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  • “What Covid is reminding all of us, and we’re seeing in the behavior of many Americans, is the importance of saving, having a plan and sticking to your plan,” Nelson said.
  • Many respondents (56%) noted their reasons for wanting to continue working in retirement included for their mental well-being, while 40% said it’s because they want a safety net to cover unexpected costs and prepare for market volatility.“There may be financial reasons they want to keep working, or it might be because they want to stay mentally alert,” Nelson said.
  • The results come as economic uncertainty from the pandemic persists and unemployment remains relatively high, at about 10%. At the same time, however, the stock market — despite dropping in Thursday morning trading — is far above its lows earlier in the year.
  • “The definition of retirement is evolving and will keep evolving,” said Charlie Nelson, CEO of Retirement and Employee Benefits for Voya. “It’s not going to be about working until a certain age and then switching to no work.” 
  • Among baby boomers still in the workforce, 59% expect to keep working into retirement, a new study from Voya Financial shows. For Generation X, that share is 60% and for millennials, 49%. Overall, 54% of all workers say their retirement years will include a job of some sort. 
  • More than half of workers say one of the reasons they want to continue working in retirement is the positive influence it would have on their mental well-being, according to a new survey.
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  • Whatever the style of trip, and of travel agent, Ms. Richter of ASTA hopes that travelers can appreciate the value of having a professional in their corner.“You can only do your first post-pandemic vacation once. We hope!” she said.
  • Increased interest has also opened the possibility for new iterations of travel-planning businesses. The company Authenteco, which went live last May, has 24-hour text messaging support and an online interface allowing users to enter their travel style, interests and desired trip details; Authenteco has seen a 667-percent increase in trip requests since January. Another company,, began in this month and matches travelers with local experts to craft itineraries centered around off-the-beaten-track experiences.“We’ve seen around 200 to 300 new sign-ups per month, since November, with no paid advertising,” said Craig Zapatka, an founder.
  • While the outlook for 2021 is more promising, travel agents are still reeling from the devastation of 2020. According to ASTA, the average agency saw business crater 82 percent last year and it laid off about 60 percent of its staff.
  • “A member will ask, ‘We’re interested in Cabo, but we’ve been very cautious. What’s the overall feel there?’ Or, ‘My husband is vaccinated but my kids and I aren’t’,” she said. “We get a lot of inquiries about varying requirements on different Caribbean islands. ‘Will I be able to leave my resort? How many times will I have to get tested?’”
  • “Lots of people got burned last spring. They didn’t have an advocate to call the airline and get their airline tickets or their cruise credited,” Ms. Burk said. “Now, the level of complexity needed to go on a basic trip has drastically increased. A client who, typically, would have planned on their own previously are looking to a professional to say, ‘Please show me the ins and outs.’”
  • According to a flash poll conducted by ASTA, the American Society of Travel Advisors, in early March, 76 percent of travel advisers are seeing an increase in customers in 2021, compared to before the pandemic, and 80 percent are hearing from travelers who have never worked with a travel adviser before.
  • According to ASTA, the travel-agent business (or travel adviser, per a 2018 ASTA rebrand) saw an uptick between 2016 and 2019, because of millennials: This age cohort was eager to outsource the planning and benefit from V.I.P. treatment.
  • Once the pandemic started, she found that “going to every hotel website, or calling them to find out what their safety protocols are, that’s a lot of time.”
  • “We had two days in March where we broke records for the number of transactions booked in a single day,” said James Ferrara, the president of InteleTravel, a 60,000-member global travel adviser network. “Our overall business is up 35 percent, not from 2020, which was an aberration, but from 2019, which was the highest year we’d ever had.”Nearly 50 percent of those inquiries are from new customers, Mr. Ferrara said.
  • “We have clients who are calling us from the 15-minute waiting period after their second vaccine shot,” said Wendy Burk, founder and chief executive of Cadence, a La Jolla, Calif., travel agency. “They’re making sure they don’t have an allergic reaction, and they’re on the phone with their travel adviser saying, ‘Book me now! Book me anything!’”
  • With more people getting vaccinated and the C.D.C. largely giving the greenlight to travel for those who have had all their shots, a real-deal vacation this summer may be a reality for millions of Americans.
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  • "Even though we have differences, it's so nice to be together, and just keep enjoying the feeling that make us decide to be together, hopefully for many years in the future," says Jesús."Life keeps just being so generous, so wonderful. So that's my feeling -- is being thankful for that."
  • The family have also spent time in Finland and traveled together in Europe."Travel gives you a different perspective, a perspective on your own culture, but also, I think it kind of opens up your mind," says Irja, adding it was important to the couple to pass on their wanderlust to Erica."The story of how they met and their relationship in general definitely makes me believe in true love, kind of like a fairytale romance type," says Erica, who is in her early 20s and studied tourism and hospitality at college."I also think it's very unique and fascinating how two people from opposite sides of the world came to meet and have a daughter who is half Mexican and half Finnish," she adds. "I consider myself cool and unique for that reason!"
  • Today, Irja and Jesús still live in New York, they both work in hospitals in the city and run the photo and video business part time on the side.Jesús works in hospital patient relations. Irja -- now fluent in Spanish as well as Finnish, English and Swedish -- works in translation services for her hospital.
  • "Because I met Irja I came to New York and I started a new life here under conditions that I didn't imagine," says Jesús. "But certainly, I can tell you that feeling, that you feel inside -- it makes life beautiful anywhere."The couple happily settled into their New York life together and a few years later welcomed a daughter, Erica."We chose a name that works in Finland, Mexico and in the United States," says Irja.
  • They'd bought rings together on a return trip to Taxco earlier that year. At the time, they hadn't had a wedding date fixed, but it seemed like the perfect opportunity."Taxco is a famous silver mining town where they sell all kinds of silver items including jewelery with local stones," says Irja. "The thought was something like 'we are here in this perfect place, so we might as well buy rings in case we should need them any time in the future.'"
  • The year before, Irja endured some health issues, and her parents, who already liked the sound of Jesús, were irrevocably won round when they found out how he'd been there for her during this tough time."He was the one who was at my side and supported me through that experience," says Irja.
  • While Irja spent some of vacation touring alone, the two also enjoyed exploring together. Jesús prepared authentic Mexican tamales for Irja, and showed her his favorite spots in the city.And they traveled together to Taxco, a city known for its architecture and rugged mountainous surrounds."It's very popular with tourists, an old silver mining town," says Irja. "And it's very romantic. Like, you know, if you are supposed to fall in love, that's probably the place.""The trip was, I think, a big success," says Jesús, recalling driving through the mountains with Irja and admiring Taxco's beauty."I guess that's what you would call like a turning point," says Irja."After that, things were a little more solid," agrees Jesús.
  • In November 1991, three months after Irja's trip to Mexico, an opportunity arose for Jesús to visit New York for work.He was so excited at the idea of seeing Irja again. He decided to frame the trip as a "complete surprise" and only tell her he was in New York after he'd arrived. He stopped communicating with Irja in the lead-up to his visit to add to the surprise.But from Irja's perspective, Jesús had just stopped calling her. She was confused -- and when she found out he was in New York, it was the last thing she expected.
  • Irja and Jesús continued to send letters back and forth, and also speak on the phone on occasion, but the communication remained sporadic."There was no email, obviously no FaceTime, no texting," says Irja. "The mail between New York and Mexico City was a little erratic too. And the best you could do was just call long distance -- and I still remember very distinctly that it used to cost about 90 US cents per minute."
  • When Jesús got to the airport and he couldn't find Irja anywhere, he had no way of contacting her. Increasingly worried he'd missed her, he approached the airport staff and asked if they'd make an announcement over the overhead speaker.Finally, he found her with minutes to spare. Irja and Jesús said goodbye and promised to keep in touch, but neither of them had any expectations."The last thing that at that point in my life that I wanted to have was a man in my life, let alone a long-distance relationship," says Irja.
  • Jesús suggested that, rather than checking into a hotel, Irja could stay at his brother's apartment, which was currently unoccupied.Looking back, Irja says she's conscious she took a risk, trusting someone who was essentially a stranger."Here I am, in a strange city, in a part of the world that I have never visited before, it's the middle of the night here, am I doing something that's safe? Or is this really foolish?" she says today."But at the same time, I thought that we had a mutual friend, that both of us were very close with. And then I just kind of said to myself: 'Well, I guess you have to trust people, you have to be careful, but at the same time, you cannot lose all the trust.'"
  • "I was enjoying her conversation," says Jesús. "But also, I was enjoying the way she was showing me her eyes. They were beautiful, shiny eyes."I was not fully aware that I was in love," he adds. "But definitely that was the driving force."
  • Irja, meanwhile, was exhausted. She'd gone straight from work to the airport, but as soon she was introduced to Jesús, she felt comfortable in his presence. "He seems kind," she remembers thinking. There was a kind of decency about him, she says, that she warmed to right away.Jesús asked Irja if she was hungry. He working two jobs at the time, as a dentist and part time for his family's business, and he'd just finished for the day was keen to grab a bite to eat.
  • Marcus was thinking of his old high school friend, Jesús Estrella Jurado. Marcus gave Jesús a call and asked if he'd be able to meet Irja at the airport.Calling abroad was costly, so Marcus just relayed the key details: her name's Irja, she's from Finland, she lives in New York City, these are her flight details -- and she'll be landing in a few days.Jesús said yes right away. Sure, he didn't know much about Irja -- and Marcus hadn't given him much notice -- but he wanted to help out his friend.
  • "I was fairly experienced and fairly seasoned as a traveler and everything else. But the prospect of me landing in Mexico City around 10 p.m., in a city of 20-plus million inhabitants, not speaking Spanish, was not very attractive," Irja tells CNN Travel today.
  • Now in her early thirties, Irja was exhausted from a long summer navigating layoffs at her workplace, and dealing with some challenges in her personal life.This was the time to go for it, Irja decided, she was going to take those vacation days and enjoy that dream trip.
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  • Before carrying out a 401(k) rollover, it may be helpful to talk to your family and other advisors or mentors about your future plans. Think about when you’ll want to retire, what type of lifestyle you want to lead during retirement and other activities or hobbies you may be interested in pursuing later on. “The goal is to use this money to help you remain financially secure throughout your retirement years,” Krueger says. Lining up current funds, savings strategies and expected distributions with your life aims can guide your 401(k) rollover decision.
  • “Choosing to invest in an IRA can come with some great perks over a 401(k), including a more diverse selection of funds to invest in,” Jumper says. You might decide to place funds into different types of investments in the IRA, such as stocks, bonds, exchange-traded funds and mutual funds.
