Dumb Little Man

NOVEMBER 2, 2017

Retirement. The idea of retiring and running out of money can be scary, particularly for someone who’s not prepared. It’s the fact that there’s no hard formula to help you know how much money you need to prepare for retirement. In reality, life insurance can offer more as long as you’re able to pick the right type and utilize it in your retirement income plan. Now, you’re probably wondering: How do I utilize life insurance for my retirement planning?

Retirement 162

Retirement 2017 Expenses Credit Card 162

Dumb Little Man

MARCH 22, 2017

Are you saving for your retirement? If you haven’t been able to start saving for retirement, you are not alone. The importance of saving for your retirement cannot be overemphasized. Saving for retirement is not optional; it is something that everybody ought to take seriously. If you’re interested to know the best way to save for retirement, below are simple hacks you can try. Simplify your retirement savings by placing it on auto pilot.

Retirement 162

Retirement 2017 Expenses 2016 162

Small Business Labs

JULY 6, 2010

Blog powered by TypePad Member since 01/2005 « Non-Mortgage Debt and Working in Retirement | Main | Foreign Born in the U.S.  discusses the increasing and hidden costs of manufacturing in China, resulting in manufacturing in the U.S. becoming more cost effective.

2010 254

2010 2020 Retirement Policies 254

On The Job

SEPTEMBER 9, 2011

Many in the baby boomer generation had planned on retiring by now. You've got people who are worried that if they live 30 years past retirement, will they be able to support themselves? I'm a baby boomer, and was raised by a mother who suffered a lot during the Great Depression.

2011 188

2011 Retirement Medical Health 188

Small Business Labs

JULY 28, 2011

" The article goes on to list 21 workplace benefits that are going away, with reductions in retirement and health care benefits leading the way.    People think employer benefit replacement costs are higher than they are, or that certain benefits can't be replaced when they can.    We've also found employer retirement and health benefits tend to be the most valued - and overvalued - in the evaluation process. 

2011 124

2011 Retirement Health 124

Small Business Labs

MAY 10, 2010

  It costs $79 a year to subscribe. GigaOm is trying to fill a need for timely, high-quality yet low cost data and commentary on emerging technology.    First off, this is a business expense so my after tax cost is quite low. 

2010 142

2010 2020 Retirement 2011 142

Small Business Labs

OCTOBER 7, 2010

  As part of the sale, they agreed to pay $10 million in post acquisition costs and cover employee pension liabilities.

2010 198

2010 2020 Retirement 2011 198

Dumb Little Man

OCTOBER 16, 2019

With many of us held captive to large student loans and ever-increasing living costs, it isn’t uncommon to find ourselves with $5 left in our bank accounts at the end of the week and with little to show for it. If the cost-per-use is pretty high, then unsubscribing is a safe bet.

2019 226

2019 Retirement Expenses Credit Card 226

Men With Pens

DECEMBER 6, 2009

Time to think about the retirement fund.&# “We get to retire? No one ever told me that…&# We both know there’s no retirement fund in what we do. Businesspeople understand investment, as opposed to cost. Prices always tend towards marginal costs. But when Deb mentioned the words ‘retirement fund’ and I actually barked a laugh, I started to think. (A I am retired now, a blogger, paid by Adsense and affiliate revenue.

2009 56

2009 Retirement Salary Salary 56

Eat Your Career

AUGUST 26, 2019

When you’re proactive, you keep your car running smoothly and prevent costly repairs. It’s like waiting to put your seat belt on until you see an accident about to happen or waiting until the day you retire to start saving for retirement.

2019 197

2019 Retirement Stress Learning 197

On The Job

APRIL 1, 2008

Much has been made of the fact that baby boomers will be retiring in droves, leaving the field as worn-out warriors with their outdated ideas. First, there is the economic necessity to remain working , especially with the increasing costs of just going to the grocery store, the floundering stock market and of course, the housing debacle. In fact, according to author Tamara Erickson who just completed a book on retirement, GenYers like having boomers around.

2008 100

2008 Lifestyle Gifts Retirement 100

Tips From T. Marie

SEPTEMBER 19, 2019

It offered other businesses the opportunity to take advantage of highly skilled support when they needed it, without employee overhead costs. It’s no longer common for someone to hold one job with the same company until retirement.

2019 156

2019 2018 Retirement 2007 156

Eco-Office Gals

MARCH 6, 2019

Have A Retirement Plan. As an entrepreneur whose aim is to limit tax deductions contributing to a retirement plan is a good idea. A retirement plan will help you save some money because the plan will provide you with a tax deduction for the contributions.

2019 130

2019 Retirement Payroll Expenses 130

Small Business Labs

OCTOBER 30, 2017

The new migrants are often choosing this as a lifestyle or doing it to supplement their retirement.   Mostly older, workampers are often workamping to fund or augment their retirement. This makes picking up part-time or seasonal work a good way to add to retirement income.

