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Corporate pension funds and monetary benefits of retirement planning
Personal Finance

Corporate pension funds and monetary benefits of retirement planning

A retirement plan is a monetary flow after your retirement from the service. This can be set up via employers, government plans, banks and private investment interests. All of these plans currently do exist in US and are approved by the fair law and regulations passed by the Department of Labor in the constituency of the country.
4 major factors that influence your retirement savings
Personal Finance

4 major factors that influence your retirement savings

There’s no fixed age for you to start saving for retirement; the sooner, the better. It is imperative that you save enough money for your retirement so that you wouldn’t have to rely solely on Social Security benefits. Your retirement savings should be enough to take care of your and your spouse’s needs without depleting it before its preordained time.
4 essential tips that give an impetus to your retirement savings
Personal Finance

4 essential tips that give an impetus to your retirement savings

Irrespective of what you earned in your hay day, you need to save for your retirement years. Simply relying on your Social Security benefit isn’t a wise choice; it is imperative that you save enough money for your retirement when you are earning. The golden rule of saving for retirement is that you have to start as early as you can.
An overview on retirement plans and annuities
Personal Finance

An overview on retirement plans and annuities

Retirement plans are mainly classified into two types on the basis of benefit calculation namely: Defined benefit plans This is a pension plan where a final amount is calculated based on a formula that involves the service of a person with an employer and paid to all retirees from a dedicated trust fund.
Top cities to retire in the USA
Retirement

Top cities to retire in the USA

It is a decision which puts every retiring individual to a dilemma as to which city to retire in the USA. Some important factors while selecting the best retirement city are home price, property tax, income rate tax. Let’s have a look at some of the cities that are big enough with all the amenities like great health care and recreation, yet affordable.
How much average 401k can you generate
Retirement

How much average 401k can you generate

What is the 401k plan? Most of you all must be wondering what does 401k mean. A 401k plan can be defined as a retirement savings plan for employees. So if you got a new job and had plans to save money for the future, you might take up some savings option offered by your company or in banks.
6 things you probably did not know about social security
Retirement

6 things you probably did not know about social security

You might have often heard retired people or people who are planning to retire in the near future talk about social security benefits. Knowing about social security benefits is a must for everyone who wishes to have a carefree retired life. A common mistake that many people make is knowing only half-truths about social security benefits that they most probably got from their book club friends or the group of grandpas that they occasionally converse with during the morning runs.
A brief overview on retirement calculators
Personal Finance

A brief overview on retirement calculators

How do you calculate your income and the money that you will earn once you retire? Post retirement life calls for a sound financial background, wherein you don’t want to borrow from others. Here is an insight about retirement calculators and what makes them a must have to check your financial stability at the retirement age.
How to workout a retirement plan
Retirement

How to workout a retirement plan

Retirement planning varies by individual, but one of the most critical factors that influence the decision is whether one is financially ready to retire. Experts opine that you will need about 80 percent of your pre-retirement income to maintain your current quality of life. Some important questions that might influence your retirement planning include:
Types of retirement calculators that you can use
Retirement

Types of retirement calculators that you can use

Retirement calculators, as the name suggests, help estimate how much you need to save to live out your retirement with rudimentary comfort. Retirement calculators collect a percentage of your salary until the age you retire. A simple retirement calculator projects how much you need to save and how long you need to save to avail yourself of a certain level of expenditure post-retirement.
Overview of AARP
Retirement

Overview of AARP

For some of you who are not aware of AARP, it is a US-based nonprofitable, nonpartisan, social welfare organization with a membership of 38 million that supports individuals to turn their goals and dreams into reality. With the assurance to empower, AARP focusses on strengthening the communities and fighting for the issues that matter the most, especially those related to family, health care, income security, employment, and protection financial exploitation.
How to efficiently save money for retirement
Retirement

How to efficiently save money for retirement

Retirement is one of the most critical phases of your career as well as your life. When one is planning for retirement, their focus is on their current savings and potential investments that can help them lead a comfortable and financially independent life when they get old. Such preparation involves a common question, “how much to save for retirement?” And although it might seem a bit daunting, you can efficiently manage your funds by conducting assessments of current expenditure, savings, and implement a robust planning.

