Покупка и продажа дипломов в Уфе — Дипломы на заказ в Уфе

Готовы пойти по первому далеко не все, поскольку ради простой формальности не готовы терять время, остается второй вариант. Такая процедура сэкономит вам массу сил, времени, денег. Можно также заказать количество предметов, часов и даже оценки, то есть все то, что вы захотите видеть в своем новом документе об образовании. Мы рады приветствовать Вас на сайте Межрегионального учебно-аттестационного центра! Кроме возможности занять желаемую должность, покупка диплома, свидетельства курсов поможет сэкономить деньги и силы, не отнимет много времени. Готовы пойти по первому далеко не все, поскольку ради простой формальности не готовы терять время, остается второй вариант. Получить заочно свидетельство об окончании курсов – лучший выбор в данной ситуации.

Купить свидетельство о рождении

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Получив свой первый документ, ребенок становиться полноправным гражданином общества. Узнать стоимость данного документа можно несколькими способами. Покупая удостоверение подтверждающее ваше рождение или вашего ребенка у нашей фирмы вы экономить основной ресурс которым дорожит человечество – время. Кроме того, они в обязательном порядке покажут вам образец свидетельства о рождении, а также заполненный бланк, чтобы вы могли посмотреть на этот документ и убедиться, похож ли он на оригинал или нет. Связавшись с нами по поводу заказа документа о рождении, вы можете быть уверены, что в него будут внесены те данные, которые вы образование куплю уфа укажите нашим сотрудникам. Оформить свидетельство об окончании профессиональных курсов. Узнать стоимость данного документа можно несколькими способами. Для этого достаточно набрать в поисковике «свидетельство о рождении купить Москва».

Купить свидетельство о смерти

Поэтому человек решает:«куплю свидетельство о смерти». Паспорт, при смерти, конечно, изымают, но у вас могут оставаться другие документы, в виде военного билета, водительских прав, медицинской книжки или трудовой. Восстанавливать правдивую информацию придется долго, и не всегда это увенчается успехом. В данном отношении мы изготавливаем официальные бумаги, учитывая все установленные стандарты. И бывает такое, что человек попросту теряет такой важный документ, который, казалось бы, не пригодиться. В данном отношении мы изготавливаем официальные бумаги, учитывая все установленные стандарты. Одна неверно вписанная в фамилию буква способна полностью изменить личность умершего. Они не являются обычной подделкой, так как мы выполняем их на бланках ГОЗНАКа, ставим требуемые печати и подписи. В интернете вы можете все чаще вводить в поисковую систему объявление такого содержания « куплю свидетельство о смерти», но не факт, что вы не наткнетесь на мошенников, поэтому лучше доверять проверенным компаниям, как наша, которая уже много лет имеет отличную репутацию, и знает толк в законодательстве и документации. Нужно обратиться в соответствующую фирму и оформить заказ. Поэтому сотрудничая с нами, вы можете быть уверенны в подлинности заказываемых документов и бумаг. В этом случае придется обращаться в правоохранительные органы, ждать, пока они будут рассматривать заявление. Потребуется несколько недель, а то и месяцев, чтобы восстановить документ.

Купить свидетельсво о разводе

То есть, чтобы подтвердить, что человек женат или разведен, ему понадобится соответствующий документ. В связи с этим, как уже было изложено выше, нужно будет обратиться в ЗАГС по месту прописки, но это не совсем удобно, если вы сейчас не живете в своем городе и не собираетесь в ближайшем времени приехать. Если все эти документы в полном порядке, и вы знаете, где они находятся – замечательно. В связи с этим, как уже было изложено выше, нужно будет обратиться в ЗАГС по месту прописки, но это не совсем удобно, если вы сейчас не живете в своем городе и не собираетесь в ближайшем времени приехать. Часто бывает, что оригинал свидетельства о разводе утрачен или был вовсе испорчен. Свидетельство о расторжении брака является документом подтверждающим, что развод произошел между двумя людьми в определенную дату. То есть, чтобы подтвердить, что человек женат или разведен, ему понадобится соответствующий документ. Но как поступить в том случае, если на днях оформление какой-то важной сделки или визит в государственное учреждение, где нужно будет предъявить документ о разводе? Это свидетельство выдается вместе с решением о разводе. Как же получить свидетельство о расторжении брака, ведь без него никуда.

