Page not found

Hi we are sister’s ready to spill tea and have chats about sister drama and love,we will also have family and friends here so it will be more fun hope you enjoy 🌹🌻

Categories: Arts

Helping equip the Body of Christ for all generations.

Categories: Religion & Spirituality

This site/podcast covers the EU, Star Wars in Pop Culture, Music, Games, The Clone Wars, Collecting, and what’s going on in the Star Wars Fan Community.

Categories: Uncategorised

Fresnan Lucy Brown interviews women in California’s Central Valley about their lives, friendships, families, relationships, careers, accomplishments, memories of their communities, challenges they’ve overcome, people who’ve enriched their lives, and what makes the Central Valley so special.

Categories: Society & Culture

Every week day, Forbes India’s Hari Arakali, Editor – Tech & Innovation, brings you his take on one piece of tech news that caught his attention, covering everything from big tech to India’s growing tech startup ecosystem.

Categories: Technology

This is the best in Wealth podcast – A show for successful family stewards who want real answers about Retirement and investing so we can feel secure about our family’s future. Scott’s mission is simple: to help other family stewards build and maintain their family fortress. A family steward is someone that feels family is the most important thing. You go to your job every day for your family. You watch over your family, you make sacrifices for your family, you protect your family. I work with family stewards because I am one; I have become an expert in the unique wealth challenges family stewards face. Scott Wellens is the founder of Fortress Planning Group – an independent, fee-only, registered investment advisory firm. Fortress Planning Group is dedicated to coaching clients toward a holistic view of wealth and family stewardship. Scott is a certified financial planner, a fiduciary and has been quoted in the industry’s leading websites including Forbes, Business Insider and Yahoo Finance. Scott is also a Dave Ramsey Smartvestor Pro in the greater Milwaukee and Madison areas. Are you on track for retirement? Do you have enough money saved at this point in your life to retire or reach financial freedom by 65? One of the biggest questions I hear is: How much money do I need to save for retirement? In this episode of Best in Wealth, I do my best to answer that question using the formula Charles Farrell outlines in his book, (https://www.amazon.com/Your-Money-Ratios-Financial-Security/dp/1583334165). You need to take actionable steps now to be prepared for your future. Outline of This Episode[0:35] What do you dream about doing? [3:58] Are you on track for retirement? [11:15] Why you need 80% of your current income [13:51] How do you come up with the $60,000? [17:37] What’s your job now? Get retirement ready with Charles Farrell’s formulaYou need to create a detailed retirement plan to really zero in on your goals and get the right steps in place to prepare. In his book, Charles Farrell shares a simplified version of how much savings you’ll need. I’ll give you some simple guidelines from this book that demonstrate where you should be at each stage of life. The goal is to hit at least 12x your household income in order to retire, so you can live off of 80% of that of your household income in retirement. Charles developed the Capital to Income Ratio. You can use it to find out if you’re on track to get to 12x your income by the time you retire. If your household income is $100,000 annually, you need to save $1.2 million for retirement. So where do you need to be at each age? Here are the income ratios by age, with the approximate amount you should have saved if your household income is $100,000 annually: Age Income Ratio Savings Required 25 0.1 $10,000 30 0.6 $60,000 35 1.4 $140,000 40 2.4 $240,000 45 3.7 $370,000 50 5.2 $520,000 55 7.1 $710,000 60 9.4 $940,000 65 12 $1.2 million So are you on track for retirement?Based on the table above—are you on track for retirement? Here’s how to calculate it: Take your household income and multiply that by the income ratio that correlates with your age to see if you’re currently on track. It’s easy to calculate if you’re paid a salary. If you aren’t, count the average of your pay for the last 4 years as your income. By the way, by money saved, we’re talking about things such as your 401k, IRA, annuities, CDs, life insurance, checking and savings, real estate, etc. Please note that your home is NOT a capital investment. How do you live on 80% of your current income?How do you live on 80% of your current income in retirement if you need 100% of it now? Where did Charles come up with that number? If you’re going to get to 12x your income by retirement age, you have to be saving 12–15% of your $100,000 annual income to get there. If you’re saving 12% now, you really only need 88% of your income to live off of. In retirement, you won’t be saving for your retirement anymore. Plus, your mortgage should be paid off by the time you retire. If your mortgage accounts for 20% of what you pay and we take off another 12% for savings, 7.65% for social security taxes, that brings you down to $60,000. So you really only need $60,000 to live off what you’re making right now. Social security will play a role—it typically replaces 20% of your income. If you’re making around $100,000 a year, it will make up the other $20,000 to bring you to the projected $80,000 a year in retirement. You want that extra $20,000 cushion to account for things like yearly inflation, medical expenses, or perhaps even vacations. Keep listening to find out why I think the 5% rule can be dangerous—and what I think you should do instead. What is your job now?But Scott, what if I’m not on track? Are you anywhere close? What if you’ve fallen behind? If you’re not on track for retirement, your job is to get on track. Once you figure out what you should have saved at your current age, there are some things you can do: If you’re 50 years old and you don’t have half a…

Categories: Business, Education, Kids & Family

Tags: Advisor, Finance, financial, investing, Management, Market, personal, Retirement, stock, stocks, Wealth

Say What – Language, True Crime, History, Pop Culture & Feminism From true crime to music, films, myths, legends, ancient history, folklore, and everyday life, join me as I rub shoulders with the glitterati of language, all wrapped up with a radical feminist bow, to discover where some of our everyday words come from, how they came to mean what they do today, and who are the folks responsible. So we’ll be rocking through dictionaries, encyclopedias, religious texts, newspapers, magazines, lyrics, books, and social media to learn why we say what we say.