  • If you decide to roll over your 401(k), your plan sponsor may directly transfer the money to your new account, which can be done without incurring penalties or taxes. The plan sponsor could also mail you a check directly. When a check is sent to you, it will arrive with a 60-day rule. “You have 60 days to deposit it into a qualified account, or it will incur taxes,” Sundin says. You might also face an early withdrawal penalty if you are not at least 59 1/2 years old.
  • “If you do a rollover to a Roth IRA, you will owe tax on the rolled over amount right away,” Jumper says. With a Roth IRA, you will pay taxes on the contribution now, but the future withdrawals are often tax-free.
  • Finding the right financial advisor that fits your needs doesn’t have to be hard. SmartAsset’s free tool matches you with top fiduciary financial advisors in your area in 5 minutes. Each advisor has been vetted by SmartAsset and is legally bound to act in your best interests. If you’re ready to be matched with local advisors that will help you achieve your financial goals, get started now.
  • If you have a check made payable to you, “you’ll get charged with the mandatory 20% withholding tax,” says Paul Sundin, a CPA and tax strategist at Emparion in Chandler, Arizona.
  • Sometimes employees are able to leave the funds in the account with the former employer. “Keeping your money with your old employer comes with more constraints,” says Pam Krueger, CEO and founder of Wealthramp in Tiburon, California. “You have limited investment options, less control over costs and you have to follow plan rules. Plus, it’s another account to keep up with.”
  • If you’re leaving your current workplace and have a 401(k) plan with the company, you’ll typically face several choices related to the account. You might choose to rollover the 401(k) plan. In this case, the balance in the 401(k) plan will be moved to a new account. This new account might be a 401(k) plan at your new employer or an individual retirement account. “While an old 401(k) can sometimes be rolled over into your 401(k) with a new employer, the most common course of action is to transfer those funds into an IRA,” Jumper says.
  • If you have a 401(k) plan through your employer, there are certain times when you may have the option of rolling it over to another account. A 401(k) rollover typically refers to moving your funds into a different retirement account. The transfer usually occurs when you leave a job or transition into retirement. “Rollovers can be simple if you prepare for the process ahead of time and learn what to look for and how it’s done,” says Jay Jumper, CEO of Future Capital based in Chattanooga, Tennessee.
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  • Gone are the days of retiring at 65 and spending your life on the golf course. Today, retirees are reinventing this next phase of their lives — be it volunteering at a favorite charity, developing a hobby or traveling the world. Some individuals are also deciding they don’t want to wait until 65, or even 55 or 45. What does retirement mean to you? And what do you expect of it in your future? This session will house a discussion on how people are transforming this milestone.
  • A 401(k) and IRA are not the only ways to fund retirement. There are a variety of other options, including Social Security, life insurance, annuities, home equity and perhaps even a pension. These choices aren’t always beginner-friendly, though. This session will do a deep dive into what other sources of retirement income you could consider using so you live comfortably in retirement. 
  • We know we should put money in a 401(k) if we have access to one at work, or to throw extra cash in an individual retirement account… but how can we make sense of the investment choices available? Is it better to “set it and forget it” or actively manage the portfolio? How does one balance the funding needs of the future with the financial obligations of today? This session will cut through the noise of basic retirement planning advice, and help you go beyond the simple advice to start saving. 
  • Planning for a comfortable, enjoyable retirement isn’t as simple as opening an individual retirement account or deferring a percentage of your salary into a 401(k) plan — it takes careful thought, a few calculations and maybe a little motivation. 
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  • "Our design was made to accentuate Yonder Escalante's fundamental ethos of adventure and discovery, but also incorporate elements of elegance, comfortability, and nostalgia," Hannah Collins, CEO of Yonder and principal designer and founder of ROY Hospitality Design Studio, shared. "Deeply valuing authenticity, we found it essential to integrate vintage and custom pieces that were representative of the property's history and the destination of Southern Utah as a whole. Escalante exudes a carefree energy that defines the Yonder experience, and we're excited for our guests to embrace that to the fullest extent."
  • "We are thrilled and fortunate to officially establish our new company, Yonder, today with the opening of our first property in the spectacular Southern Utah destination of Escalante," Charles Tate, chairman and co-owner of Yonder, shared in a statement. "The concept is rooted in the spirit of the American road trip, with the goal of connecting travelers to timeless Americana — the nostalgia of our past, an appreciation for the present-day, and a bright outlook toward the future. Guests are afforded an immersive connection to nature and the opportunity to partake in new experiences to explore the outdoors while staying true to a well-appointed lifestyle and never sacrificing on comfort, quality, or style."
  • In April, Yonder, a collection of modern hybrid resort concepts designed to provide travelers with a new way to experience America's most beautiful national parks, announced the opening of its inaugural property in Utah, which comes complete with 20 acres to roam, several accommodation types to choose from, and access to some of the most stunning outdoor destinations of the American West.
  • Located amidst the magnificent Grand Staircase-Escalante National Monument near Bryce Canyon National Park, Yonder Escalante may just be what social distancing dreams are made of.
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  • Finding the right financial advisor that fits your needs doesn’t have to be hard. SmartAsset’s free tool matches you with fiduciary financial advisors in your area in 5 minutes. Each advisor has been vetted by SmartAsset and is legally bound to act in your best interests. If you’re ready to be matched with local advisors that will help you achieve your financial goals, get started now.
  • Public Policy Risks Government policies affect many aspects of our lives, including the financial position of retirees, and these policies often change over time. Policy risks include possible increases in taxes or reductions in entitlement benefits from Medicare or Social Security.
  • Business Risks Loss of pension plan funds can occur if the employer that sponsors the pension plan goes bankrupt or the insurer that is providing annuities becomes insolvent. There are guarantees for private pension plans under the Pension Benefit Guarantee Corporation (PBGC) that could protect some of your pension income, but maybe not all of it.3
  • Stock Market Risk Stock market losses can seriously reduce retirement savings. Common stocks have substantially outperformed other investments over time and thus are usually recommended for retirees as part of a balanced asset allocation strategy. However, the rate of return that you earn from your stock portfolio can be significantly lower than the long-term trends. Stock market losses can seriously reduce one’s retirement savings if the market value of your portfolio falls.
  • Interest Rate Risk Lower interest rates reduce retirement income by lowering growth rates for savings accounts and assets. As a result, individuals may need to save more in order to accumulate adequate retirement funds. Annuities yield less income when long-term interest rates at the time of purchase are low. Low real interest rates will also cause purchasing power to erode more quickly.
  • Inflation Risk Inflation should be an ongoing concern for anyone living on a fixed income. Even low rates of inflation can seriously erode the well-being of retirees who live for many years. A period of unexpectedly high inflation can be devastating.
  • Lack of Caregivers Facilities or caregivers are sometimes not available for acute or long-term care, even for individuals who can pay for it. Couples may be unable to live together when one of them needs a higher level of care. For people who have lived together for decades, this can result not only in increased costs but in emotional stress.
  • Change in Housing Needs Retirees may need to change from living on their own to other forms of housing, such as assisted living or independent living in a retirement community, which combines some assistance with housing. These residences can be quite costly, and the most appropriate form of housing for an individual in a given situation may not be available in the chosen geographic area or may have a long wait for entrance.
  • Unexpected Medical Bills These are a major concern for many retirees. Prescription drugs are a major issue, especially for the chronically ill. Older people usually have greater healthcare needs and may require frequent treatment for a number of different health-related issues. Medicare is the primary source of coverage for health care services for many retirees. Private health insurance is also available, but it can be costly.
  • Unforeseen Needs of Family Members Many retirees find themselves helping other family members, including parents, children, grandchildren, and siblings. A change in the health, employment, or marital status of any of them could require greater personal or financial support from the retiree for that individual. Examples of financial assistance include paying healthcare costs for an elderly parent, paying higher-education fees for children, or providing short-term financial assistance to adult children in the event of unemployment, divorce, or other financial adversities.
  • Change in Marital Status Divorce or the separation of a cohabiting couple can create major financial problems for both parties. It can affect benefit entitlement under public and private retirement plans, as well as individuals’ disposable income.
  • Death of a Spouse Grief over a spouse’s death or terminal illness contributes to high rates of depression and suicide among the elderly.2 Then there’s the financial impact: A spouse’s death can lead to a reduction in pension benefits or bring additional financial burdens, including lingering medical bills and debts. Also, the surviving spouse may not be able or willing to manage the finances if they were usually handled by the deceased.
  • Longevity Risk Running out of money before they die is one of the primary concerns of most retirees. Longevity risk is an even larger concern today, as life expectancy has risen. The life expectancy at retirement is just an average age, with about half of retirees living longer and a few living past age 100.1
  • Employment Risk Many retirees plan to supplement their income by working either part-time or full-time during retirement. In fact, some organizations prefer to hire older workers because of their stability and life experience. However, success in the job market may also depend on technical skills that retirees cannot easily gain or maintain.
  • “There are many unexpected demands for a retiree’s funds," says Peter J. Creedon, CFP®, ChFC, CLU, chief executive officer, Crystal Brook Advisors, New York, N.Y. "For that exact reason, everyone needs a realistic emergency fund."
  • The Society of Actuaries (SOA) in the United States has identified a number of post-retirement risks that can affect income. They’re grouped into four categories. People preparing for retirement—or already in retirement—should consider them carefully.
  • The most careful plans and preparation for retirement can fall apart due to any number of post-retirement risks: an unexpected death, a lengthy illness, a stock market crash, or a pension plan that goes bankrupt. In addition, it is not unusual for people to live more than 30 years in retirement, due to increased incentives to quit early and rising life expectancy, which in itself presents a major risk that retirees will outlive their savings.
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  • The SECURE Act, which took effect in 2020, requires many traditional IRA beneficiaries to withdraw all the money in the account within 10 years and pay the resulting tax bill. Under the old rules, a 45-year-old who inherited a $500,000 IRA from a parent could take small distributions over his lifetime. The new law requires that all distributions be taken within a decade. "Now they have to take the entire amount over 10 years, and $50,000 a year likely puts them in a higher tax bracket," Kovar says.
  • "You have to have money to pay for the income taxes," said Eric Bond, a wealth advisor and president of Bond Wealth Management in Long Beach, California. "You really need to spend time with a tax preparer. Make the decision later in the year to get a good estimate of how much your taxes might be before you do it." For some people, it might be better to do a rollover after you retire, assuming your income will be lower. Once you convert, you don't want to be surprised by a sky-high tax bill.It's important to note that you don't have to convert your traditional IRA all at once. "Some people think it is all or nothing," Bond says. "You can gradually convert 10% a year for 10 years."
