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Financial Visions
5 Ways To Botch Your Lifetime Income Plan
Financial security in retirement is a concern for many Americans. According to LIMRA, seven out of 10 retirees and pre-retirees name “having enough money to last their lifetime” as a top priority. LIMRA also reports 67% of retirees and pre-retirees say “remaining financially independent” is another retirement objective. With these expectations, the importance of ensuring sufficient income for retirement can’t be overstated. But even with careful retirement planning, there are a number of pitfalls which could put income security at risk. Here’s a look at some challenges which may disrupt your financial security if they’re neglected. Common Hazards for Retirement IncomeEarly withdrawals from retirement accounts. According to IRS rules, withdrawals from a retirement account before age 59.5 are subject to penalty. On top of income tax on your withdrawn funds, you have to pay a 10% penalty fee. From that standpoint, early withdrawals erode the amount of retirement... (more)

Daily Devotion
Find Your Strength Through God
KJB Daily Devotion – Following Jesus Through Every Chapter Date: Wednesday, July 27, 2016 Chapters: Isaiah 25-28 Message: Find Your Strength Through God Hello My Friend, The past couple of weeks in Sunday school we have been discussing the dispensations, which means to administer, as laws to particular cases. It is the sin nature of man that brings us in a direction that has nothing to do with God, and while today we are no longer under the law of works for our salvation, God still deals with sin the same way, and it separates us from Him. God may have had different ways in which He dealt with man over the centuries in regards to reconciliation, but one thing He never changes is His desire for all of His creation to acknowledge and love Him, which is why He sent Jesus. “For God so loved the world, that he gave his only begotten Son, that whosoever believeth in him should not perish, but have everlasting life. For God sent not his Son into the world to condemn the world; but... (more)

DailyDiary
Mystery Words
I try to go to places where I will find Spanish words I don't know. Today, I read passages from the Holy Bible in Spanish. There were a lot of words there that I didn't know. So everything was new to me. The words were like little mysteries I had to solve. What is this word? What does it mean? Also, there was the satisfaction of finding out and knowing what the words meant. I looked in the Book of Proverbs which is chock full of these mystery words. Two words I really liked were "colinas" and "sabiduria." Another place you can find new words in Spanish is in menus at restaurants. The meal itself is a mystery, because you don't yet know what the words mean. When you order the food, then you know what the words or phrases meant to say. You can also ask the waiter or waitress to explain the words in the menu. That is a great way to immerse yourself in the language. Mystery words, then, are something you can always look at when you are anywhere on the globe. I want to... (more)

.: LifeHasBegun:.
Makan Makan Makan Makan @
Dapur Penyet

Apa lagi lah aktiviti kau kan Laila!. Hahah Sementara tengah free skit nieh, meh la clearkan draf. Gambar ini rasanya masa Naim balik sebelum puasa hari tu. Dah lama dah. (Ok dah check dalam ipad, gambar ini masa 16 April lepas) Rasanya masa ini first time makan Dapur Penyet sebab paksa Naim suh belanja. Maklumlah birthday girl, haruslah ada kuasa veto :) Bulatnyaaaaaa muka time nieee. Walaupun sekarang tak berapa lah nak runcing sangat. Sebab tu dah malas nak selfie. Sebab ngeri tengok muka sendiri. Time ni bapak pun ada, tapi rasanya kitaorang tengah tunggu bapak solat kot. Sebab tu tak dak dalam gambar. Ni lah teman gaduh and teman bermanja dekat rumah sekarang. Kalau nanti dah balik Johor, haruslah kesunyian. Gaduh dengan Alya Maisarah la pulak. Hahaha. Licin! Sedap gak. Dulu dok makan dekat Ayam Penyet, tapi lepas dah tutup tak tau dah dekat mana lagi ada. Mujur dekat Mydin Mall Jalan Baru ada Dapur Penyet. Jadilah dapat hilangkan teringin. TIme nie baru dok... (more)




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