5 Ways to Torpedo Your Retirement ? Financial Freedom - Harris ...

Good Day,

It?s simply a miracle how some of us get to live a full retirement life with all the mistakes some us put ourselves through. A survey that was done recently found out that only a few retirees die while broke, this is good news. But I hope this will not mean that you stop paying attention to your retirement, because the laws governing retirement benefits keeps on changing every now and then, and with Social Security needing a serious review, now is the time to be extra vigilant when it comes to your retirement. There are a number of ways one can jeopardize their retirement, by the actions they either, knowingly or unknowingly, perform over the years. And as the years go by, and with the government transferring retirement contribution more and more to the individual, it is time everyone took responsibility for their own retirement, ensuring that you have what it takes to have a successful retirement. As Neal Frankle explains in the following article, there are five ways a person can affect the value of the retirement.

Couples who work hard all their lives often eagerly look forward to retirement. But working for 30 or more years doesn?t guarantee that you will be able to retire comfortably. Here are five common retirement planning errors that generally torpedo your ability to retire.

1. Too much debt.

Having debt is not the kiss of death for your retirement. But high interest debt such as credit card debt could be, especially if you can?t figure out how to get out of debt and begin saving for the future. It?s extremely difficult to invest for retirement when you are still paying off past purchases.

2. Spend your retirement savings on college.

Some couples make it a financial priority to pay for their children?s college so that they will not begin their careers with debt. However, when you tap your home equity, stop saving for retirement, or even raid your retirement accounts to pay for your children?s college, you may be sacrificing your own retirement security. On top of that, you will be missing a golden opportunity to teach your kids about money. There are a variety of ways to finance college, but you can?t take out loans for retirement.

3. No emergency plan.

Most of us are completely dependent on the money we receive from a single job. Losing that job can easily exhaust your savings and jeopardize your entire financial plan. It?s important to develop an emergency fund and plan before you hit those stormy waters. Consider taking on a second job or developing a side business to diversify your income streams in case a layoff should occur.

4. No long-term investment strategy.

Some people change their investment allocation based on the latest financial news. This can be a huge mistake. If you pulled money out of equities when the market tumbled in 2008, you also didn?t take advantage of the market recovery that has since occurred. Retirement savers need to accept that there will be fluctuations in mutual fund performance and invest for the long term. The only way to combat this type of emotional investing is to have a well thought out investment plan for retirement income that balances financial needs with emotional demands. Then you need to stick with that investment plan throughout financial storms.

5. No retirement plan.

The most dangerous mistake individuals can make is having no retirement plan. Financial plans are not set in stone and you won?t be able to foresee every contingency. But having an approximate roadmap you can follow is better than having no plan.

You can be smart, responsible, and hard-working and still end up without enough resources for a secure retirement. In order to make sure this doesn?t happen to you, take the time to put together a plan, track your spending, and don?t get into debt if you can help it. Think through your investment strategy and stick to it even when you feel tempted to change it.

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I'm an introvert, but I like to meet new people and learn new things about them, and also I like traveling to see how other people live. On the professional front, I'm in the financial field and I've always been interested in finance. View all posts by kenndungu

Source: http://kenndungu.wordpress.com/2012/09/01/5-ways-to-torpedo-your-retirement/

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Source: http://harriskelly67.typepad.com/blog/2012/09/5-ways-to-torpedo-your-retirement-financial-freedom.html

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The Towerlight ? Political activism in an age of social media

Many college students use their smartphones to check Facebook and Twitter, send text messages, check email, and log onto Foursquare to become the mayor of West Village Commons.

For thousands of youth in Egypt, their smartphones and laptops were also used to connect with friends, except for something much bigger: overthrowing their government.

Through tweets, Facebook and blog posts, they attempted to communicate about the crisis facing them from then-President Hosni Mubarak, who had been in power for almost 30 years.

?I would say the biggest example of using technology for political activism has to be Egypt,? professor of political science Joseph Rudolph said. ?There was use of technology to get hundreds of people to gather at Tahrir Square night after night to protest.?

While the United States is not in a state of crisis like the Middle Eastern countries, Rudolph said Americans will use technology to spread their particular causes, whether it be marriage equality, immigration reform or Tea Party activism.

?All it requires is a small group with access to a stage to protest,? he said. ?It will take society time to adapt and realize how technology can be used to allow transparency. Technology ultimately changes the nature of society, and we are only just getting into the potential of this age of technology.?

Samantha Hubbard, director of diversity outreach for the Student Government Association, said that while digital support of campaigns can be important, it?s not meant to be the only form of activism, especially for operations like DREAM movement, which Hubbard is a part of.