  • Many Americans have experienced job loss, pay cuts, furloughs and early retirements. This means that incomes will be lower for many Americans, making a Roth conversion more attractive. "Income arguably will be much less this year as the result of layoffs and the economy materially contracting," Sadowsky says.
  • "That is not true for anybody who has saved a significant amount of money," Kovar says. "Clients many times end up in a higher tax bracket. Between Social Security, pensions and required minimum distributions, people often remain in the same tax bracket they were in before they retired or are pushed into a higher one." If you need to take large withdrawals from a traditional retirement account in retirement, you could even be pushed into a higher tax bracket, which could have unexpected consequences. For example, Medicare beneficiaries could face higher premiums because Medicare premiums are based on your income.
  • "A Roth conversion is arguably a powerful tax diversification tool for financial planning," says Matt Sadowsky, director of retirement and annuities at TD Ameritrade. "The current environment makes it even more attractive to those considering a Roth conversion as part of their financial plan."
  • Historically low tax rates make 2021 a great time to convert your traditional IRA to a Roth account. "It's the best time in history to convert to a Roth," says Elijah Kovar, co-founder of Great Waters Financial in Minneapolis. "Between now and 2025, the last year of tax reform, taxes are on sale."
  • Taxes are low. Your income is reduced. You have the money to pay the taxes that become due. You don't want to leave heirs a big tax bill.
  • The impact of the pandemic along with low tax rates makes 2021 an opportune time to convert a traditional individual retirement account into a Roth IRA. But a Roth IRA conversion may not be the right financial move for everyone
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  • The island has more than 107,105 confirmed cases of COVID-19 and more than 2,113 deaths as of March 31, according to Johns Hopkins University data. The island is reporting an average of 170 cases per day, according to the weekly trend. 
  • In Puerto Rico, the tourism industry accounts for 80,000 jobs and about 6.5% of the island’s total economy. "At the Tourism Company we are committed to the consistent development and strengthening of Puerto Rico as a tourist destination of excellence, in addition to maximizing the international projection that distinguishes it as an ideal destination where law and order prevail," Carlos Mercado Santiago, president of the Puerto Rico Tourism Co., said in a statement on March 14.
  • With spring break travelers, hotel occupancy is almost at capacity. Joaquín Bolívar, the president of Puerto Rico’s Hotel and Tourism Association, said he expects all the rooms to sell out for the week of spring break.Puerto Rico Gov. Pedro Pierluisi on Monday detailed a larger security plan for spring break. More than 3,500 officers will be stationed in tourist areas during the week, and the National Guard will have roughly 1,100 active soldiers stationed on the island to enforce the executive order. 
  • "We've assigned a lot of police, especially in the area of Condado due to the high number of incidents," Orlando Rivera Lebrón, San Juan's police chief, told USA TODAY. "Ever since we started this plan, we have made several arrests and have intervened with a lot of disorderly conduct."
  • Puerto Ricans have expressed concerns over travel to the island and tourists contributing to the spread of the coronavirus that causes COVID-19. The island has also experienced multiple episodes in which tourists became violent after being asked to wear a mask.
  • The current executive order in Puerto Rico, enacted on Feb. 8, says masks must be worn at all times, including outdoors. The island's curfew also runs from midnight to 5 a.m., and businesses are allowed to stay open until 11 p.m.
  • Meléndez Vázquez works and lives in the popular tourist area of Old San Juan, and he was nervous about all the violent incidents happening with tourists around the area who refused to adhere to local face mask requirements. "I would sometimes go to work thinking, 'Is this the day I'm going to have some aggressive interaction with someone?'"
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  • Parents can start at just $10 a month being automatically pulled out of their checking account into a savings account. Once it grows bigger, then decide what to do with it, like putting into a 529 plan, she advised.“Just start and everything else will fall into place,” Sun said.
  • Almost one-third, or 32%, said they have a savings account and 13% have a 529 plan. Meanwhile, 8% have savings bonds, cash or certificates of deposit (CDs) and 7% have an IRA or Roth IRA set up for their children.
  • When it comes to saving for retirement, most Americans (67%) said pandemic didn’t disrupt their plans and 19% are not sure how the crisis will impact their retirement.However, there is greater uncertainty among those who work part-time or are unemployed. Almost a quarter, or 23%, of part-time workers and 32% unemployed people looking for work said they are unsure of the impact.Of those who are unemployed and looking for work, 15% are actively making plans to delay their retirement.
  • Others took measures like borrowing money to cover everyday expenses (11%), stopping contributions to their 401(k) plan or other retirement accounts (6%), or asking for rent relief or a delay (5%). Only 4% took an early withdrawal from their 401(k) and 3% borrowed from their 401(k).
  • The pandemic has also caused Americans to postpone spending money on a vacation (54%), remodeling or renovating their home (15%) or buying a car (14%), the survey found.Those who had an increase in spending cited the cost of essential items going up (51%) and shopping due to boredom (24%) as the top reasons.
  • Of those who said they cut spending, 53% said worry about the current economic situation was the reason they cut spending, and 26% said it was because of a loss or decrease in a source of household income. Additionally, 16% feared another stock market downturn and 14% lost their jobs.
  • She’s now putting money aside into an online savings account and her Roth individual retirement account. She’s also saving for a trip to France once the pandemic ends and ultimately wants to buy a condo.“I have all these buckets for savings,” Kelly said. “It just feels good because I can actually put money in it now.”
  • “I literally sat down one day and went through all my finances and made a spreadsheet,” Kelly said. “I got to really see the numbers and I was shocked.”
  • “I didn’t realize how much money, especially in L.A., that I was spending on food and on my hair,” she said. “Once the pandemic hit, I had to start cooking for myself and doing my hair myself.”
  • “We have seen an uptick in an interest in investing,” said Sun, a member of the CNBC Financial Advisor Council. “They are seeing their checking accounts getting larger and they think that money is not earning enough for them.”
  • “We learned how to go to the grocery store not every day, but once a week, which meant meal planning and shopping with a list and those are fabulous money-saving skills,” she said. “We learned which of our subscription services we actually watch and which ones we don’t.”
  • About half, or 49%, said their monthly spending has decreased, compared to 33% last year.
  • In fact of those surveyed in a new CNBC + Acorns Invest in You survey, 46% said they are “more of a saver now” compared to before the pandemic.
  • While millions are still unemployed and many have seen their emergency savings run dry, it isn’t all necessarily negative. Many are saving more and spending less.
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  • Walking or getting other types of physical exercise can also help increase happiness in retirees—as well as maintain physical and mental health. You can also combine exercising with socializing and start a walking club or taking a regular class with friends.
  • For retirees who aren't concerned about earning additional income, volunteering can be a better option than working. Doing good by helping others can not only fill the day but more importantly, it can create the meaning and purpose that people of all ages crave. That often translates into increased emotional and physical well-being.
  • While those who have achieved true financial independence have no need to work, others may find that working a few hours here and there does increase their financial security—which, in turn, increases their happiness. Even those not needing the additional income might find that their happiness and life satisfaction increases simply by being around others and being needed, particularly if the job requires significantly less stress and responsibilities than their pre-retirement careers did during their prime working years.
  • Research shows that social isolation negatively impacts retirees, and has been associated with general poor health, high blood pressure, and immune dysfunction, as well as increased risk for chronic illness, premature death, and cognitive dysfunction. So planning to include some sort of regular social activities into your retired life will be key to your happiness—and your longevity.1
  • It's best to plan ahead to ensure a successful and happy retirement. But it's not just financial planning that's important. It's important to plan out your activities, as well. Research shows that retirees who stay somewhat active with planned activities tend to be happier than those who don't. It also suggests that people who spend their time doing what they actually want to do during retirement are happier than those who don't.
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  • The Amex Platinum already has a ton of useful, premium travel perks and provides up to $500 in various annual credits. Since travel is coming back with a vengeance, now is an ideal window of time to apply — and take advantage of pandemic-related perks as well as the rosy travel outlook.
  • One benefit, in particular, is an up-to-$30 monthly PayPal statement credit through June 30, 2021. If you apply and are approved for the card in March, that’s a total of up to $120 in statement credits with PayPal on purchases made at eligible merchants through the middle of 2021. Essentially, any merchant that accepts PayPal online will trigger the credit. Finally, existing Platinum cardholders aren’t left out either. While you won’t qualify for the welcome bonus mentioned above, if you’re already a cardholder as of Jan. 1, 2021, you can take advantage of exclusive Amex Offers, valued at up to $1,700.
  • Those 225,000 points are a staggering number for a welcome offer. However, this assumes that you can spend the full $15,000 at U.S. supermarkets and U.S. gas stations within six months of account opening. Even if you couldn’t max out the full $15,000, this is still a lucrative offer from Amex. Unfortunately, this 10x bonus is only applicable to new cardholders.
  • If you’re keeping track at home, between the welcome bonus points and elevated earnings at supermarkets and gas stations in the U.S., there is the potential to earn up to 225,000 Membership Rewards points within the first six months.
  • The only permanent Platinum category bonus is travel-related — 5x points on airfare purchased directly with airlines (on up to $500,000 on these purchases per calendar year) or airfare and prepaid hotels through the Amex Travel portal. However, that’s not enough right now. Besides a generous welcome offer of 75,000 Membership Rewards points for new cardholders after spending $5,000 in your first six months of card membership, the truly unique part of the bonus is a multiplier on non-travel items.
  • Additionally, one of my favorite Platinum benefits is the ability to access elite-like perks when booking hotels through Amex’s Fine Hotels & Resorts program. With travel picking back up, this is one area where new (and existing) cardholders can actually benefit again.
  • As a Platinum (or Centurion) cardholder, you’ll have exclusive access to these premium airport spaces with a wide variety of drinks, quality dining, high-speed Wi-Fi and a mixture of seating for relaxation and work.
  • Airline executives and industry analysts are bullish about the upcoming resurgence of leisure travel. In fact, over the next several months, U.S. airlines may even be on track to begin making money again.
  • However, over the past year, Amex has shifted its flagship card from travel-centric to one focused on everyday spending. But as we transition away from life at home, there now exists a prime opportunity to take advantage of this card’s perks — for both the pandemic era as well as the imminent travel revival.
  • With airline bookings on the rise and vaccine distribution accelerating, this spring and summer will see many U.S. residents traveling again — some for the first time in over a year. One of the preeminent travel cards (and also one of the most premium) is The Platinum Card® from American Express.
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  • Termini station in Rome is also due to become a hub for the vaccination program, which the government has vowed to speed up, as many 80-something Italians still wait for their injections.Giovanni Rezza, director of prevention of Italy's health ministry, predicted Tuesday that it will take "seven to 15 months" for the country to return to normality, if they can accelerate the vaccination drive.
