457 Plan – Lost Worlds http://lost-worlds.com/ Fri, 14 Jan 2022 20:46:18 +0000 en-US hourly 1 https://wordpress.org/?v=5.8 https://lost-worlds.com/wp-content/uploads/2021/05/cropped-icon-32x32.png 457 Plan – Lost Worlds http://lost-worlds.com/ 32 32 Houston’s Best-Selling Planned Communities https://lost-worlds.com/houstons-best-selling-planned-communities/ Fri, 14 Jan 2022 20:46:18 +0000 https://lost-worlds.com/houstons-best-selling-planned-communities/

In another sign of Houston’s real estate market heat during the pandemic, 10 of the area’s top neighborhood developments have made it to a national list of the 50 best-selling planned communities in 2021. A look at the list provides insight into what new home buyers are flocking to in Greater Houston Area neighborhoods.

Planned communities are dominated by newly built homes and are significantly larger than standard housing estates. Often spanning thousands of acres, planned communities typically offer homes at various price points in a collection of neighborhoods or villages with walking paths, parks, pools, golf courses, and many amenities. Communities often include mixed-use downtowns, office buildings, retail, and even schools.

In the Houston area, Bridgeland, Balmoral, Tamarron and Sienna all made the top 25 communities on RCLO’s list, along with six other communities in the area that were on the top 50 list.

“Houston again ranked as the No. 1 metropolitan area in terms of total number of planned communities” on the list, RCLO director Karl Pischke said in an emailed statement to The Chronicle. “Houston continues to offer a lifestyle that many buyers are looking for, and at a price that some, such as those moving from high-cost-of-living areas, find quite attractive.”

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Bridgeland is an 11,500-acre planned community located in Cypress, Texas, approximately 33 miles northwest of downtown Houston. With 713 homes sold in 2021, the community ranked second in Texas and 15th nationally in highest sales volume.

It was actually down 18% from 2020, when an unprecedented wave of sales swept away more inventory than expected, said Health Melton, regional president of community developer Howard Hughes. .

Supply chain constraints forced many builders to temporarily limit sales as building materials became hard to come by, Melton said. These constraints, coupled with wetter weather conditions and clearance delays, slowed lead times, which hurt sales compared to the previous year.

“The pullback in home sales is in no way about a lack of demand ‘- it’s really those other factors that really impact the overall housing market,” Melton said in an interview.

The community is also ready for an influx of new homes. Bridgeland’s last village, Prairieland, is expected to accommodate more than 7,000 new homes. This growth is in addition to a planned single-family rental neighborhood and a recently completed apartment project, starting in Bridgeland, as well as new schools planned by the Cy-Fair Independent School District and the Waller Independent School District. .

Balmoral, a Land Tejas community in the Humble/Lake Houston area, ranked No. 17 on the list with 704 home sales in 2021, down 16% from 841 in 2020. Sales have taken off since opening the two-acre Crystal Clear Lagoon in the Pleasure Village in late 2018, moving Balmoral into the top 25 communities nationwide by sales volume.

Tamarron, a DR Horton community in Katy slated for more than 8,000 homes, ranked No. 19 with 684 home sales. Sales are up 11% from 618 sales in 2020. The community, which has homes ranging from 1,260 to 3,360 square feet starting at $300, is poised to be one of the top sellers for years to come, as more than 50% of the community remains to be built, according to DR Horton. Located along the new Texas Heritage Parkway, Tamarron is served by both Katy ISD and Lamar Consolidated ISD.

The nearly 25-year-old community of Sienna, Missouri City continues to be a favorite with buyers. The 10,800-acre community, a Johnson Development and Toll Brothers development in Fort Bend County, ranked No. 24 among the nation’s best-selling communities in 2021 with 646 sales, according to RCLCO.

“It’s exciting to see such demand for a community entering its 25th year. Since its inception, over 10,000 homes have been sold in Siena and there is still plenty of land to be developed in the future,” manager Alvin San Miguel said in an emailed statement.

Despite the strong sales which were actually a 16% drop from the previous year as a shortage of land for homes through 2021 combined with shortages of building materials weighed on sales, added Miguel . However, the tide is turning and the company is “well positioned to achieve projected sales in 2022 and look forward to another strong year,” he said.

The community has on-site water parks, two fitness centers, tennis courts, golf course, dog park, sports park, miles of trails, and numerous parks and fields games. Seven Fort Bend Independent School District schools are located in the community.

Sierra Vista/Sterling Lakes

Sierra Vista/Sierra Lakes, Land Tejas developments along the Texas 288 Corridor, ranked #32 on the list with 579 home sales. Sales are up 22% from 474 homes in 2020. Buyers can find a variety of floor plans starting at $200,000, according to Land Tejas. Residents of Sierra Vista share amenities with neighboring Sterling Lakes.

Breckenridge Forest, an Express Homes by DR Horton community in the spring, ranked No. 34 on the RCLCO list with 569 home sales in 2021. Homes range from approximately 1,300 to 2,500 square feet and start below $300,000. Sales are off to a good start for 2022, with 220 homes under contract and just 60 lots left to build, according to DR Horton. Facilities include a park, swimming pool and pavilion.

Meridiana is tied for 45th on the RCLCO list, with sales up 19% in 2021. The 2,700-acre development of Rise Communities in Texas 288 at Meridiana Parkway in the Manvel area recorded 467 home sales in 2021, up from 391 in 2020. Residents enjoy events such as farmers markets and festivals at the Oasis Village amenities complex. Students attend schools in the Alvin Independent School District.

In addition to homes in a range of price points, Serenity at Meridiana offers new homes for residents 55 and older. Balcara Group is planning a neighborhood of single-family homes for the rental market. Commercial developments are being built nearby.

Woodforest is tied for 45th for the most sales nationwide with 467 home sales in 2021, according to RCLCO. Sales jumped 21% over the previous year in this community developed by Johnson Development. Located in Montgomery County, north of Houston, the 3,000-acre community offers homes at a variety of prices ranging from $260,000 to millions, as well as a senior-friendly neighborhood. The community also offers a wide range of homes, there are several swimming pools, sports fields, parks and playgrounds, as well as the Pine Market mall with shops and restaurants.