The DREAM movement promotes laws such as the recently introduced Federal DREAM Act and immigration reform in America.

?There?s a huge organization called ?United We Dream, and they do exactly what other student rights groups do, they organize,? Hubbard said. ?They use all forms organizing. They do grassroots, and they also do digital. Grassroots is the same for most people, it?s basically door-to-door canvassing.?

Hubbard said that both grassroots and digital communication have their advantages.

?If you?re part of the undocumented movement, grassroots in great, but you will need digital,? she said. ?I wouldn?t necessarily think that the people who organize on the ground work harder than people who organize via digital because you can only reach so many people canvassing on the ground.?

Hubbard said that the movement uses social networks to share the events of grassroots protests.

When she visited Los Angeles this summer on an internship, and marched on the borders in support of immigration reform, CNN interviewed her.

?And you put that picture up, people are like ?wow, the media is taking them seriously, maybe we should take them seriously,? she said.

As the 2012 Presidential Election draws near, America?s youth are not using the technology they possess for advanced political purposes, according to Rudolph.

?We become more fascinated with technology itself than the potential of the technology,? Rudolph said. ?People want to posses it more than use it, and go out and get the next best thing, and at some point you reach a technology saturation point.?

Sports management major Josh Black said he uses technology solely for personal use.

?It?s [politics] not really too interesting at this point,? Black said. ?When I?m a little older maybe I?ll care more. I should care more.?

Sociology major Bryant Coleman said he only uses technology to stay updated on current events and keeps him knowledgeable on United States politics.

?I?d say I?m a bit more into politics than the average student,? Coleman said. ?I watch at lot of MSNBC and follow stories on CNN.com and the Huffington Post. I like to know what?s going on in politics because it?s about the people who run the country. I?m interested in the dueling ideologies and how they?re falsely fought in the name of the American people.?

Over time, Rudolph said the American population will learn how to use technology to increase awareness of politics and current events.

?This technology comes with a responsibility and it?s not just about having it for fun,? he said. ?Over time, you?ll see more people becoming informed, but it?s not going to happen overnight.?

?

- Allison Brickell and Jeremy Bauer-Wolf contributed to this article

Source: http://www.thetowerlight.com/2012/09/political-activism-in-an-age-of-social-media/

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XBOX Live on Windows 8 Game Titles Announced | Video Game ...

Windows 8 being released in October 12th will be the next official release and evolution of the Windows desktop operating system.? With the popularity of gaming and Microsofts push for integration of social and mobile Microsofts integration of Xbox into Windows 8 will be an interesting and welcome experience.? Games include favourites like Angry Birds, Fruit Ninja, Pac-Man and Cut the Rope.? Of course keeping with true Microsoft Spirit these games will be exclusive to Windows 8 only.

Earlier this year Microsoft announced that Xbox is coming to Windows 8. Now, in addition to its industry-leading gaming service, Xbox is pleased to announce support from Microsoft Studios, Rovio, Miniclip, Gameloft, ZeptoLab, Glu Mobile, Halfbrick Studios, and others to bring high quality Xbox games to Windows 8.

The first wave of our portfolio will bring you many of the games you already know and love, and will include 29 titles from Microsoft Studios, some of which will be exclusive to Windows 8.

Many games will be available starting October 26^th with ongoing new releases coming through the Christmas period and beyond. This growing portfolio spans genres and delivers an innovative mix of fun-to-play titles that will be playable on any Windows 8 PC, laptop, or tablet.

Xbox games will be easy to find in the preinstalled Windows 8 Xbox Games app and available in the Windows?8 Store. In addition, all Xbox games for Windows 8 will have Xbox Achievements, and many will also take advantage of other Xbox features, including leaderboards, multiplayer modes and connecting with friends, and more. Have a look at the first wave of our portfolio:

