Grow your retirement income

Planning for income to be received after retirement is your responsibility, especially since the traditional employer-funded retirement plans and their popularity is fading. With a high-powered lifestyle and growing needs, Social Security benefits may not be enough to insure a comfortable life after retirement. Without a retirement plan, you could face a future that will be full of financial uncertainties and hardships.

But you can overcome these financial uncertainties and hardships. How? By investing your retirement income in a broad range of assets that can offer not just current income but advance in funds as well.

Strategy to follow to generate regular income
Today, there are many investment methods available, which carry minimal or no risks and are tax efficient too. You can implement an effective and more stable strategy for generating sustainable retirement income in following ways

  • Invest in a mix of assets: Investing money in bonds and stocks equally, can deliver returns high enough to provide revenue without subjecting you to any high losses.
  • Dividend stocks: Investing in companies that pay a regular dividend to their shareholders can create a regular source of retirement income for you, as they share the profits with their investors.
  • Withdrawal rate: The withdrawal rate from your retirement income should be set high enough to obtain an acceptable level of income and to avoid the burnout of the assets in the early retirement.
  • Real estate investment: Investing in real estate is a good option as the value of the property increases with inflation.
  • Getting introduced to IRAs: Opening an IRA and investing money in it is easy and advantageous as you will be provided with tax benefits irrespective of you being a fresher or experienced trader.

A good retirement income investment strategy not only focuses on regular income but also makes sure that your money doesn’t erode and grows to beat when the price rises. When you are investing, see if the returns are profitable and if you can easily access the money when required. It is best to consider the risk with respect to longevity, inflation, principal losses from unstable investments, liquidity, or uncertain expenses etc. at the time of planning, so that you accordingly strengthen your investment portfolio.

The retired life is supposed to be the golden era of your life and investment avenues are numerous; the key lies in making yourself aware of those and pick the ones which are the most suitable for you.

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  • Why is slate pool table such a big thing?

    If you are a clean slate when it comes to pool tables and wonder why people go gaga over slate pool tables, you have come to the right place. Read on to find all that you ever wanted to know about the mysterious slate pool tables.

    Slate pool tables are traditionally made of a large slab of slate. Since slate can be crushed and polished into a flat surface quite easily, it gives a perfect base to pool tables. The best slate for pool tables is mostly imported from a region in northern Italy. Italian tables therefore are the highest in quality among pool tables.The most talked about aspect about slate pool tables is their price. Slate tables are higher priced than ordinary synthetic tables. The reason for this circles back to the fact that slate is imported and the transportation cost of a large and heavy slab of slate raises its overall cost.

    You must have probably also heard about single slate or three piece slate tables. The obvious difference between these is the parts in which the slab is divided. Most of the high quality tables use three piece slate as they are known to have several benefits. Since a single slab of slate is extremely difficult to move, people prefer buying three piece table for the sake of ease and smooth mobility. Another demerit of the single slab table is its heavy weight. The weight causes the table to sag and warp overtime. Three slab slate tables are therefore more common and extremely durable. The only real issue with three slabs is accurate assemblage. If the assemblage is not seamless it may seriously affect game play. The simplest reason why slate tables are the most sought after pool tables is that it allows balls to roll straight when hit. The biggest flaw with non-slate surfaces is that they deflect easily and fail to last a long time.

    If you are wondering that the finished slate bed table looks anything like the slate that you can write on, you are absolutely wrong! Slate Pool tables are covered in cloth that is stuck to the surface of the slate. The cloth provides a smooth playing surface. Slate tables give you an amazing playing surface that does not deteriorate over time. The cloth, however, may get damaged due to wear and tear but it can easily be replaced.

    “Who uses Slate tables?” you may ask. Well, those are all slate tables that you find in clubs, halls and even pubs!

  • Here’s What You Should Avoid Adding to the Cat Food

    Wet food is messy, especially for cats. So, you can get dry food for your pet cat. But you need to choose the best dry cat food. This will ensure that the pet is getting all the required nutrition.
    Cats are generally known to be messy eaters. If you offer wet food to it, you may find it all over the room. To prevent this, you need to offer dry food to cats. But dry foods are not as attractive to them as wet foods. Moreover, wet foods are high in nutritional content. If you are substituting wet food with dry food, you need to have the best dry cat food. This will ensure that the animal gets enough nutrition. However, dry foods are also notorious for their adverse effects on cats. Therefore, you need to be selective and choose the best.

    Let us go through a list of ingredients that should not at all be present in the best dry cat food.