  • Battisti's comments came at a presentation in Rome of the "treno sanitario," or "health train" -- a mobile hospital, with eight carriages designed to care for patients being shuttled between regions. It has been developed as Italy struggles with a third wave of Covid-19, and some regional health services are under more pressure than others.
  • Gianfranco Battisti, CEO of state-owned Ferrovie dello Stato Italiane, has said that on these trains, both passengers and staff will be tested for Covid-19 before boarding. Passengers will have to arrive at the station an hour ahead of departure. "We will launch a covid-free train at the start of April," said Battisti."We have chosen the Rome to Milan route for the initial testing phase. Then we will implement this for tourist destinations for the summer.
  • We've had pre-travel testing, quarantine on arrival and "covid-free" flights. Now comes something new in the travel industry's battle against the pandemic: "covid-free" trains.The concept is being launched in Italy, the first European country to be hit hard by Covid-19, which, one year on, is in the grip of a feared third wave.
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  • Americans, have no fear — the future of retirement may not be as bleak as you fear.
  • The gender gap in Social Security benefits will narrow, women’s increased lifetime earnings will bolster how much money they get in retirement and retirement incomes in general will continue to rise, according to the Urban Institute, a Washington, D.C.-based think tank for economic and social policy research. “What struck me most was the realization that the sky is not falling for retirement security,” said Richard Johnson, an economist at the Urban Institute.
  • The Urban Institute measured numerous factors in retirement income, including Social Security, earnings, pensions, government benefits, and retirement account withdrawals.
  • The caveat: Social Security must remain completely intact. Right now the trust funds supporting the program are facing depletion by 2035, and if that occurs, retirees will see only 80% of the benefits their owed, according to the Social Security Administration’s trustees report released earlier this year. Should Social Security see this shortfall, 38% of Generation X and 40% of Xennials won’t be able to replace at least 75% of their preretirement income.
  • The gender gap in earnings has yet to close — or come close — but the gap in Social Security benefits is lessening. This gap is expected to fall from 37% for pre-boomers to 15% for Xennials. Xennial women may see a median of $22,000 in annual Social Security income at age 70 (versus the men’s $26,000), compared with pre-boomer women, who had an annual Social Security benefit of $13,100 (compared with pre-boomer men’s median of $20,800).
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 special education 5019
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  • 6. Identify Your Ikigai The Japanese define purpose with the concept of “ikigai.”  Ikigai is the intersection of what you love, what you are good at, what the world needs and what you can get paid for.
  • 5. Identify What Gives Your Life Meaning and Purpose AND Makes You Happy The traditional pursuits of retirement: hobbies, volunteer work, travel, part time jobs, exercise, friends, leisure, family and more can all offer you meaning, purpose and happiness. 
  • 4. Take Care of Your Finances In 1943, psychologist Abraham Maslow theorized that the most fundamental human needs are physiological (air, water, food, clothing and shelter) and safety (personal and financial security, health and well-being). These basic needs must be met before an individual can focus on secondary and higher level needs such as love and belonging, esteem and self-actualization.
  • 3. Meet With a Life Coach You may work with a financial advisor to help guide your investing and saving choices, but did you realize that there are life coaches that specialize in helping you transition to life after retirement? Just as a financial advisor can help you navigate the complex and sometimes emotional choices in your financial life, a retirement coach can do the same with personal choices faced by people at or near retirement. A retirement coach can help you view retirement not as an ending, but as a transition into a new, exciting phase of life. You may have planned your retirement financially and even planned where you wanted to retire, but what else are you going to do for the next 20, 30, or 40 years? Be prepared for some tough questions about life and death, regrets or forgotten dreams. They might help lead you to part-time work, humanitarian efforts, entrepreneurial adventures, or even artistic pursuits that you hadn’t considered before. A retirement coach can also help navigate intangibles such as building a new social network and finding value in how you spend your time.
  • 2. Try an Mindfulness App Mindfulness apps are all the rage right now. The idea behind most of them is to help you with being aware of how you are feeling and learn to control your thoughts which will result in more happiness and meaning in your life. Headspace: Start with their calming one-minute breathing exercise to see if this is something for you. Calm: Voice led meditation and a range of calming background sounds. Stop, Breath and Think: This app checks in with how you are feeling and recommends a meditation based on your mood. 365 Gratitude: 365 Gratitude is a science-based app that will motivate you to cultivate a grateful mindset in just 5 minutes a day.  Gratitude is a key component of feeling and finding meaning.
  • 1. Hit the Books to Find Meaning for Life After Retirement When you were choosing a college major or career, did you ever turn towards books to help you zero in on your passions? Maybe it’s time to reread those guides. When you listen to podcasts or read interviews from visionaries and millionaires, one of the most common pieces of advice you’ll hear is to read a book. That advice works as well for pursuing a passion in a career as it does for finding your meaning for life after retirement.
  • Frankl believed that the very pursuit of happiness is what thwarts happiness, but once you have a reason to be happy – i.e. a meaning – happiness comes automatically. Happiness is about looking inward. It’s about satisfying your needs and wants. Happiness without meaning results in a shallow, self-absorbed life. When things go well, when your needs and desires are satisfied, you’re happy. When things get difficult, watch out. Meaning is different. It’s focused outwards, on others. It’s about taking care of others and contributing to your community or society as a whole. When we see our purpose as larger than ourselves, we no longer need to pursue happiness. It comes naturally, even in the face of temporary setbacks and discomforts.
  • While we’re in the daily grind of working for a living, we often visualize life after retirement as happy, stress-free relaxation. Getting a little R&R is certainly important, but there is a limit to the amount of napping, puttering around the house and daytime television a person can take. Without a plan for life after retirement, many retirees find themselves feeling vaguely unfulfilled and restless, craving something more but not knowing what that something might be.
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  • However, the numbers alone show that despite reopening the Maldives has been able to keep the pandemic largely in check.As of February 2021, the country has had 17,828 confirmed cases and just 58 deaths.
  • Many Maldivians who work in hospitality found themselves effectively "stranded in paradise," forced to stay at the resorts where they worked in order to look after just a handful of guests. Two staff members at the Kuredu Island Resort & Spa tested positive for the virus in March 2020. As a precaution, the entire resort was locked down. While quarantining on a postcard-pretty tropical beach wasn't the worst possible scenario for the guests, it wasn't as dreamy for the staff members who were charged with keeping the place running indefinitely.
  • As a direct response to the increased amount of time visitors were spending in the Maldives and the fact that most people were going digital-only for work and school, the resort devised a special package for guests staying a full month. The 28-day offering includes meals, high-speed internet, wellness activities and use of a kids' club and is priced from $42,600 for a family of four. They weren't the only ones. The Anantara Veli dug in even further, selling "all you can stay" packages for unlimited bookings for up to a year at a cost of $30,000. Another luxurious property, The Nautilus Maldives, promoted a "workation" package priced from $23,250 for seven days.
  • "Our biggest advantage is the unique geographical features of Maldives," he says, adding that the implementation of strict hygiene protocols combined with the ease of spreading people on different islands made a compelling combination for travelers who wanted to get away from it all. "We promoted the destination as a safe haven to the tourists."
  • The Maldives' heavy reliance on ultra-luxury resorts also worked in its favor when it came to testing and social distancing. For example, some high-end properties conduct additional in-resort Covid testing as an added layer of protection against the spread of the virus.
  • The country's geography also lends itself well to coronavirus protocols. Many hotels and resorts are on their own private islands -- there are more than a thousand to choose from, even before man-made islands come into the equation -- which makes isolating and social distancing exceptionally easy.
  • Part of the decision was financial. According to data from Michigan State University, tourism contributes 28% of the Maldives's GDP, one of the highest totals in the world.
  • The Maldives, an Indian Ocean island archipelago practically synonymous with romance, normally sees north of 1.7 million visitors per year. In 2020, it had around 500,000. And despite the significant decrease, it marks one of the most successful tourism stories amid the pandemic.
  • In most destinations, being a million tourists short over the previous year would be a huge cause for concern, the result of a horrible natural disaster. But that was before 2020, and before the coronavirus pandemic changed the way we travel forever.
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  • At the Marker Key West Harbor Resort, which sits on two lush acres in the Florida Keys, transactions from guests over the age of 55 were 70 percent higher in January 2021 than in December 2020, translating to a 41 percent increase in spending.
  • The tourism industry, battered by the pandemic, is now getting a much-needed boost from this new surge. Hotels and resorts, which have faced record-low occupancy throughout the pandemic, are wholeheartedly embracing the fresh wave of travelers, with many rolling out new programming and features geared toward their oldest demographic.
  • And all older travelers should choose destinations where hospitals have not been overburdened by the pandemic, Dr. Green said, because vaccinated or not, older Americans are more likely to suffer from non-Covid-related health issues.
  • “The vaccine is still not 100 percent effective, and if you’re living basically in a sea of virus, it’s good to be very careful even though you’ve been vaccinated,” said Dr. Manfred Green, director of the public health program at the University of Haifa in northern Israel. “We’re still not sure if someone who is vaccinated could acquire the disease without getting sick, meaning the virus would be with them and they could transmit it to someone else.”
  • And Lauren Bates, founder and owner of Wild Terrains, a women-only tour operator with itineraries in Mexico, Portugal and Argentina, said she was stunned when bookings in December and January — for trips starting as soon as May 2021 — were 40 percent higher than in January 2020, and three-quarters of the women who booked in that time were over the age of 55.“We’re seeing a lot of women in their 60s and 70s booking trips with friends,” she said.
  • Some older travelers are even opting to finally book those big-ticket dream trips. Fernando Diez, who owns Quasar Expeditions, a luxury cruise operator in the Galápagos Islands, says that in December, when frontline health care workers were among the very first Americans to receive vaccines, he saw a wave of requests for trip information from doctors and nurses.
  • “There’s a lot of pent-up desire among seniors, and a sense of life running out,” said Jeff Galak, a professor at Carnegie Mellon University’s Tepper School of Business. “There’s a theory called mortality salience: When your own mortality is brought to mind, behaviors change. We’re going to see upgrades to better cabins on cruise ships, and booking of better hotels.”
  • And while some older adults are focusing on short distances and Covid-19 precautions at their destinations when it comes to post-pandemic travel, others are enthusiastically planning to just go big.
  • Receiving that coveted first shot, she said, wasn’t just a factor in convincing her to book the trip. “It was the whole of the decision,” she said. But even having been immunized, she knows the vaccine is not a magic bullet, and wanted to be sure she was selecting a vacation spot where she trusted sanitation measures and where social distancing would still be possible.