Cross Creek Ranch spans 3,200 acres in Fulshear, about 34 miles west of downtown Houston. The Johnson Development community has just released residential sites for the final 300 acres of the planned development. Like many other communities in Johnson, residents can access an extensive set of amenities, including multiple swimming pools; disc golf; a dog park; playgrounds; and tennis, pickleball, basketball and wallball courts, as well as four schools. Buyers can access a price range from $280,000 to around $1 million, plus a seniors’ quarter.

Cross Creek Ranch ranked 48th on the RCLO’s list of best-selling communities with 457 homes sold, a 10% drop from the previous year. The decline is the result of builders selling off available homes and townhouses, Rob Bamford, senior vice president and general manager of Cross Creek Ranch, said in a statement.

“The good news is that in 2022 we are opening new sections at Cross Creek Ranch that will make the wide variety of homes available to the community,” Bamford said.

Elyson, a 3,642-acre community along Grand Parkway and FM 529, ranked 49th with 456 sales in 2021. Sales were down 8% from 497 in 2020. Projected for 6,000 homes, Elyson is now part of Brookfield Properties following its acquisition. of Newland Communities last year. The plan includes 750 acres of parks, trails, recreation centers, waterways and open spaces. Elyson, opened in 2016, is served by Katy ISD. The location is midway between the Katy Freeway and US 290, making it accessible to job centers in West and North Houston via the Grand Parkway.

Gatineau residents react to Quebec’s threat of a tax on non-vaxxed https://lost-worlds.com/gatineau-residents-react-to-quebecs-threat-of-a-tax-on-non-vaxxed/ Wed, 12 Jan 2022 23:14:00 +0000 https://lost-worlds.com/gatineau-residents-react-to-quebecs-threat-of-a-tax-on-non-vaxxed/

Gatineau residents are reacting to Quebec’s controversial plan to tax the unvaccinated.

Lance Peckham says he supports the new tax on Quebecers who refuse to be vaccinated against COVID-19.

“I think it’s a great idea. We pay taxes on alcohol and cigarettes – why not?

Quebec Premier François Legault announced on Tuesday that there would be a new measure for people who refuse to be vaccinated against COVID-19 for non-medical reasons. We do not know exactly how much the penalty will be, but Le Legault says it will be “important”.

Virginia Messier lives in Gatineau and says she is surprised to hear the announcement: “I thought they would take another path.

However, she says she thinks it will cause people to get vaccinated.

“Mainly for the health care system, it’s gutted, everyone’s gutted. It’s too much for them right now.”

On Wednesday, the province registered 457 more people admitted to care with COVID-19, bringing the total to 2,877 people hospitalized with the virus.

François Sauvé says the tax could help ease the pressure on the system.

“If everyone gets vaccinated, it will be easier for everyone,” Sauvé said, but wonders if the tax will become a reality.

“I know there is opposition so we’ll have to see.”

Luc St-Laurent says he has questions about the amount of the tax and its deployment.

“I don’t know, it’s complicated… but if it helps more and people get shot, that’s what we need.”

Not everyone in the province likes the idea. Marie Desjardins opposes the tax and says it will not be effective in getting more people vaccinated.

“It’s ridiculous,” she said. “We have taxes on everything in Quebec, and now they want to tax a person who is not vaccinated? I mean really!”

The Ottawa medical officer of health says she opposes the idea.

“I think it’s important to recognize the value of access to health care as a right, and something that we prioritize in Canada. So for me it would be problematic to create barriers to health care for people, ”Dr. Vera Etches said Wednesday.

Chief Medical Officer of Health Dr. Kieran Moore says Ontario does not intend to tax residents who are not vaccinated against COVID-19.

“It seems, in my mind, punitive,” Dr. Moore said. “It was only in high-risk settings that we commissioned it, and it was in long-term care facilities where we all realized the increased mortality rate, the increased risk of outcomes. (COVID-19) had to be balanced by maximizing vaccination and protection of these people.

The Government of Quebec is currently consulting the Minister of Finance and his legal advisers on the implementation of the measure.

Win and enter the storyline for Raiders, Chargers, Niners, Colts https://lost-worlds.com/win-and-enter-the-storyline-for-raiders-chargers-niners-colts/ Sun, 09 Jan 2022 10:05:00 +0000 https://lost-worlds.com/win-and-enter-the-storyline-for-raiders-chargers-niners-colts/

It’s winning and coming in for the Chargers, Raiders, 49ers and Colts.

You can’t ask for much more as the NFL wraps up its first 17-game regular season.

The brightest spotlight is on Sin City, where the winner of Chargers-Raiders takes a wildcard spot. LA is over if he loses, but Las Vegas has ways to advance to the playoffs with loss and assist.

It does not matter. It’s about moving on, whether or not it stops your longtime rival from doing it as well.

“We know what’s at stake here,” Chargers defensive lineman Justin Jones said. “We also knew what was at stake last week, so it’s the same kind of preparation and the same kind of mindset for this game. Every week is a playoff game for us. … The guys on the team know the gravity of this game. You win, you are in it. If you lose, you go home. We have known this since last week. It’s the same for us.

Brandon Staley is looking to become the fourth coach since the merger to lead the Chargers to the playoffs in his first season with the franchise. Meanwhile, Raiders’ interim coach Rich Bisaccia has done a solid job of helping the team weather any turbulence in 2021.

“All I know is we’re really excited about the opportunity that is presented to us on Sunday night,” said Bisaccia, “and we’re going to be looking to do our best and put a product on the pitch that all the Raider Nation can be proud of.

Indianapolis (9-7) at Jacksonville (2-14)

It’s hard to believe the Colts would have any concerns about a trip to North Florida given the condition of the Jaguars. But the Colts have lost five in a row to Jacksonville.

Still, Indy has a plus-16 revenue margin and Jacksonville is minus-22. The Colts have the league ground champion in Jonathan Taylor, and the Jaguars can’t stop the race.

Offering potential entertainment here: Jaguars fans host a ‘Klown out’ for the finale, in which hundreds, if not thousands, of disgruntled regulars plan to wear clown outfits for the game in hopes of persuading the owner Shad Khan to fire CEO Trent Baalke.

