The theme this week on the Retirement Quick Tips Podcast is: What to do with a $300,000 inheritance Today, I'm going over a case study to help illustrate how to handle a $300,000 inheritance in the real world. Here are the details of the case study: Married couple. Receives an inheritance of $300,000 - all in investment accounts. They are in their early 60s and are about 3-4 years away from retirement Have about $1million saved for retirement HH income is $200,000 and they're saving $20,000 annually for retirement Kids are out of the house Retirement spending projections are about $70,000 per year, including basic spending, health care costs, and a few trips a year, as well as some fun money for eating out and hobbies. They'll have social security and the wife will have a small pension. Income from their portfolio will cover the rest. They have a mortgage of about $50,000 that will be paid off in 8 more years. No other debt. They currently have savings in their bank of about $25,000 Ok, so starting with the inheritance amount relative to their other assets. This is a good place to start. The new money is about 30% of their existing assets for retirement, so it's a meaningful addition to their current portfolio. Here's what I would recommend for this couple: The fact that they have a decent amount in savings and no other debts other than their mortgage is a good start. I would take $50,000 of the inheritance and pay off that mortgage. Since they're planning to retire in the next few years, before the mortgage is paid off, then it's going to cut down their retirement expenses in a meaningful way and will give them maximum flexibility for their retirement spending Since they're so close to retirement and based on their desired spending needs in retirement, they don't have enough assets to afford them the luxury of spending any of the inheritance. So I would invest the remaining $250,000 after the mortgage is paid off. No new cars, no vacation. This is important. This couple needs to grow their investment portfolio as much as possible in the last few years before retirement. If they had more of a cushion where their anticipated retirement spending was a much smaller fraction of their overall nest egg, then I would say they could spend some, but even in that circumstance, I would only spend 5-10% of inheritance assets on something that isn't necessary. Then the portfolio needs to be invested based on their goals, timeline, risk tolerance, etc. and folded into the rest of their portfolio so everything is aligned. I talked about this a couple days ago… If they had more debt and less in savings, I might use more of the inheritance dollars to knock out some additional debt and boost savings to a healthy level, but in their case, they were already in good shape here to begin with. That's it for today. Thanks for listening! My name is Ashley Micciche and this is the Retirement Quick Tips podcast. ---------- >>> Subscribe on Apple Podcasts: https://apple.co/2DI2LSP >>> Subscribe on Amazon Alexa: https://amzn.to/2xRKrCs >>> Visit the podcast page: https://truenorthra.com/podcast/ ---------- Tags: retirement, investing, money, finance, financial planning, retirement planning, saving money, personal finance
Hi Sisters! We have a special angel reading episode for you. Nicolette is an earth angel who left a review on iTunes and was chosen for this angel reading. Her energy and spirit are profound and so beautiful. She is a true earth angel, and a true lightwkrker on this planet. The healing messages that come through from her mom and others in heaven are helpful, in healing grief and giving guidance in areas of her life that are needing it most. Thank you Nicolette for having the most beautiful open heart for sharing this. We love you! Keep rising sister! Follow us: The Sisters Rising The Sisters Rising Podcast Jinelle Fryklund Amy Oberle
Magnia Mining CEO Jason Jessup joined Steve Darling from Proactive to share details the company has been given conditional approval from the TSX Venture Exchange to proceed with the proposed acquisition of Lonmin Canada and specifically the Denison project in Ontario. Jessup telling Proactive the completion of this deal is expected to sometime in October. #magnamininginc #tsxv #nicu #mining
Cottage Grove, Oregon received an infusion of funding from the federal Economic Development Administration to grow local tourism. The city's Bohemia Foundation received a $1 million grant from the agency to improve Bohemia Park, which hosts several city events. The city was also recently awarded federal funding to revitalize its historic downtown district. We learn more about how the funding will help the city from Faye Stewart, the public works and development director for Cottage Grove and the Bohemia Foundation president.