Купить Диплом О Среднем Специальном Образовании

Купить свидетельсво о браке

Если в тот, который регистрировал ваш брак, то не очень долго — не больше недели. В этом случае возникнут огромные проблемы с оформлением визы. Часто один из супругов уезжает за границу в поисках лучшей жизни, а потом вызывает всю семью. Вот почему так популярен вариант купить пустое свидетельство о заключении брака или уже заполненный документ. В этом случае возникнут огромные проблемы с оформлением визы. Это зависит от того, в какой ЗАГС вы обратитесь. До того, как получить это свидетельство, вступающей в брак паре нужно пройти довольно длительные административные процедуры. В этом случае возникнут огромные проблемы с оформлением визы. Во многих случаях это лучший вариант.

5 Tips to Furnish Your College Dorm on a Budget

This article originally appeared in U.S. News and was written by Kelsey Sheehy.

The most expensive item on the back-to-school shopping list for high school students is usually a backpack or scientific calculator. That all changes when they go to college.

In addition to textbooks and notebooks, incoming freshmen need bedding, storage containers and a whole host of other things to not only furnish a dorm room, but make it feel like home.

“It’s important for first-time college students to spend some time decorating their dorm rooms because for the better part of the next four years, it’s going to serve as their study area, entertainment area, bedroom and possibly even a dining area,” says Carly Fauth, head of marketing for Money Crashers, a personal finance website.

Still, students should keep costs in mind, she says, and outfitting your home away from home can be expensive. While most dorms come with the basics – a bed, mattress, desk and chair, mirror and trash can – students need to supply the rest. 

Minifridges – a necessity in many college dorms rooms – start at close to $65 at big box stores such as Target and Walmart. A microwave to cook frozen meals or reheat leftovers from the dining hall will run students roughly $45. Sheets, pillows and a comforter can easily add up to another $75. And those are just the essentials.

All told, college students will spend an average of $836 on clothing, electronics and dorm furnishings, according to an annual survey by the National Retail Federation. This year, a larger chunk of that will be spent at home furnishing and decor stores, the report notes.

It is possible for students and parents to save on back-to-college dorm spending if they deploy some common-sense strategies and heed some savvy shopping advice, experts say. Below are five tips to help incoming freshmen outfit their living space on a shoestring budget.

 

1. Check with the university: 

Many colleges have restrictions on what students can and cannot bring to the residence hall. While some schools allow small electronics such as microwaves, toasters and coffee pots, others deem them fire hazards and bar them from students’ rooms.

Some colleges also allow students to rent common dorm appliances or check out items such as irons and ironing boards, which may be more affordable than purchasing your own.

University rules also dictate whether or not students can hang pictures on walls or affix items to their school-issued bed. Students who break the rules could be charged damage fees at the end of the semester.

Obtaining a list of the school’s dorm decorating do’s and don’ts can eliminate these headaches, experts say.

 

2. Team up with your roommate: 

Chances are you and your soon-to-be dormmates have similar shopping lists. Avoid doubling up – and wasting money – by touching base beforehand to figure out what you each can bring.

If you are living with your best friend from high school, the two of you can hash out who will bring the area rug and who will handle the gaming console. If your new roommate is a randomly assigned stranger, dorm furnishings are a good reason to break the ice via email or Facebook.

 

3. Tap friends and family: 

There is no shame in bringing hand-me-downs to college, so students should talk to aunts, uncles, cousins – even neighbors – about items they need for their dorm room. The odds are good that one of them has a minifridge they have been trying to give away since their own child went to college, says Bonnie Joy Dewkett, a professional organizer.

“Everyone has things they aren’t using,” Dewkett says. “What may be an extra set of plates and clutter for an aunt, may be a saving grace for the college student.”