San Francisco (9-7) vs. Los Angeles Rams (12-4)

LA is in and takes NFC West by beating the Niners, who could again start first-round draft Trey Lance at quarterback if Jimmy Garoppolo’s damaged finger puts him on the sidelines. Garoppolo has won all five career starts against the Rams. Indeed, the 49ers have won five in a row against the Rams. Coach Kyle Shanahan is 6-3 against Los Angeles, 5-15 against the rest of NFC West.

“Yeah, they’ve got our number, at least since I’ve been here,” Rams cornerback Jalen Ramsey said. “It’s frustrating, but they have no mental control over us or anything. It’s just the way the games played out. We don’t go out there on Sunday thinking, “Oh, we’ve lost so many games to them. We go there confident.

Cooper Kupp has a shot at setting NFL single-season records for receptions and yards. Kupp has 138 catches, 11 behind Michael Thomas’ 149 for New Orleans in 2019. The Rams star’s 1,829 yards put him 135 behind Calvin Johnson’s 1,964 for Detroit in 2012. Kupp is also on the pass. become the first player to lead the league in receptions. , receiving yards and receiving touchdowns since Steve Smith in 2005. Remember, this is the first season the NFL has played 17 games.

New Orleans (8-8) at Atlanta (7-9)

If the Rams beat their Northern California competitor and the Saints beat their most historic rival, New Orleans gets the final NFC wildcard. Since Sean Payton became a coach in 2006, the Saints have won 21 of 31 games, including six of the last eight.

Watch for Saints rusher Cameron Jordan, who has 7½ sacks in his last three games. He had 11 tackles and 3½ sacks last week against Carolina.

Also keep an eye out for Falcons rookie Kyle Pitts. If he’s able to recover from a hamstring injury that limited him to two second-half snaps last week, he could surpass Mike Ditka’s record for most receiving yards by a rookie tight end. , requiring 50.

New York Jets (4-12) at Buffalo (10-6)

Buffalo’s division chore is simple: beat New York. The Bills have won three back-to-back wins and will claim their second straight AFC East title with New England winning or losing to Miami. Buffalo hasn’t won a back-to-back divisional championship for a four-year streak spanning 1988-91.

Buffalo is 9-1 this season when he scored a touchdown, 7-0 when he scored a touchdown on his first down.

The Jets have allowed a franchise record of 477 points, surpassing the 457 they gave up last season.

Caroline (5-11) at Tampa Bay (12-4)

If a quarterback can put aside the fiasco of Antonio Brown’s departure from NFC champion South Bucs, it’s Tom Brady. The seven-time Super Bowl winner is close to something he hasn’t even accomplished: leading the NFL in all four major passing categories. He leads in completed passes (456), attempted passes (682), passing yards (4,990) and touchdowns (40).

Mike Evans is the only player in NFL history to start a career with seven consecutive seasons with over 1,000 receiving yards. He enters this match 54 meters from the extension of the record.

The Panthers have lost six straight games and 11 of their last 13 games overall.

Cincinnati (10-6) at Cleveland (7-9)

Not much for this Ohio battle given that the Bengals hold the AFC North title for the first time since 2015 and the Bengals, bottom of the division in 2020, have the fewest penalties (68) and penalty yards (588). Cleveland’s grueling season ends on Sunday.

Many starters will be seated, including the two QBs, Joe Burrow of Cincinnati and Baker Mayfield of Cleveland.

Bengals spreader Ja’Marr Chase had 11 catches for 266 yards and three touchdowns last week, a rookie record.

Green Bay (13-3) at Detroit (2-13-1)

Even with the best NFL record and the only NFC weekend pass, the Packers plan to play with plenty of regulars. Matt LaFleur’s 39 regular-season wins are the most important for an NFL coach in his first three seasons, ahead of former San Francisco coach George Seifert’s 38 from 1989-91.

Aaron Rodgers, who has thrown 18 touchdown passes without an interception in his last six games, has 50 touchdown passes and just eight interceptions against the Lions in his career.

Detroit has lost five straight games to Green Bay.

Tennessee (11-5) at Houston (4-12)

The Titans want to emulate the Packers and get lonely leave in their conference. A victory over a Texans that won in Nashville earlier in the season is needed. This current streak of three in a row in the playoffs is the longest for the Titans since a seven-season streak between 1987 and 1993 as the Houston Oilers.

“I want a week off next week,” said Tennessee Pro Bowl safety Kevin Byard. “It’s the motivation to go out there and try to play our best game so we can get this week off… and… the playoffs, the AFC can kind of go through Nashville.”

The Tennessee defense has allowed 39 combined points in the last four games. The Titans are tied for ninth with 41 sacks, more than double what they did last season, and Houston gave up 42.

Seattle (6-10) at Arizona (11-5)

Despite a recent slump, the Cardinals win NFC West with one win and one loss to the Rams. Arizona are trying their first sweep of the season against Seattle since 2009. They are not afraid of being a wild card, however, after going 8-1 on the road.

The Seahawks’ most disappointing season under Pete Carroll will end without a playoff berth for the second time in just 10 seasons. But Russell Wilson can overtake Peyton Manning for the most wins in a quarterback’s first 10 seasons – both regular and playoff – with a win. Both have 113.

New England (10-6) at Miami (8-8)

The Patriots could still get the AFC seed, but need everyone in front of them to lose. The Dolphins are the only AFC East team with a home-winning record (12-9) against the Patriots in the Bill Belichick era.

New England is in a position to allow the fewest points in the NFL for the second time in the past three years. Miami WR Jaylen Waddle is one catch of 100 and two catches off Anquan Boldin’s NFL record for rookie receptions. Waddle is 12 yards from the 1000 mark.

Pittsburgh (8-7-1) at Baltimore (8-8)

One of the best, toughest rivalries in the NFL, but both teams need more help than it’s worth hoping for to get into the playoffs.

The Steelers, with Ben Roethlisberger almost certainly in his final regular season game, can do it with a win, a loss at Indianapolis, not a tie between Las Vegas and the Chargers. TJ Watt needs 1 1/2 sacks to break Hall of Fame’s 22 1/2 mark Michael Strahan in one season. Watt did so despite a significant absence this season with groin, hip and knee injuries that forced him out of two games altogether.

After five straight losses, Baltimore’s injury-ravaged playoff chances call for a win, along with losses for the Chargers and Colts and a loss or tie for the Dolphins.