On the latest edition of “The Parting Schotts Podcast,” sports editor Ken Schott talks with CBS Sports broadcaster and former WNYT NewsChannel 13 sports anchor Andrew Catalon about his induction into the Syracuse University radio station WAER Hall of Fame. Schott previews the start of the Union College women's hockey season with head coach Josh Sciba, defenseman Emily King and goalie Sophie Matsoukas. Adam Shinder also makes his weekly appearance to discuss high school football. “The Parting Schotts Podcast” is available wherever you get your podcasts and at https://dailygazette.com/category/sports/parting-schotts.
This September, Gateway is celebrating their 21st birthday by giving back to KZN… 21 times. Together with their retailers, Gateway has teamed up with Big Favour and Darren, Keri, and Sky to lend a hand and uplift the KZN community. Take a look at what went down today on Day 12. #DarrenKeriSkyOnECR #ECRBigFavour
The story of Carol Ofori's 'botched dress' just gets more and more beautiful as the weeks go by. Today, Shaylene received her Matric Ball dress from the incredible Silomo from Silomo Boutique.
She's back!! Daphne joins us again to talk about the good stuff; how she got sober, how she stayed sober and what she is up to now, 4 years later. Literally sharing her experience, strength and hope. Oh, and her dog even makes a brief vocal appearance. Enjoy the episode. Visit us www.sobernotmature.com to leave comments about each episode.
NexTech AR Solutions CEO Evan Gappelberg joined Steve Darling from Proactive to provide an update the IPO spin-out the company's spatial computing platform ARway. Gappelberg telling Proactive the Canadian Securities Exchange has given the new company conditional approval to list using the stock ticker “ARWY” Trading is expected to begin in October following and annual general meeting which is schedule for October 12th. Gaappelbeg also says ARway is looking to be duel listed on the OTCQB and the Frankfurt exchange. #proactiveinvestors #nextecharsolutions #metaverse #cse #otcqb #frankfurt
Senior Farm and Ranch Broadcaster, Ron Hays, had the chance to visit with Robert Wells from Integrity Beef, an alliance that simplifies cow/calf producer management decisions and increases the marketability of calves through the production of high-quality, uniform, value-stacked, preconditioned cattle. Dr.
Detroit has returned to be a majority homeowner city for the first time in a decade. Julie Schneider, director for the Housing & Revitalization Department at the City of Detroit, joins the show to discuss the new census data and what it means for the city's effort to increase homeownership. Then, Jeff Cranson, Director of Communications for the Michigan Department of Transportation, stops by the show to discuss the newly announced $104.6 million grant toward the redevelopment of I-375.
"Personal Strengths ___ Enjoys working independently ___ Has a good sense of their personal strengths and weaknesses ___ Learns from past mistakes ___ Has persistence in carrying out assignments or activities ___ Is courageous in dealing with adversity and/or the unknown ___ Keeps a personal diary or journal ___ Has a good sense of humor ___ Possesses a sense of responsibility ___ Has strong opinions about controversial topics ___ Marches to the beat of a different drummer ___ Handles stressful events well (e.g. is resilient) ___ Has good character (e.g. honesty, integrity, fairness) ___ Has the ability to set realistic goals for him/herself ___ Has a sense of confidence or high self-esteem ___ Has good self-discipline ___ Has personal ambitions in life ___ Displays good common sense ___ Possesses personal vitality, vigor, or energy. Communication Strengths ___ Explains ideas or concepts well to others ___ Asks good questions ___ Is a good storyteller ___ Is a good joke teller ___ Has good listening skills ___ Handles verbal feedback (especially negative feedback) well ___ Has good articulation ability ___ Is able to effectively use non-verbal cues to communicate with others ___ Is persuasive in getting someone to do something ___ Has good assertive skills without being pushy. Emotional Strengths ____ Is emotionally sensitive to perceiving the world around them ____ Has an optimistic attitude toward life ____ Can tell how they are feeling at any given moment ____ Can easily pick up on the emotional state of another person ____ Is able to handle strong internal feelings in a constructive manner ____ Receives gut feelings about things." --- Send in a voice message: https://anchor.fm/antonio-myers4/message Support this podcast: https://anchor.fm/antonio-myers4/support
Kirk Cousins looked like he was in midseason form Sunday over the Green Bay Packers. Just how much better could the Vikings offense get as the quarterbacks relationship with the head coach continues to strengthen? Justin Jefferson earned high praise from numerous national outlets. So what happens when defenses start to key in on the super star wide out? Looking ahead, can the Minnesota Twins retain the talents of Carlos Correa this offseason and which other notable 2023 free agents the front office could target. Learn more about your ad choices. Visit podcastchoices.com/adchoices
The Fourteenth Sunday after Pentecost Text: Luke 15:1-10 Theme: "This Man Receives Sinners!" Readings: Isaiah 34:11-24, 1 Timothy 1:12-17, Luke 15:1-10 Rev. Daniel Redhage Trinity Lutheran Church The Lutheran Church-Missouri Synod Lowden, Iowa
Sermon, based on Luke 15:1-10, given by Pastor Wayne Huebner on the Fourteenth Sunday after Pentecost, September 11, 2022 The post Sermon: “This Man Receives Sinners” – Sunday, September 11, 2022 appeared first on Salem Lutheran Church and School.
