Multiply by 25 and 4 Percent Retirement Rules of Thumb How much money will you need in retirement? Two popular rules of thumb outline the answer. The "Multiply by 25" rule and the "4 Percent" rule are often confused with one another, but they contain a critical difference: one guides how much you should save, while the other estimates how much you can safely withdraw. Multiply By 25 Rule The Multiply by 25 Rule estimates how much money you'll need in retirement by multiplying your desired annual income by 25. For example: If you want to withdraw $40,000 per year from your retirement portfolio, you need $1 million dollars in your retirement portfolio. ($40,000 x 25 equals $1 million). This rule-of-thumb estimates the amount that you can withdraw from your portfolio. Why that much? Meanwhile, inflation tends to erode the value of the dollar at roughly 3 percent per year. Read More: The Rule of 72 and the Rule of 115 4 Percent Rule The 4 Percent Rule, however, guides how much you should withdraw annually once you're retired. What's the Difference?
29 Creative Ways To Give Kitchen Trash A Second Life Advertisement Meal planning and smart shopping goes a long way toward reducing food waste. Kitchen hacks for extending the lifespan of fresh food help too. But what about the peels, stems, and wrappings we throw away without a second thought? Well those can be upcycled too! 1. Source: downtoearthstyle.blogspot.com Once a week, mix grounds in your conditioner for smoother, shinier hair. 2. Source: earthgivenkitchen.com Both of these delicious foods can be regrown from their stumps. 3. Source: yougrowgirl White and sweet potatoes that have sprouted eyes can be planted in soil (or water!) 4. Source: recipris.com These oddly shaped containers have lots of uses: keep ornaments safe, store golf balls, start herb seeds, use as disposable paint pots for little ones… 5. Source: realfoodchronicles.com Add fresh peels to smoothies for extra fiber and nutrients. 6. Source: kiwimagonline.com These wax covered cartons are hard to recycle, so why not make a little birdhouse? 7. Source: grassfood.me 8. 9. 10.
If the Moon Were Only 1 Pixel - A tediously accurate map of the solar system Mercury Venus Earth You Are Here Moon Mars Jupiter Io Europa Ganymede Callisto Saturn Titan Uranus Neptune Pluto(we still love you) That was about 10 million km (6,213,710 mi) just now. Pretty empty out here. Here comes our first planet... As it turns out, things are pretty far apart. We’ll be coming up on a new planet soon. Most of space is just space. Halfway home. Destination: Mars! It would take about seven months to travel this distance in a spaceship. Sit back and relax. When are we gonna be there? Seriously. This is where we might at least see some asteroids to wake us up. I spy, with my little eye... something black. If you were on a road trip, driving at 75mi/hr, it would have taken you over 500 years to get here from earth. All these distances are just averages, mind you. If you plan it right, you can actually move relatively quickly between planets. Pretty close to Jupiter now. Sorry. Lots of time to think out here... Pop the champagne! We're always trying to come up with metaphors for big numbers.
Personal Finance What is a Digital Nomad, and How to Become One Becoming a digital nomad has been a long time dream of mine that I have finally started to work on realizing. A digital nomad, in short, is someone who earns their income entirely online, thus being able to work from anywhere: location independent. To most people this sounds like a hoax, or an impossible myth. To others, it is a whole new world. Work from your couch at home. No. What is a Digital Nomad To put it simply, a digital nomad works from their computer and sets their own schedule. After a month or two, you want to experience something other than the big city.. What if the travel life is not for you? How to Become a Digital Nomad So let’s get to it – what are the jobs that allow for such freedom? Freelancer. Blogger. Youtuber. Producer of Digital Goods. Ebooks.WordPress themes.Stock photography.Design elements (fonts, buttons, icons, etc) You can get some more ideas of digital products at the Envato marketplaces or Creative Market. Consultant. Affiliate Marker. Photos from Unsplash.