1.??????? 4 Elements II Special Edition
2.??????? A World of Keflings
3.??????? Adera: Episode 1
4.??????? Adera: Episode 2
5.??????? Adera: Episode 3
6.??????? Angry Birds
7.??????? Angry Birds Space
8.??????? Big Buck Hunter Pro
9.??????? BlazBlue Calamity Trigger
10.???? Collateral Damage
11.???? Crash Course GO
12.???? Cut the Rope
13.???? Disney Fairies
14.???? Dragon?s Lair
15.???? Field & Stream Fishing
16.???? Fruit Ninja
17.???? Gravity Guy
18.???? Gunstringer: Dead Man Running
19.???? Hydro Thunder Hurricane
20.???? IloMilo
21.???? iStunt 2
22.???? Jetpack Joyride
23.???? Kinectimals Unleashed
24.???? Microsoft Mahjong
25.???? Microsoft Minesweeper
26.???? Microsoft Solitaire Collection
27.???? Monster Island
28.???? PAC-MAN Championship Edition DX
29.???? Pinball FX 2
30.???? Reckless Racing Ultimate
31.???? Rocket Riot 3D
32.???? Shark Dash
33.???? Shuffle Party
34.???? Skulls of the Shogun
35.???? Taptiles
36.???? Team Crossword
37.???? The Harvest HD
38.???? Toy Soldiers Cold War
39.???? Wordament
40.???? Zombies!!!

Article from Gamersyndrome.com

Related posts:

1. Microsoft Reveal New Xbox Live Feature
2. New Xbox Live Promotion Announced
3. Xbox Live Charging $800 For a Game?
4. Xbox Live Experiencing Difficulties
5. 1 vs 100 Not Coming Back On Xbox Live

Source: http://gamersyndrome.com/2012/video-games/xbox-live-windows8-game-titles/

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User:RostMcculloch61 - One Percent Toolbox

From One Percent Toolbox

Home staging is surely an exciting real-estate market which is altering the way property is marketed. Real-estate staging offers confirmed by itself being the very best purchase the owner can make in their home after they preparing their house on the market, having a money for buck Return on your investment the best. Holding is actually fast becoming read full article a necessity whenever selling a house, specifically in today's slow and also competitive real estate market.

House staging isn't home design or perhaps redecorating. Staging is a type of sophisticated real-estate marketing that involves facets of layout, landscape designs, mindsets as well as sociology all folded into an inventive science (or simply a medical art). Setting up is defined as planning a house on the market simply by enhancing the appearance of the house or even commercial area to be able to attract the best variety of potential customers. Home stagers attempt to generate an atmosphere associated with common appeal to the target customer group, helping the odds for a solid provide around the property. To put that very simply, home setting up is focused on eliminating your own stylistic affect on the property and also making it easier for your buyer to see themselves living presently there rather.

House setting up uses a number of strategies to improve the desirability of your house. The actual methods utilized to phase a home vary with respect to the specific particulars and also circumstances from the house, seller, expected customer type, housing market condition and also house value. Nonetheless, there are a few general ways which usually almost all house setting up methods share whenever enhancing the aesthetic benefit of a house.

The very first thing that must be completed in any good holding job is to de-clutter and de-personalize. What this means is to remove the particular footprint of the existing operator about the residence and change it with fairly neutral d?cor which will connect with customers. Proprietors should clean out their homes and also shift most of their own nonessential belongings in to momentary storage. This can provide them with a jump on their own bonuses predicted shift and provide a good clean and mess totally free ambiance for that residence. De-personalizing means to get rid of taste-specific d?cor and also add-ons from the house, along with any kind of individual things, this type of collections, galleries, awards as well as mementos, because these can be unbelievably annoying to potential buyers.

Given that a home is ready for improvement, owners are encouraged to redecorate using a mixture of their own salvageable home furniture or leased goods that provides out the greatest character in the home. Structure and also amount tend to be key elements of excellent setting up, since these will increase the perceived size and also features with the area. The complete colour palette should be neutralized to supply a warm, however globally appealing presence throughout the home. It is very important whenever redecorating to accommodate the desire databases associated with prospective customers, not necessarily base the actual choices about the preferences with the present owner. After all, this is the reason for residence staging! Owners must put their needs at the rear of their intend to make their home more marketable.

It is crucial to phase a home equally inside and out. Charm of the entrance is really a expression used to describe the initial effect a home makes whenever potential buyers visualize it from your street. This primary impression has been in past statistics shown to established the tone for the whole visit of the property, so it is really imperative to produce a good one! In addition, backyard area has to be ready with the exact same attention to depth as the internal of the house. Outside areas and also extra property buildings, such as garages, invitee houses and storage sheds, should all be provided with personalized interest just before itemizing property on the market.

In conclusion, it is extremely donrrrt forget to remember in order to phase your home very first then list this about the open market. This may maximize the worth of the setting up expense and definately will supply every one of the marketing and advertising excitement your property must stay ahead of your competitors. All things considered, any taking place house will appear faultless within individuals just about all so important Multiple listing service and printing advertisement photos, in addition to look wonderful when the very first brokers as well as customers arrive slamming. Being a ultimate be aware, be advised which home staging is really a risk-free investment, as it is taxes deductible in america and it is proven to generate extraordinary increases within sale value, whilst reducing time it actually takes to sell the property. Home staging going here is a profitable strategy for anyone who wants to promote their home for top level buck in the quickest moment feasible!