Dr Mina Roces and her work, "The Filipino Migration Experience: Global Agents of Change" was recognised at the recent NSW Premier's History Award for the General History category. - Kinilala si Dr Mina Roces at ang kanyang akda na may pamagat na “The Filipino Migration Experience: Global Agents of Change sa kakatapos lang na NSW Premier's History Award para sa kategoryang General History
This September, Gateway is celebrating their 21st birthday by giving back to KZN… 21 times. Together with their retailers, Gateway has teamed up with Big Favour and Darren, Keri, and Sky to lend a hand and uplift the KZN community. Find out what Simone who is trying to create her own daycare gets to have from the Big Favour #DarrenKeriSkyOnECR #ECRBigFavour DAY 3: Starting her own daycare, Simone receives much needed assistance
This week's Espresso covers updates from R2, Auronix, Efinti, and more!Outline of this episode:[00:28] - R2 closes $15M Series A round[00:58] - Auronix receives $14.5M investment from Alloy Capital [01:26] - MEDU closes $4M seed round[01:53] - Plurall receives $20M in debt capital from Fasanara Capital[02:21] - Qanlex closes $3M seed round[02:50] - Efinti raises $1M in an investment round[03:12] - This week's new How to be the difference and Crossing Borders episodes[03:33] - Featured article on How to Recruit the Best LATAM Software Engineers by Gino FerrandResources & people mentioned:Companies & Startups: R2, PayU, Auronix, MEDU, Plurall, Qanlex, Efinti, Ontop, Leasy.VCs, Accelerators, Institutions: Gradient Ventures, General Catalyst, 166 2nd, Magma Partners, Femsa Ventures, Alloy Capital, MaC Venture Capital, Fasanara Capital, Carao Ventures, The LegalTech Fund, Preface Ventures, FJ Labs, J Ventures, Inversiones Andamas.People: Johanna Molina, Paul Lynskey, Julian Torres, Nathan Lustig, Gregorio Gilardini, Gino Ferrand.