  • That sense of safety is partly because Hawaii, with its mandatory quarantine and contact tracing, has managed the pandemic well. The couple feel confident that if they were to face any health issues while on the island, they wouldn’t be stymied by an overburdened health system.
  • At the Foundry Hotel in Asheville, N.C., an 87-room luxury hotel housed in what was once a steel factory for the Biltmore Estate, reservations made with the hotel’s AARP promotional rate were up 50 percent last month. Aqua-Aston Hospitality, a Honolulu-based company with resorts, hotels and condos in its portfolio, reports that senior-rate bookings climbed nearly 60 recent in January.
  • “We’ve very willingly been compliant with masking and social distancing, and have basically lived inside of our bubble here in Dallas,” Mr. Drayer said. “We haven’t been inside a restaurant in a year. So we’re anxious to get out now and do things a little more safely.”
  • Across the United States, older people have been among the first in line to receive their Covid-19 vaccinations. And among hotels, cruise lines and tour operators, the data is clear: Older travelers are leading a wave in new travel bookings. Americans over 65, who have had priority access to inoculations, are now newly emboldened to travel — often while their children and grandchildren continue to wait for a vaccine. For the silver-haired, it’s a silver lining.
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  • Trend 5: Extended stays will explode in popularity.After a year of stay-at-home orders and border restrictions, many of us are experiencing a pent-up desire to travel. As COVID-19 vaccination programs roll out worldwide, consumer confidence will grow.We expect a large proportion of people will forego holidays in the first half of the year and save their allocation for longer, far-flung trips over the summer months. After being denied travel for so long, people are hoping to make the most of their first trip. Travelers may be willing to spend more, travel to new locations or stay somewhere out of the ordinary.
  • Trend 4: Travelers will demand a new era of flexibility.Building flexibility into future bookings is crucial for travel providers in their efforts to build trust, and early evidence suggests that the industry is listening. For example, in September, American Airlines, Delta and United took the major step of permanently eliminating change fees.
  • Trend 3: The barrier will break on loyalty programs.Airlines and hotel groups have used their loyalty programs to generate demand in response to challenging economic headwinds. As a result, expect a significant surge in travelers booking with the air miles and points they have been unable to use during the pandemic. With extended loyalty programs and innovative new offers, there will be intense competition this year, and the value of air miles and loyalty points will fluctuate. Travelers will look to leverage the expertise of travel partners to navigate this.
  • Trend 2: Trusted advice will be a major competitive differentiator.In the travel industry, trust has become more critical than ever before. The climate of uncertainty created by COVID-19 has meant that travelers are increasingly seeking out trusted brands to help them navigate the complexities of new travel regulations.
  • Trend 1: A new wave of innovation will hit the mainstream.While 2020 will be known for significant disruptions to travel, one positive outcome of the crisis was how it motivated organizations to accelerate technology development, particularly the digitization and automation of travel.
  • Facing one of the most challenging waves of disruption since the tragic events of 9/11, travel companies have had to adapt themselves to survive. Now a full year since the pandemic began, the question isn’t will travel come back, but what will recovery look like?
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  • 7. No, there is no mandatory quarantine when you return to or arrive in the United States. It is recommended by the CDC and President Joe Biden, however. The CDC recommends that travelers get tested three to five days after travel and stay home or in a hotel to self-quarantine for seven days post-travel regardless of the test results. If you don't get tested after the trip, the CDC says "it's safest'' to stay home for 10 days. Biden's executive order states that travelers arriving in the U.S. from an international destination are "required to comply with other applicable CDC guidelines concerning international travel, including recommended periods of self-quarantine or self-isolation after entry into the United States.''
  • 6. Yes, airlines are trying to make it easier to stay up to date on new COVID-19 travel restrictions and organize test results and other documents while avoiding logjams at the airport. United Airlines on Monday announced a new "travel-ready'' center on its mobile app and website.
  • 5. No, you don't need to get a test before your flight out of the U.S. if you're headed to certain destinations, including Mexico. You will, though, if you're headed to select Caribbean destinations, Canada, the United Kingdom and scores of other countries with entry restrictions. Check with your airline and destination for details. Traveling within the U.S.? Coronavirus tests aren't required to board a plane, though some destinations, most notably Hawaii, require you to quarantine if you don't receive a negative test result before departure.
  • 4. No, airlines won't be testing you when you arrive at the airport for an international flight to the U.S. Travelers are on their own to obtain the required test, which must be taken no more than three days before your departure date. Hotels from the swank Atlantis in the Bahamas to timeshare resorts throughout the region have rushed to add on-site testing for guests, so check in advance to see what's available and add the cost to your vacation budget. Make sure you make a reservation for a test if offered in case slots fill up quickly. For more information on testing options in international destinations, check the websites and social media accounts of U.S. embassies. The U.S. Embassy in Mexico has assembled a list of private providers throughout the country, and so has the embassy in Costa Rica.
  • 3. Yes, you can avoid a test by submitting two things before your flight home: test results that show you had COVID-19 within the past three months and a note from a health care provider or public health official that states that you have recovered and been cleared for travel.
  • 2. No, you aren't exempt if you've had a COVID-19 vaccine.
  • 1. Yes, U.S. citizens are subject to the new rules.
  • "What if one of us tests positive and one of us doesn't? Where do we stay? What do we do?'' she said. "Everything was so up in the air it was absolutely not worth the risk.''The Secrets resort they booked through American Airlines vacations is offering an insurance policy of sorts, a free stay of up to 14 days if they were forced to stay in Mexico and quarantine after testing positive for their return flight. (The policy is in effect through March 31.)"I'm like, 'There's got to be some kind of catch in that because that's an awful lot of money they're going to lose,''' she said.
  • There is already evidence the testing requirement, which means travelers have to find a place to get tested during their vacation and risk being stranded if they test positive, is having an effect. United Airlines said last week that it has seen an increase in cancellations and a decline in bookings to Mexican beach resorts since the rule was announced.
  • The goal, of course: to help stop the spread of thecoronavirus that causes COVID-19. International travel is still severely restricted around the globe, but U.S. vacationers craving a getaway have been flocking to beaches in Mexico and the Caribbean in part because of a lack of restrictions in many destinations.
  • For the first time since the coronavirus pandemic began, all passengers ages 2 and older must present a negative coronavirus test taken no more than three days before their flight or proof they recovered from the virus within the past three months. Those who don't will be denied boarding. Canada, the United Kingdom and many other countries already had this entry requirement.
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  • Airline workers – especially flight attendants – have found themselves in the role of mask police. To date, nearly 3,000 passengers have been banned from Delta, United, Frontier, Spirit, JetBlue, Alaska, Hawaiian and Allegiant airlines, according to the latest figures from airline representatives The actual number is likely much higher since two of the country's largest airlines, American and Southwest, don't reveal how many passengers they have banned."Almost a year in, we still do not have basic federal safety requirements such as a mask mandate,'' the Association of Flight Attendants-CWA said in a statement last week. "We're eager to work with the Biden administration to protect aviation workers and passengers.''
  • "It is a federal policy and you have two choices: comply or don’t fly,'' he said.Airlines, unions and consumer advocates have been calling for a federal mask mandate since the early months of the coronavirus pandemic but found no support from President Donald Trump's administration.
  • Airlines already require masks and ban passengers who don't comply, but wthout a federal mandate, passenger cooperation is basically voluntary, he said. Even with the Federal Aviation Administration's recent order that it will no longer give warnings to misbehaving travelers."Suppose we had the same method for (in-flight) seats belts or smoking?'' he said. "We said, 'Well, we recommend you have seat belts. We recommend you don't smoke.' How would that work? It would be chaotic.''
  • President Joe Biden has promised a mask mandate on flights, trains and buses for months, and he plans to make it a reality onThursday.Biden, who said on his first day in office that "changing the course of the COVID crisis'' is a top priority, plans to issue an executive order promoting COVID-19 safety in domestic and international travel. It follows an order mandating masks on federal property announced Wednesday.
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  • “Many organizations need older volunteers. The challenge is to connect new pensioners to the voluntary activity that already exists in the community,” Bauger says.
  • There will be many more elderly people in the population in the years to come, both in Norway and throughout the Western world.“That means there will also be a lot more elderly people with a lot of resources,” Bauger says. “We’ll probably see then that there are even more ways to grow older.”
  • They often have a job that is physically demanding and where they have little control over their work day. They have to go to work and do the same thing every day, regardless of how they are feeling that day. They can’t work from a home office or spread their work throughout the week.“For these people, the job probably has more of an effect on their health than if you can put your work aside based on how you’re feeling that day, as I, as a researcher, can do,” says Grøtting.
  • She has also found that most people do better in the years right after they become retired. They report less stress and fewer depressive symptoms — and a generally better quality of life.
  • The newly retired pensioners also felt strongly about the feeling of being able to control their own lives.“It's a good feeling for most people,” says Bauger.Retirees would like to have a good relationship with their children and good contact with their grandchildren. But some said they protected themselves from others who could take control of their lives. They are careful to say yes to new obligations, including caring for grandchildren.
  • By analysing their stories, he found some shared success factors that contributed to having a good life as a retiree.“It means a lot to have a healthy body. This is not the same as not having aches and pains. But it means a lot to have a body that you feel works,” says Bauger.
  • Bauger says for this group, it matters a lot whether retirement is something you choose for yourself, or is something you have to do.“It also means a lot to many if they have a partner to share their retirement time with,” he says.“It also does matter what kind of finances you have as a pensioner. Research shows that people whose finances are robust as pensioners are more socially active and perhaps also more physically active,” he says.
  • “Some people feel that going out the door to work for the last time precipitates a drop in their quality of life. But the research shows that after a while, most get used to all the free time they have as retirees. At that point, their quality of life returns to what it was before they retired,” he says.
  • One is that about 75 per cent of all elderly have roughly the same quality of life, before, during and after their retirement.“But if you had a stressful or tiring job that contributed to lowering your quality of life, you’ll probably experience retirement as a relief,” says Bauger.
  • Research has shown that the transition from working life to retirement can be a major change for many.“For that reason, you might want to try it out a little beforehand, by reducing the amount you work, just as many people are doing nowadays,” he says.“And it might be good to think a little about how you want to spend all that free time you’ll suddenly have. You should definitely do this before you suddenly find yourself retired,” the researcher says.
  • Bauger notes that there are many more ways to retire now than before.And that can be good, he says. Bauger has interviewed both recent Norwegian pensioners and studied international research on the same topic for his doctoral dissertation.
