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5 Sources for Sound Retirement Investment Advice

One of the most sound retirement investment advices is to invest well and retire rich. Who wouldn't want this, right? It is important that you start early so that you can take advantage of all your options along the way. The earlier you do this, the better it is for your financial future. Here are some sources and ways that you can do to have sound and informed retirement investment advice:

1. Look for online investment calculators

These may not be a 100% accurate, but it can give you a raw overview of what you should do when planning for your retirement. It will tell you how to save up and how much should you save up monthly to enjoy your golden years. This will also show you how to achieve your financial goals and how you currently stand economically.

2. There are a lot of online advice you can read

There are articles written to give advice for people intending to start early in fulfilling their retirement goals.

It is important that one has to get all the information they need when they want to come up with an informed and well-researched decision on making investment. The internet is the best venue for all the information that you seek.

3. Look for a certified planner

Let?s face, there a people who are trained and have a keen sense when it comes to financial projections and stuff like that. It is best that you look for someone who is in the position that can give you sound advice. They can give you inputs on how to invest, where and when to do it and what kind of financial return you can expect from the investments that you have made.

4. Consider everything like financial crisis

There are things that are uncertain like medical bills and emergencies.

Make sure that if you seek retirement advice you ask about these factors and get sound advice. There will come a time that you will suffer from financial reverses so it is best to prepare properly for these as well. Research on these aspects and find out what is the best way to avoid suffering when financial crisis such as this one arise.

5. Listen to those who are already retired

One of the best people to give retirement advices is those who are retired! Listen to what these people have to say, especially if they have been retired for a long time. They are one of those in the best position to give you sound advice when it comes to retirement plans and how to better prepare for it. They know how it?s like and they have been on that road already so they will know the things involved in proper retirement planning

It?s important to put away money for your older days so wise up and take sound retirement investment advice. Look at all your options and decide on which path you will take. Come up with a retirement that will help you reach your financial goals and help you be well-settled in the future.

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Operation Coming Home: Understanding Veterans' Employment ...

By Tamika Butler, Legal Aid Society-Employment Law Center

As a military kid, I saw the high price service members and their families pay during deployments and upon returning home from combat.? I knew soldiers who suffered serious injuries and family members who needed time off from work to help them recover.? Now, as a non-profit lawyer who advises employees about their rights, I am in a position to advise these soldiers and their families about the protections they are entitled to in the workplace.? These areas of law, described below, are particularly important as troops are returning to work after serving in Afghanistan and Iraq.

Family and Medical Leave Act (FMLA)
To provide care for injured service members and veterans and to ease the transition for service members and their families from military life to civilian life, the FMLA offers two types of leave: exigency leave and military caregiver leave.? Exigency leave provides eligible employees up to 12 weeks of leave for situations arising out of a service member?s deployment, service, injury, reintegration, and other events that place some extra burden on the employee?s time or attention.? For example, a family member can take leave to provide urgent childcare or make alternative childcare arrangements for the child of a military member when required by the military member?s active duty or call to active duty. This leave only applies to family members of service members in the National Guard or Reserves.

Military caregiver leave allows eligible employees to take up to 26 weeks of leave to care for a covered military member or veteran with a serious injury or illness. A covered service member is any member or veteran of the armed services, including the National Guard or Reserves.? It can be taken by a spouse, child, parent, or next of kin of a covered service member who requires care.? A serious illness or injury is defined as an illness or injury sustained by the member in the line of duty, while on active duty, that makes the service member medically unfit to perform duties of his rank.

Uniformed Services Employment and Re-Employment Rights Act (USERRA)
When troops return home from deployments, many hope to return to their position in the civilian workforce.? For numerous service members, the USERRA extends reemployment rights to persons who have been absent from a position of employment because of ?service in the uniformed services.?? To be eligible, a member must have been discharged under honorable conditions, served for less than five years cumulatively, and provided advance notice of the leave and an intent to return.? The deadline for submitting a request for reinstatement depends on several circumstances, but if the service member sustained injury while on military duty, she has up to two additional years to seek reinstatement.

While on military duty, a service member?s employer must continue her health insurance for 30 days, and military service must be considered service with the employer for vesting and benefit accrual purposes.? When the service member returns, the employer is required to place her in the position she would have occupied with reasonable certainty if she had remained continuously employed, including any pay raises and promotions.? Finally, employers cannot discharge the employee except for cause for a period of time after the date of reemployment.

The Americans with Disabilities Act (ADA), and the ADA Amendments Act of 2008 (ADAAA)
The ADAAA specifically mandates that episodic impairments or those in remission, such as post-traumatic stress disorder (PTSD) ? a disability experienced by a number of returning veterans, are qualifying disabilities if they cause substantial limitations when active.? This clarification facilitates members? ability to obtain protection against discrimination on the basis of their disability, reasonable accommodations, and other protections under the ADA.

California Law and Veterans
With 32 military bases and thousands of service members and veterans employed within the state, California recognizes the need to protect service members and their families and has enacted laws to do so.? Under the California Military and Veterans Code Sections 394 and 395, employers cannot terminate employees or make adverse employment decisions against service members for performing their ordered military duties.? The California Family Military Leave Act provides employees who are spouses of service members with up to ten days of unpaid leave when the service member is home temporarily from the deployment.

Transitioning back to life outside of the combat zone, especially for soldiers with serious injuries or illnesses, is a mission that no service member should have to go through without the support of her family and civilian employer.? The laws described above ensure that our service members and veterans can return home and feel supported.

Tamika Butler is the John and Terry Levin Fellow at Legal Aid Society-Employment Law Center and would like to thank law clerk Katherine Zhao for invaluable help with this blog post.