2017 186

2017 Retirement Lifestyle Travel 186

Dumb Little Man

FEBRUARY 6, 2020

On the other hand, long-term goals include a house mortgage, a car loan, retirement funds, as well as the education cost of your children. Since we’re kids, we’ve been told that men are breadwinners.

2020 203

2020 Finance 2018 Expenses 203

Dumb Little Man

FEBRUARY 22, 2019

Starting a family – As of 2017, the average cost of raising a child from birth to eighteen years old was $233,610. Retirement – One excellent piece of financial advice is to start saving for your retirement as early as you can.

Expenses 188

Expenses 2019 Management Budget 188

Dumb Little Man

MAY 6, 2019

401(k) plans are great ways to save for the future and by adding an extra 1% of your paycheck you can boost the amount you’ll take when you retire significantly. One simple way of cutting costs and saving money is the test of need versus want. Saving money is more important than ever.

2019 220

2019 Retirement Holidays Expenses 220

Small Business Labs

SEPTEMBER 24, 2013

These plans promise an organization's employees a specified retirement benefit that's determined by a formula based on some combination of an employee's earnings, length of time with the firm and age.   Defined benefit retirement plans have almost disappeared in the private sector due to their overall costs and the unpredictable nature of their costs. These plans reduce costs and limit company risk.

Health 137

Health 2013 2018 Retirement 137

Small Business Labs

OCTOBER 30, 2014

Key quote: Massive student loan debt, stagnant wages, increased cost of childcare and a lack of adequate health insurance benefits may have brought an end to the American family as we once knew it. Average childcare costs has risen to $12,000/yr [ Pew Research ], causing a dramatic increase in new stay-at-home moms, as it is more cost-effective for many woman to stay at home than work a part-time or full-time job.

2014 184

2014 Retirement 2008 Health 184

Small Business Labs

APRIL 11, 2012

  One of the more interesting market opportunities we heard about was supporting aging boomers and seniors wanting to stay in their homes instead of moving to a retirement community or assisted care facility.  The cost of retirement communities and assisted living continues to increase. We recently attended the Boomer Summit , a conference focused on the business opportunities being created by aging baby boomers.

2012 137

2012 Retirement 137

Dumb Little Man

NOVEMBER 5, 2019

It can lead to increased costs for the companies they leave behind. Turnover cost businesses $600 billion in 2018 alone. While wages were up 3.1%, the cost of living has been outpacing wage growth by 14% on average.

2019 165

2019 2018 Retirement Medical 165

Dumb Little Man

JANUARY 3, 2017

Financial security and planning can help us achieve the life goals we have set for ourselves such as purchasing a vehicle, a house, funding your children’s education and marriage, saving up for your own retirement, and so on. Are you prepared for financial emergencies?

2017 204

2017 Medical Expenses Retirement 204

Dumb Little Man

JANUARY 14, 2020

Advisors who hide their fees or costs and then claim they don’t exist at all. Those investments frequently come at a very high cost to you, which means you’re just financing someone else’s success. See Also: Seven Top Tips for Retirement Planning.

2020 159

2020 Retirement Finance Legal 159

Dumb Little Man

OCTOBER 14, 2019

For decades, the advice was the same: Get an education, graduate, get a job, get married, buy a house, start a family, work until you are 65, and then retire comfortably. The cost of getting a college education has gone out of hand.

2019 196

2019 Training Retirement Staples 196

Small Business Labs

NOVEMBER 19, 2012

Department of Agriculture, it costs $234,900 on average to raise a kid.  By the way, these numbers do not include college costs.      Not surprising is more people are citing this cost as the key reason they aren't having kids.

Expenses 208

Expenses 2012 Retirement Finance 208

Virtual Moxie

DECEMBER 13, 2012

It’s the cost of the things that you can’t see—or, maybe better—that you don’t see all the time, that seem to get people all ajumble. Or making a contribution to a retirement account. When you were an employee, back in the day when such things were provided, you had paid time off, and possibly a match of funds into your retirement account.

2012 141

2012 Retirement Expenses 141

Dumb Little Man

OCTOBER 19, 2018

You might feel like you’re too young to be saving up for your retirement but time flies so fast and before you know it, you haven’t saved enough for your future. For example, if you are renting a house that’s too big for you or your family, you may want to downsize to reduce the cost.

Budget 267

Budget 2018 Expenses Credit Card 267

Dumb Little Man

AUGUST 5, 2016

A good health insurance plan will help you cover the cost of illnesses and many other difficulties that might affect your financial security over the course of your life. Some of the more detailed benefits of a good health insurance policy include: Protection Against Unexpected Medical Costs.

Health 172

Health 2016 Medical Policies 172

Dumb Little Man

MAY 1, 2017

Gaining financial independence won’t happen overnight, nor will it happen only by knowing how to cut costs. The really good business manager doesn’t wake up in the morning and say ‘Today I am going to cut costs’ any more than he wakes up and decides to practice breathing.” -Warren Buffett. If you cut costs, you immediately keep that money. Think about how to cut costs and which areas you can do it. I run almost every day, and it doesn’t cost me anything.

