Spring into Living for Today and Tomorrow

     Most people in the working world look at retirement as a savings account for when the job is over. The future is built around what you save while you are working. There are many who withdraw their funds for various reasons. Some people change jobs where they withdraw and transfer their retirement funds, transferring them to another account holder, or to an investment broker. Once you are hired with a company, you go to human resources and set up your benefits. These benefits normally contain healthcare, dental and vision, and as well as retirement. More than once, I have struggled with the questions of “How did I work so long, yet I feel as if I was worth more than this?” 

     If you are saving for retirement and do not know what other options are out there? Something you can consider is an account that holds investments in it. IRAs (Investment Retirement Acts) are not investments themselves, they are only the account that holds the investments. Within the account you can invest in stocks, mutual funds, CD’s, money market funds, and you can even own real estate in your IRA. An IRA is basically an account that provides huge tax benefits when used to save money for retirement.

     The two most common and basic IRA’s, are the ROTH and the Traditional. The main advantage of the Roth IRA is that you use after-tax money to fund it, so when you reach retirement age you will not pay any taxes on the withdrawals. The Traditional IRA, on the other hand, offers an up-front tax deduction, but commands taxes to be paid in retirement.

    However, taxes invested in the future from the company, are something for the future. As I was viewing an episode on KNOE news last night, I was surprised to see how much people are saving in heating bills this year due to the early spring. Some people stated savings up to $700.00 in savings. There were increased numbers in “do it yourself projects.” Home Depot has increased sales, as well as Lowe’s, and other stores that sell products as that. There is an increased number of building, an increased number of construction, an increased number of jobs and employees, and a decrease in job unemployment.

     With spring in the air, the future is getting brighter for all of those who are starting new jobs. With these new jobs are people beginning to save. Whether it is through retirement through their company, or through their independent investment agency, 2012 has brought forth many positive changes for the year thus far. It seems the savings offered forth through savings, have opened the door to spring into living for today and tomorrow!

                         Published March 15, 2012, Ruston Daily Leader, The Park Bench.

                                                                               

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

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Published by touring from the park bench

A blogger, columnist, educator, researcher, social media enthusiast, and writer with a zest for knowledge; Brenda is the founder of "Touring from the Park Bench"; formerly the column and now, the blog. Her diversified background has enabled her to research and write in Arts and Sciences, knowledgeably and creditably. Her writing themes include Behavioral Sciences, Christianity, Criminal Justice, Education, Fitness, Healthcare and Informatics, Lifestyle, Psychology, and Sociology. Brenda thrives on researching and learning, which has enabled her in work in Technical Writing and Communications for over five years. Though varied in her traits, she has considered the distinctions of others, as a contribution, an honor, and a privilege to behold. She acknowledges her acceptance through collaboration and communication with professionals in other disciplines, forming meaningful partnerships through the culmination of challenging projects. She feels It is through interaction that awareness, integration, and success in finding solutions to mutual problems are constructed. She sees adaptability as her best characteristic, and modesty as her worst. She currently lives in Florida with her youngest daughter and her chihuahua. She has professed in words life lessons such as learning the day is scarier than the night, for you will see the harm that befalls you, and betrayal is painful. She's learned unconditional love is never stronger as seen in the very young and in the very old. She's learned no matter what emotion a person is experiencing a cuddly puppy can make you re-evaluate so much. She's learned the only certainty in life is death- so, be ready. She's learned the most experienced emotions are forgiveness, grief and hope, and that patience is the most taught virtue. She often finds nature as deeply overwhelming and has come to realize how important grounding is for the body and soul. It’s the fleeting moments people don’t take advantage of like when caught in a rainstorm, when snowflakes begin to fall and melt as soon as they touch the warmth of your skin. AUTHOR'S WORDS~ "Have you ever watched over a cocoon, as it changes into a butterfly, or a rose bud as it blooms? It is almost like watching your children grow, all too quickly, they aren’t children anymore, and neither are you. Live life while you can for you do not get a second chance.”

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