Ballet Shoes T Shirt, Quilt Fabric Block, Tote Bag, Apron, (sweatshirt, Hoodie Available On Request) #590 - Free Shipping

Ballet Shoes T Shirt, Quilt Fabric Block, Tote Bag, Apron, (Sweatshirt, Hoodie Available On Request) #590Choose a custom short or long sleeve t-shirt, Quilt Fabric Block, Apron, Tote Bag. Additional available products are; sweatshirts, hoodies and Pillowcase . Please contact me to special order. Some designs available in youth sizes.Design will be printed on the front of the garment unless requested otherwise. The exception to this is hoodies where zippers and pockets may obstruct the printing space.3XL, 4XL & 5XL NOT available in LONG SLEEVE LAVENDER & GREEN (Please order short sleeve style or a different color) 6XL only available in short sleeve and is NOT available in LAVENDER or GREENLong & Short sleeve GREENs & LAVENDERs are two different color shades.*IMPORTANT NOTE* Long Sleeve LAVENDER are a ladies cut shirt and run smaller than the unisex sizes. COLOR: Fabric colors can influence the final print colors. This image shows the design printed on white. Computer monitors can depict colors slightly differently. Design Measurements: 13" x 10.5"T-shirt Sizing: Measurements are taken across the chest (armpit to armpit) and down the back from the top of the collar to the bottom of the hem.Small 18" x 28" (45.72cm x 71.12cm)Medium 19" x 29" (48.26cm x 73.66cm)Large 22" x 29" (55.88cm x 73.66cm)XL 24" x 31" (60.96cm x 78.74cm)XXL 27"x 31" (68.58cm x 78.74cm)3XL 29.5" x 31.5" (74.93cm x 80.01cm)4XL 30" x 32.5" (76.2cm x 82.55cm)5XL 32" x 33" (81.28cm x 83.82cm)6XL 33" x 33" (83.82cm x 83.82cm) I complete orders as I receive them. Please allow 3-5 business days for order to ship depending on my volume. If you need your order fast, please contact me for a rush order.RETURN POLICY: Returns are accepted, however you are responsible for return shipping. Original shipping is non-refundable unless I made a mistake on your order. Item must be in original new & unwashed condition and returned within 14 days. Please email to make return arrangementsDesign measurements: 13" x 10.5"

The authors of the study assume you will live to be 100 years old, by the way, if not 105 years old. As you do. The Wall Street Journal breezily calls this arrangement “retiring on your own terms.”. You can call it retiring on your own terms, the same way you can call buying a private jet and a ranch in Telluride, Colorado living on your own terms – the terms, that is, of fantasy and not reality. It’s simply a math problem. Let’s say you are in your 40s, making $150,000 a year, a generous salary in almost any city in the country. The taxman cometh, does he not? That $150,000, after taxes, becomes the slightly less dazzling sum of $100,000 a year.

It would be churlish to complain about such a salary, however: $100,000 a year is still far more than many Americans dream of, particularly in this less-than-stellar economy, and certainly at the upper end of the middle ballet shoes t shirt, quilt fabric block, tote bag, apron, (sweatshirt, hoodie available on request) #590 class, Now you have to save that money as well as living on it, How much can you save? A standard and sensible budget, advocated by LearnVest and others, is to use a simple formula called 50/20/30, This means that you spend 50% of your salary on expenses, Another 30% goes to lifestyle expenses – the things that make life liveable unless you prefer living in a hut: cable and phone plans, clothes, books, gym fees, childcare and pets, restaurants and entertainment..

Then the final 20% goes to saving for retirement. This is a reasonable budget. If you save more than 20% of your salary for retirement, you’re giving up enjoying your present life: you’re dedicating yourself to living in holy denial of all worldly pleasures like a monk or a nun, in the hopes of a lavish, or at least an exceedingly comfortable, life when you’re over 60-years-old. Twenty percent for retirement is, by the way, an aggressive goal. Most people save much less. So let’s say that, with your net pay of $100,000 a year, you set aside 20% for retirement. That gives you $20,000 a year, saved, every year, to make your retirement as comfortable as possible. That’s $20,000 a year you’re now foregoing, not putting it into school fees, into trips, into anything you might need at the moment. It’s locked away with a retirement chastity belt – in a bank account, by the way, not in stocks.

And once you reach this pinnacle of saving virtue, how long would it take you to reach your goal of $2.2mn for retirement?, Only a mere 110 years, Yes, if you ballet shoes t shirt, quilt fabric block, tote bag, apron, (sweatshirt, hoodie available on request) #590 save $20,000 a year, you can expect to collect your $2.2mn in some future utopia, perhaps from the Starship Enterprise’s ATM, which you will reach using your Jetsons jetpack, At that rate, you’ll have had to make arrangements with science to keep your brain in a jar, pulsing for half a century past the normal mortality rate, Ten years and a century seems a daunting amount of time to live past the age of 40, much less to save, So let’s say you save more aggressively, How does 30% sound? You give up a few family vacations; your children go to community college..

If you save 30% of your salary, or 30% a year, it will take you 73 years to get to $2.2mn. Saving for 73 years is ambitious if most charts tell you you’re lucky to live for another 40-50 years after your prime working years. There are also a lot of impossible assumptions in this aggressive plan: for instance, that even if you reach $150,000 a year in annual salary, that you’ll make it nearly forever, never suffering a layoff or taking less pay. That’s a far-fetched expectation. High salaries, as a rule, don’t last forever. Older workers, particularly women between the ages of 45-54, are currently leaving the workforce in the greatest numbers, partly because there is no work for them. The salary of your prime earning years doesn’t last very long.

Maybe you think this is all a bit severe, After all, ballet shoes t shirt, quilt fabric block, tote bag, apron, (sweatshirt, hoodie available on request) #590 can’t you put your money in the stock market, where it can earn some returns?, You could – and earn 4% to 6% a year, conservatively, which would help you along, But this plan doesn’t trust the stock market, Ideally, your $2.2m would all be invested in “riskless assets” (no such thing, by the way; every investment carries some risk, even if low), In this case, the riskless asset that you should favor is a kind of Treasury bond that protect you against inflation, So far so good, except that no risk means no reward – which is why you should assume “a rate of return of zero”..

That’s where this gets completely out of hand. And yet the authors of the study imply that failing to achieve these incredible savings is a matter of mere discipline. “Well-run … pension plans provided retirement income for generations. When plans failed, it is because they broke the rules. The same applies to individuals. By understanding a set of rules on how much to save and how to invest and then sticking to those rules – that is, by making a pension promise to oneself – retirement income goals can be met.”.

This is absurd, This is why the cult of “saving for retirement” needs to be held in check, lest it brainwash anyone and pile guilt on hardworking families for having some mild enjoyment of life rather than living only for the future, Saving for retirement is a smart idea, and a necessary one, but stacking ballet shoes t shirt, quilt fabric block, tote bag, apron, (sweatshirt, hoodie available on request) #590 up bills in a bank account and eating ramen every night won’t get you there; it is both utterly joyless and totally ineffective, So what should you think about when you retire? There are libraries full of books about it, Start here: Retirement should include some thought to regular income – dividends, rental properties, insurance contracts – and a decent investment plan..

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