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9 healthy juices you can whip up at home
Beverages

9 healthy juices you can whip up at home

Is your busy routine making you skimp on fresh and nutritious veggies and fruits? Well, worry not! There’s a wonderful way to include essential nutrients in your day- juices. We are not talking about store-bought  juice  laden with harmful preservatives and additives. Processed with heat and excessive sugars, they barely make for a healthy choice. Instead, just grab your blender and whip up these good-for-you juices right at home. DIY Juices At Home Pineapple, Carrot, and Ginger Juice This juice is not just delicious but has a great nutritional and health value: It is rich in vitamin C and strengthens your immune system. Vitamin A in carrots is excellent for your eye health. Ingredients: 8-10 large scrubbed and diced carrots ½ glass water 1 cup pineapple 1-inch peeled knob of ginger Instructions: Blend all the ingredients with water. Add black pepper and rock salt to taste. Garnish with fresh mint leaves. Serve chilled. Orange and Lemon Juice with Turmeric and Ginger This delicious juice is our all-time favorite. Here’s why you must try this juice at home today: It is rich in antioxidants that reduce free radicals, it prevents heart problems and some types of cancers. Turmeric has anti-inflammatory properties that help ease joint pain. Ingredients: 2 small peeled lemons 2 peeled oranges ½ glass water ¼ cup chopped fresh turmeric and ginger A pinch of black pepper ¼ tablespoon of extra virgin olive oil (for improving the absorption of turmeric) Instructions: Add all the ingredients to the blender. Blend for 30-40 seconds. Serve chilled, topped with fresh black pepper. Apple, Celery, and Cucumber Juice One of the best juices to perk up your mornings, this has several health benefits: It is enriched with potassium, calcium, vitamin K, and folate. This helps regulate your blood pressure, blood sugar, and nerve function. This juice is low on sugar, making it perfect for people with diabetes. Ingredients: 1-inch knob of fresh peeled ginger 1 apple ½ glass water 5 celery stalks 1 large cucumber Fresh parsley Rock salt and fresh black pepper Instructions: Cut the vegetables and blend them with water to the desired consistency. Garnish with fresh parsley, and serve chilled.  Carrot, Orange, Lemon, and Mint Juice This deliciously tangy juice serves as the perfect mid-meal snack. Here’s why you should whip up this juice today: It contains tonnes of vitamin C that prevents cold and cough. Mint is perfect for cooling you down on a hot summer day and preventing digestive problems. Ingredients: ¼ cup orange juice 3 tablespoons lemon juice 4-5 peeled and diced carrots 4-5 sprigs of fresh mint ½ cup of water Instructions: Blend all the ingredients until you get the desired consistency of the juice. Top with parsley and serve cold. Pomegranate and Lemon Juice This sweet and tangy juice is excellent for refreshing you on a hot sunny day. It also: Contains antioxidants to improve your heart health. Prevents plaque build-up on your teeth. Ingredients: ½ cup pomegranate juice ½ cup water 1 squeezed lemon wedge Instructions: Blend all the ingredients for 10-20 seconds. Serve chilled with ice. Apple, Spinach, Pear, and Fennel Juice This juice   is loved for its unique earthy flavor and health benefits such as: Fiber for helping you lose weight. Vitamins to keep your eyes healthy. Ingredients: 2 pears 50 grams of fresh spinach 1 celery stalk ½ inch of fresh ginger ¼ fennel bulb Instructions: Dice all the ingredients and add to a juicer. Strain if needed and serve chilled. Green Pineapple Juice A perfect juice to whisk you away to the tropics, this is one of the easiest options to try. Here are some health benefits: It is fiber-rich and prevents digestive issues such as bloating and constipation. Its potassium content improves heart health. Ingredients: 1 cup coconut water 1 frozen banana 1 cup spinach 1 cup fresh pineapple chunks Instructions: Blend all the ingredients. Top with a few mint sprigs and serve chilled. OJ with Spinach and Arugula This distinctive-tasting peppery orange juice   is a hot favorite. It has: Glucosinolates that protect you from cancer. Fiber to keep your heart healthy Ingredients: 1 cup orange juice ½ cup fresh chopped spinach ¼ cup arugula Instructions: Add all the ingredients to a blender and blend for 10 seconds. Serve chilled. Beetroot, Carrot, and Apple Juice A tasty twist on the classic apple  juice  and is super healthy too. It helps with: Keeping your stomach healthy. Improving your eye health. Ingredients: ½ cup medium carrot pieces 1 medium apple diced ¼ cup beetroot 1 tablespoon lemon juice Instructions: Blend all the ingredients. Serve chilled garnished with fresh mint. These recipes include the right balance of fruits and vegetables to ensure you get a nutritional boost to supercharge your life! Enjoy the juices, and don’t hesitate to experiment with ingredients.
Bottled water vs. tap water – which is better?
Beverages

Bottled water vs. tap water – which is better?

