Word: saving
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Dates: during 2000-2009
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...Save more. It's never easy. But it's not as difficult as you may think, and cheaping out is cool today. "It's time to become an obsessive saver," says Dave Ramsey, author of The Total Money Makeover. Start looking at what you spend on cars, travel, cable and phone services. You may be able to save hundreds of dollars a month right there. Refinance the mortgage while rates are still low. Use any new savings to pay down your highest-rate credit cards first. An alternative approach is to target your smallest debts first in order to experience...
...opportunistic. The recession has an upside. A lot of things you'll need in coming years are cheap right now - like cars and houses and fixed-rate mortgages. Take advantage now to save money in the future. Improve your credit score by reducing your card balances to 10% of available credit. This will shave future borrowing costs. If you're under 50, you have a lot of time to recover, so contribute enough money to get the full match in your 401(k). If you're 50 to 65, take advantage of the catch-up provision that lets you stash...
Work longer. You knew this was coming. Working longer allows you to save longer and delay the date of withdrawals. It also reduces the number of years that your assets will have to generate income in retirement - a powerful combination. In addition, you'll probably be able to postpone collecting Social Security and become entitled to a higher monthly benefit. A typical 62-year-old would boost annual retirement income 22% if he worked three more years and 39% if he worked five more years, says Christine Fahlund, senior financial planner at T. Rowe Price. "Be flexible with your retirement...
...sets and props are impressive or revolutionary, but their symmetry, harmonious colors, and moderate lighting render them all pleasant. The shadow silhouettes on the background wall are effectively executed; the visual factors of the play remain fairly quiet as well, never detracting from the action on stage, save for one moment. In an unfortunate set decision, the barricade blocking the entrance of the cave to hell goes flying, awkwardly disrupting the rhythm of the show. But unlike the soundtrack of “The Flies,” it was a forgivable error...
Harvard had a great chance to stretch the lead to 2-0 later in the second half when Goodman-Bacon finagled the ball past the Big Red goalie, but a Cornell defender swooped in to make a fantastic defensive save. The loss snapped the Big Red’s five-game home winning streak and was only Cornell’s second loss at Dodson Field, the Big Red’s field hockey field since last season...