Chicago (6-10) vs. Minnesota (7-9)

Bears ‘coaches Matt Nagy and Vikings’ Mike Zimmer could handle their final games, even though both have career winning records. Nagy, 5-2 against the Vikings, is 34-40, 0-2 in the playoffs. Zimmer is 71-56-1, 2-3 in the playoffs.

The Bears were planning to launch rookie QB Justin Fields, but he landed on the COVID-19 reserve list. Fields, 2-8 as a starter this year, has missed the last two games with an ankle injury.

Washington (6-10) vs. New York Giants (4-12)

The Giants have won five of the last six games in the series, but they can’t score and are reduced to untested quarterback Jake Fromm. Washington WR Terry McLaurin is 40 yards away for a second straight 1,000-yard season and made 11 catches for 107 yards against New York in Week 2.

I am 68 years old, my husband is terminally ill and his $ 3 million estate will go to his son. I want to spend the rest of my days traveling – will I have enough money? https://lost-worlds.com/i-am-68-years-old-my-husband-is-terminally-ill-and-his-3-million-estate-will-go-to-his-son-i-want-to-spend-the-rest-of-my-days-traveling-will-i-have-enough-money/ Fri, 07 Jan 2022 11:00:00 +0000 https://lost-worlds.com/i-am-68-years-old-my-husband-is-terminally-ill-and-his-3-million-estate-will-go-to-his-son-i-want-to-spend-the-rest-of-my-days-traveling-will-i-have-enough-money/ Help me please. I am a 68 year old woman married for 17 years to the love of my life. Our finances have always been separate and I signed a marriage contract acknowledging that her son will inherit his estate held in a living trust (approximately $ 3 million). I get our house and he leaves me $ 350,000 in his will.

The husband received a lump sum payment from Social Security before we met. We have always lived debt free and I have a beautiful 2020 vehicle. While I led a modest life, his health prevented us from enjoying a vacation for eight years. I look forward to traveling more in the future. My husband is terminally ill and will probably only live for a year or two. His medical bills are not my responsibility.

In 2019, we built a new house. While its exact value is unknown, I will likely free up around $ 800,000 for this asset, hoping to buy a smaller house when it dies.

I get Social Security and a pension, and I now get about $ 20,000 in total per year. I have been an ambitious saver and have now reached around $ 350,000 making a lot of money on my mutual funds. The other stocks are worth around $ 20,000 and I have a 457 account worth $ 65,000. I currently have $ 60,000 in savings and $ 20,000 in checks.

I’ve never taken a dime out of my investments, and I doubt a lot will change that would require it until I’m on my own. My husband pays our living expenses now. My goal is to enjoy the rest of my life, leaving as much money as possible to my four siblings.

Sounds pretty good to me, but I’ve taken some risk by holding my savings in stocks to earn an annual realized return of over 15% over the past decade. And I do not have long-term care insurance.

Can I expect to live my life in good financial health?

See: We’re in our late 50s and retired with less than a million dollars: “Have I taken the plunge? “

Dear reader,

I am sorry to hear of your husband’s illness. It is such a difficult experience to have. I am happy to see that you are planning your finances after his death – it will save you a lot of headaches and heartache, and give you stability and security in your old age.

To arrive at your answer, you will need to do a serious analysis of your current and future expenses. Keep in mind, however, that everything can change in a matter of years or even a year, so be flexible when planning your finances for the future.

First, make a plan (some might call it a budget), said Robert Gilliland, managing director and senior wealth management advisor at Concenture Wealth Management. Factor in any expenses you plan to spend after your husband dies, as well as inflation. You can break it down into the short term, for example one to five years, the medium term, which would be six to 10 years, and the long term, or beyond 10 years. Include your projected housing expenses and maybe plan if you’ll stay in your current home or find something smaller. Also think about health care, which is a big expense in any retiree’s budget, utilities, emergency expenses, occasional meals or entertainment, etc.

Don’t miss: Stressed about saving for retirement? Focus on your “result”

After performing this analysis, look at what are your expected sources of income. You mentioned Social Security and a pension, and you can make regular withdrawals on your investments. Compare your income to your expenses. “Once you have that number, you can figure out what the ‘reasonable’ asset withdrawal rate is to determine the excess funds available for travel,” said Gilliland.

Note on your investments: Advisors use this compartmentalized approach with investing, in which case it is common to see medium and long term needs invested with more risk. However, you do mention that your savings are taking a lot of risk right now, and you should consider speaking to a financial advisor – even the one where your money is stored – to see if this is the right asset allocation for you. If you live on a fixed income, you can’t afford to lose too much in your wallet. Diversification and the right allocation will be the keys to your success. “At the end of the day, being able to guarantee that the funds will be available to meet your needs should be the most important thing,” said Gilliland.

Also, contact the Social Security Administration office to start planning for other potential benefits you may be entitled to, such as widow’s allowance, said Jude Boudreaux, Certified Financial Planner and Planning Center Partner. . As a result, you might even receive more money each month, depending on how much your survivor benefit exceeds your personal benefit, and it doesn’t hurt to start figuring out the benefits or the numbers now. You may be on hold with the Social Security Administration for hours when you call, but it will be worth it. Here is more information on SSA survivor benefits.

See: read the MarketWatch column “Retirement hacks” for practical advice for your own retirement savings journey

You mentioned that you did not have long term care insurance. This can be quite costly, especially since you are a bit older than the typical “ideal” candidate (counselors often suggest that people start looking for long term care insurance in their 50s). This may make sense to you, so it doesn’t hurt to research certain policies, but be aware that there are other options for you as well, such as hybrid policies that might give you long term care and benefits. possible advantages. death benefit for your brothers and sisters. Some annuities also have long term care endorsements, but you should carefully review these products before you begin. Here is a complete guide to long term care insurance that you can consult.

This isn’t financial advice, but it’s important nonetheless – stay active and take your health seriously. Take long walks, try to maintain a healthy diet, and keep in touch with loved ones now and after your husband dies. These little daily activities make all the difference in the good old days.

Also see: The millions you save for retirement aren’t worth much if you’re not healthy enough to enjoy them

Here are some other suggestions. Gilliland said he always recommends taking a year before deciding whether or not to move after losing a spouse because this time is so emotional and people can make decisions they ultimately regret.