  • The media and financial folks are very concerned about retirees’ finances. But perhaps people should think more about their social life when they retire, Bauger says.“This is, after all, also very important for most of us,” Bauger says.
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  • In other words, we’re people who are fully capable of change and flexibility. Early retirement requires both of these habits. Are there any other myths about early retirement that you’ve heard?
  • The 4% Trinity Study rule is antiquated and outdated. There is no way you won’t run out of money Contrary to popular critique, the 4% safe withdrawal rate is not some one-size-fits-all approach that people — come hell or high water — must blindly and stubbornly adhere to for the duration of their retirements.
  • Early retirement in a trailer sounds like a life of destitution In mid-November of 2015, my retirement renaissance article got picked up by Business Insider. Business Insider often does publish personal finance material, but they are far from an early retirement resource. The publication is well read among the general population.
  • destitution In mid-November of 2015, my retirement renaissance article got picked up by Business Insider. Business Insider often does publish personal finance material, but they are far from an early retirement resource. The publication is well read among the general population.
  • If you earn money after retirement, then you aren’t retired To the retirement police, you can’t be retired if you’re making money by doing work. Doing work, after all, is what people do “for a living”, and therefore, if you do something postretirement that generates cash, you’re not actually retired.
  • We remain completely flexible and willing to change. Flexibility happens to be a critical element of our postretirement lifestyle. If things don’t work out exactly like we planned, we change. We find a solution. It might include us working a seasonal job or two. Or, maybe we look for ways to reduce our spending. Choosing a lower cost of living area is another idea, to include overseas travel to areas like Thailand and Costa Rica. When you’re retired, your options are virtually limitless.
  • Our lifestyle is cheap. We spend in the neighborhood of $30,000 to $35,000 a year. We do this by boondocking as much as possible on BLM land, which is free government-owned wilderness to call home — usually for a maximum of 14 days before you need to move on. Find a spot, park your rig and enjoy nature. Of course, no hookups (electric, water and sewer) available, so you’ll have to provide your own power, water and hold on to your waste products or dispose of them safely (thank you for making that job easier, Mr. Composting Toilet).
  • Four years of living expenses in short-term savings. We have almost four years of living expenses in our Ally savings account, which will provide a nice little buffer once the next recession hits. Until then, we live off our monthly cash flow from our passion projects (this cash flow was a complete surprise, by the way) and by depositing dividends into our checking account rather than reinvesting them (this was a recent change).
  • $1 million at retirement is nothing, you’ll need more It might surprise many of you to know that we didn’t have $1 million saved when we officially set sail in our Airstream. That’s right, we aren’t one of those “rich people”, though we are rich enough to make our lifestyle work.
  • Fitness. I’m a fitness fanatic. In fact, I used to be that guy who went to the gym multiple times a day on some days. Yes, an actual “gym rat”. Now, I’m working out at more reasonable intervals and enjoying more time away from the gym. This year, I will be taking my Planet Fitness gym membership with me around the country.
  • YouTube channel. My wife and I spend time running a growing YouTube channel. I’m the one filming the majority of the videos, and I’m also the guy who edits the videos and puts together the final product. Our talking videos only take about 30 minutes to edit, but hiking and exploration videos can take hours to edit with music. It’s fun, though!
  • Rockstar Finance. For near the entire year of 2016, I worked closely with J$ as his primary technical resource. I built out the entire Rockstar Directory from scratch (with J$ delivering the vision, of course). Today, I manage the operational side of Rockstar Finance after ESI Money bought Rockstar Finance, and I couldn’t be happier. [ESI Money columns also appear on MarketWatch.]
  • Full-time travel. We sold both of our homes and travel the country for a living. Full-time. Our Airstream is our home. Yes, our only home. We pulled out of the KOA in Tucson, Ariz., April 1 of 2017 and began our new lives of travel (we are temporarily back in the KOA, but we’re leaving once again for permanent travel).
  • You will completely lose your purpose in life To believe a statement like this, you must also believe that your job is the only source of purpose in your life. Respectfully, that just sounds devastating. A single point of failure. And, it does not represent my life. At all.
  • Sometimes, the stuff that people say about early retirement (and early retirees) is terrible. It is assumed that early retirement is the end of productive life and that unless we’re swimming in millions in cold hard cash, early retirement will eat us alive.
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  • Armed with this knowledge, you’ll know where you are. That will give you that feeling of being in the driver’s seat, because you’ll have your own plan in answer to those three fears. You also know that no plan will ever work out. But the work that’s gone into the plan will help you adapt, as circumstances change — that’s why we plan, because it gives you resilience.All of this will hopefully make Life Two truly the best time of life.
  • How much “lifestyle risk” you can stand determines how much investment risk you can tolerate. For example, if your investments lost £5,000 in a year, how much would you have to reduce the annual income you’re drawing? And how would that make you feel? How about £50,000? These kinds of exercises are essential to defining your risk tolerance and managing your financial plan throughout Life Two. 
  • For those who want something more, I’ve found that even non-geeky people understand the notion I call your personal funded ratio. It compares how much you have (and are likely to add, if there’s time for future savings) with how much you need to continue the lifestyle you desire. A score of more than 100 per cent is good; under 100 per cent suggests a need for remedial action. There’s a free calculator tool on my website to help individuals and couples make this comparison. 
  • It’s important to remember that you and your partner are not just a couple, but also two different people (I got this idea from Tony Parsons). Many readers of my blog like the idea of a Venn diagram — two intersecting, partly overlapping circles — to identify activities you share and activities you want to keep separate. All three parts of the Venn diagram are important.
  • Everybody’s plans for Life Two will differ. Some may long to laze on a beach, or spend more time with the grandchildren, whereas others will want to “give something back” or keep working. There are questions that you can ask yourself to help identify these desires; the answers will help you to formulate a plan that’s unique to you. I’ve discovered many such sets. Let me show you two of them.
  • There are three main subjects that will tackle the three fears I mentioned: psychological (identity), practical (time), and financial (make it last). We should probably start the financial education about 20 years before retirement, when there’s still time to make a big improvement. The psychological and practical education should begin five years before retirement.
  • Employers with Life Two-educated employees should see improved productivity, and a greater ease of getting people to accept retirement — so, it could even help with workforce planning. I’d like to think employers might pay for this later life learning — but in practice, this may be a journey you have to make alone, perhaps with guidance from a financial adviser.
  • The financial angle is: “I don’t think I have enough. Will I run out of money before I run out of life?” In all my years of experience, it’s typically the biggest fear people have around retirement, particularly as defined contribution pensions become the norm. But there are psychological and practical issues too. “If I stop work, will I lose my identity? And how will I fill my time?” That’s why education can help.
  • There’s a psychological explanation. There’s idealism when we’re young and inexperienced, followed by stress as we strive for success and realise there are things that will never be perfect, followed eventually by an acceptance that perfection is unnecessary, and “pretty good is pretty good . . . and that’s enough.” Our measuring stick eventually changes, and we gradually change to seeing the glass as half full rather than half empty. More importantly, there’s a neurological explanation, involving that fact that the dopamine supply in our brains that constantly drives us to do more and better things, declines over time so we get progressively less pushy and frustrated — and happier. 
  • Let me start with how happiness varies with age. Have you heard of the u-curve of happiness? In country after country, survey after survey always shows that we’re happy in our youth, then our happiness tends to decline, bottoming out around our late 40s, then it rises again until we become happiest of all in our later years.
  • Life One is our grown-up working life. Life Two is what follows. It’s the best part of life, so much so that Life One is just the long prologue that finally gives way to the main event, when enjoyment, happiness and fulfilment peak. 
  • While more specific, the phrase “life after full-time work” is a mouthful. So I created an acronym for it, using the first letters: (l)ife (a)fter (f)ull-(t)ime (wo)rk, and it came out as LAFTWO. Aha, I thought, that’s how my Texan friends would say “Life Two”. And suddenly three years of assembling thoughts fell into place, and acquired a structure, purpose and much more.
  • Just as our working lives have changed immeasurably over the decades, so has our concept of retirement — not to mention how our long-term savings are structured. So in my own (very happy) retirement, I have been working hard to try and redefine it. 
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  • The days are long, but years pass quickly. Retirement offers the priceless gift of time, but you need to determine how to use it. Without a goal or some kind of focus, you might feel busy, but have nothing to show for it. It's easy to fritter away time watching TV, going shopping, running errands and keeping house. For many people a truly rewarding retirement comes only when they try to accomplish something that’s important to them. That might mean learning a new language, starting a new business or contributing to a favorite charity. When you reach the end of the day or the end of the year, you want to leave a mark, create a memory or make someone happy.
  • You still have to work on relationships. Loneliness is a well-recognized risk of retirement as friends move away or die off. While retirement is a time to relax, you still need to make an effort to keep your personal relationships alive with your spouse, children and friends. Consider doing something special for your spouse, make an effort to see your children and pick up the phone to call a friend. You should also reach out to make new friends, perhaps new neighbors or the people who share your new interests.
  • Money is important, but it’s not everything. So much preparation for retirement involves saving and investing that you sometimes forget there’s much more to retirement than money. Many retirees start out feeling financially secure, but then realize they don’t have any idea what to do in retirement. While it’s essential to plan for how you’re going to generate the income you need, it’s also important to figure out the interests and activities that will make retirement a rewarding and worthwhile period of life. Everyone needs something to look forward to beyond a monthly deposit into their checking account, whether it’s a job, relationship, dream vacation or spending time with grandchildren.
  • You will develop a new identity. Many people identify themselves and others by the work they do. You might think of yourself as a plumber, a nurse, a marketing executive or a social worker. After you retire, and especially as the years go on, people are less interested in what you used to do and more interested in what you are doing now. Are you a golfer, a gardener, a volunteer or a world traveler? Many people have found that they develop a new role in retirement. Establishing a new identity can be a challenge, but also an opportunity for a fresh start.
  • Be prepared for a surprise. Beyond the normal changes that evolve in life, many retirees advise that you should be prepared for a major shock. You could face setbacks like an expensive home repair, a car accident or a spouse or close friend dies. Other surprises may involve new opportunities. Your old boss might ask you to come back to work as a consultant. One of your children could invite you to move in with his or her family. A community organization might propose that you spearhead a fundraising campaign. Nobody can predict what’s going to happen, but it helps to be both mentally and financially ready when it does.
  • Life still changes. Retirement is a big change in itself. But even after you stop working and your kids are grown up, life goes on. You might move from your family home to smaller living quarters, or maybe relocate to a retirement destination in the sunbelt. Either way, you may have to develop a new circle of friends and find new stores, restaurants, doctors and hairdressers. And the changes will continue throughout retirement. Children may come and go, grandchildren may arrive and you may confront a major medical issue. Retired people sometimes get divorced, start new relationships or get remarried. Change doesn’t stop just because you’re retired.
