宜宾市微创开双眼皮保持时间(宜宾做一次开眼角的价格) (今日更新中)

What would it take to save million for retirement? Right now, more people than ever are 401k millionaires.Financial adviser Jonathan Duong says saving million is not as impossible as it may seem."A million dollars is very achievable for folks who aren't necessarily making really large six-figure incomes," Duong says.   The average 401k millionaire has been contributing to their retirement fund for over 30 years, according to MarketWatch.  So, how do you get to million in your 401k? Duong says there are a few easy ways.   First, defer over 10 percent of your paycheck to your 401k. Fidelity Investments says it might seem like a lot, but in the end, it should leave you with an annual income that you're use to once you retire.   Next, take advantage of your employer match."A match is free money," Duong says.   MarketWatch found 28 percent of the contributions to the average 401k millionaire's account came from their employer.   "Additional things you can do is working a little bit longer and delaying social security," suggests Duong.   Delaying Social Security until you’re in your 70's will allow you to get more money opposed to taking it sooner.   “It’s fairly good to say that if you've got 25 to 30 times your annual living expenses saved up, you might be in a position to retire, but there are a lot of other details that go into it," Duong explains.   There's no rule of thumb for how much everyone should save, Duong says. It all depends on your living expenses and how much it takes for you to live comfortably.   "In my mind, the ability to start today is really a reality for most people it's never too late," Duong says. 1756

When you sit down to do your taxes in the next six months, there are some things you need to know. There'll be a lot of changes to what you can deduct when you file your taxes next year.Elaine Espinola is one of the 150 million Americans who is gearing up to file a tax return under the new law."Sounds like I can't deduct a lot of things that we had been,” Espinola says.Shes right.Tax expert Ed Karl says the tax bill that passed last December is the biggest overhaul to the tax code in over three decades."Nothing of this magnitude since 1986,” Karl explains. 575

With NFL preseason games scheduled to be held next month, several outlets are reporting that the NFL will reduce the number of preseason games teams play from four to two.Pro Football Talk and ESPN reported the change Wednesday afternoon, but the league has not made an official announcement.Pro Football Talk said that the league decided to eliminate Week Nos. 1 and 4 of the preseason. The report says that in addition to teams not wanting to travel large numbers of personnel amid a pandemic, with a lack of offseason workouts, coaches indicated a preference to hold extra practices instead of preparing for exhibitions.The length of the preseason has been considered too long by some in the past, as most teams opt to play reserves for the fourth and final game of the preseason. But the loss of a preseason home game could result in a decrease in revenue for teams.It remains unclear if teams will be allowed to welcome fans in stadiums this fall. 960