We're giving you our regular Shooting the Flames episode, where we discuss all your comments, questions, and voicemails, and give you the latest horror movie news and trailers! If you have anything to add to the discussion, please don't hesitate to do so by reaching out to us on social media @TheFilmFlamers, or call our hotline and leave us a message at 972-666-7733! News ‘King on Screen' – New Documentary Focuses on Over 80 Stephen King Movies and TV Shows!: https://bloody-disgusting.com/movie/3727684/king-on-screen-new-documentary-focuses-on-over-80-stephen-king-movies-and-tv-shows/?fbclid=IwAR1XCKK4IGm-rPEz8pAxP34Tm7GxTxTDR7JMWA-L-DJZK-IMHcsDhqe1NI4 Jason Blum Teases ‘Five Nights at Freddy's' Movie and Jim Henson's Creature Shop Involvement: https://bloody-disgusting.com/movie/3726573/jason-blum-teases-five-nights-at-freddys-movie-and-jim-hensons-creature-shop-involvement-image/?fbclid=IwAR0aRZf2WJjJ3RVvhVhnhCgRMBaQHGy4whtacXwgVFBG6l2lvQ7_NervO9w ‘Hellraiser' Receives a Big R-rating for “Graphic Nudity” and “Strong Bloody Violence” Over at Hulu (David Bruckner of The Night House, Hulu, Coming Soon): https://ihorror.com/hellraiser-receives-a-big-r-rating-for-graphic-nudity-and-strong-bloody-violence-over-at-hulu/ NEWS‘I Know What You Did Last Summer' and ‘Psycho' Actress Anne Heche Has Passed Away: https://bloody-disgusting.com/news/3727140/i-know-what-you-did-last-summer-and-psycho-actress-anne-heche-has-passed-away/?fbclid=IwAR2CYa6P_8WCnSm2oj71P6gvyD6lRJzlekuczhLCXc7v17bQuD1f4cnTAv0 Trailers Journey to Hell: https://youtu.be/g-K6OSfk2eA Glorious: https://youtu.be/esqxTzc3lgM The Immaculate Room: https://youtu.be/QtJOgDca4FU Anne Rice's Interview with the Vampire: https://youtu.be/Uf0omSx_l7o Spirit Halloween: The Movie: https://youtu.be/YtUrw3b5KjI The Menu: https://youtu.be/CAWZMssP3gM Wednesday Addams: https://youtu.be/Di310WS8zLk Pearl: https://youtu.be/L5PW5r3pEOg Out this Month: Week 1: Shooting the Flames Week 2: A Nightmare on Elm Street Week 3: A Nightmare on Elm Street 2: Freddy's Revenge Patreon: Wes Craven Poll! Coming in October 2022: Tales from the Darkside Tales from the Crypt Top Ten Simpson's Treehouse of Horror Episodes Get in Touch: Support us on Patreon: https://www.patreon.com/TheFilmFlamers Visit our Store: https://teespring.com/stores/thefilmflamers Twitter: https://twitter.com/TheFilmFlamers TikTok: https://www.tiktok.com/@thefilmflamers Facebook: https://www.facebook.com/TheFilmFlamers/ Letterboxd: https://letterboxd.com/thefilmflamers/ Our Website: https://www.filmflamers.com Call our Hotline: 972-666-7733 Our Patrons: BattleBurrito Benjamin Gonzalez Bennet Hunter Brandon Anderson CenobiteBetty Dan Alvarez Daveruff87 Erica Huff Gia-Ranita Pitt George Kimberly McGuirk-Klinetobe Kyle Kavanagh Lisa Libby Loch Hightower Matthew McHenry Melissa Albrecht Nicole McDaniel Nikki (phillyenginerd) Orion Yannotti Penelope Perfecta Erecta Poodie Castle Random Dude Robert B. Sean Homrig The Unknown Patron Walstrich Sweet dreams... "Welcome to Horrorland" by Kevin MacLeod (incompetech.com). Licensed under Creative Commons: By Attribution 3.0 License http://creativecommons.org/licenses/by/3.0/ Includes music by Karl Casey @ White Bat Audio
Last month I talked to the women on The XY Code about the sexual signals they use rather than communicating openly about sex. In most areas of life, men are less into signals and hints than women, but sex is an exception. Perhaps you... The post How Your Wife Receives Your Sexual Signals appeared first on The Generous Husband.
In our Bonus podcast episode, available only for subscribers to the Pastor Paul community, Paul received a Tarot Card reading from Ashley Hefley, the Fairy Witchy Mama. Watch and see if the action feels "demonic" or scary as has been the description of mystic arts by the evangelical church for hundreds of years. Check out this former-evangelical-turned-mystic who believes even those who have not left Christianity can find practices, techniques, and healing in connecting with the earth through more “woo woo” type beliefs. * Watch these two talk live on Instagram: https://www.instagram.com/p/Cem5Bp1F4D-/ * Subscribe to Pastor Paul's Website to hear a bonus podcast where Ashley provides a Tarot Card reading for Paul: https://pastorpaul.podia.com/support #tiktokpastor #evangelicalish #ReligiousRightReligiouslyWrong #NPEpodcast #NonPartisanEvangelical #GodIsNOTmadAtYou #MindRenewal @PastorPaul_TikTok #tiktokpastor #evangelicalish #ReligiousRightReligiouslyWrong #NPEpodcast #NonPartisanEvangelical #GodIsNOTmadAtYou #MindRenewal @PastorPaul_TikTok
We are closing in on the start date of one of the most controversial World Cups of all time, taking place in Qatar. David Beckham has appeared in a promotional video for Qatar tourism, but why is this potentially problematic? Kieran Cunningham joined the Last Word to discuss. Catch the full chat by pressing the Play button on this page.