Tutorials Ponzimonium After Bernard Madoff's $65 billion Ponzi scheme was revealed, many new (smaller-scale) Ponzi schemers became exposed. Ponzimonium ... Quarterly Earnings Report A quarterly filing made by public companies to report their performance. Hippie girl’s packing guide: 10 of my essentials What does it mean to me to be a modern hippie girl? It means I feel as comfortable barefoot as I do in heels. It means I can spend the night at a 5-star resort one night and the next night camp on the beach. It means I am independent and self reliant. Here is my hippie chick packing guide. 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. Now that you’ve read my list all you have to do is find some flowers to put in your hair. * post written by Kyra Bramble. Tags: backpacking, beauty, guide, how to, packing list, tips
Our Free Online Investment Stock Portfolio Tracking Spreadsheet What is this Stock Portfolio Tracker in a Nutshell? The stock portfolio tracker is a FREE Google Spreadsheet hosted at Google that can do the following: Track your stocks, shares or bonds by transactions You can enter Buy, Sell, Stock Splits, Rights Issues (or Cash Calls), Cash Dividends, Stock Dividends, Gift StocksShow you each of your asset (stocks, bonds) realized returns, unrealized returns, cash dividends receivedAUTOMATICALLY UPDATES STOCK PRICES. If the shares symbol can be found on Yahoo Finance, chances are you don’t have to key in prices yourself. Every time you login to your spreadsheet on your phone, computer or anywhere, that is very up to date prices automatically.Embed your portfolio in your own websiteAccess your portfolio on your iOS, Android phones via Google Docs App Update: Would like to Thank Everyone for the support! Update 2: Would like to thank the first time visitors from Old School Value and Bogleheads. Why do we need another portfolio spreadsheet? Legend 1. 2.
The Ultimate Guide to Traveling Without Money To most, the thought of living without money seems impossible, if not altogether terrifying. But a small and growing population of citizens all over the globe are choosing to live that way. Take Heidemarie Schwermer of Germany who has lived without money for 17 years and counting, or Daniel Suelo, who lives in the caves outside Moab, Utah, and hasn't touched money in over a decade. It's impossible to ignore the spark in their eyes when they say their lives are genuinely happier and more abundant without money. Naturally, the money-free life is a debt-free life. But the heart of their decision goes much deeper than freedom from the shackles of debt. The moneyless creed is hardly radical or new; it's rooted in values we learned in kindergarten: share, take only what you need, love your fellow man, and trust that if you do these things the universe will provide. The Ultimate Guide to Traveling Without Money TRANSPORTATION: Getting from Point A to Point Z Internet Sites For Finding Rides Trains
Which Food Containers Are Safe for the Microwave? - Real Simple Some materials are fine in the microwave and some aren’t (see below). And then there’s plastic. You’ll find experts who say no plastic containers should be used in the microwave—ever. “The material contains chemicals that may leach into food when it’s heated,” says Olga Naidenko, Ph.D., a scientist with the Environmental Working Group, a health-research organization. However, the U.S. Food and Drug Administration (FDA) has deemed that plastics labeled “microwave-safe” are suitable for microwave use. Go for It! Glass and ceramic dishesPaper plates, towels, and napkinsWax and parchment paper Not So Fast Aluminum foilBrown paper bagsCold-storage plastic containers (such as margarine, cottage-cheese, and yogurt tubs)Onetime-use plastic containersDishes with metallic paint or trimFoam-insulated cups, bowls, plates, and trays Clean in 90 Seconds
Overcoming Consumerism Citizen-Activist's Anti-Consumerism site Rob Greenfield's Guide to Dumpster Diving I desire to put an end to food waste and hunger in America. Sure it’s a lofty goal, a seriously lofty goal, but I believe that it is possible. In my youth I see a time when every dumpster in America is completely void of all food. But in the mean time our dumpsters are full of perfectly good food and we may as well eat it! First and foremost I encourage grocery stores to donate their excess food rather than throw it in the dumpster. I want you to hit the dumpsters! Our grocery store dumpsters in America are filled to the brim with perfectly good food and I’ve been in over 1,000 dumpsters in 25 states across the country to see for myself. Two years ago I had never dove into a dumpster in my life and I had no clue that we are wasting so much food. This is Madison, Wisconsin: This is Detroit, Michigan: This is Cleveland, Ohio: This is Lancaster, Pennsylvania: This is Burlington, Vermont: This is San Diego, California: This is Los Angeles, California: Step One (the Only Step) Etiquette When to Go