If the recent mood swings in the stock market and your declining 401k balance are making you feel aOlernKienOP air jordan 5 fire red black 2013 or lack thereof like you never be able to fully retire not alone. This market volatility is causing a aOlernKienOP air jordan 9 photo blue black Competitive Cycling Tactics Strategies lot of angst but there are some things you can consider doing to make retirement a reality. Here are six top tips for creating a better retirement picture:1. Control your emotions take a deep breath. Greed and fear are the two things that move aOlernKienOP air jordan 1 retro high black black anthracite Leawood orders removal of bo the market. We have periods where the markets get ahead of air jordan 1 retro black metallic gold themselves and investors become too optimistic and other periods where investors begin air jordan 10 retro txt white old royal to panic, throw the baby out with air jordan 3 iii retro cdp countdown pack the bath water, and become overly pessimistic. We are obviously in the throes, or very close to the latter scenario. This volatile period will pass like all the others have.2. Consider increasing your annual savings and retirement contributions. The younger you are and the earlier you start aOlernKienOP air jordan 9 cool grey white 2012 Dance Clothes in the 1940s saving, the more years your money can grow tax deferred air jordan 13 grey toe white team red flint grey inside your 401k or IRA. This tax deferred compounding can mean thousands or tens of aOlernKienOP air jordan 7 dmp defining moments black charcoal team red Sproul Trails thousands of extra dollars for you to spend come retirement time.3. Consider reallocating your 401k/IRA to higher yielding investments. I realize that this may be counterintuitive Air Jordan 10s to what you feeling given the recent market aOlernKienOP air jordan 7 vii original og cardinals Buffalo Wings slide but perhaps you should invest more aggressively. Over time, stocks have historically outpaced bonds and inflation. If you have 10 years or more until your retirement date, you may well be rewarded for taking this additional risk. Certainly, past performance is no guarantee of future results and I not saying you should get more aggressive; but you should take a few minutes and review your asset allocation.4. Consider retiring later. Don retire when what you really need is a break. All too often people in their fifties and sixties retire or take an early incentive offer because they think they ready to stop working. After air jordan 1 retro dmp red yellow a few months or a few years they find themselves bored and restless and wanting to go back to work. Before you decide to fully retire, discuss a phased retirement or flexible work schedule with your employer. Explore all of your options before retiring. The aOlernKienOP air jordan 3 retro wolf grey The Best Shoe Forward longer you work the less you would need to accumulate to afford your desired lifestyle.5. Consider lowering your investment costs. Do you have any idea what aOlernKienOP air jordan spizike gym red Need Customized Short Run Presentation Folders you paying in dollars and cents for your investments and/or investment management? If you like most people, you don have a clue. Recognize that each investment has its own internal cost structure. Usually this information is contained in small print in the back air jordan 6 rings portland trailblazers of the prospectus which most people never take the aOlernKienOP air jordan 3 doernbecher varsity red metallic silver black Cures for Smelly time to read. Additionally, these fees usually get skimmed off the aOlernKienOP air jordan 12 gamma blue black gamma blue gym red white How to Plan Your Da top and you don even realize it. air jordan 11 retro low green snakeskin black nightshade white volt You get my point! Take some air jordan 12 xii flu game time and review your investments. Understand that every dollar you lower your investment costs by is another dollar in your pocket. Can you say ca ching?6. Consider reducing your retirement income needs. At the end of the day (or work week), you can only control what you can control. If you can make astute lifestyle choices, control your spending, eliminate your debts and live on less, you may feel more in control of your future. FYI air jordan 2010 white black red my happiest private clients are those that have downsized, organized and simplified their lives.
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