Actress Sydney Sweeney is commenting on the backlash she has received after pictures of her mom's birthday party went viral because of a guest wearing a Blue Lives Matter shirt....Joe says she doesn't have to apologize her explain herself.
We continue in our study through the gospels - A Nobleman Receives A Kingdom Reading: Luke 19:11-26 Scripture: Ephesians 2:10, 1 Samuel 25, Revelation 20:4, Revelation 20:12, 2 Timothy 2:11-12, Matthew 25:14-30 Oki Dokinotes: https://drive.google.com/file/d/1K4RjwPWX7c1yPIOf7tOnuhd8ZV1UoFSi/view?usp=sharing
If you're a fan of Schitt's Creek, The Handmaids Tale, The Saw III, The Saw IV, Rember, PawPortal, Killjoys, The Tuxedo, Degrassi: The Next Generation and Working Moms, you'll instantly recognize the very bold, beautiful, and talented Canadian Actress Kim Roberts, winner of The Vaughan International Film Festival 2022 Independent Leadership Award. She's one of the hardest and longest working Canadian Black actresses in Canada with an extensive list of impressive and diverse roles. Kim was also the first Black Actress to receive a speaking part in a commercial in Canada in the 1990's. Yes, that's how long it took! Because sadly, when Black actors and actresses make headlines, it's not always treated well. Such as with the announcement of Ncuti Gatwa as the 14th Doctor in Doctor Who, the first Black doctor; Moses Ingram receiving abuse, forcing Star Wars co star Ewan McGregor to defend her; and Steve Toussaint being forced to defend his appearance on Game of Thrones for being a Black character in a house that is seemingly only allowed to be white. Kim and other Black actors' achievements should be lauded, not treated as a surprise that they were able to do it because they were Black. Janette caught up with Kim at The Vaughan International Film Festival Gala awards to talk about her big win, her illustrious career with its highs & lows, reversing Roe vs. Wade, and what's next for her. Support us on Patreon www.patreon.com/janettestv Looking for more ways to support Janette's TV? Buy our merchandise here! https://www.janetteburke.com/shop Protect your Privacy with Express VPN. Find out how you can get 3 months free by clicking the link below. www.expressvpn.com/ Janette's TV & Podcast Channels www.youtube.com/watch?v=EDHHvKvXq7o Want my help on your media journey? Check out my 1:1 On-Camera Training Opportunity https://www.janetteburke.com/1-1-on-c... Interview Showcase Package Who Is It For? If you're a celebrity or thought-leader in your industry (i.e. an entrepreneur, professional, coach, consultant, speaker or book author) that wants exposure to mine and other audiences and also understands that in order to get it and become an industry leader you must first be camera ready, let's talk! I'll take you through the 4 pillars of my Interview Showcase Package. Book Your Complimentary 15-minute Audition! https://www.janetteburke.com/interview Book Your 15-Minute Complimentary Audition Link to my calendar below https://www.janetteburke.com/book-online
Disgraced former San Francisco Public Works head Mohammed Nuru has been sentenced to seven years in prison for what federal prosecutors called a long-running scheme of bribes and kickbacks. For more, KCBS Radio news anchors Patti Reising and Bret Burkhart spoke with KCBS Radio Insider Phil Matier.