You might want to start doing math now and ask your husband for advice. You mentioned a marriage contract, but that does not prevent someone from giving a gift to their spouse during the marriage. If the trust you are referring to is an inter vivos or revocable trust, your husband could give you money now without tax consequences while he is alive. Of course, this may sound like a sticky situation and this suggestion is by no means meant to cause drama between you and your husband and your son, but it doesn’t hurt to ask your husband what he thinks about it. . , Boudreaux said. “It is worth exploring.”

At the end of the day, you seem very conscientious about your finances, and that will definitely help you down the road. Just try to think of everything you will need, financially or otherwise, so that you are not caught off guard when your husband passes away. And make sure he and you have multiple conversations about what he thinks you should know after he’s gone – from bank account passwords to the little chores he can normally do around the house.

I wish you good luck.

Readers: Do you have any suggestions for this reader? Add them in the comments below.

Have a question about your own retirement savings? Write to us at [email protected]


Mankato to remove 50 ash trees around schools | Local news https://lost-worlds.com/mankato-to-remove-50-ash-trees-around-schools-local-news/ Wed, 05 Jan 2022 11:21:00 +0000 https://lost-worlds.com/mankato-to-remove-50-ash-trees-around-schools-local-news/

MANKATO – As the killer ash borer nears Mankato, city officials and the Minnesota Department of Natural Resources are working together to remove 50 trees along sidewalks leading to local schools.

Preventive removal is carried out in the hope that the trees will die in the years to come. Removing trees before they succumb to the emerald ash borer, which makes ash trees brittle and susceptible to dropping large branches, is a safety measure, said Justin Lundborg, natural resources specialist for the city.

Replacing ash trees with other species now means setting up new shade trees for the courses.

“The project is to increase the safety of our busiest public sidewalks,” said Lundborg.

The $ 48,000 project will increase the city’s planned ash disposal by 25% in 2022, for a total of 250 trees. A grant from MNR will cover $ 32,500 of the cost, with the city providing the remainder.

The 50 trees to be felled, which must be within three blocks of a school, are currently being identified and removal is scheduled for this winter and spring. Quality ash trees will be spared and will be considered for chemical treatments that can ward off invasive species.

“It’s just trees that are already in decline, that have bad structure, bad health, things like that,” he said of the removals.

Mankato planned to remove 200 trees this year, a goal that will continue for years to come in hopes of avoiding mass mortality once the emerald ash borer comes in in full force – something that could be beyond the capacity of EMS departments. trees to watch while also hammering the city budget.

The municipal authorities hope to save the best ash trees on the boulevards of the streets and in the municipal parks with the chemical treatments from next summer. But because of the cost of the insecticide, which may be needed as long as the trees live, the plan is to limit treatments to around 350 trees.

Mankato has approximately 2,500 ash trees on boulevards, in parks and on other landscaped municipal lands. So even at 200 tree cuts per year, there is a decade of work to be done.

Lundborg said the city will monitor other grants offered by state and federal governments in hopes of working at a faster pace.

“Anything we can do to increase the numbers and reduce the costs that interest us,” he said.

Lundborg is not resigned to the possibility of the emerald ash borer being discovered at Mankato this year, although it has now been identified as close as St. Clair and has been found in virtually every direction from Mankato.

“We’re crossing our fingers,” he said.

But the city will operate on the assumption that the beetles have arrived, ceasing the ash tree logging in May. The beetles are active during the summer months, so moving the ash wood to a disposal site could then inadvertently give the beetles – which cannot travel great distances on their own – a free elevator into the neighborhoods. not infected.

The goal is to remove the allotment of doomed trees by May, with the fall set aside for chopping stumps and replacement trees planted the following spring, Lundborg said. The insects go dormant again in October, so other tree removal could resume if work is not completed by May.

The emerald ash borer, native to Asia, is believed to have entered North America on imported wood products in the 1990s and has since spread to around 30 states.

It was first detected in 2009 in Minnesota, which has around 1 billion ash trees.

A joint US Forest Service and Ohio State University study of 457 ash plots in Michigan, Ohio and Pennsylvania found that more than 99% of trees had died within six years of a borer infestation ash.

5 ways to reset your retirement savings and save more money in 2022 https://lost-worlds.com/5-ways-to-reset-your-retirement-savings-and-save-more-money-in-2022/ Mon, 03 Jan 2022 13:42:02 +0000 https://lost-worlds.com/5-ways-to-reset-your-retirement-savings-and-save-more-money-in-2022/

Review contributions to the workplace pension plan

Contribute to traditional or Roth accounts – or both

One decision is to put pre-tax money in a traditional 401 (k) plan or workplace or to put after-tax dollars into a Roth account. A rule of thumb to help you make this decision is your age and income, with younger people being more likely to be in a lower tax bracket today than later.

“They may recommend that you put everything in a Roth, especially if you’re in a lower tax bracket and tax savings really aren’t that important to you right now,” said Kamila Elliott, president of Grid 202 Partners and Chairman of the Board of Directors of CFP. . “If you’re in a higher income bracket, maybe having pre-tax savings could help.”

Increase automatic contributions to accounts

Whether you’re investing money in a Roth 401 (traditional k or Roth), experts advise you to review your automatic contributions. Try to increase them by 1% to 2%, or at least enough to get your business matching contribution, even if you can’t fund the account fully.

Do your best to get the right employer.

Kamila Elliott

Chairman of Grid 202 Partners and Chairman of the Board of Directors of CFP

“For some people, $ 20,500 is overkill,” Elliott said. “It’s a big goal to have, but they can’t achieve it.”

If you can’t reach the maximum contribution limit, she said, “do your best to get the equivalent from the employer, then go slowly.”

Check out target date funds for easy rebalancing

Plus, take the time to rebalance your portfolio so you don’t take on more or less risk than you want or need, financial advisers say. With the S&P 500 Index climbing nearly 27% in 2021, many investors may have a higher percentage of their retirement money in stocks than they expected to help them meet their retirement goals. .

Young recommends investing in a target date fund that gradually shifts assets from stocks to bonds as you approach retirement or when you need cash. “It adjusts for you and ensures that the level of risk is appropriate,” he said, adding that target date funds are a “unique way to invest and not have to worry about so much. things in the future “.