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  • It's a bittersweet tale, but one that shows happiness can be found in the most unexpected places.
  • Set in Oklahoma, it follows four generations of Cherokee women across four decades as they persevere in the face of poverty, wildfires, oil spills and violence.
  • Through their relationships, Dolan dissects how modern love interplays with privilege, power and self-searching.
  • It draws parallels between racial tensions in the US today and in the years following the civil rights movement of the late 60s, while encouraging readers to "reimagine hope".
  • Writings are drawn from a diverse crowd including Haitian-American novelist Edwidge Danticat, Anuradha Roy in the Himalayas and Margaret Atwood, who pens a dystopian poem.
  • Open relationships, racial dynamics and class form the backbone of Leilani's darkly humorous yet insightful debut novel. Aspiring artist Edie loses her job and moves in with the married man she's been sleeping with… and his family.
  • When the two form an unlikely bond, their friendship teeters into strange, heartbreaking territory.
  • Sixteen-year-old Olivia's search for her missing father leads her to an offbeat enlightenment retreat in the mountains where leaders claim that they can teach people to fly. As you might have guessed, things take a sinister turn
  • Disease? Check. Quarantine? Check. If you thought that Donoghue - the author behind bestseller-turned-blockbuster Room - s
  • We recommend picking up this funny yet heartfelt book if you've recently found it all too easy to feel cut off from your pals. (
  • There will be many books written about the year 2020: historical, analytic, political and comprehensive accounts. This is not any of those." Instead, it's a short, intimate read that feels like a gesture of connection in these unprecedented times.
  • honest portrait of the Black immigrant experience in the American South. For more on the immigrant diaspora, try Brown Album by Porochista Khakpour.
  • A terrorist attack on a train in India unites three otherwise disparate characters: a Muslim girl from the slums of Bengal, a right-wing gym teacher and a trans woman who aspires to be an actress.
  • Maggie finds five letters in her will, each addressed to mysterious men and - you guessed it - she sets off on a road trip to hand-deliver them
  • , The High Low host's essays explore the anxieties and agendas that consume our modern lives, and interrogate the stories we tell ourselves.
  • So has journalist and new mum Elisabeth, the protagonist of Friends and Strangers, who has moved from New York City to small-town America - that is until she meets babysitter Sam.
  • Her latest fiction follows the chilling story of a lonely, 72-year-old widow determined to solve a murder myster
  • Bennet's tale follows twins Desiree and Stella who run away from their Deep South town aged 16.
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  • James R., who requested not to use his last name to protect his privacy, still works part-time as a professor online, but says that leaving his full-time job gave him a new level of happiness. "I found as I get older, my tolerance for stress and pressure has diminished. It's more difficult to deal with hassles now," he said. Since he now works from home, and only part-time, there are certainly fewer hassles these days. 
  • Bill Davidson had always wanted to retire early. "When I was in my 30s, I wrote down several goals, and one was to retire at age 55. Then in 2008,  I lost a lot of money in bad investments or bad timing and I said, 'I'm not sure I'm able to do that," he told Business Insider."When I was about 54 and a half my employer said, 'Hey, we're ready for you to go, and we'll give you a nice package to do that,'" Davidson said. "It was a little bit of a shock because it was on more on their terms than mine. But, I still had options, and they paid me through my 55th birthday, they were great."
  • After she retired, Karen Stermitz knew she needed an adventure. "I retired at 55 and immediately started looking for other work. But we were in a remote little town in Washington, and people wanted me to move to Seattle," she said. While she wanted to work, she found that many of the jobs she tried were rather different than the marketing role she had retired from at HP. "I was constantly bored and looking for purpose in life. I did some charity work, I always do charity work," she said. "So for me, the beginning was really hard and very boring."
  • David Fisher, a former police officer and university safety officer from the Finger Lakes region in New York, loved his work. Saying goodbye to it was tough. "The best part is that everything is on my schedule again. The worst part is that I am not in law enforcement anymore. It did hurt my feelings a little bit. I was in law enforcement for almost 40 years, and I don't have that camaraderie with my fellow brothers in blue anymore," Fisher told Business Insider. "I don't hang out with them. I'm not involved in that anymore."
  • Bill Brown, who lives in South Carolina, was worried by his former coworkers' comments that he'd 'go crazy' in retirement. He ended up building a woodworking shed to try something new. "I was perfectly happy for the first couple of days taking naps," he told Business Insider. "But, you do get tired of it.""The first few days of retirement I really spent doing nothing but going over to that shed, looking around, and thinking, 'Hm, I wonder what I'll even bother making,'" he continued.
  • "It's been the happiest time of my life. And, fortunately for me, I got to retire early and I've already enjoyed it for a long time," said Dirk Cotton, a former AOL employee who lives near Chapel Hill, North Carolina and now spends his days researching and writing about retirement. He writes about retirement on his website, and spends his days teaching others about retirement and its realities. "I spend hours and hours and doing this. I love it. I managed a very large organization at AOL and it kept me very, very busy," he said. "But, I think I may be busier since I retired than I was when I was working." 
  • For nine retirees, the circumstances of retiring and how life looked afterwards have been very different. From living a low-key retirement in the Midwest like James R. of Minnesota, to selling their home to travel the world like Joe and Karen Stermitz, there are lots of directions it could take.
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  • “What’s maddening for the consumer is that you buy a shirt that says ‘100% cotton,’ and yet you’re given no information about any of the chemicals or additives that have been used.”
  • “It’s always in your best interest to wash clothing before wearing,” he says. Nilsson agrees, saying washing new clothes “reduces the content of chemicals,” especially residual chemicals that may be left over from the manufacturing process.
  • Unfortunately, Nilsson says, “these chemicals are so far not well studied regarding skin uptake or related health effects” in humans, so it’s not clear whether exposure to these chemicals in your clothing could make you sick.
  • Allergic rashes aren’t the only health issue associated with clothing chemicals. In a 2014 study, a group of researchers from Stockholm University in Sweden tested 31 clothing samples purchased at retail stores, and that were “diverse in color, material, brand, country of manufacture, and price, and intended for a broad market.” They found a type of chemical compound called “quinoline” (or one of its derivatives) in 29 of the 31 samples, and the levels of this chemical tended to be especially high in polyester garments. Quinoline is used in clothing dyes, and the U.S. Environmental Protection Agency has classified it as a “possible human carcinogen” based on some studies linking it to “tumor-initiating activity” in mice—though the agency also states that no human studies have been conducted to assess the cancer-causing potential of quinoline.
  • It’s not clear how common disperse-dye allergies are among the general public. But there is one way to limit your risk for bad reactions: “By washing new clothing, you might remove a little extra dye and so have a lower exposure,” Nedorost says.
  • “If a patient comes in and has a rash around the back of the neck and along their sides around their armpits, the first question I ask is what they wear when they work out,” she says.
  • Allergic contact dermatitis is an immune system-related reaction to an allergen that has come into contact with your skin. It causes a delayed reaction: a rash that appears a few days after exposure, and then can last for weeks. “When we see allergic contact dermatitis from clothing, it’s usually from disperse dyes,” says Dr. Susan Nedorost, a professor of dermatology at Case Western Reserve University and director of the dermatitis program at University Hospitals Cleveland Medical Center. Disperse dyes are primarily used in synthetic clothing materials like polyester and nylon, Nedorost says. And they may be present at higher levels in a brand-new, unwashed article of clothing.
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 tourist facilities 8389
  • Every autumn, birds migrating from the Americas - including several endemic species - make a pitstop on the island, making this prime territory for twitchers. There are several expert-led birdwatching packages available if you fancy giving it a whirl.
  • entire Moinho da Cascata, where a terrace overlooks the sea and a waterfall tumbles down a cliff in the distance.
  • The small and wonderfully welcoming hamlet of Faja Grande is the most westerly village in Europe and about as far removed from modern-day stresses as one could hope.
  • Quinta das Grotas
  • Set in a stone-built house in Guadalupe, it serves Graciosa specialities alongside it's signature dishes of seafood cooked on roof tiles.
  • For something a little quieter and under-the-radar, visit São Lourenço, a beautiful village in which white houses and terraced vineyards tumble down into a bay
  • Santa Maria is famed for its handcrafted textiles
  • the remnants of two submerged volcanic craters, Capelinhos and Caldeira.
  • If volcanic landscapes are your thing, head north to the unusual lava formations of the Arcos do Cachorro, where the coastline is perforated with grottoes, tunnels and arches.
  • of Angra's 18th-centurygolden age -
  • To experience Azorean culture beyond the hubbub of Sāo Miguel, make a beeline for Angra do Heroísmo, where cobbled streets are lined with historic buildings reminiscent of Angra's 18th-century golden age - the Igreja da Misericordia ("the Church of Mercy") is a particularly beautiful, very blue, focal point.
  • Its various accommodation options are serviced by a restaurant, organic food shop and craft workshops.
  • The former is surrounded by Monte Brazil, overlooking the Bay of Silveira.
  • Hotel do Caracol
  • Bathe in the clay-brown thermal pool at Parque Terra Nostra and don't miss the ruins of Monte Palace Hotel, the Aqueduct, the Caldeira Velha, the Ponta do Canário, the Ponta da Ferraria and the Portas da Cidade.
  • The twin lakes of Lagoa das Sete Cidades - one blue and one green - lie together in the crater of a dormant volcano; hike the 12km circuit around the lakes, with several routes down to the water's edge.
  • the island's most popular restaurant - for just-off-the-boat tuna steak, smoked black pudding and pineapple cake; Taberna Açor for cured meats; or the no-fuss Mané Cigano where plates are piled high with grilled-to-perfection sardines.
  • In Ponta Delgada, try A Tasca
  • It's minimalist lofts and apartments set in former tea-plantation buildings are prime for those seeking a boutique, design-forward stay.
  • On the island's northern coast, Pico do Refúgio is a heady cocktail of nature, art and contemporary design
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  • Bijou", "bougie" and "chi-chi" are all often used in conjunction with Kastellorizo. It might be the largest island in an archipelago of the same name, but ferries to the Kastellorizo only run a couple of times a week, meaning it has remained a highly exclusive destination.
  • A visit isn't complete without ogling the subaquatic majesty of Alonissos' Marine Park, the largest marine-protected area in Europe.
  • Fortunately, its time in the spotlight has not resulted in boatloads of tourists making their way to its shores; island life remains fairly unspoiled. Sunburnt landscapes, quiet tavernas and cobbled towns are yours for the taking - just don't start singing.