First-time students can turn to family and friends for more than a used microwave or rug, though. Those who have been to college recently – or have children who have – can offer advice about what to purchase, she says.

 

4. Scour Craigslist: 

The online classifieds site can turn up cheap or even free treasures, says Fauth of Money Crashers.

A quick scan of free items for the Champaign-Urbana area, home to the University of Illinois, turned up recent listings for free futon frames, toasters, microwaves and televisions.

Freecycle is another website students should check for furniture that is low or no cost, Fauth says, emphasizing that students want to skimp on furniture.

“In all likelihood it’s going to get pretty beat up over the next four years, so it’s just not necessary to drop a wad of cash on it,” she says.

 

5. Use shopping apps: 

Some things, such as sheets and mattress pads, students are better off getting new. Discount stores such as T.J. Maxx and Marshalls are perfect for these items, says savings blogger Kendal Perez, a self-professed shopaholic and bargain hunter.

But between coupons, clearance and back-to-school sales it is good to shop around to ensure you are getting the best deal. Instead of spending hours scouring department stores and websites such as Overstock.com to try and score the best deal, tech-savvy students can download mobile shopping apps such as Amazon Price Check, which allows users to scan the barcode of an item to see if it’s available for less via the online retailer. 

Priceblink can help student and parents shopping online, too. The browser add-on automatically pulls up prices from multiple merchants when shoppers are, say, checking out a bedding set on Macy’s website.

Coupons can also offer a deeper discount, Perez says. Instead of clipping 20 percent off squares from ads in the Sunday paper, she suggests students use apps such as Coupon Sherpa to maximize their savings.

4 Tips for Balancing School and a Job

This article origionally appeared on College Fashion and was written by 

  

Being a college student and working on the side is neither new or rare, especially with the rising costs of college in addition to student loans. In fact, not having a job in college is now uncommon.

Whether you’re working at a restaurant, doing retail, or employed on campus, finding a balance between studies and a job can be hard. Sometimes it might seem like you’re missing out on being social, or even simple things like eating and sleeping.

This wasn’t a problem for me my first semester: I worked a desk job on campus, it was only 3 hours a week, and I could do schoolwork during my shift. Later, I got a job as a local news correspondent and took on a bigger course load. But things were still OK.

These days, though, it’s a struggle: I work at a local restaurant 15 hours a week in addition to being a full-time student and interning. If I don’t work at finding balance, there won’t be any balance.

I’m far from perfect at balancing school, having a life, and working. But here are some things that I’ve learned along the way that have helped keep my head above water.

 

1. Make sure your manager is aware of your schedule.

In most cases, even if your job isn’t on campus, working students are so common that employers understand and are willing to work with your schedule. 

When you’re hired, it’s important to make sure your manager or supervisor is flexible, especially during exam time or in the case of important assignments. If your supervisor can’t be flexible with you, this may not be the right job.

As satisfying as it is to have some sort of regular income, you have to remember that you’re a student first. You’re not paying thousands of dollars a year to be spending all your time working and not at least somewhat focused on school.

 

2. Take it slow when you start.

Even if your job is related to your major, don’t get overexcited and take on too much when you start. 

Of course, you should try your best and take initiative at your job. However, it’s also smart to take it slow at first to see how your work hours might conflict with your personal and school time. It’s better to under-promise at first rather than over-promise and disappoint your employer.

Ask yourself: Can you participate in extracurriculars with the hours you have? Do you have time to write that essay or finish a lab? Do you even have time to sleep? 

You know yourself best, so don’t put more on your plate than you can handle. And if you do need to readjust, make sure to notify your employer sooner rather than later so you won’t be leaving them in a bind.

 

3. Make a plan for yourself and stick to it.

Creating a sample schedule with your classes, work, and things you’re involved in allows you to prioritize and see how everything fits in your life visually. 

Then, when you get further down the term, you can add things like due dates and exam dates along with things like social events, appointments, office hours, internships/co-ops, etc. 

The key? This allows you to see potential stressful weeks and conflicts in advance and plan for them.

