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Active years of service as a worker will one day culminate in retirement. That is to say, every worker today will add to the number of retirees sometime in the future.
Research showed in 2018 that the average American has roughly 20 years to spend in full retirement in the US alone. Bearing this in mind, there has always been the question, how much money do you need for retirement?
A lot of evaluation has to be done regarding savings, income value, investment worth, location peculiarities, and more to critically answer this question. Irrespective of these detailed evaluations and their demands, retirement plans are essential for workers and worth every bit of their time and value investment.
Remember, everyone desires to live comfortably after retirement, but only a few of this number invest in making their wish come to pass.
Things to Know Before Retirement – How Much Do I Need for Retirement?
You might be in the class of workers having retirement notification stress closing in on you, or yours might still be decades away. It doesn’t matter which category you belong to. We’ve got smart things you need to know before retiring.
1. Savings Are Your Fallback Support System
The idea of savings is more of a trained habit than wishful thinking. So, you will agree that saving always comes with a rewarding value. No matter how small it is, it can be significant. While saving is mandatory for some, others chose to save or not.
The two groups always reap the fruits of their decisions, mainly in retirement years, when little or no changes can be made any longer. But while the former smile at their savings decisions, the latter regret that they could have done better.
Do you want to be in this ‘regret’ group upon your retirement? No. That is why you need to start making a quality investment in savings. How does this work? The typical worker or employee receives income based on weekly or monthly plans.
The starting point is to ‘start small.’ From every income, start saving a portion of it even before expenses. That is key to savings. When this habit has been formed, it makes it easier to increase savings over subsequent months.
Every smart worker that is passionate about living comfortably in retirement knows that saving is a priority. He or she makes every effort to make it happen in reality. Another thing that can help is to devise a strategy that can help you reach your saving goals per time, such as steady percentages of income to be saved.
Remember, you need to keep up with savings before thinking of the unending list of expenses. You can start to determine how much will be required in retirement by saving today. No matter the number of years you have before retirement, making savings plans now won’t be too early or too late.
2. What Needs Does Your Retirement Require?
You really can’t make smart figure estimates of how much you need in retirement if you are not aware of what your needs will be at that time. Upon retirement, individuals still tend to achieve unique things they consider relevant to them.
While some want to face a business or an investment, others wish to go on world tours and see places. Retirement entirely means rest for some people because of one or more health challenges. So, retirement might be a little more expensive than imagined.
However, it is smart to have a plan for what needs will be met before retiring—having such an estimate better positions you to make guided decisions such as savings and investment percentages from all current income and cash inflows.
According to financial experts, it takes roughly 80 percent of your preretirement salary to live comfortably upon retirement. However, this estimate is based on the assumption that retirement now excludes certain expenses recurring before retirement. Again, you can enjoy retirement years as much as you can deliberately plan too.
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How Much Money Do You Need?
Having understood the fundamental decisions about retirement planning, mostly bordering around savings and expenses, you need to know how much to save. Here are ways to learn that.
1. Apply the 80 percent rule of preretirement salary
Since you will need roughly between 70 percent to 90 percent of preretirement income after you leave the workforce, securing about 80 percent of that affords you a good living standard. Therefore, start planning on how you intend to allocate your retirement salary to meet your projected needs.
2. Consider the age-based retirement savings.
Retirement happens to people at different age timelines. While some people retire in their sixties, others opt out of the workforce even much earlier. It’s all based on choices and plans that have been made to secure the future.
How can you achieve this plan? It’s called the age-based retirement savings rule. Starting at the age of 25, workers save 15 percent of their salary and subsequently enter 50 percent of that value into stock investment.
This strategy ensures that from the age of 30, you would have accumulated the exact amount of your annual income in retirement savings. You can imagine that this gives goof figures as the year’s increase. For example, by age 60, you would have reserved your current annual salary six times into retirement savings.
A similar but more exciting plan is for starters. At the age of 20, keeping to a 25 percent savings from salary and diverting 50 percent stock investment affords you the chance to have acquired eight times your annual salary at the 65 years ripe age of retirement. From here, you can begin to see how much you can do to enjoy a comfortable retirement.
Proper planning is a crucial strategy for achieving goals. It is not different from retirement plans. Secure that future today with smart planning.
Amazon is a force to reckon with when it comes to the world of e-commerce. It is reported that over 197 million people worldwide visit Amazon.com with their devices monthly.
Amazon’s share in the e-commerce market of the United States got up to 49% in 2018. This value is more than the combined value of the three major competitors combined. eBay, Apple, and Walmart did 6.6%, 3.9%, and 3.7%, respectively.
It was also reported that over 5 billion products were shipped worldwide by Amazon in 2017. Amazon Prime has about 95 million registered members in the United States.
Fulfillment by Amazon helps product sellers increase sales by 30-50%. Every year, an Amazon Prime member makes a purchase of $1,400 on average.
As the leader of online sales, sellers on Amazon are already with the winning team. Amazon is an incredible sales platform and presents loads of opportunities for sellers.
