How to Early Retirees can Avoid Early Withdrawal PenaltiesBrian Stoffel
Early retirement sounds great, but many worry about the penalties they will incur for taking money out of IRAs and 401(k)s before retirement age. Using this strategy, you can avoid that problem.
A Brief review of why everyone needs a written financial plan, one that has been updated within the last 12 months and the 11 mistakes that you do not want to make in your financial plan.
Get the perfect guidance to know how to get into owning ur own credit repair. You can easily find answers for your questions regarding credit business. Come here https://ccasite.org/
How to Early Retirees can Avoid Early Withdrawal PenaltiesBrian Stoffel
Early retirement sounds great, but many worry about the penalties they will incur for taking money out of IRAs and 401(k)s before retirement age. Using this strategy, you can avoid that problem.
A Brief review of why everyone needs a written financial plan, one that has been updated within the last 12 months and the 11 mistakes that you do not want to make in your financial plan.
Get the perfect guidance to know how to get into owning ur own credit repair. You can easily find answers for your questions regarding credit business. Come here https://ccasite.org/
We examine the impact of a Finnish reform in the 1990s that restricted the use of particular early retirement channels, unemployment pension and individual early retirement, and
simultaneously changed the rules of firm size related experience rating in disability pensions. Our emphasis is on how the reforms affected the incentives of the firms to hire older employees. In a simple model we illustrate how forward-looking behaviour of firms affects the value of a new hire. Simulations with the model illustrate that although the reform in the unemployment pension in principle affected particular age groups, 53-54 year olds in the case of unemployment pension and 55-57 year olds in the case of individual early retirement, the impacts on hiring may have been felt also in other, younger, age groups. On the other hand, the effects of both reforms are likely to have varied by firm size. In a differences-indifferences- in-differences analysis with firm-level data we show that the impact of the reforms has been to increase the probability of hiring especially in the age group 51-52 and
especially in the largest firms.
5 outstanding traits of successful entrepreneurs in africaLeona Sharon
To build a profitable business and to become an effective entrepreneur, you need to posses some specific skills and traits that will set you apart and keep you going even during the low times.
This is an autoresponder series I did for Brian Tracy's Wealth Building Made Simple program. Each email focused on a specific lesson from the program with the goal of getting readers to order the program.
Saving for retirement can be challenging when your paycheques just barely cover your day-to-day expenses. But it can be done with proper planning and starting early. These tips can help.
Introducing Bank Loan Busters – Ways to Curb Your Debt Even If You Have a Huge Bank Loan. Inside this eBook, you will discover the topics about how debt affects your whole life, learn to live with necessities, make a budget, pay more than the minimum, don’t use home equity to pay off debt, reuse and recycle and put the savings on debt.
We examine the impact of a Finnish reform in the 1990s that restricted the use of particular early retirement channels, unemployment pension and individual early retirement, and
simultaneously changed the rules of firm size related experience rating in disability pensions. Our emphasis is on how the reforms affected the incentives of the firms to hire older employees. In a simple model we illustrate how forward-looking behaviour of firms affects the value of a new hire. Simulations with the model illustrate that although the reform in the unemployment pension in principle affected particular age groups, 53-54 year olds in the case of unemployment pension and 55-57 year olds in the case of individual early retirement, the impacts on hiring may have been felt also in other, younger, age groups. On the other hand, the effects of both reforms are likely to have varied by firm size. In a differences-indifferences- in-differences analysis with firm-level data we show that the impact of the reforms has been to increase the probability of hiring especially in the age group 51-52 and
especially in the largest firms.
5 outstanding traits of successful entrepreneurs in africaLeona Sharon
To build a profitable business and to become an effective entrepreneur, you need to posses some specific skills and traits that will set you apart and keep you going even during the low times.
This is an autoresponder series I did for Brian Tracy's Wealth Building Made Simple program. Each email focused on a specific lesson from the program with the goal of getting readers to order the program.
Saving for retirement can be challenging when your paycheques just barely cover your day-to-day expenses. But it can be done with proper planning and starting early. These tips can help.
Introducing Bank Loan Busters – Ways to Curb Your Debt Even If You Have a Huge Bank Loan. Inside this eBook, you will discover the topics about how debt affects your whole life, learn to live with necessities, make a budget, pay more than the minimum, don’t use home equity to pay off debt, reuse and recycle and put the savings on debt.
Not sure of how much you need for your retirement or if you can really afford the dream house. Then have quick look at these thumb rules, just to know if you are on right track.
1. Do you have $18?
2. Do you know 4 people or more?
3. Do you want to be financially secure?
4. Do you want me to help you?
Are you serious on investing $18
If you answered YES to all 4 above...
Then Holla back at me!!!!!!!!!
