Fredericksburg Hiking and Biking Trails
The following links lead views to trail information and maps for family use.
Posted 25Oct20
Sunday, October 25, 2020
Moving? Find Neighborhoods with Natural Gas
Natural gas is a low-cost highly efficient energy source not available in just any neighborhood. Realtors I've spoken with on the issue claim to not know which neighborhoods have natural, this website helps fill that knowledge gap.
Go to this link and plug in the location: https://pvnpms.phmsa.dot.gov/PublicViewer/
Date posted: 25Oct20
Sunday, October 11, 2020
Article Summary from MarketWatch- Opinion: Half of Americans over 55 may retire poor
Article Summary from MarketWatch- Opinion: Half of Americans over 55 may retire poor
Article Key Points:
· Over half of Americans over 55 may retire in poverty
· Poverty is defined as having to live on less than $20,000 a year.
Reasons:
· Loss of job due to COVID and an inability to get it back; many job losses are permanent
· No employer contributions to 401K's
· Inability to save due to the impacts of job loss and having to tap into savings to survive
· Most vulnerable population are those who lose their jobs in their 50s, and unable to access Social Security or Medicare benefits
Mitigation Strategies mentioned:
· Create a six-month emergency fund
· Make full contributions to 401K, even if you do not get a match
References:
· Teresa Ghilarducci, expert on retirement, of The New School based in New York
o For additional information from your local library or Amazon; here are some of Ms Ghilarducci's books
§ https://amzn.to/3dpxLWP ; Rescuing Retirement: A Plan to Guarantee Retirement Security for All Americans (Columbia Business School Publishing) Hardcover – Illustrated, January 23, 2018
§ https://amzn.to/36VJ1c8 ; How to Retire with Enough Money: And How to Know What Enough Is
· https://www.marketwatch.com/story/half-of-americans-over-55-may-retire-poor-2020-10-01
Date of Post: 11Oct20
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