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This is the pause you need to shift into a higher gear and take off like a rocket. Over the last 100 years, after all, the stock market as measured by the Standard & Poor's 500 index has returned an average 9. To begin with, it was based on investors collecting the long-term annual return of 8% from stock market investments, even after inflation. It's wonderful to be unserious in a pursuit. It'll show you what you're made of crossword. AQUARIUS (Jan. 20-Feb. 18): With most of the work, you do it in a timely manner and get your results at the end.

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• Eight free things to do in Hattiesburg: Museums, nature, art, shopping

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As the SEC advises investors, even a 1% annual fee can shave $30, 000 from a $100, 000 investment over 20 years, compared with a 0. That might be a big enough loss to prompt would-be retirees to keep working or abandon their dreams of a retirement home or an around-the-world cruise. Get the latest from Michael Hiltzik. Pence didn't say outright that he advocates killing Social Security. This happens when the current is stronger than your intention. Let the energy gather. Raising the Social Security retirement age would hurt low-income and Black workers. More highlights: a raise, an unexpected declaration of love and commitment and the sort of parties people will talk about a decade from now. It'll show you what you're made of crossword puzzle. As for survivors and dependents, Social Security provides benefits for those whose breadwinner has died after qualifying for benefits, which happens after working for 10 years, or 40 quarters, in which he or she has earned at least $1, 650 in covered wages per quarter. A $1, 000 annual contribution would grow to only about $18, 800 after 10 years, even in the high-return stock markets of 2009-2021 when the inflation-adjusted CAGR was 13. Keep your head on a swivel.

Investment returns over successive 45-year stretches, however, are highly variable. Pence claimed that "we can replace the New Deal with a better deal. ARIES (March 21-April 19): Nothing is a chore to you today, especially the sort of work that might normally be classified as such. So here comes Mike Pence. He whined about "this trajectory of massive debt that we're piling on the backs of [our] grandchildren" and attributed most of it to Social Security and Medicare (the "entitlements"). Fees aren't relevant to Social Security, which bases its retirement benefits on a worker's pay over his or her best-earning 35 years. This begins a process of gathering information, seeing what there is to do and getting those wild wheels of the mind turning. Was made up of crossword clue. SCORPIO (Oct. 24-Nov. 21): Maybe you are the type of person who will do anything to facilitate a loved one's enjoyment. Typically, that would grow slowly in its first years and more rapidly as time goes on. That's the Republican and conservative habit of employing plausible-sounding jargon and economists' gibberish to conceal their intention to hobble the program. Do nothing to interrupt the show about to unfold before you.

Those who retired in 2008 after investing the same $1, 000 annually for 45 years would have only $141, 575, or about one-third as much. But if their ideas are so great, one must ask, why not impose them on everybody? Your data in Search. As anyone would know who has tried to price a long-term annuity, inflation protection is incredibly expensive, especially during high-inflation periods like now; one must give up a sizable portion of present-day payments to have them keep up with the inflation rate into the future. This is also a cherished Republican stunt — guaranteeing that their "reforms" won't harm current retirees and the near-retired. Those who were sufficiently lucky, or wise, to retire in 2017 after investing, say, $1, 000 a year in their personal accounts for 45 years straight would have about $419, 785. With water sign energy conspicuously missing from his natal chart, perhaps he relied on the rich social intuition of the sun and Mercury in Aquarius, the sign of tomorrow. Reggae pioneer and groove superstar Bob Marley came into the world on this day in 1945, and at age 36, the "Ambassador of Third World" left the planet a musical legacy of eternal good vibes. Before he was a cultural movement, Marley was said to enjoy spooking people with visions of their future. The event wasn't open to the public, but a video and transcript was posted by American Bridge, which is affiliated with the Democratic Party.

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The New Deal remade the relationship between the U. S. government and its citizens so that, for the first time, government served the average citizen, not merely the rich. As Eugene Steuerle of the Urban Institute calculated in 2021, someone retiring in 2025 and paying the maximum tax every working year will have paid $831, 000 in Social Security taxes, including the portion paid by employers, over 45 years. One is that the program provides not only retirement benefits, but insurance for a family against a worker's disability or untimely death. GEMINI (May 21-June 21): You get the feeling you're drifting off track. A private account could provide that succor only up to the balance in the account. Never mind that the GOP has never proposed any deal better for ordinary Americans than the New Deal — the Rooseveltian program that brought us Social Security, the National Labor Relations Act, more effective regulation of the financial markets and work-relief programs that kept millions of families out of poverty during the Great Depression.