Source: http://onepercenttoolbox.com/wiki/User%3ARostMcculloch61

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Social media: 8 tips to help balance business ethics and risk | E ...

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Social media is fast becoming a main stream business tool for raising corporate profile,?exchanging ideas, sourcing talent, collaboration and finding new customers. But what are the legal and regulatory pitfalls you need to avoid, and what business ethics should you put in place to stay out of trouble?
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1. Use common sense

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Horace, the Roman lyric poet and satirist (65-8 BC) once said ?You can destroy what you haven?t published; once out the word can never be recalled? (?Delere licebit quod non edideris; nescit vox missa reverti?).

Before publishing anything online review what you?ve written. Unfortunately we?ve become ?sloppy? in how we write many of our business communications today, a trend which started with the use of email. There are countless cases of customers being ridiculed and colleagues insulted through the misuse of that little ?send? button. You might have regrets seconds after sending that message on Twitter but once it?s in the digital ether that?s it!
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2. Same rules apply

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Social networks, blogs, and Twitter may be new but old laws and regulations still apply. You can?t libel, send out personal information without consent, pass on company secrets, breach copyright or do anything that even considers breaking criminal and anti-terrorism laws. Even ?do-gooders? can become unstuck especially if they pass on child pornography they find on their computer to a manager for investigation!

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3. Keep customer confidences

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?Careless talk costs lives? went the old wartime slogan. ?In the same vein that no-one wants an accountant who dumps his client files into a skip after use, so customers won?t do business with a company whose employees don?t respect confidentiality. Take, for example the case of Kristine Ann Peshek, the former Illinois assistant public defence lawyer whose law license was suspended for 60 days because of her blog postings that authorities proved exposed client confidences.

Don?t blog about your customers ? ?it?s just wrong!
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4. Avoid anti-trust practices

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Think about who you are talking to and collaborating with in those LinkedIn groups and other professional networking forums. You might find yourself on the wrong side of competition laws if you form any agreements which fix markets or are anti-competitive.

If you are running an online forum, use cautionary language and disclaimers. Collaborative forums should be managed in a similar way to those of a professional or business association.

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5. Don?t oversell

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If there?s once thing that annoys me about a social networking group it?s the member who constantly bombards others with spam about their products or services. Just don?t do it ? spam is illegal anyway, and if you?re as bloody minded as me you won?t make any purchasing decisions based upon a product being thrust constantly in your face.

This doesn?t mean that you can?t solicit business, although ethical rules do prohibit some professional services from soliciting potential clients for pecuniary gain.?Merely engaging with the public in an online forum of any kind is not solicitation. If you are going to approach someone directly, do it in a personal way without spamming them!

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6. Don?t provide formal advice

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As a business professional, you need to be careful that you don?t give anyone the benefit of your advice upon which he then acts and consequently finds himself in trouble. You may end up being sued and be in breach of your industry?s own professional rules.

For example, a lawyer will refrain from giving fact-specific advice online ? and to include disclaimers in any answers they provide to consumer questions. There is a big difference between educating about law and advising about law.

You can always speak in general terms and make it clear that any advice has to be tailored to an individual?s specific circumstances following further diligence.
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7. Don?t make false statements or misrepresentations

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The online world is a major challenge to trust and confidence. You don?t know who people are, where they are, or the quality of their products and services. Building trust is a key priority for policy makers

You could be in breach of both advertising and consumer protection laws if you misrepresent yourself, your services or your capabilities.?Social media offer a powerful form of marketing, especially for young and less-experienced business professionals.

In the enthusiasm to build a business, you should be cautious not to overstate your capabilities and experience. If someone has a bad experience with you it will soon get round.
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8. Be competent in social media technology

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You don?t need to be a technology nerd to understand the application of technology on your business. Get some training on what social media technologies are out there and the risks involved in using them. Remember that governance is managed top-down throughout your organisation. Top managers, senior executives and information workers all need to understand the role social media plays across the organisation, the dangers and pitfalls involved, and the ways in which you can mitigate risk.

We can help you with compliance training.

?

Source: http://www.eradar.eu/2012/08/social-media-8-top-tips-to-help-balance-business-ethics-and-risk/

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Adaptive Sports and Recreation Breakdown August 31, 2012

The "Breakdown" features the best of the web from the recent past on adaptive sports competitions, Paralympic information, disability sport, videos, news, information and more.?