Every resident of the country consumes approximately 30 gallons of bottled water. Coincidentally, the US government is involved in the regulation of both bottled and tap water. While the former is overseen by the Food and Drug Administration (FDA), the latter is governed by the standards of the Environmental Protection Agency (EPA). The purpose is to ensure that the drinking water we consume is chemical-free. Understanding the key difference between the two can help save expenses and the health of the family. Bottled Water vs. Tap Water – Which is Better?  Tap Water Nearly 92 percent of tap water that originates from lakes, rivers, reservoirs, deep wells, or any other portion of the municipal water system, according to the EPA, is safe to drink. The Centers for Disease Control and Prevention (CDC) make the same argument. Before entering our homes and workplaces, the water has been treated. However, there have been instances where in certain places, local tap water has been discovered to be contaminated and dangerous to drink. For example, Pittsburg residents were advised to boil their water before drinking it in 2017 because the water had a parasite that could cause diarrhea. What is good and bad in tap water? Good Both bottled and tap water essentially have the same taste. However, the age and kind of the water pipe system affect how the tap water tastes. Tap water is relatively cheaper – you simply need to refill a reusable bottle and consume the same day after day. In hotels and restaurants as well, tap water is free of cost. Tap water has a significantly smaller total environmental impact than bottled water. Chemicals are used to treat the water before distributing it to homes and offices, so there is some level of influence. After drinking water, you should also wash the glass, cup, or bottle. However, these effects are considerably reduced due to the absence of plastic containers in this scenario. EPA has quite a few stringent rules regulating tap water. As a result, municipal water in the US is considered to be one of the safest in the world. Bad Tap water may contain chlorine and some fluorides. Bottled water As mentioned, the FDA regulates the requirements for the processing and packaging of bottled water. The source of water is natural springs, artesian well water, mineral water, well water, as well as municipal water systems. This kind of water goes through an extensive purification system and is then packaged to be sold through retail stores. What is good and bad? Good Packaged drinking water does not contain chlorine; in most cases, it does not include any fluorides either. It is treated with specific flavors and minerals, which gives it a distinctive and special taste.  Packaged water is a practical option when traveling or spending time outdoors because it is typically accessible in all locations like supermarkets and other stores. Bad Bottled water  is about 1000 times more expensive than tap water. For example, while 1 gallon of tap water in the US costs about $0.05, a packaged bottle of water costs about $9.47. FDA rules are comparatively less stringent than the EPA’s for regulating packaged water. FDA regulations govern quality control, sampling and testing, purification processes, bottling, storage, and transport processes. However, the packaged water may still contain microplastics even after this. These substances can cause inflammation, interfere with the body’s endocrine system, and have a negative impact on vital organs like the kidneys, liver, and intestines. One of the most serious drawbacks of packaged drinking water is its environmental impact. The carbon footprint due to all the processes like refrigeration, transportation, and the use of plastic is immensely high. With the bottles choking landfills and the extensive use of energy resources, sustainability is a big question mark. Choosing between the two – which is better? Both bottled water and tap water are safe for consumption. However, considering the above pros and cons, tap water is a better, cheaper, and a much more eco-friendly alternative compared to the water available in plastic bottles. To top it off, tap water can be easily filtered and made safer using water filters or purifiers at home and in the office. Before choosing either, it is best to consider the local conditions. If your municipally supplied water is usually contaminated and the risk of water-borne diseases is high in your region, consider going in for bottled water. Also, if you are suffering from certain conditions, you may be asked by your doctor to drink packaged water.
Most popular types of coffee and tea
Beverages