    Potato

    Dry foods already have a notoriety for stoking diabetes. Potato is a high glycemic food, meaning that it can precipitate a spike in blood sugar. Like human beings, cats too are prone to diabetes and blood sugar, if you offer it potato or food containing potato regularly. So dry foods containing potato is not at all good for your pet cat. However, you can proceed with sweet potato. Though it is sweet, it does not stoke diabetes or blood sugar.

    By-products

    Many companies in the pet cat food business prepare the food from byproducts of other industries such as poultry. But these are not good. Pet foods containing byproducts of other industries may cause a variety of health problems in your cat. It may suffer from allergies, stomach irritation, diarrhea, vomiting etc. If it has a sensitive stomach it can often exhibit these symptoms. So, the best dry cat food should not at all contain byproducts.

    Gluten

    Corn contains gluten, and most pets like cats and dogs are allergic to it. So you must see that the cat is not given a food which contains grains like wheat, corn, and soy. The best dry cat food must not contain glutinous substances.

    High-carb content

    Foods containing high amounts of carbohydrates, such as white rice, can precipitate blood sugar. Since pets are not used to much activity, high carb food can easily stoke diabetes. Moreover, pets don’t digest carbohydrates well. So, the best dry cat food should not have a high carb content.

    Artificial preservatives and colors

    Most cats don’t tolerate artificial preservatives and colors. Some of these elements are even harmful to the cat. Vitamin K3, which is produced synthetically, can be a dangerous food for your pet cat. This particular synthetic product may be toxic to the liver, kidneys, and heart of the cat. So the best dry cat food should not at all contain artificial preservatives and colors.

    Artificial sweetener

    While sugar is not good for pets, artificial sweeteners are the worst. Artificial sweeteners like Xylitol can lead to sudden fall in blood sugar level. These products may cause a sudden release of insulin leading to a drastic fall in sugar levels in the blood. All this can happen within half an hour of eating. It is also harmful to your pet’s liver. Such artificial sweeteners are usually present in candy, gum, mouthwash etc. However, some low-quality foods may also contain these substances. The best dry cat food does not contain any of these substances.

    Contents of the best dry cat food

    The best dry cat food must be balanced in all respects. A cat needs nutrients like various vitamins, amino acids, minerals, proteins, and fat. It needs meat since there are some nutrients which it can obtain only from meat.

    So, the best dry cat food must contain meat but should not contain any grain. There are a number of such brands in the pet food market.

  • Nutrition – Foods and their functions

    Foods are classified based on their different aspects like the quantity needed, the functions they serve etc. Based on the quantity and the large functions they are categorized into macro or energy foods and micro foods. The energy foods are further divided into carbohydrates, proteins, and fats. Carbohydrates form the bulk of food and contributor of energy. Proteins, on the other hand, are more for repairs and reconstruction of the body tissues. Fat plays slightly more complicated role. It has the highest energy density. They act as a solvent for many oil soluble micronutrients. It also plays a part in making many chemicals in the body.

    Carbohydrates: Carbohydrates are compounds formed by carbon, hydrogen and oxygen molecules. The simplest is monosaccharides. They are very easily digested and assimilated into the bloodstream raising the glucose levels very quickly. They are burned up also fast providing a quick spurt of energy. The second is disaccharides, normally, an intermediary during the digestion of trisaccharides or complex starches. Trisaccharides or polysaccharides are difficult to digest. These are complex molecules and the body takes the time to break them. Hence, they do not raise but maintains a steady blood sugar level and it takes longer to feel hungry.

    Proteins: are compounds of carbon, hydrogen, oxygen and nitrogen. Simple proteins are called monomers and used to make heavier polymers. Proteins are normally used to repair the body. The body rarely breaks down proteins for energy purposes.

    Fats: Fats are esters or products of neutralization of fatty acids with glycol. Their structures are quite complex. The simplest is a monomer growing into bigger polymers. Another important factor in fats is the amount of hydrogen in them. The amount of hydrogen in a molecule of fat is measured by its saturation. If one starts to knock of hydrogen atoms from fats they become unsaturated. A saturated fat is solid at ordinary room temperatures and is more difficult to digest and not considered good for our body. However, all fats that are solid at ordinary temperatures are not bad for the body, the example is coconut oil which is considered good. What matters is the straight length of their molecules. Longer ones are not good for the body.

    Micronutrients: Micronutrients are mostly mineral salts. In the body, they exist as ions. They are sodium, potassium, calcium, iron, iodine manganese, magnesium, zinc, selenium. Molybdenum and chloride. All these are obtained if one eats a well-balanced diet on a regular basis.