How to Save 50% of Your Income for Retirement - TheJobNetwork

How to Save 50% of Your Income for Retirement - TheJobNetworkYou may think you have years and years to go before you have to start thinking about retirement. Think again. Though the idea isnt looming on your horizon just yet, its actually the best time to start planning. Give yourself a huge edge to being wealthy in your old age. Compare what youd have after 40 years of savings as opposed to 20more than double, giving interest rates. Youll be able to retire sooner, and better. googletag.cmd.push(function() googletag.display(div-gpt-ad-1467144145037-0) ) You dont even have to make a lot to save. Theres plenty you can do making less than $40k per year. So stop procrastinating. Dont pass up on any opportunities that come your way. Keep your eyes open for them and take them whenever you canyour future self will thank you.1. Save NowIt doesnt matter whether youve never saved, are bad at saving, or have no idea how to do it. Now is the time. Dont let your expenses become an excuse. These are your prime years even putting away a little now can pay off a lot later.2. Get HelpCompanies advertise 401k plans in their employment benefits packages for a reason. This is part of your compensationtake advantage of it. Sign up and start using it. And bonus points if your employer has a matching program. Let them double your money for you3. Go RothNo company sponsored retirement plan? Sign up for the next best option, a Roth IRA. You fund this with money from your paycheck after tax, but when you withdraw the funds later, unlike a 401k, you wont be taxed. Put as much as you can into that fund. Yes, even now. Do you really need that pair of designer jeans? You can also try the MyRA, from the U.S. Treasury, which promises that the savings obligation will never decline in value. Bonus there are no low-balance fees.4. InvestIf investing is an option for you, do so. And do so shrewdly. Try to put a bit in stocks, not just safe bonds with a safe (and flat) return rate. Look for funds that are targeted for your age bracket to help guide you. And find a manager you trust5. Get SmartAn overwhelming number of people dont have any actual financial literacy. Dont be one of them. Take control of your future funds by making sure you understand how markets and investments and money work. If your company offers access to a financial advisor? Sit down with them ASAP.6. Stay Out of DebtStudent loans and mortgages are a necessary evil. But try to keep debt from piling up on your leistungspunkt cards. Youll pay more than double the original amount for your purchases if you let the interest charges get the better of you.7. Have a StashMake yourself a safety net so you never have to dip into the red. That way, if your car dies, youre not saddled with a huge credit card bill that has the possibility of becoming a spiraling balance down the road.8. Get Those Tax BreaksFind out whether your tax bracket offers any breaks for contributing to a 401k or IRA. Theres also something cal led the savers credit for individuals beneath a certain income threshold. landsee if you qualify.

Recycling Isnt Enough 7 Ways Your Office Is Low-Key Contributing to Climate Change

Recycling Isnt Enough 7 Ways Your Office Is Low-Key Contributing to Climate Change The environment makes its way into regular discourse these days... and for excellent reason.Between climate change and major calamities like the Amazon rainforest fires, its clear that steps must be taken to reduce the damages inflicted by mankind on our planet. And its easy to assume that those steps can only be taken on macro levels, by massive corporations changing their practices and by governments instituting new regulations and policies.However, even individuals and smaller businesses can make a difference, which is why every schreibstube should seek to go as green as possible not because its trendy, but because its necessary. Read on for seven common workplace habits that dont pass muster as eco-friendly, along with the best ways to fix them.1. The kitchen/break room regularly stocks plastic utensils and cups.Buying plastic utensils and cups for employee use seems like a logical course of acti on theyre easy to throw out, therefore reducing the need for dishwashing. However, single-use plastic cutlery, straws, plates and cups also wreak havoc on ecosystems by endangering wildlife.And, aya no one LIKES washing dishes. But keeping your office kitchen stocked with reusable mugs, silverware, and dishes results in a far greener workplace. Many eco-conscious offices even supply employees with reusable water bottles to keep at their desks and refill from spring-water coolers placed throughout the workspace, which can easily limit the waste caused by using and immediately tossing a plastic cup.2. The lights, heat, and other electronics stay on overnight.If you work in a large office building/park with building management thats totally separate from your company, you may not have the ability to encourage the building to cut the lights and heat overnight. However, if your company does have authority over those matters, its a valuable way to conserve energy and reduce your businesss carbon footprint. Even if you cant affect the lights or the heat, you can ask your office manager to urge employees to turn off their computers overnight and power them back up when they arrive at work in the morning.3. Employees go through reams and reams of paper on a daily basis.In certain fields (like law and childhood education), the regular printing of paper documents cant typically be avoided. But more and more businesses are coming to realize that going paperless isnt as daunting a prospect as they once imagined. If its feasible for your company, try replacing paper documents with emailed PDFs and e-signature programs.4. Telecommuting is heavily discouraged.As with the paper matter, the ability to permit telecommuting depends heavily on your particular industry. However, some companies insist on the physical presence of their employees out of habit rather than out of necessity. If fruchtwein of your workers commute via car, traveling back and forth five days a week results in significant gas expenditures and chemical emissions, neither of which do the environment any favors. Permitting your employees to telecommute proves far greener, while also having the added bonus of making workers happy (since no one enjoys workday gridlock traffic).5. Office plants arent a common sight.Plants improve air quality, so an office with plenty of greenery often proves a more pleasant place to work. Of course, its not advisable to force a desk plant on an employee with a not-so-green thumb...but if your workers are open to it, your company might consider providing them all with small, easy-to-maintain succulents to keep in their workspaces.6. The office purchasing department isnt focusing on eco-friendly products.These days, eco-friendly office supplies- everything from recycled paper to low-waste coffee machines to non-toxic cleaners- can be easily obtained by companies looking to go green. If your company hasnt yet made the switch, its a point well-worth raising with the purchasing department.7. Recycling isnt part of the company culture.There are plenty of recycling skeptics out there, who dont believe that it really matters whether you drop your crumpled paper in a blue bin or in the regular waste basket. However, your offices recycling habits can indeed make a difference, especially if everyone is willing (and encouraged) to pitch in. Some offices even incentivize recycling, offering small rewards to employees when the bins are used correctly.--