Categories: Society & Culture

What is life like outside college? What would you want life to be like, if you were back in college? What needs to change about the way classes are taught, exams are conducted… college is run? What do people do in an office anyway? Welcome to the Back to College podcast, where we speak to folks who’ve been there and done that: in college, and in their careers – about what can be done to make education more relevant. Cover art photo provided by Joanna Kosinska on Unsplash: https://unsplash.com/@joannakosinska

Categories: Education

We explore ending our criminal approach to drugs and regulating the market again. If you’re not sure what that sentence means, you’re in the right place. We start at square one, where we were as staunch supporters of the War on Drugs. What changed our minds? Welcome to the show.

Categories: Society & Culture

A Young couple just saying what we feel and what we live. Support this podcast: https://podcasters.spotify.com/pod/show/BreDanJustLikeYou/support

Categories: Comedy

ANYTHING YOU WANT TO KNOW CONCERNING THE AGGRESSIVE HARLEY DAVIDSON RIDER ON THE STREETS OF THE ENTIRE WORLD ATLANTA IS HOME BASE. FHO HAS BRANDED ITSELF TO BE A MOVEMENT, SO GET ON BOARD GRAB YOUR SEAT BELT AND HOLD ON. JUST KNOW THIS IS GROWN FOLKS SHIT SO ENJOY, SOME OF THE LANGUAGE MAY BE CONSIDERED A BIT HARSH BUT TRUST ME ITS JUST THE WAY WE TALK NO HARM NO FOUL, I GUARANTEE RACISM DOES NOT EXIST ON/NEAR OR WITH FHO. BIG CELL IS THE HNIC OF FHO AND HE TRIES HIS BEST TO KEEP YOU UP TO DATE ON ALL HDMC RELATED ISSUES AND SINCE FHO HAS EXPANDED INTO MORE THAN RACING WATCH BIG CELL AS HE TRIES TO JUST BRING ABOUT HIS MESSAGES OF LOVE, PEACE AND HAPPINESS. AGAIN ALL COMMENTS ARE WELCOMED AND REMEMBER FHO IS THE TRUTH NOTHING WATERED DOWN. SO ENOY AND JUST REMEMBER RIDING YOUR MOTORCYCLE IS ALL THAT I ASK OF YOU COCK SUCKA’S. AND DONT FORGET TO VISIT THE WEBSITE FOR ALL MERCHANDISE T SHIRTS, HOODIES, ETC. WWW.FASTHARLEYSONLY.COM

Categories: Education, Leisure

Hosted by Silicon Valley entrepreneurs and investors Adam Jackson and Gabe Luna-Ostaseski, “The Way Work Should Work” explores new business models, incentive systems and ownership structures that will affect how every single one of us works. We’re joined by top tech investors, business leaders, and academics on the front lines shaping the future of work. This podcast is produced by Braintrust, the first user-controlled talent network that enterprises use to access highly skilled technical talent without hefty markups. Learn more at UseBraintrust.com

Categories: Business

Come one, come all! Join seats with Rashedia (and company) as she digs in about her personal experiences, trending topics around the world, black love, and more. The ups, downs, laughs, and everything in between. Buckle up as she unpack the beauty and the beast with love and consciousness one episode at a time. This down to earth writer will have you laughing, crying, deep thinking, and hopefully healing through these embracive talks of love and life. Are you ready to start this healing journey?

Categories: Society & Culture

Voice acting is difficult, marketing your voice over career is REALLY difficult. Each week join Steve O’Brien, 20 + year voice actor veteran, as he talks with industry and business pros who give advice on “cracking the marketing code” to give your voice over career the boost you need.

Categories: Arts, Business, Technology

Tags: voice over, voiceover

The Kolel L’Horaah Ma’asis of Crown Heights serves as the premier educational institution for young rabbis aspiring to serve as rabbanim and poskim in communities worldwide. We welcome your questions or comments on the shiurim and related topics! WhatsApp: (929) 388-3779 – Email: kolelquestions@gmail.com

Categories: Religion & Spirituality

Podcast by Cassie Smyth

Categories: Education

Welcome to our Channel! We are so excited to bring you our video podcast channel “A Pair of Thoughts” with twin host, Slim and Relay. We are so excited to bring our thoughts and experiences to everyone that tunes in. We hope through our experiences, we can help you all overcome some daily life challenges. As professional women who are also mothers to adult children, we have had our share of journeys and continue to learn everyday. Our perspectives and views are surely ours but why not share. Maybe it will spark something in all of you! Instagram:https://www.instagram.com/apairofthou…Facebook:https://www.facebook.com/profile.php?…TikTok:https://www.tiktok.com/@apairofthough…You can also find us on the following Podcast Stations:SpotifyApple Podcast Amazon MusicGoogle PodcastiHeart RadioYou can find Relay’s art work on Instagram https://www.instagram.com/tpuryearart…Interstate Vodka on Instagram https://www.instagram.com/interstatev…

Categories: Comedy, Health & Fitness, Society & Culture

Tags: A Pair of Thoughts, adultchildren, be kind, Choose Happiness, death of parent, divorce, grandmothers, grief, Identical Twins, Life is Good, love, marriage, mothers, Parent Talk, purpose, relationship talk, single over 40, Women over 40

One of the most important things we can do is to recite affirmations about ourselves. But some times that can be very challenging, because we don’t know what to say or we don’t believe there is anything positive to call out. Aimee J. is here to be your personal hype man to help you kick start your day by reminding you of how awesome, loved, and needed you are among other things. Join Aimee as she shares these affirmations with you as well as gives her two cents for the day.

Categories: Education, Health & Fitness