Commentary on economics and more from a Pulitzer Prize winner. Instead, workers might be prompted to entrust their accounts to financial services firms, which would exact fees in one form or another — and not always fully disclosed. The day after the full moon in Leo is a snow leopard stalking its prey without intent. Certainly not that the government would manage those accounts; that would be an enormous task, given tens of millions of individual accounts. The omnibus bill signed by President Biden will make it easier for many people to save for retirement, but more help is needed. The most deceptive aspect of the push for private accounts is that it ignores several key features of Social Security. That's still true of private accounts. It's amazing that Pence would air out the private-account idea now, after a year in which the stock market returned a negative 23% (inflation-adjusted, as measured by the Standard & Poor's 500 index). But make no mistake: Diverting any significant portion of Social Security taxes into private accounts would make the program unworkable, funnel untold wealth into the hands of Wall Street promoters and leave millions of families destitute. Pence complacently assured his audience that "the government would oversee" private accounts, but what does that mean? After that point, widows or widowers are entitled to at least 71. You may occasionally receive promotional content from the Los Angeles Times. Think of it this way: Let's say you start with $1, 000, and this year you gain 100%.

The stall in the action is your lucky break. It's true that Pence advocated "simple" accounts yielding 2% a year that he said "would give the average American twice what they're going to get back on their Social Security today. " Ever since the New Deal's historic launch in 1933, Republicans have tried to turn the clock back to prehistoric times. Column: Mike Pence, would-be president, has a plan to kill Social Security.

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Don't finagle to try to figure it out. Pence is carrying water for the Wall Street firms that will be circling small investors to suck up their assets. The pounce will come much later. Former Vice President Mike Pence dipped his toes into the presidential campaign waters Feb. 2 with a proposal that would mean the death of Social Security.

This claim was always dependent on ignoring the multitude of pitfalls along the way. Seen from one perspective, that projection seems conservative. Choose carefully who to love and how. "A very simple fund that could generate 2% would give the average American twice what they're going to get back on their Social Security today. CAPRICORN (Dec. 22-Jan. 19): Pay attention.

Politicians would face pressure to bail out the most unfortunate cohorts — but any such proposals might be resisted from the most fortunate retirees. CANCER (June 22-July 22): The problem, believe it or not, will work itself out. That's the benchmark we must use for private accounts. In his Feb. 2 appearance, Pence attacked Social Security by employing the bog-standard GOP rhetoric about fiscal policy and "entitlements. You'll have bright ideas and you'll follow through fearlessly, or push through your trepidation to create experiences that elevate you and delight others.

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"Whoever earns at least the minimum wage can become a millionaire in 45 years. Last year's stock market decline would pare a worker's $400, 000 nest egg by about $80, 000. You'll consider yourself lucky today to see the opportunity and act on it. PISCES (Feb. 19-March 20): You've had your heart stolen thief-style and you've had the experience of giving it with great consideration. That's Pence's goal. Save your time and everyone else's by moving on to a more natural melding of interests. I wrote a book at that time explaining that the Bush plan was "endangering our financial future. " 57% (for the 1964-2008 period) to 8. Another problem that private account promoters gloss over is that stock market volatility undermines the predictability of retirement resources.

When they're done, there will be nothing left of Social Security. The latter style is favored now. TAURUS (April 20-May 20): You have goals. While you spend the best of your time with the people who feed your soul, problems will work themselves out. Just last year, the Securities and Exchange Commission fined Charles Schwab & Co. $187 million for hiding fees and expenses from clients invested in mutual funds that were advertised as having neither advisory nor hidden fees. That's your compound annual growth rate, or CAGR, and it's the only calculation that incorporates the rise and fall of volatile investments such as stocks. Sweeping, cleaning, dusting is all an exercise in appreciation for all the bounty you have the privilege to maintain. After 20 years of the same return, the portfolio would still be worth less than $86, 000. Neither is better than the other.

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Claim this Business. Perfect for a weekend adventure, the route we've mapped will lead you to incredible antique shops, great eateries, and historic accommodations. One of the largest selections of Antique and Custom Home Furnishing direct from China. Feet full of everything for your home, antiques, retro, shabby chic, modern, leather, and more. She visited China, Indonesia, Malaysia, Whales, France, Russia, and the rest of Europe, too. Tell us in the comments section. Phone: 601 270 0067. 6142 U S Highway 98 Ste 20. 2103 West Pine Street. He likes to charge fancy antique store prices for items that are broken and covered in dust and cobwebs. 604 Carroll Gartin Blvd.

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