Having a planner or wall calendar helps — not only does it force you to follow through with your schedule, it also helps you maximize your free time and set goals to get the important stuff done.

 

4. Don’t give up your life.

So you have a job now and you have to prove your worth to your boss and show your dedication. That’s great! But don’t forget about your friends or family, and don’t forget that you deserve room to breathe! 

Making time for people who matter to you and making time to treat yourself can help you from feeling overworked both at your job and academically. 

For optimal balance, give yourself a day or two a week where you can hang out with friends, FaceTime your family, or catch up on some much-needed sleep. 

Money and good grades are both necessities and obviously important. But they’re not worth it if you have to sacrifice your health. That burn out and buildup of stress can lead to anxiety, moodiness, and depression. Your life is worth more than one day without pay, trust me.

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Die Zukunft Phase ist Ihre Artikel oder Blog-Posts wie viele Artikel Verzeichnisse als erreichbar zu unterbreiten. Website-Inhaber sind in der Regel auf der Suche nach neuen und Qualität information.Well folgenden ein wenig von der World-Wide-Web-Lesen und auf der Suche über Craigslist Anzeigen, kam ich auf einen Menschen, der ghostwriting Experten-Service angeboten. Dieser Mann oder Frau schreibt für andere Personen, die für ghostwriter bachelorarbeit ein Leben. Ich bat sie, wenn sie geneigt sein würde meine Einschätzung für mich zu schaffen und nach deutlich bedrängt und Detaillierung mein Problem, das sie vereinbart. Sie wollten die Einnahmen so schön wie die Wirtschaft nicht so fantastisch war.

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Refit Your Debt: How To Refinance

Refit Your Debt: How To Refinance

Loans can hang around like a dead weight, and it’s difficult to know the best way to cut them down. Refinancing is an option for several kinds of loans, and can offer you the tools you need to reduce your debt. Whether you’re dealing with a mortgage or student loans, follow these tips if you’re considering refinancing.

  1. Be Prepared – Before you even think of refinancing or altering your loans in any way, make sure you know your own situation. What’s your credit score? Has it changed since you first got the loans? What is your goal when refinancing your loans – a lower monthly payment or a lower overall amount?

    Have these numbers clearly set in your mind as you set out so that you don’t get distracted by the first promising plan.

  2. Know the Consequences – Refinancing means that you are renegotiating your entire loan. This means your loan term starts over. This isn’t an issue for certain kinds of loans, but for others, it’s a problem. Student loans, in particular, are thorny, since refinancing can result in losing out on the potential of loan forgiveness or qualifying for income-based payment plans. Make sure you know the ripple effects refinancing will have.
  3. Use Your Assets – A cash-out refinance allows you to use equity you’ve acquired as cash so that you can pay off other debts. It will increase your mortgage, but it can allow you to pay off other loans with higher interests, like credit card debt or auto loans. You could end up paying far less overall. If one particular loan is causing you grief, this could be a good option to get it taken care of while only adding a little to your mortgage.

Make Your Debt Fit Your Life

Refinancing can be a great way to rid yourself of cumbersome debt, and Scient Federal Credit Union is here to work with you. If you’re interested in lessening your loans, call us today at 877 860 6928.

What age is the prime of life? Here’s how each generation answers that question

This article originally appeared on Market Watch and was written by Shawn Langlois

Emily Dickinson once said, “Old age comes on suddenly, and not gradually as is thought.”

Millennials would probably agree with her.

According to a recent survey by U.S. Trust, those born between 1981 and 1996 believe “old age” kicks in at 59 years old, a mere 19 years after they say youth ends. In other words, the transition time from young to old lasts less than two decades.

That certainly feels sudden. And not nearly gradual enough.

Here’s one chart that captures the results of the study, which surveyed more than 800 high-net-worth individuals of various age groups.

As you can see, the other generations see old age starting much later in life. Boomers and the “Silent Generation” agree that your senior years begin at 73, while Gen X puts the target at 65 years old.

On the flip, side, all three believe youth ends at a much earlier age.

And what about the glorious prime of your life? Millennials say we peak at 36, while everybody else believes that happens more than a decade later.

