Check Your 401K

Wouldn’t you like to have an early retirement at 50 or 55 years of age instead of the traditional age of 62 or 65? Even with today’s economy, that dream is possible to achieve. You can do it if you check your 401K

Planning for early retirement is an easy task, especially if you are just starting out in the working world when money is usually tight. Scarifies will have to make and immediate gratifications will have to be deferred. That is why you should be checking your 401k balance.

You will need early retirement planning and have a good retirement savings plan that will provide the nest egg you will need for the financial security that is want during your retirement years.

Set Your Goal

An important first step in early retirement planning is to have a goal in mind. Protect your 401K. If your goal is to retire living the same lifestyle that you are living at the time of your retirement, then you need to figure the annual expenses involved to live that lifestyle and how much income you need to cover those expenses, and multiply that number by the number of years of your life expectancy. Don’t forget to account for inflation and unexpected emergencies such as medical emergencies due to accidents or natural disasters.

You can do this calculation yourself or your can get help on the Internet with free retirement planning tools to make the math easier. If you can afford it, you can hire a professional that provide retirement planning services to help you.

Choosing the Right Retirement Savings Plan

Having the right Early Retirement savings plan will go a long way to getting you to where you financially will be able to retirement. Luckily, there are many different types of retirement plans to choose from. Some of the most popular plans include the Traditional Individual Retirement Account (IRA), Roth IRA, Keogh plan, and 401(k) plan. All these retirement savings plans offer some tax advantages that help the money invested in them grow faster that if the money was invested outside of the plans.

Don’t overlook some of the more traditional investment vehicles outside of the IRA, Roth, Keogh, and 401(k) plans, such as individual stocks, bonds, and mutual funds to diversify and spread the risk of investing. While the investments may not offer the same tax breaks as the IRAs and 401(k) s, they provide more options for your investment money. Other types of investments you may want to look into include rental real estate and gold coins. But remember not to put all your money in one place and don’t spread yourself too thin.

Do your research before you putting your hard earned money into any investment. You need to be knowledgeable about investing and the various investment options available to you. Read financial books, the business section of the newspapers, watch the financial news, or ask questions of friends who are successful in their investing or business. And once you decide on the types of investments, stick with them, but do review and, if appropriate, readjust the investment portfolio at least once a year.

If you are just starting out in the job market and don’t think you make enough money to start an early retirement plan, review your expenses and see where you can cut back, and put that money into your retirement investment plan.

No matter how little you can save toward your retirement plan, the important thing is to start as early as possible. The earlier you save, the more time your money will have to grow into an amount that will provide you with secure retirement.

Best Schools In Texas

How we educate high school students in the U.S. needs to change. Our high schools are no longer relevant to the needs of 21st century learners and the system must be restructured.

This restructuring will allow students to choose from a variety of new study options. The days of “one size fits all” for secondary education services are coming to a close – it is now about providing students with a “customized” course of study in their pursuit of a high school diploma. Students should have a choice among the traditional high school model, a community high-school model (a hybrid between traditional and online instruction), and an early-college model that will allow students to graduate with both a high school diploma and an Associate’s degree by taking a fifth year of high school.

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Central to all three high school study options, or combination of options, is an intensive focus on making each learner’s secondary school experience a successful one (particularly at the freshman level), and offering ubiquitous student access to the Internet both in school and at home (using a variety of mobile computing devices).

A synopsis of each program option required in a restructured high school include:

Freshman Academy

Research has shown that the transition between middle and high school is one of the most difficult developmental challenges a person faces in life. Students who are not successful in 9th grade are six times more likely to drop out before completing high school compared to their peers.

Bring Your Own Device (BYOD)

Technology plays a large role in our students’ lives today. Personal devices can enhance and enrich learning opportunities both at home and at school. High schools today must be committed to allowing responsible, learning-centered use of personal devices at school so as to provide as many pathways to understanding and learning as possible for students.

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Hybrid Community High School

The creation of a hybrid community high school, in addition to traditional high, merges traditional and online learning into one customizable secondary education program. This hybrid is particularly attractive to students who do not do well in the traditional high school setting, such students at-risk of academic failure, gifted students, or students who are just plain bored and need something different. This merger results in one, united flexible-program high school for “non-traditional” high school students who, for one reason or another, would prefer to complete many of their required credits online instead of in the classroom.

Early College Program

It is widely accepted that a majority of today’s jobs, eight or nine of every 10, require education beyond a high-school diploma. It is also known from U.S. Census data that most adults in the U.S. have not yet completed a two or four year degree. Although nearly 70% of high-school graduates start some college classes, only about 20% actually complete a degree. One significant problem today is that many students find that completing a college degree is difficult because of the many conflicting financial and time commitment priorities they face in today’s economy. A successful pathway to a college degree now requires a coordinated collaboration among high school, college, family, and community partners.

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Summary

By rethinking how high school instruction is delivered, American secondary education can begin offering a truly customizable to its students. In so doing, we can produce high school and Associate’s degree graduates with a comprehensive set of critical thinking and tech-savvy skills that will serve our country well as these students compete for the new jobs in our global economy.