A majority of Americans have a favorable view of pro-life crisis pregnancy centers even as politicians and corporations work to discourage the public from accessing them, a new poll suggests.A Christian school administrator in Florida says he's received threats over media reports about a school policy that requires students to be identified by their biological sex.As Wednesday marks Ukraine's Independence Day, Christian nonprofits and churches are continuing to assist those left devastated by Russia's invasion as Christians worldwide are being urged to set aside time to pray for the war to come an end.Refusing to review evidence from a Christian couple trying to recover their 12-year-old daughter after she was allegedly kidnapped and forced to convert and marry, a judge in Pakistan last week denied them custody, sources said.Subscribe to this Podcast Apple Podcasts Spotify Google Podcasts Overcast Get the Edifi App Download for iPhone Download for Android Subscribe to Our Newsletter Subscribe to the Freedom Post, delivered every Monday and Thursday Click here to get the top headlines delivered to your inbox every morning! Links to the News Most support public funding of pro-life pregnancy centers: poll | Politics News Christian school administrator receives threats over LGBT policy | U.S. News Is anti-racism ignoring 'human depravity among people of color'? | U.S. News Churches urged to pray on Ukraine's Independence Day | World News Judge stops Biden from enforcing 'emergency' abortions in Texas | Politics News Mailman punished for not working Sundays appeals to Supreme Court | U.S. News Pakistani Christian parents denied custody of kidnapped daughter | World News
The top news stories for 8/25/22 Contact the show: News@antiwar.com Sign up for our newsletters: Antiwar.com/newsletter Support the show: Antiwar.com/Donate Watch on YouTube: https://www.youtube.com/channel/UCuGQ... Watch on Odysee: https://odysee.com/@AntiWarNews:f
We can't receive if we don't believe. And when we receive Christ as our Savior, we also receive a relationship with God. Bible Reading: John 13-14 Verse of the day: John 13:20, "Truly, truly, I say to you, whoever receives the one I send receives me, and whoever receives me receives the one who sent me.” Word of the day: Receives. It is the Greek word: λαμβάνω (lam-ban'-o).
A new conservative nonprofit group scored a whopping $1.6 billion from a single donor. David Cay Johnston, co-founder of DCReport, Pulitzer Prize Winner and 4-time bestselling author is with Mark Thompson to explain how the low-profile Republican financier donated his company to the group run by Leonard A. Leo.See omnystudio.com/listener for privacy information.
Steve Swartz, "Great is Thy Faithfulness, Part 12: God Receives Humble Confession" (Ezra 9:6-15) from the Great is Thy Faithfulness series. More sermons available online at www.gbcob.org.
Steve Swartz, "Great is Thy Faithfulness, Part 12: God Receives Humble Confession" (Ezra 9:6-15) from the Great is Thy Faithfulness series. More sermons available online at www.steadfastinthefaith.org.
On this day in 1898, inventor and mechanic Edwin Prescott was granted the first patent for a vertical loop roller coaster.See omnystudio.com/listener for privacy information.
Joy Reid leads this episode of The ReidOut with the Hungarian autocrat Viktor Orban, who was accused of pure Nazi rhetoric by one of his own aides--but that did not prevent him from receiving the red carpet treatment by Republicans at CPAC. Also tonight, the Russian show trial ended just as everyone knew it would: with a barbaric sentence for basketball star Brittney Griner. So how soon until a deal gets done to bring her home? Plus, in the Alex Jones defamation trial the jury has returned a verdict on compensatory damages for his Sandy Hook lies. Our legal expert explains the details. Finally, Charles Booker, candidate for U.S. Senate in Kentucky, joins The ReidOut on the four officers charged by the Department of Justice in the case of Breonna Taylor's shooting death. All this and more in this edition of The ReidOut on MSNBC.
Phil talks about his blood problem and the man he sees for help, who doubles as a tractor mechanic. Jase cracks a joke about Phil getting his oil changed, and Al discusses a passage from the Bible in which a valley of bones snap together and regain their breath from God. Jase tells a hilarious story about receiving a very fishy package in the mail. Al shares his theory about a lack of blood in the afterlife and how it's connected to earthly beings. Sign up to watch the Unashamed overtime show, only on BlazeTV: https://BlazeTV.com/Unashamed Go to https://UnashamedMerch.com and use Code: Unashamed10 for 10% off and BlazeTV Subscribers get 20% off with the Code: BlazeSub - Learn more about your ad choices. Visit megaphone.fm/adchoices