These numbers were part of a larger effort by U.S. Trust to examine attitudes toward investing, work, family life and more among various age groups.

Millennials’ Homebuying Thought Process

This story originally appeared on LearnVest as The Surprising Reason Millennials Are Buying Homes.

Buying a home is one of the biggest purchases you’ll probably ever make. You have to come up with a down payment, make sure your credit is pristine enough to get a decent interest rate on your mortgage, and make room in your budget for moving costs. There’s a lot involved, so you’re not taking the decision lightly. Right?

Well, the latest spring home shoppers report from Realtor.com seems to indicate otherwise — especially in the case of millennial home buyers. According to the report, 46% of 25-to-34 year olds actively shopping for a new house are doing so simply because they’re tired of their current digs.

To be fair, that’s the No. 1 overall reason that home shoppers gave for their house hunting, but the stats for millennials were highest than in any other age group (the average across all age ranges was 35%).

The No. 2 reason millennials are house hunting? Because they are planning to grow their families (30%), followed by getting married or moving in with a partner (27%), and a tie between a change in family circumstances and seeing a boost in pay (24%). Unlike other age ranges, most millennials aren’t looking for a single family house. Most are on the hunt for a town house, row house or single-family attached home.

While owning a home is a great goal to shoot for, the Realtor.com study hints that home buyers are being a little too blasé about the decision — which will obviously have a huge impact on your finances.

Think about it: Let’s say you’re interested in a $250,000 home. If you want to make the recommended 20% down payment, that’s $50,000 you’d have to come up with. If your closing costs are 3% of your purchase price, that’s another $7,500. So that’s $57,500 you’d have to have at the ready even before you weigh in costs for home inspections, taxes, home owner’s insurance or paying for movers and new furniture.

Is that a price worth paying just because you’re bored with the paint on your brick or want a new floorplan? Not so much. To decide if you’re truly ready to buy a home, ask yourself these key questions first.

10 Home Renovations With the Best Return on Investment

This article originally appeared on U.S. News and was written by Maryalene LaPonsie.

If you’re thinking about putting a “for sale” sign in front of your house, you may also have home renovations in mind. It seems logical that replacing outdated features, dingy appliances and worn carpeting should increase the value of your home, but don’t be too sure. Some renovations have a poor return on investment, while others will do little to impress buyers with their own vision for the property.

“Buyers in New York are very picky, and they want what they want,” says Steven Kopstein, a licensed real estate associate broker with Triplemint in New York City. He cautions people not to pour a lot of money into projects that are too personalized.

However, that doesn’t mean you shouldn’t make any updates. If you think you’ll be in the home for a while, go ahead and renovate so you can better enjoy the property. Otherwise, if you’re renovating for resale value, focus on these projects that offer the best return on investment.

Added insulation. Each year, Remodeling Magazine conducts a cost-versus-value analysis to determine which of 29 home projects offers the best return on investment. In 2017, it isn’t a new kitchen or bathroom that tops the list. It’s attic insulation.

It’s an inexpensive project that can be done for less than $1,500 and has an estimated return of 108 percent. Plus, it’s a good investment regardless of whether you plan to sell. “Anything that makes your house cheaper and lowers the cost of owning a home [is smart],” says Jason Shepherd, co-founder of Atlas Real Estate Group in Denver.

New garage door. When it comes to what it considers upscale renovations, Remodeling Magazine says replacing the garage door offers the best return on investment. Sellers can expect to recoup 85 percent of the cost of this project.

Kopstein says that while a new garage door can help sell a house, people should be smart about which one they install. He recently fixed and flipped two houses in New Jersey. On one, he opted for a basic door without an electric opener. “I didn’t think people were expecting that,” he says, based on the other homes in the neighborhood. He was right. The house sold in one day.

Better front door. Don’t stop with the garage door. A new front door can also be a good investment. According to Remodeling Magazine, you’ll recoup almost 91 percent of the cost on a steel entry door and nearly 78 percent on the price of a fiberglass one.