You need to understand how Amazon ticks to maximize these opportunities and boost your income. Jungle scout, a research tool from Amazon, would also be of assistance. You can take a look at how does jungle scout works.
Tips That Would Help Boosting Your Sales On Amazon
From statistics, Amazon is the largest online sales platform with ready customers. Their large customer base presents potential customers for every seller. The fact that the competition is enormous could be a significant concern. Therefore, it is essential to stand out from the crowd. The following hints would help you increase your sales and, consequently, your income.
1. Consider Your Pricing
There are over 12 million products sold on Amazon. You can also find varying versions of a particular product from different producers and sellers. Therefore, one major thing a customer would consider is the price of a product from various sellers.
As a seller, the price of products from various sellers should also inform your decision. Your analysis should determine the products you would finally decide to promote on the platform. Choose products that can offer you enough returns to cover inventory cost, the fulfillment of your order, and your overhead expenses.
2. Make Your Listing Automatic
There are essential parts of the business, like marketing, engaging with your customers, and strategizing. Frequent product listing would take the time meant for other aspects of your business. It would also cost more money.
Hence, automating the process would save precious time and money. Amazon listing tools can help you get this done. You can list your product in bulk with these tools.
3. Use The Advantage of Amazon Pro Merchant Subscription
Do you want to sell lots of listings and save more money subscribing to Amazon Pro Merchant? Amazon Pro Merchant might be the extra leverage your need. With an extra cost of $0.99 for every transaction, you enjoy additional tools and other benefits.
Amazon Pro Merchant charges $39.99 monthly for all product listing on the platform and no fee for each item. This fixed fee per month means, the more you sell, the more you save. Even if you sell 11000 units of your product, the price remains the same.
Pro Merchant gives you the leverage to make bulk listings, improve reporting, offer more options, and make new listings.
4. Try Fulfillment By Amazon
Amazon FBA will help you increase sales volume. Many top Amazon sellers take advantage of the opportunities presented by the Fulfilled by Amazon program. You only need to send your product to the Amazon fulfillment center, and they do the rest. When there is an order for your products, Amazon packages, and ships the product to your customer.
You only need to pay for storage and fulfillment. When you consider the cost of storing, packaging and shipping yourself, Amazon FBA is considerably cheaper. Amazon FBA can also fulfill orders for your products on other sales channels. Ensure your products are carefully selected for profitability.
5. The Buy Box
Customers click on the buy box to indicate their interest in a product. The buy box is used to add products to the shopping cart. Winning the buy box increases your chances of making sales.
Amazon uses specific criteria to select a seller’s product that appears in the buy box. These criteria include product availability, price, seller’s performance, and the shipping options.
6. Increase Your Visibility With SEO
With so many sellers of the same item on the platform, being seen is vital. Amazon uses product title keywords in ranking your listing. Therefore, maximize the use of keywords related to your product. Amazon’s Keyword Tool would help you with this part.
7. Utilize Customer’s Positive Feedbacks
Most potential customers look out for reviews from individuals who had bought the product. About 90% of product buyers voice their trust for online reviews from other people. Most customers don’t leave reviews after purchasing a product. Feedback Five is one tool that can help you get more reviews.
8. Place Good Ads on Amazon
An ad can make your product known and more visible. If it is not seen, it is not sold. If you are starting on Amazon, you can consider sponsoring your product. It increases the visibility of your product. You also get an Amazon discount on your first sponsor.
9. Leverage On Other Sales Channel
Outside the large e-commerce marketplace, Amazon offers, there are other sales channels. You can pull people outside the Amazon community to your store on Amazon. You can use blogs, social media, or other online content to refer people to your store.
10. Play By The Rules
Amazon is an organized platform with rules guiding different activities. Following the rules would help you get the most out of your product sales business. You stand the risk of being suspended, or your account shuts down if you break the rules. There is safety for your business in following the rules.
You need to keep learning and stay at the top of your game. Keep improving on your listings. Increasing your sales is to work. It would be best if you put in the work to boost your wages as an Amazon seller.
A society tends to include people from various backgrounds, characters and they all seem to look forward to different things. This distinctive nature pushes forward for the importance of unity, and it talks about how survival depends upon the same. But for integration, we need to make sure that our practices and customs are inclusive, and we also do not come in the way of another individual. This is where the importance of social justice comes into the picture. Every individual in our society has the same right as we have and has the power to function accordingly. So, to shed more light on its importance, here are a couple more points.
The Right Way Forward
An inclusive society will always hope and pray for social justice. Regardless of the incident, the individual needs to get justice and the innocent should always prevail. By doing so, one can expect us to move forward in the right manner, and the future will be bright. This inclusive society will be welcoming, and the evolution of change will be critical. People tend to view things with an open mindset and progress will be achieved at every step.
