Carmina is traveling to the United States to spend time with her family. My dad planned a family gathering for Mother's Day at their favorite Pinoy restaurant . Since reservations aren’t possible, we arrived an hour early to ensure we could get a table for twelve before everyone else showed up. As my dad approached Isla Grand , the branch we visited in Pleasant Hills, California , the host at the door said they could prepare a table for twelve at five o'clock. Later, the server called my dad's name and guided us to our table. The place was bustling with people enjoying meals and celebrating Mother's Day. On our first visit to Isla Grand, I was captivated by the décor, noticing many native items that gave the place a fancy yet authentic Filipino feel. They usually have a live band, but unfortunately, there was no entertainment the night we went. My family had spoken highly of Isla Grand and encouraged us to try the Filipino dishes we’ve been missing from back home. Lech...
Time to think of retirement that will come in handy as we
aged and we have a family of our own we want to think ahead how well we can
support ourselves when the time comes. When you have reached 65 years old when
your work has replace you with someone much younger than you.
How will you cope paying off your debts that has over piled
as you keep paying your expenses?
You still have children in school and you need to save up
for the future, but the life in America is not easy as we have a difficult
surviving pay our daily expenses.
There are people who move further away from the city where
they say, the living expenses are more inexpensive and be able to save up for
the future of their children and their retirement.
There are some people who are not willing to move themselves
they feel comfortable in what they have already adapted themselves.
All I can say it is up to you what you want to change your
life.
People say I am lucky because I have already thought too far
ahead of them and they are still figuring out how they can survive in this
world we live in.
It really takes time to sit down and analyze what you want
in life and how well you will stick yourself in that goal of yours.
No one need to know what your goals and dreams are just you
alone will know it if that is what you want for yourself.
You can only rely upon yourself to make that dream come
true.
Even if you tell someone there will also be someone to stop
you from doing it. It is better you will know what you want for yourself so no
one will put you down or judge you in what you do in your life.
How to plan out your retirement through your employer?
- Start a savings account you will not touch and it is use for your retirement
- Find out how much you need for your retirement
- Ask your work about retirement plans and how much to contribute for your savings at your employer
- Ask about your employer’s pension plan
- Think of something you can invest and earn money from it
- Find out how much your social security benefits when you retire
How to Prepare Your Own Retirement?
- List down the expenses you still need to pay off from your credit card, house loan and etc.
- Downsize your home
- Get away from debts
- Work more hours
- Think of relocating to some where less expensive to live and transfer your family
- Put more money on your 401 K
It is never too early or late to start planning your
retirement for your future.
Comments
Post a Comment