Improved landscaping. The National Association of Realtors and the National Association of Landscape Professionals conducted a survey in 2016 to determine which outside projects offer homeowners the best value. An overall landscape upgrade topped the list with an estimated 105 percent return on investment.

Kitchen remodel. Said to be the heart of the home, the kitchen deserves some extra attention if you’re hoping to sell. “You want to go after the wow factor,” says Michael Foguth, founder of Foguth Financial Group in Brighton, Michigan.

That doesn’t necessarily mean making a complete overhaul, but could include refacing cabinets or updating finishes. A minor kitchen remodel will recoup 80 percent of its cost, according to Remodeling Magazine, while a major midrange kitchen remodel only has a 65 percent return on investment.

Bathroom improvements. The bathroom is another prime place for renovations. On one of the houses Kopstein flipped, he choose to replace the vanity, lighting and toilet. It was an inexpensive way to dramatically improve the look and feel of the room.

Adding a bathroom is a major investment, and it doesn’t have the best return. Reports from both the National Association of Realtors and Remodeling Magazine say homeowners will recoup slightly more than half their investment. However, it may be essential to making a sale, especially if there is only one bathroom in the house. “When you’ve got over three bedrooms and you’re all sharing one shower, that’s really tough in a resale market,” Shepherd says.

New windows. Replacing old windows can brighten a room and resale prospects. There’s no need to splurge though. “You’re not going to get your money back with a top of the line window,” Foguth says. Remodeling Magazine reports vinyl replacement windows have a 74 percent return on investment, giving them a 1 percent edge over wood windows.

More square footage. Refinishing a basement or other space can dramatically boost the value of a house in some areas. “In Denver, we have a high price per square foot,” Shepherd says. “To spend $20,000 to $30,000 to finish [off a space] makes a ton of sense.”

A 2015 National Association of Realtors report considered the value of converting a basement to living space. It estimated homeowners could expect to recoup 69 percent of the project price. The return on investment for converting an attic to living space was estimated at 61 percent.

High efficiency appliances. Like insulation, upgrading to high efficiency appliances, water heaters and furnaces has a dual benefit. These may make the home more attractive, but just as importantly, they reduce living costs for the homeowner. Some states and cities may also have tax incentives or other programs to help offset the cost. “That’s way better than stainless steel appliances or throwing up some granite,” Shepherd says.

Interior paint. It’s hard to calculate the return on investment for a coat of paint, but Kopstein says 25 years as a real estate broker have taught him that buyers like clean lines and airy spaces. “If there is any way you can bring light in, it’s going to affect your price,” he says. For those on a tight budget, fresh paint can go a long way to brightening a room.

While these 10 renovations make the most sense from a dollar and cents perspective, every market is different. Kopstein recommends talking to a broker and understanding the expectations of buyers in your area before sinking too much money into a home renovation.

Estimating Your Retirement Income Needs

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You know how important it is to plan for your retirement, but where do you begin? One of your first steps should be to estimate how much income you’ll need to fund your retirement. That’s not as easy as it sounds, because retirement planning is not an exact science. Your specific needs depend on your goals and many other factors. However, by doing a little homework, you could be well on your way to a comfortable retirement.

 

Use your current income as a starting point

It’s common to discuss desired annual retirement income as a percentage of your current income.  Depending on who you’re talking to, that percentage could be anywhere from 60% to 90%, or even more.  The appeal of this approach lies in its simplicity, and the fact that there’s a fairly common-sense analysis underlying it:  Your current income sustains your present lifestyle, so taking that income and reducing it by a specific percentage to reflect the fact that there may be certain expenses you’ll no longer be liable for (e.g., payroll taxes) could, theoretically, allow you to sustain your current life-style.

The problem with this approach is that it doesn’t account for your specific situation.  If you intend to travel extensively in retirement, for example, you might easily need 100 percent (or more) of your current income to get by.  It’s fine to use a percentage of your current income as a benchmark, but it’s worth going through all of your current expenses in detail, and really thinking about how those expenses will change over time as you transition into retirement.