Evaluate options for old 401 (k) money

And for people changing jobs, if you still have 401 (k) money with a former employer, you can leave the funds there, but you might want to consider transferring them to a 401 (k). with a new employer or in an Individual Retirement Account. Don’t cash it or you’ll face a potentially large tax impact and you’ll pay a penalty, depending on your age, Young warns.

Plus, for new contributions to Traditional or Roth IRAs, you can contribute up to $ 6,000 this year, like last year. And, if you are 50 or over, the maximum contribution is $ 7,000. If you haven’t made an IRA contribution in 2021, you have until the April tax filing deadline to do so and it counts for last year.

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TO VERIFY: “Net worth is nice to follow,” says CFP, but if you want to build wealth, pay attention to this first with Acorns + CNBC

Disclosure: NBCUniversal and Comcast Ventures are investors in Tassels.

The increasingly popular Croatian sparkling wines most sought after in Germany https://lost-worlds.com/the-increasingly-popular-croatian-sparkling-wines-most-sought-after-in-germany/ Fri, 31 Dec 2021 01:10:55 +0000 https://lost-worlds.com/the-increasingly-popular-croatian-sparkling-wines-most-sought-after-in-germany/

December 31, 2021 – Croatian wines are extremely popular around the world and it’s not really new, but what about Croatian sparkling wines? It seems that the Germans have a real taste for it, much of it being exported there.

As Poslovni Dnevnik / Marta Duic writes, according to the Croatian Chamber of Commerce (HGK), in the first nine months of this year, Croatian winemakers exported 403 hectoliters of sparkling wine worth 870,000 euros.

The main wine markets were Germany, where 122 hectoliters worth € 471,017 went, followed by the Netherlands, then neighboring Bosnia-Herzegovina and Slovenia. A year earlier, when evaluating the first nine months, exports were slightly higher, totaling 457 hl for a massive amount of 1,173,292 euros.

Growing demand…

Belje winery is aware that Croatian sparkling wines are an important export asset, and this week this winery launched a premium sparkling white wine – La Belle Grand. As they say from there, their new sparkling wine is a brut style wine, which is one of the most sought after in the world, and is characterized by “beautiful pearls” of many small bubbles.

“This summer, we installed a new line and new equipment for bottling Croatian sparkling wines in our cellar at extremely short notice, in order to expand our range and meet the growing market demands for this category of wine. wine. La Belle Grand is our first sparkling wine made only for the holiday season this year. With him, we are celebrating the end of the year when we won 52 medals, ” emphasizes Marijan Knezevic, responsible for wine development at Vina Belje. Another new brand on the market is Slavonian Enosophia from Fericani.

“In the first year of Enosophia’s existence, we have achieved very good results. Although we have only been on the market since July, we have distributed nearly 16,000 bottles of sparkling wines. For next year, we plan to produce and distribute a total of 77,000 bottles of sparkling wines, Nice to see you, Today Blance and Today rose. Enosophia is a brand that focuses on the combination of innovative technologies and traditions in the development of new flavors. We create light and modern Croatian sparkling wines, produced using the Charmat method and following market requirements, ” explained Martin Kovacevic, head oenologist of the Enosophia winery. Their Nice to See You sparkling wine is a combination of Chardonnay and Pinot Noir, and Today blanc is made from the much loved and well-known Croatian variety Grasevina.

“We are currently present in 50 points of sale, that is to say in restaurants and other catering and hospitality establishments. In the first year, we mainly focused on presenting the brand here in the Croatian market, but despite this we have already achieved positive results in terms of exports. Enosophia was launched in the Japanese market with the sparkling wine called Nice to See You and we hope this trend continues in the future. Our Croatian sparkling wines under the Feravino brand have also found their fans in many European countries, such as Belgium, the Netherlands, Switzerland and countries in the nearest region, ” Kovacevic added.

As he explained, their Today white sparkling wine is primarily intended for retail sale, while in the HoReCa channel it is marketed as a “welcome wine” or as a wine for making cocktails. Nice too see you is also available through the HoReCa channel, but can also be purchased through the Enosophia brand website. “As for our plans for 2022, we plan to present the second Today – Today rose, which will be produced from the Frankovka grape, which is the most represented in our vineyards,” revealed Kovacevic.

Novi Vinodolski’s Pavlomir wine house also has some export assets to its credit, producing four top-class Croatian sparkling wines, an impressive 15,000 bottles per year.

For more information, see Made in Croatia.

Are you planning to retire by the end of 2022? Here’s what you need to do now https://lost-worlds.com/are-you-planning-to-retire-by-the-end-of-2022-heres-what-you-need-to-do-now/ Wed, 29 Dec 2021 23:30:56 +0000 https://lost-worlds.com/are-you-planning-to-retire-by-the-end-of-2022-heres-what-you-need-to-do-now/

Inti St Clair / Getty Images

If you’ve put in decades of hard work and are now only a year away from retirement, you’ve probably been planning this transition for years. Even so, you’re going to want to sprint to the finish line without making a mistake. Thanks to the economy, the pandemic, and all the other forces bracing for 2022, you’ll want to make sure you have your ducks in a row before you jump into your golden years.

Are you planning to retire at the end of 2022? Here’s what the experts want you to focus on over the next 365 days.

See: Breathtaking statistics on the state of retirement in America
Find out: Here’s exactly how much savings you need to retire in your state

Be aware of the “catch-up” contribution limits in 2022

If you plan to make additional contributions to your pension plans this year before you start cashing out, be aware of the limits for 2022.

“Special catch-up contributions are allowed for people aged 50 and over to help them build up their retirement savings as they approach their retirement date,” said Jay Shah, president of Personal Capital.

In 2022, the contribution limit for 401 (k), 403 (b), most 457 plans and savings plans will increase from $ 19,500 to $ 20,500. The catch-up contribution limit for these accounts remains unchanged at $ 6,500, meaning those 50 and over can contribute up to $ 27,000 in total. IRA contributions are still capped at $ 6,000 with a catch-up contribution limit of $ 1,000, and SIMPLE plan catch-up contributions will remain unchanged at $ 3,000.

