Fredericksburg Hiking and Biking Trails

Fredericksburg Hiking and Biking Trails

The following links lead views to trail information and maps for family use.

 

http://fredtrails.org

http://fredtrails.org/maps

Posted 25Oct20

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

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