2017 161

2017 Retirement Restaurants Clothes 161

The Solopreneur Life

JANUARY 13, 2014

He worked for 40 years at BBDO, one of the nation’s largest ad agencies, and he was BBDO’s vice president when he retired. Marketing for Solopreneurs: Here’s a Powerful Tactic That Takes 4 Hours, Costs $2.20. J ohn Caples was a legendary ad executive and copywriter.

2014 232

2014 Verizon Retirement Agencies 232

Small Business Labs

MAY 7, 2013

Older workers, especially those 65 and older, face diminished traditional job prospects due to age discrimination and other issues associated with hiring older employees (increased benefits costs, etc.).

2013 235

2013 Retirement Interviewing Networking 235

Practically Perfect PA

JULY 27, 2016

There are many occasions throughout the year that we can help employers show that they care – Long Service Awards, Promotions, Christmas, Maternity and Retirements. We are chuffed to bits to be guest blogging today for the Practically Perfect PA Blog.

2016 144

2016 Gifts Retirement Budget 144

Simple Productivity Blog

SEPTEMBER 13, 2012

Our insurance agent retired, and a new man took his place. Our state implemented a new restriction on claims paid for hurricanes, and as a result our cost had gone down…but there was a much bigger deductible for hurricane-caused damage.

2012 176

2012 Retirement Policies Twitter 176

Dumb Little Man

APRIL 5, 2018

The CDC estimates that workers who smoke cost the economy almost $300 billion a year in lost productivity. Secondhand smoke, on the other hand, costs the economy $5.6 This income disparity is due to the enormous costs smokers impose on their employers. Over $92 billion in losses were reported in 2006 by employers who had to cover their employees’ healthcare costs. This statistic represents an unfathomable cost. Smoking is no longer allowed indoors.

2018 142

2018 2015 Retirement Medical 142

Tips From T. Marie

MARCH 21, 2012

The article discussed how the City of Hickory, NC proposed offering early retirement to 84 of their employees. Reading the details of what would be offered in exchange for taking the early retirement deal didn’t really strike me as a wonderful option for those 84 people., Converting an in-office worker to a telecommuting employee saves money by reducing overhead costs.

2012 122

2012 Telecommuting Retirement Attire 122

Productivity Bits

NOVEMBER 30, 2011

Retirement Benefits. Contributions to a retirement plan are usually matched by an employer, and many businesses offer pensions and other benefits to ease the transition into old age. While the self-employed can invest in a tax-sheltered, individual retirement account, there are no matching contributions made from an outside benefactor. T here is a temptation at times to lionize the self-employed for taking control of their occupational future.

2011 197

2011 Retirement Negotiating Salary 197

Virtual Moxie

OCTOBER 25, 2011

You know how much that new printer cost. But it’s the cost of the things that you can’t see—or, maybe better—that you don’t see all the time, that seem to get people all ajumble. Or making a contribution to a retirement account. When you were an employee, back in the day when such things were provided, you had paid time off, and possibly a match of funds into your retirement account. Annual indirect costs divided by billable hours/year = hourly costs 3.

2011 177

2011 Expenses Retirement Phones 177

Office Dynamics

JUNE 12, 2018

Seeking better benefits; health, retirement, education assistance or flexible schedule. I needed health insurance and retirement opportunities and wanted to stay within the industry I had most of my career experience in. Overqualified but applied anyway – NOT a desperate move.

Interviewing 165

Interviewing 2018 Retirement Skills 165

Dumb Little Man

JUNE 28, 2017

Fifty years ago, the expectation was that you would be in the same job until you retire. That’s much less people getting their retirement money and financial security from private US firms. This means less buying power despite increased cost of living.

2017 211

2017 Retirement Payroll 2020 211

Dumb Little Man

NOVEMBER 20, 2018

Also, check the parking options and costs. Other landlords may offer a portion off your rent if you’re either active in or retired from the military.

2018 217

2018 Negotiating Budget Credit Card 217

Eco-Office Gals

OCTOBER 22, 2013

There are a variety of reasons to implement such a green policy, and if you’re looking to do so, ways to do it simply and without great cost. Jessica Watts is a retired secretary and avid blogger.

Policies 158

Policies 2013 Retirement Environment 158

Dumb Little Man

AUGUST 4, 2016

We’re always being told that home replacement windows are a wise decision especially when retiring any window older than 10 years for a new Energy Star-rated window. In many cases the credit is 10% of the purchase price and in some cases includes the labor costs.

2016 175

2016 Airborne Budget Retirement 175

Dumb Little Man

JANUARY 10, 2020

In fact, romance scams cost victims seven times more than traditional online scams on average. The average cost of an online romance scam is $2600. The cost of the average romance scam for septuagenarians is $10,000. Can online dating be done safely?

2020 160

2020 2018 2016 2017 160