  • Visit Hozoviotissa monastery, dramatically built into the rock-face by hand. Rocky terrain means Amorgos is also an excellent place to hike; it's said that wherever you are on the island, you can always see the blue sea all around you.
  • This tiny island (it's less than 12km by 4km) is spectacular; emerald-green water,
  • Head to the green north of the island to horseback ride and hike across the fertile landscape with lush vegetation continuing all the way down to the coastline.
  • A Byzantine fort, harbour town built in the style of Mussolini's Italy and ancient shipwrecks scattered off the coast are just some of the delights that await.
  • but this quiet island is steeped in history.
  • Named after Icarus, the doomed youth who flew too close to the sun, this wing-shaped island seems to have magical properties; residents live longer than almost anywhere else in the world.
  • Visiting the island is like going back in time; traditional village life plays out with inhabitants sitting outside their houses in the cool evening breeze - a far cry from the summer humdrum of Mykonos or Corfu.
  • think sun-parched mountains ringed by green-blue waters, with plenty of shoreline tavernas in which to while away the hours
  • Make a pitstop at Chora Castle, a 13th-century Venetian fort with impressive views of the island. The idyllic capital of Chora is packed with higgledy-piggledy artisan shops; look out for handwoven fabrics and locally gathered sea salt.
  • Samothraki is a boho enclave of sleepy villages with panoramic views; visit for the hundreds of natural pools and waterfalls scattered across the island.
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  • It’s beautiful and very rich
  • but a staple lunch option for me is the chicken shawarma wrap, a freshly cooked Lebanese flat bread filled with thin slices of amazing chicken, loads of salad, tahini, yoghurt and spicy sauce
  • Dog Track is a new restaurant in the centre of Belfast that has a sushi-style conveyor belt, only it’s serving tapas. There is lots of stuff for under a fiver. Today, because it’s cold out, I had a beef cheek and horseradish ravioli with tomato and basil ragu, spinach and parmesan.
  • We host a lot of international guest chefs at our restaurant and after work they don’t really want to eat fancy food, they want to eat dirty Scottish stuff
  • When I ate there, I had an amazing pulled pork sandwich from Ròst – the meat was really moist, the seasoning was great, there was a nice apple and celeriac coleslaw in it,
  • The guy who runs it, Giuseppe Scarpetta, is a proper chef and he uses really good meat from HJ Edwards, the butchers next door, who also supply my restaurant.
  • Right around the corner from my restaurant in Liverpool is this great place. They do small plates and have some really good vegan options, such as these sweet potato wedges. If you get the three-for-£12 deal at lunch, I would also recommend the roasted cauliflower with almonds, pomegranate, tahini, yoghurt, harissa and herbs – it is outstanding.
  • The red bean rice cake is a favourite
  • You can get two or three really tasty things for under a fiver and they really fill you up.
  • Kowloon is one of the oldest bakeries in Chinatown.
  • Philip Clayton at Haxby Bakehouse makes amazing bread and pastries, and savoury things, too
  • They are £1.30 each, so you can get three for under a fiver, and you get a weird mix of ingredients – tofu skins, pig intestine, konjac, Spam – all boiled in a very delicious salty, spicy broth
  • The black bean, cheese and spinach one is a winner. You can’t help but start to munch as soon as you leave the shop
  • the light bite at Millers in Haxby is exactly the right size, and it’s a proper treat to have perfect fish and chips that you want to bury your face in and weep salty tears of joy
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  • Though there is an assortment of brand-new and fully redesigned passenger cars hitting the road for 2020 model year, their numbers are dwindling as buyers are instead choosing sport-utility vehicles as their rides of choice. Stalwart sedans like the Chevrolet Impala and Ford Taurus are being discontinued, with the number of small cars in particular thinning rapidly. While there were 26 subcompact models on the market as recently as 2016, they’re down to just 17 for 2019, with the Ford Fiesta and Chevrolet Sonic reportedly bowing out at the end of the current model year.
  • The famed British exotic sports-car maker Aston Martin is building a full-electric version of the gorgeous and capable Rapide coupe. It comes wrapped in aluminum and carbon fiber body panels, and packs dual rear-mounted motors that generate over 600 horsepower with 700 pound-feet of torque. That should enable a 0-60 mph time under four seconds; top speed is 155 mph
  • Cadillac introduces a new compact luxury sedan for 2020, the CT4. Adorned with uncluttered styling, it fills the slot in the lineup that was vacated when the ATS was discontinued. Few details on the base model are available as of this writing, but we do know it will be rear drive with all-wheel-drive available, and come powered by a turbocharged four-cylinder engine with a 10-speed automatic
  • A mid-engine Chevy Corvette has been rumored for decades and it’s a reality for 2020. Carrying the famed Stingray moniker, it’s the most aggressively styled ‘Vette yet, with a wild exotic-car appearance. It comes with removable roof panels that can be stored in the forward-situated trunk.
  • A new name in the auto business, a Canadian company called Electra Meccanica says it will begin selling a new three-wheel single-passenger EV called Solo by year’s end. It looks a bit odd with its abbreviated styling, but will start at just $16,250.
  • Supercar maker McLaren debuts its first grand touring car for 2020, the appropriately named GT. A grand tourer is traditionally a more accommodating alternative to a flat out sports car that can be used as a daily driver or taken on extended road trips comfortably. The GT rides on a carbon fiber structure and its super sleek bodywork
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  • In a nod to the small business community, the Department of Labor issued a final rule earlier this week that may nudge more employers to offer joint retirement plans—MEPs—but it’s not all that employers were hoping for. “This is NOT the MEPs that everyone has been so excited about,” says Nevin Adams, chief of marketing for the American Retirement Association via email.
  • Texas. It also clarifies that Professional Employment Organizations (benefits providers) that sponsor MEPs are okay to be doing so (it was a grey area under DOL regs before). And there’s a new exception that lets worker/owners without employees into PEO MEPs. Before, employers had to have a commonality of interest to form a MEP: An engineering association, for example, could have a “closed” ME
  • Technically, what the DOL rule does is broaden the definition of employer. So, “bona fide” employer groups or associations and Professional Employer Organizations (PEOs) may act as an “employer” for purposes of sponsoring a MEP. The idea is that by banding together they can negotiate lower fees and pass those cost savin
  • There’s no question there is a lack of coverage: more than 28 million full-time private sector employees and more than 23 million part-timers do not have access to a workplace 401(k) retirement plan, according to the American Retirement Association.
  • offloads the plan administrator role and that fiduciary responsibility. But the employer is still the plan sponsor and has that fiduciary role. That’s something else that the DOL RFI hopes to address.
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  • Living in a UBRC that is connected to a top-tier medical and research center can be a huge benefit for the aging population. If having access to the best doctors and researches and therefore the best treatment options and medical procedures is a main priority
  • Living in a college town can help all parties involved avoid this problem altogether.
  • more reliable in college towns. There are also more readily available ride-sharing options like Uber UBER, -0.63%  and Lyft LYFT, -1.57% that retirees can take advantage of instead of having to always ask a friend or family member.
  • RCs are privately-owned retirement communities in college towns with a connection to a local college or university that offers benefits to retirees. UBRCs are not all the same, but most of them include these elements: a location usually within one mile of the school, a formal program that integrates the community and the school, continuing care with both independent and assisted living options, and a proven relationship between the housing provider and the school.
  • With retirement lasting as long as 40 years, new retirees may struggle to keep their calendar full, but living near a college or university can help fill all your newfound free time in a rewarding and enriching way. Schools that are part of a UBRC offer a variety of options for the aging population to pursue education, like auditing classes or attending guest lectures and other university events. Others have courses that were specifically developed for retirees at little to no cost.
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 business operations 4618
  • Smart phones  and the internet not only keep you in touch with family and friends, but digital wealth is quickly becoming the future of financial plann
  • Technology has streamlined nearly every aspect of our lives, especially personal finance. With the tap of a button, consumers can update beneficiaries on investment accounts, check their portfolios, and read financial statements. It’s not surprising that the boomer generation will quickly adopt these solutions due to the complexity in their lives, including mixed families, supporting children and parents, and trying to enjoy their own lives. 
  • Fitbits are a great analogy. Like financial technology, it presents point-of-time decision making reminders to change behavior and increase productivity. If I missed my daily step goals on Fitbit, for example, it might prompt me to go for a walk around my neighborhood late in the day. This mindset hasn’t been fully realized in the financial space, but will. If a financial app or technology portal closely tracks my spending behaviors, you bet it will make me second-guess that splurge at the mall.
  • That said, technology will increase the reliance on traditional financial advisors. The abundance of personal financial data available to consumers will ultimately leave them with more questions on their individual situations, thus sparking the need for professional advice. My favorite analogy is WebMD, which didn’t eliminate the need for doctors. It presents you with all of the possible scenarios related to your symptoms and, more often than not, causes you to quickly draw conclusions (often incorrectly) on your health issue.
  • Boomer: How are the boomer generations investing behaviors impacting the advisory industry?
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  • the team at helicopter glamping started the project by purchasing the decommissioned sea king in an online auction,
  • an intimate cockpit seating area boasts views over the carse of stirling in scotland
  • a mini kitchen, shower room, and bed in the tail offer comfortable and homelike living
  • un dome and doubled glazed patio doors added to the side of the helicopter let in natural light and lead to a decked area where guests can enjoy views of the hills. inside the cockpit, the flight deck has been refitted with swivel seats and a table made from an old fuel tank cover, allowing visitors to experience the helicopter in its original glory. inside, a mini kitchen, shower room, and bed in the tail offer comfortable and homelike living an intimate cockpit seating area boasts views over the carse of stirling in scotland signage, lighting, and paintwork were all restored to original condition nina azzarello I designboom aug 02, 2017 98 62 4 27 have something to add? share your thoughts in our comments section below. name (required) e-mail (will not be published) (required) text comments policy LOG IN designboom's comment policy guidelines generally speaking, if we publish something, it's because we're genuinely interested in the subject. we hope you'll share this interest and if you know even more about it, please share! our goal in the discussion threads is to have good conversation and we prefer constructive opinions. we and our readers have fun with entertaining ones. designboom welcomes alerts about typos, incorrect names, and the like. the correction is at the discretion of the post editor and may not happen immediately. what if you disagree with what we or another commenter has to say? 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  • a mini kitchen, shower room, and bed in the tail offer comfortable and homelike living
  • this decommissioned sea king helicopter has taken on a new life as a hotel, providing guests with luxury accommodation inside the aircraft.
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 tourist facilities 7879