The benefit is for life and includes cost of living raises. The goal is to maximize the benefit for the surviving spouse.

Education is the key to proper retirement planning

The rules are complicated and there are no do-overs.
Once the mistake is made, the impact can be devastating to your future
Work with a trained financial advisor that specializes in Social Security planning
Don't think you can navigate Social Security alone. It is a very complicated system.

How can you avoid costly mistakes with your Social Security planning? Patti Lerch, a specialist in retirement planning, gives you the top 3 strategies to maximize your hard-earned benefits.

2 Responses to "Face of a dog served last meal... will it hurt to die?"

  1. There's no information as to where this dog is. We can't help if there's no information. Am I missing something here?

  2. @Animal awareness Blanche is located at Rural South Texas Animal Control Facility, outside Corpus Christi area. The contact number is (410) 608-2195. This is the Facebook page, for those who want to contact the shelter, to help save these babies. https://www.facebook.com/Fosteroradoptadog


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