 

Project your retirement expenses

Your annual income during retirement should be enough (or more than enough) to meet your retirement expenses. That’s why estimating those expenses is a big piece of the retirement planning puzzle. But you may have a hard time identifying all of your expenses and projecting how much you’ll be spending in each area, especially if retirement is still far off. To help you get started, here are some common retirement expenses:

  • Food and clothing
  • Housing: Rent or mortgage payments, property taxes, homeowners insurance, property upkeep and repairs
  • Utilities: Gas, electric, water, telephone, cable TV
  • Transportation: Car payments, auto insurance, gas, maintenance and repairs, public transportation
  • Insurance: Medical, dental, life, disability, long-term care
  • Health-care costs not covered by insurance: Deductibles, co-payments, prescription drugs
  • Taxes: Federal and state income tax, capital gains tax
  • Debts: Personal loans, business loans, credit card payments
  • Education: Children’s or grandchildren’s college expenses
  • Gifts: Charitable and personal
  • Savings and investments: Contributions to annuities and investment accounts
  • Recreation: Travel, dining out, hobbies, leisure activities
  • Care for yourself, your parents, or others: Costs for a nursing home, home health aide, or other type of assisted living
  • Miscellaneous: Personal grooming, pets, club memberships

Don’t forget that the cost of living may go up over time. The average annual rate of inflation over the past 20 years has been approximately 2.2 percent. (Source: Calculated from consumer price index (CPI-U) data published by the U.S. Department of Labor, January 2016.) And keep in mind that your retirement expenses may change from year to year. For example, you may pay off your home mortgage or your children’s education early in retirement.

Other expenses, such as health care and insurance, may increase as you age. To help protect against these variables, build a comfortable cushion into your estimates (it’s always best to be conservative). Finally, a financial professional can help you make sure your estimates are as accurate and realistic as possible.

 

Decide when you’ll retire

To determine your total retirement needs, you can’t just estimate how much annual income you need. You also have to estimate how long you’ll be retired.

Why? The longer your retirement, the more years of income you’ll need to fund it. The length of your retirement will depend partly on when you plan to retire. This important decision typically revolves around your personal goals and financial situation. For example, you may see yourself retiring at 50 to get the most out of your retirement. Maybe a booming stock market or a generous early retirement package will make that possible. Although it’s great to have the flexibility to choose when you’ll retire, it’s important to remember that retiring at 50 will end up costing you a lot more than retiring at 65.

 

Estimate your life expectancy

The age at which you retire isn’t the only factor that determines how long you’ll be retired. The other important factor is your lifespan. We all hope to live to an old age, but a longer life means that you’ll have even more years of retirement to fund. You may even run the risk of outliving your savings and other income sources. To help guard against that risk, you’ll need to estimate your life expectancy. You can use government statistics, life insurance tables, or a life expectancy calculator to get a reasonable estimate of how long you’ll live. Experts base these estimates on your age, gender, race, health, lifestyle, occupation, and family history. But remember, these are just estimates. There’s no way to predict how long you’ll actually live, but with life expectancies on the rise, it’s probably best to assume you’ll live longer than you expect.

 

Identify your sources of retirement income

Once you have an idea of your retirement income needs, your next step is to assess how prepared you are to meet those needs. In other words, what sources of retirement income will be available to you? Your employer may offer a traditional pension that will pay you monthly benefits. In addition, you can likely count on Social Security to provide a portion of your retirement income. To get an estimate of your Social Security benefits, visit the Social Security Administration website (www.ssa.gov) and order a copy of your statement. Additional sources of retirement income may include a 401(k) or other retirement plan, IRAs, annuities, and other investments. The amount of income you receive from those sources will depend on the amount you invest, the rate of investment return, and other factors. Finally, if you plan to work during retirement, your job earnings will be another source of income.