For submissions of video, sports reporting, articles, pictures and all things news worthy please send submissions for consideration to adaptivesportandrecreation@gmail.com

? ? ? ? ? ? ? ? ? ? ? ? ?Video of the day

Jessica Cox is doing some amazing things as a double arm amputee. Here she shows her skills as a pilot.

International:

North Korea's first Paralympian

Rim Ju Song is swimming to history. ?Being North Korea's first Paralympian he is breaking barriers in a country while has a history of human rights violations against all minorities. ?

Uganda's Believes Disability is a Curse

Around the world individuals with disabilities need to educate their countrymen on why they are valuable members of society. ?In Uganda that is still the case as they believe being born with a disability is a curse. ?

Ugandan Boxer with a Visual Impairment

Regardless of stereotypes this guy is training hard. ?

Who wants to get in the ring with him?

Paralympics

Online Streaming of the Paralympics Games and Results

The BBC Channel 4

? ? ? ? ? ? ? ? ? London 2012 Paralympic Opening Ceremony highlights

Drop the Word Disabled From the Paralympic Coverage

International Paralympic Committee President Sir Phillip Craven demands that the media drop the word disabled from all London 2012 coverage. ?

The Paralympic Athlete Blog (includes lots of videos)

The 12 Hottest Paralympic Athletes

MSN has put out a list of the 12 hottest Paralympic Athletes (includes men and women). ?Seems like when you train all your life for the second largest athletic event in the world you end up with a hard body. ?

Most viewed Paralympic Games Ever

The Washington Post reports that the London 2012 Games will be the most watched games to date. ?The digital age is one of the main reasons for this viewership as there are several websites to watch the games on. ?There are also a large number of major TV channels which will be broadcasting the event. ?

Eye Candy

? ? ? ? ? ? ? ? ? ? ? ? ? ? Aaron "Wheelz" Fortheringham on the Mega Ramp

? ? ? ? ? Such respect to anyone who can step up to something like this. ?Nice work!

? ? ? ? ? ? ?Chris Waddell is the first Parapalegic to Climb Kilimanjaro

The One Revolution Foundation is doing some amazing work with Chris Waddell at the helm.
When you get a chance to hear him speak you will be very motivated.

? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? Worlds First Underwater Wheelchair

Wheelchairs underwater. This engineering project is really cool.

? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? Who Says I Can't with Jothy Rosenberg

The "Who Says I Can't" Webseries follows Jothy Rosenberg as he travels around on one leg trying all kinds of different sports. ?The website and youtube channel have lots more to see. ?

Humans

From Iraq to US Open ball person

Ryan McIntosh is one wounded warrior who is not letting life slow him down. ?He lost a leg in Iraq and is now staying active on the court.

Amy Prudy (Snowboarder and Double Amp) and Daniel Gale on the Amazing Race

The Amazing Race is a US TV show where team travel around the world to do fun challenges and have to not finish last or get eliminated. ?Amy Prudy is a world class snowboarder and in the upcoming series. ?Meet the couple here.

Or watch a little clip about Amy's story

?Notorius Nick Newell fights MMA

Mixed Martial Arts fighting is one of the fastest growing sports around. ?Nick Newell was born without a hand has a very impressive record in the ring.

Education

How to swim with one arm

The Challenged Athletes Foundation has released a video on one armed swimming techniques

Paralympic History in Pictures

The Paralympic games have been documented over the years. ?Here is a short pictorial history including a golfer without arms and a dart thrower without vision.

Martial Arts from a Wheelchair

Nick Newell might inspire you to learn how to defend yourself from a wheelchair. ?Here's how.

Wheelchair accessible deer stand

Michigan group creates a deer stand which can get anyone up and able to see wild life.

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The Adaptive Sport "Breakdown" is meant to be shared. Please take a moment and post in social media. As well please leave a comment below on how we can make this update better in the future.

Thanks for tuning in.

Knowledge is Empowerment!
-RAM

Source: http://adaptivesportandrecreation.blogspot.com/2012/08/adaptive-sports-and-recreation_31.html

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Art Review: ?Oh, Canada? Exhibition at Mass MoCA

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Source: www.nytimes.com --- Thursday, August 30, 2012
?Oh, Canada,? a sprawling exhibition at Mass MoCA, may tell you more about Canada?s identity crisis than it does about Canadian art. ...

Source: http://www.nytimes.com/2012/08/31/arts/design/oh-canada-exhibition-at-mass-moca.html?partner=rss&emc=rss

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