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Toothy Expressions Grab Attention

60-Second Science | More Science

People looking at a crowd more readily spot those faces that show teeth, whether smiling or snarling. Sophie Bushwick reports

June 22, 2012

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To make a big impression, you?ve got to grin and bare it?your array of teeth, that is. Because people gazing at a crowd find it easier to spot someone with a toothy facial expression, whether it?s a happy smile or an angry snarl, than someone with a tight-lipped mug. The finding is in the Journal of Vision. [Gernot Horstmann, Ottmar V. Lipp and Stefanie I. Becker, "Of toothy grins and angry snarls?Open mouth displays contribute to efficiency gains in search for emotional faces"]

We apparently evolved to spot people experiencing certain emotions quickly, a phenomenon called the emotional-face-in-a-crowd effect. Some studies indicated that angry-looking people jumped out at onlookers. Other studies said it was happy faces. The conflict may have stemmed from the type, or rather the toothiness, of the angry and happy faces used in the experiments.

To clear up the discrepancy, researchers created two facial expressions for each emotion, one with bared teeth and one without. They also created a neutral face. A dozen adults then had to pick out the target emotion from a group of faces. And they did it twice as fast when the target?s teeth were visible. The study thus fills a cavity in our understanding.

?Sophie Bushwick

[The above text is a transcript of this podcast.]????
?

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NAACP Defends Creflo Dollar

elev8.com:

NAACP is supporting Creflo Dollar by categorizing the events of earlier this month as discipline.

Fayette County deputies responded to a domestic disturbance call. Authorities say Dollar physically assaulted his 15-year-old daughter.

Read the whole story at elev8.com

Contribute to this Story:

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If These Sunglasses are Good Enough for Buzz Aldrin, They're Good Enough for You [Daily Desired]

See those glasses in Buzz Aldrin's left hand? They're not Ray Bans, they're American Optical Pilots made right here in the USA. These—not some Italian-crafted designer shades—are the glasses that went with Neil and Buzz to the lunar surface on Apollo 11. More »

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Oil prices rise, drop, and rise again. Buckle up, Earth.

Predicting global oil prices is not easy. Prices have more to do with global politics -- and supply and demand -- than with politicians, but voters take out their anger on the leaders they can reach.?

By Scott Baldauf,?Staff writer / June 6, 2012

A sign for $2.99 a gallon gasoline is seen as vehicles wait for a traffic light to turn green at a Hot Spot convenience store on the corner of Henry and Converse Streets on June 1, in Spartanburg, S.C.

Rainier Ehrhardt/AP

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For sheer roller-coaster thrills, picture yourself as an oil market analyst.

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Imagine the challenge of (correctly) predicting the future price of oil and all those wonderful fuel products Americans love to use, in the midst of a crucial election year.

When oil-producing countries like Iran, Iraq, Libya, and Nigeria, become unstable, oil prices can soar. When economies shrink in energy-consuming places like Europe and the United States, oil prices can sink. When both trends happen at the same time, oil market analysts dig into their pockets for a coin to flip.

In February, when oil prices surged over $110 a barrel, some oil analysts were predicting an End Times scenario, where the US economy would go into a fetal position, rocking back and forth and singing Adele songs. Fox News Channel, the drama queen of the global news pageant, was betting that gasoline pump prices were likely to hit $8 a gallon, a factoid that, at least for now, appears to be utterly false.

RELATED: Eight ways $100 oil may affect you?

Early this week, crude oil prices had dropped to $84, driven downward by the lower demand of a contracting global economy. Gasoline prices are dropping with them, down to a national average $3.56. This is significantly higher than the 26 cents it cost to fill your father?s ? or your grandfather?s ? Oldsmobile, but the dollar is worth less today than it was in the 1950s. In inflation-adjusted dollars, we have been paying $10 to $30 a barrel for the past 160 years or so, with just a few major spikes in 1860-1861, 1979-1980 and 2007-2008.

Now the bad news has gotten so bad, it?s good. On Wednesday, oil prices shot up again to $85.56 a barrel, ahead of Federal Reserve chairman Ben Bernanke?s testimony before Congress, as oil market analysts bet that he would urge for some kind of stimulus package.

Aside from gasoline price swings from nearly $4 a gallon to $3.50, the volatility of oil prices has other effects. Higher oil prices, which drive up the cost of production, make factory owners think twice about expanding. High oil prices also encourage consumers to start thinking about conservation, such as turning off lights and buying fuel efficient cars. But high oil prices also make oil exploration in new places more attractive. And as oil companies start finding oil in untapped fields in Kenya, North Dakota, Ghana, Alberta, Israel, and Somalia, that increases the overall supply of oil, which ends up driving prices down again.

A growing global supply of oil might seem to be the solution to America?s economic doldrums, but this solution brings a host of ecological problems, according to Foreign Policy magazine?s Steve Levine.

Already, carbon emissions last year reached levels that are linked by scientists with a 2 degree rise in global temperatures over the past 50 years, according to the International Energy Agency. But if carbon emissions continue to rise ? as they will if more energy is produced, and if energy prices drop enough for people to consume more of it ? the world will ?blow through? emissions targets agreed to in global treaties.

So this provides what may be the most vexing moral dilemma of our times: to grow, or not to grow. That is the question.

One thing you will notice about this process: It has very little to do with politicians. These days, the price of oil is determined more by roughnecks in greasy denims or Wall Street futures traders than by Middle Eastern oil sheikhs or White House economists. But voters, driven by fear or angst, still feel the need to punish the man in charge for their economic suffering. And in an election year ? as former French President Nicolas Sarkozy can attest -- the economy matters above all else.

The roller coaster continues. Buckle up, Mr. Obama.

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