Growing old is a natural phenomenon that no one can escape; the crow feet near one’s eyes or the deepening of the laugh lines are just old age’s euphemistic way of telling you that it has arrived. These ramifications of old age are quite trivial when you address the elephant in the room: the discontinuation of your regular income source. It is common knowledge that every citizen has to retire at the age of 60, and even if you wish to work after 60, you won’t be receiving the hefty paycheck that your job paid you. Moreover, simply relying on your savings will deplete your savings account, and leave you high and dry in case of emergencies. So, what should you do to prevent such unfortunate circumstances from occurring in future?
You would thank your younger self when you retire if you had invested in the best individual retirement account (IRA) that helps retirement planning. IRAs are those depositories where you save money for your retirement while you are working, and the golden rule- the earlier you start saving for retirement, the better- is the logic that governs the functioning of the IRA. The best IRAs providers offer the amazing retirement plans, low-cost investments, extensive retirement tools, efficient customer services, and reasonable account minimums and fees. Do not be under the impression that you can survive solely on the 401(k) plans that your employer offers; it is always sensible to save for a rainy day.
Here are some of the best IRAs that double as a great retirement plan.
E*Trade
E*Trade has been rated as one of the most popular all-around brokers since they offer the prospective customers a wide array of investment products and resources they will possibly need. If you are new to the entire concept of an IRA and how it helps you save for your retirement, you can simply sit back and relax, since E*Trade doubles as a knowledge base where you can learn a lot about how to rollover your IRA, complete an IRA conversion, or simply about how to open a new account. Opening an IRA at E*Trade is beneficial since there are investment choices, no account minimums, and you deposit $10k or more than that and trade free for 60 days.
Merrill Edge
The Bank of America is the parent organization of Merrill Edge, and this is enough to instill a sense of faith in prospective customers. For the more skeptical ones, Merrill Edge offers one of the best IRAs for retirement planning and is quite popular among casual traders who wish to earn money for their retirement. This company offers a potent blend of competitive prices and an efficient customer service. Moreover, this online broker offers an advantage to the members of the parent company who wish to open IRAs here; it seamlessly integrates with the parent company, making it easier for customers to access both the accounts with a single login. New customers can earn 300 free stock and ETF trades for 90 days and are entitled to around $100 to $600 cash bonus depending on the account size.
TD Ameritrade
TD Ameritrade has been hailed as one of the best online brokers that facilitates trading and long-term investment. It offers the best IRAs for retirement planning and ensures that as a customer, you have access to all the information you might need. Opening an IRA with this online broker is quite beneficial since there’s no account minimum you need to adhere to, and you can access more than 100 no-fee ETFs. Moreover, you can receive up to $600 when you decide to roll over your old 401(k). It even has a Chartered Retirement Planning Counselors that will help you with this rollover, and ensure that everything is covered.
Ally Invest
Here’s an online broker that has garnered immense popularity owing to the fact that it is affordable and offers quality services. After its collaboration with Zecco in 2013, there is no looking back; this online broker kept improving at an amazing scale. It offers one of the best IRAs for retirement planning and ensures that as a customer, you will have access to all the trading tools they have, and this surpasses the other Traditional IRA and Roth IRAs when it comes to trading options. You will even receive a refund up to $150 in account transfer feed, and earn $4.95 per trade. It is quite easy to save and earn with this IRA.
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10 reasons why you should own a pair of Chuck Taylor converse shoes
Read moreNow produced by Nike, Converse Chuck Taylors have been around for almost a century. These shoes were typically made to play basketball. But the comfort they provide has made them popular with people across all age groups.
Here are 10 reasons why you should buy a pair now.
- The history is really big on these converse. They were born out of the constant innovation required for footwear in the basketball community.
- They were the first shoes made specifically to play basketball. At a point, 80% of the converse sold were Chuck Taylor’s.
- The Chuck Taylor’s converse you are buying today is the model that was introduced in 1948. So it can be considered a collector’s item.
- Each part of the shoe is intricately designed. The sole is made of brown rubber while the front part is made of white rubber. It is meant to help the person keep their grip. They were the first non-skid shoes ever invented.
- You cannot bruise in these converse shoes. These were made to withstand basketball games. The shoe is made of canvas cotton to help move the feet easily and avoid blisters.
- The logo on the ankle serves as a padding to avoid injury to the player. Ventilation eyelets are small circular metallic rings placed on the sides of shoes. They were added to allow air to circulate inside the shoe.
- The original model was an all white converse. Later came the all black model. Blue and red lines were later added to the trim. They had toe guards, laces and the outer wrap was white. These are the classics and the first of the Converse Chuck Taylor collection.
- Converse are also available in a variety of colors styles, prints, and materials.
- The maker of these shoes went to great lengths to improve the game and popularize it all over the world.
- He changed the ball that was used in the game to a more uniform and grip-worthy design.
- They are unisex and can be worn with any casual outfit.
Converse have become so popular that they have been featured in multiple movies. Even Dennis from Dennis the Menace wore them. Records were set in basketball while athletes played wearing these Converse. They were even used in training by American soldiers in the second World War.
They have several accolades to their name and have sustained through the years simply because of their excellent design and uniqueness. There’s a pair of Chuck Taylor converse being purchased every 43 seconds. When do you plan on getting yours?
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Here’s how to get baby formula for free
Read moreIf you are expecting a baby, you must be aware that with a new baby comes new expenses too. And formula food is one such cost that is absolutely essential. But like so many baby products, baby formula is indeed expensive. And before you settle down on one type or brand of formula food that your little one clearly enjoys having, there are baby formula samples that are available for free. And, though a little effort is required, there are many ways you can get free baby formula samples. Here are a few you can try:
The first stop to find free baby formula samples should be your local food bank. If you could make a call and find out whether they have stock of baby formula, they would gladly give it to you free of cost. Check out the government websites for a list of the local directory of food banks. SNAP (Supplemental Nutrition Assistance Program) and WIC (Women, Infants, and Children) are two federal programs set up to feed families with little children and they could provide free baby formula too.
You may be able to get free baby formula samples from your doctor, pediatrician or local hospitals. Because baby formula manufacturers provide samples for exactly this purpose, that doctors and hospitals pass them on to babies in need of formula food in the hope that they can reach the ultimate user of their product.
If you happen to get your hands on daily newspapers and magazines dedicated to baby and child care, you might find inserts that give coupons for free baby formula samples. And local grocery stores sometimes announce a sale on certain items they carry, this could include baby formula too.
Register online at the many websites that offer free baby formula samples. Manufacturers of formula food like Nestle, Nature’s One, Gerber, Enfamil, Similac and stores such as Amazon or Target have websites/registries where you could enroll and get free sample baby kits that might include baby formulas and also coupons or discounts for future purchases.
While some of these resources need you to qualify as a low-income parent, there are others open to everyone. Try the many different ways mentioned here to get free baby formula samples, from small portions to full-sized cans everything is available for your newborn or infant.