Most popular types of coffee and tea

We have a coffee addiction that shows no signs of abating anytime soon. You probably already have a favorite coffee drink, whether you get it at Starbucks or prepare it at home. Apart from coffee, our tea culture has also long been perpetuated, leading to the emergence of numerous tea traditions. Anyone will be inspired by our list of famous coffee & tea beverages to brew at home or purchase at your local café. Espresso Not just in the country, espresso is by far the most consumed and popular coffee & tea beverage in the world. A single or double shot of espresso is frequently enjoyed on its own, especially as an after-dinner beverage. Espresso is made in a pressure machine by forcing near-boiling water through packed, finely ground, carefully roasted coffee beans. A single or double shot of highly caffeinated espresso with a coating of crema is produced by the espresso brewing process. Americano An Americano is a popular coffee & tea beverage that combines water with espresso. For an Americano, the proper water-to-espresso ratio is commonly 1/3 espresso to 2/3 water, while some individuals like equal portions of both. Americanos are generally served without milk, but you can add it or have it done for you by the barista. Cappuccino The cappuccino is an espresso-based coffee drink that is popular among coffee & tea enthusiasts worldwide. It is topped with a thick coating of luscious microfoam, resulting in an airy, decadent, and oh-so-delicious drink. A cappuccino is made by combining 1/3 espresso with 1/3 heated milk and topped with 1/3 milk foam. It may be personalized by adding syrups, cocoa powder, spices, or even foaming cream instead of milk for an even more decadent drink. Latte Another espresso-based beverage that is hugely popular in the country is the latte. The Italian term “latte” literally translates to “coffee with milk.” The difference between a latte and a cappuccino is that the latte has more steaming milk and less microfoam. For individuals who don’t want something particularly potent or aggressive, lattes are a decent option for coffee & tea lovers. The caffeine concentration of the beverage is also lower than that of plain espresso or coffee since it has been diluted with steamed milk. For a latte, the proper espresso to milk ratio is 1/3 espresso to 2/3 steamed milk, with a thin coating of milk foam. The type of milk or milk substitute used to make lattes is entirely up to you. Frappuccino/Frappe The names frappe and Frappuccino are used to refer to a common frozen coffee shop beverage that may or may not include coffee. The phrase “frappuccino” is only used by Starbucks, although “frappe” is used by people worldwide. There are hundreds of frappe variations, including caramel and fruit flavors to coffee & tea. Every coffee shop has a different method for making these beverages, so it’s interesting to experiment and find what you prefer. Typically, these drinks are mixed in a blender with ice. Earl Grey Tea A flavorful tea that is distinctly British but loved by Americans as well is earl grey tea. The oil from the rind of the Bergamot orange is used to flavor the black tea base. Each person who enjoys tea will have a magnificent experience thanks to the exquisite blending of the two tastes. Due to the smooth and flavorful black tea leaves used as its basis, Earl Grey tea is delightful and excellent. English Breakfast Tea The English breakfast tea is a traditional favorite popular in many homes worldwide. This powerful, thick black tea mix pairs wonderfully with some honey and milk. This tea helps you get through your hectic work and home schedule and makes the perfect morning beverage! Strong Green Tea Hyson and Gunpowder, two of the most-liked green teas, are particularly well-liked in blends, hot tea beverages, and iced teas. Due to their robust flavor, which pairs well with many seasonings, it forms an excellent tea foundation. Green tea is also an excellent health enhancer since it contains flavonoids and antioxidants. Black Lemon Tea The Russian tea described in the Boston Cookbook from the late 19th century is highly similar to the lemon iced tea we have today. The natural lemon taste is typically greater in home-brewed teas. They may also contain broken loose leaf black tea or tea bags and lemon juice. Peach Tea Peaches, apart from lemons, are the most preferred tea taste, whether green, black, or even oolong. Peach iced teas sold in stores could include flavorings and no actual fruit. Use real peaches for a fantastic homemade peach iced tea. Regardless of the day, everyone like their coffee & tea. The most popular ones are discussed in this list. Haven’t heard of a beverage on this list? You’ll have to try these to know why they’re so popular.
Beverages that keep you happy and healthy!
Beverages

Beverages that keep you happy and healthy!

When you think about beverages, you probably come up with a list of fizzy drinks that are available in the market. Due to the high calorie and sugar content of most beverages, many health-conscious people try to avoid everything that comes under this category of drinks. However, you need to know there are many healthy options when it comes to choosing a beverage to keep yourself hydrated. Whether you go out with friends or you are at home or looking around the supermarket aisle, you can opt for healthy beverages instead of coming back empty-handed or just ordering water. Here are five healthy options for you. In addition to helping you be at peace with your diet plan, these will also give you other benefits! Green tea : This is one of the healthiest beverage you can find. Rich with antioxidants, green tea reduces cholesterol and improves blood flow. Green tea is a smart choice for a beverage. You can have it the usual way, by brewing it or you can also ask for iced green tea. It tastes as good as your regular iced tea and is healthier. Ginger tea : Ginger is a favorite of ancient medical science. Its health benefits are so extensive that it is the most common ingredient in almost all natural home remedies. Ginger tea is quite simple to make. Just soak two tiny slices of ginger in warm water and add honey to sweeten it. Beet juice : Beetroot has excellent health benefits. It is a superhero ingredient for a healthy body. If you consume beet juice, it would work wonders for your skin, blood, brain and hair. You can make smoothies or mix beetroot with other ingredients like ginger to make a healthy beverage for yourself. Orange juice : It is the most basic healthy beverage. You can have it during breakfast, after your workout, anytime and anywhere. Orange juice has high vitamin C content. It also helps to beat allergies and the common cold. Like green tea, orange juice too lowers bad cholesterol. It is also quite good for your liver and digestive system. Hot chocolate : This is probably the most delicious of all healthy beverages. However, you have to make sure that raw cocoa powder is used while making the concoction. Hot chocolate has high magnesium content that improves blood flow and helps in preventing clots in your blood stream. It also has antioxidants and stimulants. So instead of ordering that latte, you can opt for a healthy hot chocolate.
Keep your gut healthy with probiotic beverages
Beverages