Aim to save 10 times your pre-retirement income

There isn’t a single amount of money to save that is right for everyone, but if you’ve got a decade off your paycheck, you’re in good shape.

“The amount you need to have in retirement savings will vary depending on your lifestyle expectations and living expenses, but as a general rule, aim to save 10 times your pre-retirement income when you retire.” , said Melissa Ridolfi, senior. Vice President of Retirement and Cash Management at Fidelity Investments.

Look: $ 1 Million Isn’t the Standard Egg Nest anymore – here’s how much most Americans think you really need to retire

Your budget should include discretionary spending

You want to be able to enjoy your golden years, so make sure your budget includes wiggle room for “fun” expenses in addition to basic essentials, like accommodation, medical bills, and food.

“Try to quantify what you think you need for retirement and don’t forget to include discretionary elements like travel,” said Daniel Fan, senior managing director and head of wealth planning at First Foundation Advisors.

Check that you actually have enough resources to retire

You might think you’re ready to retire, but it’s important to double-check your finances and your retirement plan to make sure you’re truly financially ready to exit the workforce.

“Typically, you don’t want to withdraw more than 4% of your accounts in order to meet your retirement goals, so determine if that’s possible,” Fan said. “The best way to determine if you have enough resources and how much you may need to save is to have a financial planner create a cash flow analysis for you. “

Remember that retirement planning is not linear

When planning for retirement, plan to adapt and change from year to year, whether you plan to or not.

“A linear approach to calculating finances ignores the real complexity of topics such as inflation and investing behavior which can change dramatically over time,” said Daniel Ruppel, senior financial planner at TIAA. “A financial plan must consider how these things can change from year to year and how a family’s goals can be affected. For example, a series of negative investment returns in the early years of retirement can have a big impact. An approach that even assumes a conservative positive return every year is unrealistic. “

More: Almost half of seniors expect to work after retirement, but there might be a better option

Pay your debts first

Ideally, you will retire debt-free.

“The more debt you put into retirement, the harder it will be to meet your retirement goals, so try to pay off as much debt as possible,” Fan said. “If you have a large mortgage, you might want to consider downsizing to pay off the mortgage as much as possible. “

Have a spending strategy

When you first start out, 10 times your paycheck might seem like all the money in the world – but without a plan, big piles of money have a way of turning into little piles of money very quickly.

“It’s important to have a strategy to spend your savings wisely,” said Amy Richardson, CFP, financial planner at Schwab Intelligent Portfolios. “A good rule of thumb is to use guaranteed income – social security, retirement payments, annuities, etc. – for essential expenses such as housing, car loans, food and utilities. Pay for optional expenses like vacations or gifts to grandchildren with less reliable sources of income like stock dividends and distributions from mutual funds and ETFs.

Consider medical expenses before taking early retirement

While it may be attractive to leave the workforce before you turn 65, it can come at a significant additional cost.

“If you want to retire before age 65, make sure you have enough resources to pay for medical insurance because you won’t be eligible for Medicare yet,” Fan said. “These costs can be substantial, especially if you have to pay for coverage for other family members.”

Read: 14 key signs you’ll run out of money in retirement

Know your minimum distribution requirements

You may have enough money to keep your 401 (k) growing, but you are required by law to start withdrawing money at a certain age.

“The minimum required distribution rules vary depending on your date of birth,” said Barbara Friedberg, MBA, MS, founder of Robo-Advisor Pros. “Familiarize yourself with them, because the penalties are severe for those who do not meet the deadlines. Also check out IRS.gov’s COVID information to determine if this will impact your RMD. “

Have a plan to claim social security benefits

Another great choice is when, exactly, you plan to apply for Social Security – just because you’re eligible to start receiving checks doesn’t mean you shouldn’t wait if you can.

“It is important that people approaching retirement understand the impact that certain social security decisions can have on retirement preparation,” said Ridolfi. “For example, the longer you can wait to claim Social Security, the more time you have to save. If you can afford it, waiting until you are at least entitled to full Social Security benefits – between the ages of 66 and 67 – can help increase your monthly benefit. If you can delay applying for Social Security benefits until age 70, your benefits may increase by 30% of what they would have been if you had applied at age 65.

Review your designated beneficiary designations

A new change in the law makes planning even more important for your beneficiaries, especially if you have heavy assets.

“Investors who are saving for retirement or those who are already retired should be aware that the recently passed SECURE law changed the laws regarding distribution options for named beneficiaries on retirement accounts,” said Leslie Geller , Wealth Management Strategist at Capital Group. “Beyond making sure you’ve named the beneficiaries, now is the time to review those designations due to the new 10-year distribution rule for Inherited IRAs that apply to most beneficiaries other than the spouse. This is particularly relevant for investors who have large retirement assets. “

Save more: tips for saving ordinary people who are sitting on millions

Make sure you are mentally prepared to retire

You might have all of your financial troubles in a row, but it’s just as important to be mentally prepared for what this transition means.

“Since most of us derive the social and psychological benefits of work, before we retire, carefully consider how you will meet these important needs after retirement,” Friedberg said. “You might not be ready to retire if you don’t have some ideas on how you’ll be spending your time in retirement. Since jobs for older Americans can be hard to find, take your time before deciding to retire and consider taking a month or two of vacation and trying out your retirement lifestyle.

More from GOBankingTaux

Andrew Lisa contributed to the writing of this article.

About the Author

With eight years of personal finance experience at GOBankingRates, Jaime Catmull has amassed an extensive network of influencers and financial experts. Now she’s tapping into this network to get the real scoop on how you can live your best financial life and increase your wealth.

NFL DFS, Saints vs Dolphins: Top DraftKings, FanDuel Fantasy Football Daily Picks for Monday Night Football https://lost-worlds.com/nfl-dfs-saints-vs-dolphins-top-draftkings-fanduel-fantasy-football-daily-picks-for-monday-night-football/ Mon, 27 Dec 2021 14:25:18 +0000 https://lost-worlds.com/nfl-dfs-saints-vs-dolphins-top-draftkings-fanduel-fantasy-football-daily-picks-for-monday-night-football/

Monday Night Football will feature two 7-7 teams fighting for their playoff lives when the New Orleans Saints host the Miami Dolphins. Both franchises came back from the dead, with Miami claiming six straight wins after starting 1-7, while the Saints shut out the high-powered Buccaneers last week to return to .500. Both teams relied on defensive dominance to get back into the chase, so which NFL DFS clashes should you target?

