Are you on the verge of retiring? Then you must start thinking about your post-retirement investments. You must look for safe investments that will give you a good annual return. It is not possible nowadays to get 5% to 7% ROI. But there are many safe places to invest.
To find out safe places you need to know the type of investments that provide the protection of principals- FDIC insured money market accounts, savings accounts, and short term CDs. You will get around annual yields of 1% or so if you look for the highest paying accounts.
You may go to those high-yield checking accounts, who make you jump through lots of hoops like doing a fixed number of transaction every month. Here you may look for a little more, like 1.5% return. Most of the times they limit the amount $25,000 or less, on which they will pay their highest rate.
You can go to a longer time CD. There you may get around 2% returning. But Financial Industry Regulatory Authority alerts advice to be very careful about the pitches for high yielding CDs. They can even drag you towards several other retirement investment plans.
All these accounts will help your money to grow fast but tax-free. You need to pay the tax only when you take out the money from your account and close it. Though this does not happen with Roth IRAs. Here no tax is due at the withdrawal of the money. If you take out the money before reaching the age of 59 and a half, mostly you will need to pay a 10% penalty added to the regular income tax.
The Internal Revenue Service has their own complicated rules and regulations for different types of retirement accounts. There are certain tax breaks which are only available to those people having a certain amount of income. So you need to check the IRS website very well for details or go to your account.
If you are doing a thorough retirement investment planning, then keep this information handy!
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Some of the popular must-have appliances for home
Read moreWhether it’s about cooking, watching TV, rinsing your clothes, or having a nice indoor barbecue, getting the right appliances for your home can drastically change the way your daily chores work. With the rising prices on appliances and everyday utility devices, appliance deals do matter. But what is important is to you get the best out of these appliance deals and pick the popular appliances from at a discount rate. Here are the top five highly recommended appliances you must have in your home:
Split Air Conditioners
Split air conditioners are amongst the king of appliance deals. From being featured in attractive discount appliances sale to providing sufficient cooling in your home, split air conditioners can make your life easier. If you’re prone to eczema or itchy, dry skin conditions, getting a split air conditioner can help.Robotic Vacuum Cleaners
Now you do not have to worry about the housekeeper missing a day or two! Robotic vacuum cleaners come with state-of-the-art technology and are becoming a part of the biggest appliances sales across the country. These are intelligent, vacuum tough-to-reach areas, and most importantly, come with a recharging bay. Prices from basic to advanced models can start from $100 a unit and go to $300 a unit and beyond, respectively.Washer and dryer combo
Good washer and dryer combos can make your laundry sessions super comfortable and are a part of the main discount appliances. These can be easily accommodated in small homes, are very technologically advanced and look stylish too. They can wash and dry your clothes in one go, and often come with exclusive features like touch panels, quick diagnosis, and Wi-Fi Control for a hassle-free laundry experience. You can choose a model depending on the amount and kind of clothes you usually wash. They are adept at removing pollen, pet hair, and dust from your clothes too.Electric Kettles
Tea and coffee are the top two beverages in everybody’s lives. Getting a decent electric kettle can supercharge your day and allow you to drink tea or coffee whenever you wish to. Electric kettles help you save time, and some models come with a timer function so that you don’t have to worry about when that boiling water or coffee is ready. They are simple to use and very convenient. -
Best websites to buy cell phone cases from
Read moreIt is not just about having a mobile phone today. What really matters for many of us now also is the phone case while some need fancy, good-looking cases, some need phone cases for protecting their smartphone. Now the confusion is where should one buy phone cases from? Should one go down to a store or should one shop for phone cases online?
Online shopping these days for the phone case is a rage today, with nothing but the best being available. There is a whole big range of phone cases available on multiple online portals for any brands, kinds and varieties of mobile phones. In some rare cases, certain phone cases are available only if one shops online. When one shops online, it is important to shop from safe and secure websites and popular shopping websites to get the latest and quality cell phone cases.
cellularoutfitter.com is one of the largest and best-selling phone cases websites. The cases are usually sold at a wholesale price and with discounts. The outfit for your mobile is just going to be as trendy like your attire!
What makes cellphonecases.com unique is its return policy of 365 days and free shipping. Even at the lowest prices, they have coupon codes for every customer. They sell iOS, Windows as well as Android cell phone cases.
urbanoutfitters.com have unique mobile cases. Examples could be their LuMee Duo lighting cell phone case. This is specially developed by a professional photographer and for those who like to capture photographs, the phone-case features studio-quality lights at the front and back sides of the case. The case is a perfect fitting for many smartphones. The light brightness can be adjusted accordingly. Durability is another advantage of LuMee Duo lighting cell phone case.bestbuy.com is definitely a popular website for online shopping. It has got the best of the best deals. It has got diverse mobile cases like battery charger case, standard case, modular case, armband case, holster case, flip covers, etc. for almost any and every mobile. Simply scroll through the website to pick your favorite mobile cases for a fancy choice or plainly for protection.