Similar to Early Retirement: Avoiding Early Withdrawal Penalties and Funding Your Retirement (20)
Everyone wants to know what their retirement number is--the magical point at which they can choose how they participate in the working world. The best we can do is offer a ballpark figure, and here's how to find it.
Everyone wants to know what their retirement number is, but few can pin it down. While the best you can do is a "ballpark" figure, this should help you get an idea for where your retirement number really is.
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@Pi_vendor_247
Seminar: Gender Board Diversity through Ownership NetworksGRAPE
Seminar on gender diversity spillovers through ownership networks at FAME|GRAPE. Presenting novel research. Studies in economics and management using econometrics methods.
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
3. STEP #1: FINDING YOUR “ENOUGH”
Without consciously figuring out what you need to be happy,
you’ll always be susceptible to the hedonic treadmill.
That is, you’ll believe that “once I buy this, I’ll be happy”, only to
realize that happiness is short-lived, and you need to find your next
spending target. It’s an expensive, never-ending battle.
As fellow Fool Morgan Housel has pointed out, happiness
really boils down to a few key factors:
Control over what you’re doing.
Progress in what you’re pursuing.
Connections to other people.
Having purpose and meaning.
4. STEP #1: FINDING YOUR “ENOUGH”
The purpose of finding your “Enough” is three-fold.
1. Once found, you’ll be far better at listening to your own
needs, and figuring out what you need to be happy—instead
of listening to the outside world alone for validation.
1. Almost always, concentrating on this causes a reduction in
spending. Contrary to what some may have us believe, after
having our basic needs met, money and possessions to add
much sustainable contentment.
1. By reducing your spending, you’ll be able to save more and
you’ll need less (since you’ll be spending less) to retire on.
6. STEP #2: MAX OUT YOUR 401(K) AND
TRADITIONAL IRA
We’ll get to why these two can work even better
than a Roth a few steps later.
For now, all you really need to know is that by
maxing out both of these accounts, you
significantly reduce your taxable income.
7. STEP #3: USE YOUR EXTRA SAVINGS TO PUT
INTO NON-TAX ADVANTAGED ACCOUNTS
8. Yup, you read that right—start investing in a regular old
brokerage account.
Because you’re a long-term investor, you shouldn’t owe much—
if anything—in capital gains.
You will, however, need to pay taxes on dividends you receive.
Once you retire, this will provide you with a necessary cushion
and, in the end, you might not owe anything in taxes.
STEP #3: USE YOUR EXTRA SAVINGS TO PUT
INTO NON-TAX ADVANTAGED ACCOUNTS
10. STEP #4: RETIRE!
To be honest with you, I actually hate the word “retire”. It’s not
very specific, and too often, people don’t realize that the goal
of just “not working” isn’t very satisfying.
I prefer to say: “declare your financial independence.”
This doesn’t mean that you don’t work, or create things, or participate
in activities that you may or may not get paid for.
Instead, it means that you have full control over your time, and you
get to decide when to “work”, when to “relax”, and when to do
whatever else you want to do.
11. STEP #5: USE YOUR MONEY FROM YOUR
BROKERAGE ACCOUNT TO LIVE OFF OF…FOR NOW
12. STEP #5: USE YOUR MONEY FROM YOUR
BROKERAGE ACCOUNT TO LIVE OFF OF…FOR NOW
Believe it or not, you could actually live off of your capital
gains and dividends tax-free if you’ve truly reduced your
spending.
If you are in the 10% or 15% tax brackets in retirement, you
owe nothing for such gains. As I’ve shown before, you could
bring in over $100,000 per year and still be in this tax
bracket, depending on your filing status and the exemptions
that you take.
14. STEP #6: BEGIN SLOWLY CONVERTING TO
A ROTH IRA
In your first year of retirement, convert an amount equal to
your expected yearly expenses into a Roth IRA. You will
continue doing this every year until all of your money has been
converted.
Any conversions are considered regular income, so there’s
likely no way to avoid paying some taxes on these conversions.
However, because you are retired and living off of less than you were
earning in your working years, the taxes you owe should be
substantially less than had you initially put your money into a Roth
IRA.
15. STEP #7: AFTER FIVE YEARS, START
LIVING OFF OF YOUR ROTH MONEY
16. STEP #7: AFTER FIVE YEARS, START
LIVING OFF OF YOUR ROTH MONEY
Once five years have passed, you can withdraw any principal
you’ve put in a Roth tax free!
By the time you reach 59 ½, you can also withdraw any capital
gains tax-free as well!
And just like that, you’ve avoided paying a ton of taxes, and
maximized your time for the most important things in life!
17. LOOKING FOR OTHER WAYS TO MAXIMIZE
RETIREMENT INCOME?
Our top retirement experts expose a method so simple you’ll
be shocked you didn’t think of it yourself. To access this free
report instantly,