New Orleans still struggle to find their offensive identity in the post-Drew Brees era, while Miami has promising young playmakers on their roster but struggles to be consistent. Who should you target for your Holy vs. Dolphins NFL DFS, and what NFL DFS games can you tap into in a game where the over-under is only 37.5 points? Before locking in the NFL DFS picks for Saints vs. Dolphins, be sure to check out NFL DFS tips, strategy and projections from SportsLine Fantasy Daily Expert Mike McClure.

McClure is a legendary professional DFS player with nearly $ 2 million in career earnings. Its methodology has led to huge gains on FanDuel and DraftKings. He won two high stakes tournaments on FanDuel in 2020 and recorded a pair of top 10s in tournaments with over 130,000 entrants on DraftKings. His rosters also finished in the top 1% in more than a dozen other tournaments last season.

It uses a powerful prediction model that simulates every snap of NFL action, taking into account factors such as games, statistical trends, and injuries. This allows him to find the best DFS values ​​that he only shares with SportsLine members.

Now McClure has turned his attention to Dolphins vs. Saints and locked his best daily fantasy football picks. You can only see them by going to SportsLine.

NFL DFS Top Picks For Saints vs. Dolphins

One of McClure’s top picks in the NFL DFS for Monday Night Football is Saints running back Alvin Kamara. Despite missing four games this year, Kamara continues to produce at a high level. He ran for 668 yards and four scores while catching 38 passes for 348 yards and four more touchdowns.

Kamara was named to his fifth Pro Bowl earlier this week and continues to be one of the most versatile running backs in the game. He leads the NFL running backs in target share (20.4%) , which means he remains heavily involved in the game plan regardless of how the game unfolds.

McClure’s optimal NFL DFS strategy also includes the lineup of Dolphins wide receiver DeVante Parker. The former first-round pick and 1,000-yard single receiver has proven he can produce when he’s healthy.

So far in 2021, he’s only played seven games, but he still has 34 catches for 457 yards and two touchdowns. Parker has been targeted at least seven times in six games and has had at least four receptions for 40 yards in the seven games he has played this year. Even with Jaylen Waddle potentially dropping off the COVID-19 roster, expect quarterback Tua Tagovailoa to stare at the veteran on the outside of the receiver often.

How to set the NFL DFS lineups for the Saints vs. the Dolphins

McClure is also targeting an undervalued player who is set to explode in large numbers in Monday Night Football. This choice could be the difference between winning your tournaments and cash games or coming home with nothing. You can’t see who it is here.

So who does Mike McClure put in his optimal NFL DFS rosters for Monday Night Football? Visit SportsLine now to see the optimal NFL DFS picks, rankings, tips, and stacks, all from a daily fantasy expert with nearly $ 2 million in earnings, and find out.

Singapore Stock Exchange Green Light for Friday Trading https://lost-worlds.com/singapore-stock-exchange-green-light-for-friday-trading/ Fri, 24 Dec 2021 00:03:44 +0000 https://lost-worlds.com/singapore-stock-exchange-green-light-for-friday-trading/

(RTTNews) – Singapore’s stock market ended higher in three straight sessions, rallying nearly 25 points or 0.8% along the way. The Straits Times Index now sits just above the 3,095 point plateau and it could extend its gains on Friday.

Global forecasts for Asian markets are optimistic about easing worries about the virus, rising crude oil prices and strong economic data. European and American markets were on the rise and Asian markets are expected to open similarly.

The STI ended slightly higher on Thursday following gains in financial stocks, real estate stocks and plantations.

For the day, the index rose 9.30 points or 0.30% to close at 3,096.81 after trading between 3,090.25 and 3,104.18. The volume was 878.5 million shares valued at S $ 515.8 million. There were 265 winners and 169 decline.

Among assets, Ascendas REIT fell 0.34%, while CapitaLand Integrated Commercial Trust and Mapletree Commercial Trust both gained 0.51%, City Developments jumped 0.76%, Comfort DelGro climbed 0, 74%, Dairy Farm International jumped 2.23%, DBS Group grew 0.37%, Genting Singapore grew 0.66 percent, Hongkong Land grew 1.17 percent, Keppel Corp rose 0.39 percent, Mapletree Logistics Trust added 0.54 percent, Oversea-Chinese Banking Corporation collected 0.44 percent, SATS accelerated 1.32 percent, SembCorp Industries lost 0.50 percent , Singapore Airlines rose 1.45 percent, Singapore Exchange rose 0.11%, Singapore Press Holdings lost 0.43%, Thai Beverage fell 0.75%, Wilmar International rose 1.50 % and Yangzijiang Shipbuilding, Singapore Technologies Engineering, United Overseas Bank and SingTel remained unchanged.

Wall Street’s lead is positive as major averages opened higher on Thursday and remained comfortably in the green throughout the session, ending near all-time highs.

The Dow Jones jumped 196.67 points or 0.55% to close at 35,950.56, while the NASDAQ climbed 131.48 points or 0.85% to close at 15,653.37 and the S&P 500 rose 29.23 points or 0.62% to end at 4,725.79. For the holiday week, the NASDAQ climbed 3.2%, the S&P improved 2.3% and the Dow Jones gained 1.7%.

Mitigation of concerns about the Omicron variant of the coronavirus has contributed to Wall Street’s continued strength, as separate studies have indicated that the new strain poses a lower risk of serious illness and hospitalization than the Delta variant.

Traders have also reacted to a plethora of economic data, including a Department of Labor report showing that the first claims for unemployment benefits in the United States remained stable last week. In addition, the Commerce Department said new orders of manufactured durable goods in the United States rose much more than expected in November.

Meanwhile, the Commerce Department also noted a continued acceleration in the pace of growth in basic consumer prices last month, and also that new home sales have skyrocketed.

Crude oil futures took gains to a third day in a row amid hopes over the outlook for energy demand as concerns over the Omicron variant of the coronavirus faded. West Texas Intermediate crude oil futures for February ended up $ 1.03 or 1.4% at $ 73.79 a barrel.

The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.