Whether it’s to earn rewards toward vacations or just finance everyday purchases, there’s strong demand for credit cards among older adults.According to a report from credit bureau Experian, baby boomers (those born between 1946 and 1964) carried an average of 4.8 credit cards in the second quarter of 2019, more than any other generation in the report.One might think that an older adult’s chances of getting approved for a new credit card would be relatively high. It’s a demographic that’s had more time to establish long credit histories, pay mortgages and exhibit responsible borrowing. The Equal Credit Opportunity Act even bars creditors from discriminating against an application on the basis of age.If you fall into that demographic, though, there are several reasons why it could be challenging for you to get approved for a new credit card. Here’s what could be influencing your creditworthiness, and what you can do about it.Why older adults could be denied creditLess incomeDuring the credit card application process, you’ll be asked to report your annual income or income that you have reasonable access to; the bank needs to make sure you’re able to pay back what you charge.If you’re retired, you may be living on less since you no longer have that steady employment income, and that can affect your chances of approval.The good news is that you can count more income than just a traditional salary, including things like:Social Security benefits.Income from a spouse or partner.Income from investments and retirement.Part-time or seasonal jobs.Dividends and interest.Thin or ‘invisible’ credit filesIf you’re an older American who’s worked hard over many years to pay off your mortgage and whittle down daily expenses, you may not think your credit scores matter much anymore. But you may be rudely awakened when you incur a large unexpected expense, want to downsize to an apartment, or try to open a new travel rewards credit card to help boost a retirement trip. Credit scores do indeed still matter, and some factors may be working against you.In order to even have a FICO credit score, you need to have credit activity reported to the U.S. credit bureaus at least once every six months. Plus, that credit line with activity on it must be at least six months old.So if you’re fully free of debt — say, you’ve long ago paid off your home, your car and other loans and haven’t had any other credit activity in a year or more — the bureaus simply may not have enough information about you. Your credit file may be too thin.According to a 2019 analysis from credit bureau Equifax, about 91.5 million consumers in the United States either have no credit file or have insufficient information in their files to generate a traditional credit score.Poor ‘mix of credit’Even if you’re an older American who’s actively using credit cards and paying them off on time and in full each month, it doesn’t ensure you’ll get approved for your next card. In fact, if you have only credit card accounts in your credit file but no installment accounts like mortgages or car loans, it can be a drag on your credit scores.That’s because credit scoring models also like to see a “mix of credit,” meaning a variety of accounts that show you have experience with different kinds of borrowing. There are two basic types of credit:Revolving: Doesn’t have a set end date or consistent balance. Credit cards and home equity lines of credit are the most common types.Installment: Installment loans have set end dates and require a standard payment every month. Mortgages and car loans are the best examples.If you have a long credit history of on-time payments as well as low credit utilization, then not having a mix of credit likely won’t be enough to make or break your creditworthiness. But lacking a mix of credit could drag down a borderline score and make it hard to qualify for a new credit card.Co-signing pitfallsDid you agree to co-sign on a personal loan for your son, or on student loans for your granddaughter? Your generous help may have had unintended consequences for your credit scores.When you co-sign a loan, both the loan and payment history show up on your credit reports as well as the borrower’s. If the person you co-signed for misses payments, it’s your score that will be negatively affected.Even if the person you co-signed for is making all their payments on time, the loan could still count against you. That’s because it can constitute a debt obligation that leaves you too little disposable income to qualify for a credit line in the eyes of issuers.5 ways older adults can boost their odds of credit card approvalEven if you’ve paid off your mortgage, have a thin or invisible credit file or have never used credit cards at all, there are still ways to improve your chances of getting a new credit card.Check your credit report: Pull your credit report regularly to make sure there are no errors. A credit card issuer could have incorrectly reported a late payment, or your report could show accounts that don’t belong to you at all. If you find anything wrong, dispute the errors right away. Make sure you continue to monitor your credit regularly.Become an authorized user: If you have a loved one with a strong credit history, ask if they’ll consider adding you as an authorized user on their credit card. The issuer will send the primary account holder a card with your name on it, and you may benefit from their good credit. It may not be enough to have a huge impact on your credit scores, but it could give you a bump relatively quickly.Build credit with a secured credit card: A secured credit card acts like a regular credit card in many ways, with one key difference: It requires an upfront deposit, which acts as your credit limit and protects the card issuer in case you’re unable to pay back what you charge. Use a secured card to help build credit in the near-term, then upgrade to a traditional credit card once your credit scores are in better shape.Consider a credit-building installment loan: A credit-builder loan holds the amount you borrow in a bank account while you make the payments. You generally won’t be able to access the money until you’ve paid off the loan, but those payments are reported to at least one of the credit bureaus. Not only can that help your credit scores, but it can also add to your credit mix.Don’t close long-held accounts: If you have some credit history but are trying to improve it, avoid closing any cards that you’ve held for years. The length of your credit history and average age of accounts are factors in your credit scores. Keep your oldest accounts open, but look to downgrade cards if they carry an annual fee that’s no longer worth it.More From NerdWalletI Paid Off My Credit Card Debt … Now What?How to Increase Your Chances of Credit Card ApprovalSmart Money Moves When Cash Is Tighter Than TimeErin Hurd is a writer at NerdWallet. Email: ehurd@nerdwallet.com. 6959

Where and how Americans work has forever changed because of COVID-19. If you have the type of job that can be done remotely, you can do it wherever you can find internet.Some are taking the opportunity to work from new and exotic locations. As we all approach the fall, parents are realizing that kids can learn from anywhere too.When the pandemic hit, and everyone went remote, David Wells and his girlfriend hatched a plan. It was time to leave Brooklyn.“It’s a wonderful place, that said it’s an urban metropolis and we are people who love to be outside and Idaho is a different type of location that offers various outdoor activities that are important to us,” Wells said.So, they left. After all, all they really need is an internet connection.“The traditional work day has totally changed with our present situation and it’s taken some time to get used to it,” Wells said. “The ability to work remote and see new parts of the country and it makes you happier and ultimately a more productive employee.”Now, they fish, horseback ride, explore and hike. They've even taken up archery.“We’ve hiked in the Tetons, we’ve horseback with a number of outfitters, we’ve taken day trips to other cities like Ashton in St. Anthony. We saw the dunes in St. Anthony,” Wells said.All while keeping their day jobs.“They understand as long as you’re present and you have internet access that you’re able to do whatever it is you need to do, whether you’re in an office or remote,” Wells said.Property managers say it's a trend they're seeing a lot of.“The 30-day rental used to be more of a unicorn than it is now,” Danessa Itaya, president of Property Management Inc., said.PMI has 260 franchises across the United States.“We hear from our franchisees that they’re getting these 2-3 month rentals, but they’re asking for upgrading internet so I can work remotely (and) how easy can I access the grocery store and the beach,” Itaya said.San Antonio, Texas, Austin, Texas, Naples, Florida, and Idaho are destination hot spots.“Driggs, Idaho, is a feeder into Yellowstone, into Jackson Hole, Wyoming, and they’re regularly looking at 1-3 month rentals. You don’t usually get that, especially in Driggs, Idaho,” Itaya said.Now, as fall approaches, the other inquiry is about school, and internet bandwidth to support both distance learning and remote employees.“They need high-speed internet which is not common,” Itaya said. “You don’t normally get that request from a vacation rental. They need reliable internet and they need cleaning services and laundry services so they’re looking for longer stays.”Proof that people are finding the coronavirus quarantine as an opportunity to do something you would otherwise never do.Wells and his girlfriend are planning on making it a tradition. 2783

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