Religion Based Discrimination
Various types and forms of discrimination is present, and it carries on to this very day. The frameworks of the law have given enough power to help people fight such evils, and they need to come out strong. A place that gives importance to social justice will have fewer cases of discrimination. Individual affected by these acts due to their religion will face justice, and the perpetrators of the crime will face the harshness of the law. Moving forward in this way will only lead to a place of happiness.
Healthcare is an aspect that needs to be given equally since we all have the same right over it. There are no afterthoughts or steps in this procedure since you and I have the right to gain the same. Societies that follow these rights will be looking forward to providing healthcare to individuals, regardless of their background or character. The inclusive attitude stands for unity, and everyone will receive justice when it is required. As we progress ahead, the obstacles along the road will be eliminated, and we can be sure that things happened with unity.
Societies that question and bring down gender equality are the ones that have no clue about unity, social justice and progress. They tend to perish along the line forming holes that took shape according to their actions. But societies that follow gender equality will know all about its importance and why it is the need of the hour. An individual should have the right to do whatever he/she feels like, regardless of their gender.
By 2022, the painting industry is expected to be valued at some 209.4 billion dollars globally.
Are you thinking Of starting a painting business? Hopefully, this will point you in the right direction towards success.
Painting as A Career: Is It Worth It?
For some, painting started as a summer job. Others picked it up from friends and family. The painting industry is one of the very few careers, where how you started doesn’t really matter.
In this career path, there are a few options that are open to you. You could work as an employee with a business owner. Your job would be simple, just applying paint to walls as you get directions from the business owner.
As a subcontractor in the painting industry, you would get jobs and assign people to do them while getting paid for supervision. The top-level is the level of the business owner where you make need a mix of skills.
As a business owner, you make budgets, schedules, contracts, and work on customer service. Of all three, contractors are the most sort after. However, business owners make the most profit.
How Much Do House Painters Make?
Depending on the environment, the prices may differ, but for house painters in Louisville, KY, the average annual salary starts at $37,960. This estimate is based on an 18.25 dollars per hour pay and a 40 hours per week schedule.
9 Steps to Starting Your painting Business
To start a business successfully in painting, here are some steps that can guide you.
1. Have A Plan
Having a plan is arguably the most crucial step in starting any business. A good business plan would help you see the necessary specifics of your business.
Through the plan, you might also uncover some hidden truths about the business. In general, your painting business plan should discuss your business name, costs, target market.
Your business name is equally as important as the business plan itself. Your choice of name should be one that is unique, calls attention, and is easy to remember.
As the ideas for naming comes to you, you should immediately check if the domain name is still available. If it is, you should secure it as soon you can before someone else picks it up.
You’ll need up to 500 dollars for equipment. Your target market should be those who know what they want, and they can pay for it conveniently.
2. Define The Legal Framework
The next step for you would be to decide what legal business structure you want to run. There are many options to pick from. You could choose to be a cooperation, a limited liability company, or a ‘doing business as’ business.
For most people, the LLC is the best shot. A single person can form it, and it’s simple. You can consult the services of a registered agent to be sure that you comply with relevant laws and that your privacy is not compromised.
3. Brand Definition
It would be best if you defined the brand of your business with clarity. Your brand is the public perception of your business and what it is.
You will need to build a strong brand by employing the right marketing strategies. A good brand will help you stand out and make your customers come back for more.
4. Register For Taxes
You should register to pay for a range of taxes. Usually, you would be required to pay for both federal and state taxes before you can start a business.
You’ll be required to have an Employer’s Identification Number (EIN). You can obtain it for free and with ease from the IRS website, by mail or fax.
5. Obtain All Required Licenses
To prevent heavy sanctions or even a total shutdown of your business, you’ll need to obtain all the required licenses required for your business as mandated by the government.
For house painters in Louisville, KY, in addition to the permits and licenses, you should also meet labor safety requirements.
You must comply with all the regulations as they are for your safety. Also, you might want to get a service agreement upfront for your jobs.
It will help you meet the customer’s expectations beforehand. It will also help you reduce risks of legal disputes. You can consult a business lawyer to draft a simple agreement for you.
6. Open A Business Account
To protect your assets, you must separate your finances from that of your business. If your business gets sued, you stand a risk of losing everything you have (your car, house, etc.), if your business and personal accounts are the same.
It will also help you tidy your accounts efficiently as well as file for tax properly.
You should also get a personalized credit card for your business. By doing this, all of your business spendings would be in one place.
Your business would also have a well-built credit history. It would be useful for you whenever you want to borrow money
Depending on the size of your business, you might not need coverage. However, you must get one.
For large size businesses where you would need to employ people, you will be required by law in some states to have one.
As you spend money and earn money in the business, you must prepare the accounts alongside. By doing it from the onset, you will have clear insights into the financial performance of your business.
9. Build An Online Presence
You need to leverage social media to get more people to know about your business. Your website should also be well designed so that it is inviting.
Now that you know everything that it takes to become successful in terms of starting your own painting business, it is time to take a step. Start where you are, and you can make a fortune from the company.