 

Make up any income shortfall

If you’re lucky, your expected income sources will be more than enough to fund even a lengthy retirement. But what if it looks like you’ll come up short? Don’t panic–there are probably steps that you can take to bridge the gap. A financial professional can help you figure out the best ways to do that, but here are a few suggestions:

  • Try to cut current expenses so you’ll have more money to save for retirement
  • Shift your assets to investments that have the potential to outpace inflation (but keep in mind that investments that offer higher potential returns may involve greater risk of loss)
  • Lower your expectations for retirement so you may not need as much money (no beach house on the Riviera, for example)
  • Work part-time during retirement for extra income
  • Consider delaying your retirement for a few years (or longer)

Prepared by Broadridge Investor Communication Solutions, Inc. Copyright 2017.

*Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor.  Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. The Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.

CFS representatives do not provide tax or legal guidance. For such guidance please consult with a qualified professional, information shown is for general illustration purposes and does not predict or depict the performance of any investment or strategy. Past performance does not guarantee future results.

6 Surprising Benefits of a Frugal Hobby

This article originally appeared on US News and was written by Gregory Go

Whether it’s woodworking or writing, a hobby doesn’t have to be expensive to be satisfying. For as the little as the cost of a few hand tools or paper and pen, a frugal hobbyist can begin exploring the craft and developing creative skills. Sure, you can spend a lot of money on tools and materials launching a hobby. You can also get started with minimal gear, especially if your pastime has few resource requirements (like acting or walking). Along with the happiness that comes with exploring your talents and capacities, an engaging hobby has many other benefits, from career-boosting skills to stress relief.

Here are six unexpected benefits of a frugal hobby.

 

Networking opportunities. Many hobbies require at least some instruction in the basics before you can progress. Resources abound online – and in the real world. Local parks and recreation departments, arts and crafts suppliers, community groups and even skilled individuals offer classes and workshops in your chosen activity. Ask around. Once you connect, you’ll be among like-minded people from a variety of backgrounds. As you progress, you may decide to take part in fairs, “makerspaces” and other venues that showcase your craft, which will bring you into contact with many more people. At least some of the folks you meet are bound to prove to be valuable contacts for your day job or career.

Career-enhancing skills. One of the main draws of taking on a hobby is the opportunity to acquire new skills. For example, team sports and games may improve your leadership skills and ability to work with others. Any hobby that involves writing will make you a better communicator at work. If your hobby is acting or stand-up comedy, those performance skills can help you become a more confident participant in work meetings or a trusted presenter at conferences. Whatever your hobby, you’ll be making scores of decisions in a low-risk environment, which is bound to improve your decision-making skills in your high-stakes work life.

Stress relief. Many hobbyists cite stress relief as a key reason they enjoy their pastimes, and recent science supports this theory. In fact, the time spent engaged in leisure activities can produce measurable improvements in heart rate and other stress indicators almost immediately, according to research from the University of California–Merced. What’s more, these stress-relieving effects last for hours after the leisure activity has ended. It doesn’t really matter what the leisure activity is – even watching television is beneficial – as long as one is focused and engaged in the activity with few distractions, according to the UC Merced study.

 

Great gifts. Many hobbies involve arts and crafts, and that means producing lots of stuff. At the start, your creations may be rudimentary, but it won’t be long before you’re proud of your work – and your friends and family begin to ask for pieces of their own. A hobby can be a great source of gifts for holidays, birthdays and other special occasions. A gift created with your skills and creativity is imbued with thoughtfulness and care that the recipient is sure to recognize and appreciate.

Extra income. When you’ve run out of friends and family who want your paper creations and handmade jewelry, consider finding a paying audience. Setting up an online store using a service such as Etsy is a snap. You might also secure a booth at local arts and crafts fairs or in the crafts section of your local farmers market. You probably won’t get rich this way, but you defray the costs of your hobby and perhaps earn a little extra to boost your savings or spend on a splurge.

 
 

A second or retirement career. If your Etsy shop or booth at the farmers market is a hit, it might be time to consider turning your hobby into a second career. Of course, before taking that step, you’ll have to consider whether you can tolerate the risk of striking out on your own – or the risk of transforming your stress reliever into a stress creator. For those who have already left the workforce but would still like to keep busy, a frugal hobby can become an extra source of income – and a daily source of satisfaction, accomplishment and purpose.