Keep your gut healthy with probiotic beverages

The very idea of a probiotic drink may draw a rather unappetizing picture of micro-organisms wiggling around in the translucent liquid.  The good news, however, is that probiotic beverages are not as bad as they might sound or as terrible as you might imagine them to be. Probiotics are basically bacteria that are beneficial for your body. They detoxify your body and heal your intestinal system. In addition to keeping your gut healthy, consuming beverages containing probiotics will also keep your immune system in a high-functioning order. A regular intake of beverages with probiotics can prevent bloating of your tummy, limit the occurrence of diarrhea, and keep you away from irritable bowel syndrome. Your gut is a crucial part of your body that is often neglected. The gut has trillions of bacterial cells, some good ones, and some bad ones. Probiotics ensure everything you put in your body remains clean and healthy. Probiotics are the cleaning agents that help you keep your gut healthy and happy. One of the easiest ways to consume probiotics is through probiotic beverages. Before bringing home any probiotic drink, you should be aware that their flavors differ. What might not appeal to one could be a taste that you like. Check out the list of ingredients and flavor on the label before deciding which is the best probiotic-based beverage for you. Probiotic beverages are easily available in your nearest supermarket or grocery store. Beverages that contain yogurt, fermented dairy products like kefir, and fermented tea kombucha are high on probiotics. Check out this list of probiotic beverages that you could buy and include in your diet. Kombucha: Not everyone likes the taste of kombucha. The generic taste of a kombucha-based beverage is sweet, tart and fizzy. Simple milk kefir: Generally blended in smoothies or consumed as it is, milk kefir has a tangy flavor. If you are lactose-intolerant and cannot have regular milk, milk kefir is quite harmless for you. Simple water kefir: This is usually fermented twice with fruit juice or is consumed as it is. It is dairy free. If you are vegan, any water kefir-based beverage will be a good choice for you. Probiotic lemonade: This is your regular beverage with a probiotic twist! It tastes a little bit fizzy since it is lacto-fermented. You keep the juice aside in an airlock container for a couple days. This leads to a production of lactic acid by our friendly bacteria called probiotics.
Know your beverages better
Beverages

Know your beverages better

If your Instagram news feed is bombarded with images of different kinds of cuisine and beverages, then you are witnessing a growing trend where people like to show how interesting their lifestyle choices are. It can be easier for you to tell one cuisine from the other, but how well do you know your beverages? If you don’t, here’s a crash course for you in the beverage department. So, beverages are of two kinds- alcoholic beverages and non-alcoholic beverages. The youth have a penchant to be more inquisitive about the alcoholic ones. Also, there are plenty of different kinds of beverages that belong to either of these categories. Alcoholic beverages are the ones that immediately draw your attention when you enter a party! So, here are the most commonly sought-after alcoholic beverages- Beer- This oldest and probably the most popular beverage is something that every individual must have tried at some point of time in their lives and is the most popular option when you wish to spend a day chilling at home, watching a football match Wine- The most sophisticated alcoholic beverage you can ever come across is the Wine. A glass of wine is a must after dinner in many cultures, the reason being that it aids digestion. So, grab a tall glass of red wine and move a step closer to living a healthy life Liquor- Liquor or hard alcohol is something that can turn the most somber person you know into a stand-up comedian. Your Whiskey, Rum, Brandy, Gin, Tequila, etc. are the ones that fall under this category. These beverages are stronger than the other ones Cider- Beer comes from starch, wine from grapes and then comes cider that has apples as its source. Ciders are mostly healthy as they are abundant in antioxidants that apples too boast of, but only when consumed in moderation. Your non-alcoholic beverages are listed below- Juices- Fruit juices are a popular choice among those who are not into alcoholic beverages. Your mango juice, orange juice, etc, are 100% non-alcoholic and double as health drinks as well Tea- Half the world’s population vouch for tea as the drink that gets rid of their fatigue or calms their nerves during anxiety attacks Milk- Milk is one such beverage that has minerals that increase your immunity and works wonders for your bones. A glass of milk every day is a must for everyone Coffee- Coffee lovers are a highly dangerous breed of people who cannot function without their morning coffee. So, a cup of coffee makes them less agitated on a Monday morning. So, now that you are aware of what alcoholic and non-alcoholic beverages are, the next time someone asks you, what’s your poison?, you won’t be in a fix.