Monthly Archives: August 2020

Top Live Casinos with European Roulette by Evolution Gaming – Tunf.com News

Posted: August 30, 2020 at 2:47 am

Although it is slightly different than classic roulette, European Roulette by Evolution Gaming is popular as much as the original, much-cherished version of the game. European Roulette is not necessarily tied to the Old Continent only, it is also played in the rest of the world. Like many other Evolution Gamings products, European Roulette is available on multiple devices and its in-game menu allows you to navigate the game with ease.

European Roulette offers you the finest live game experience. It is set in an amazing environment, and the games camera coverage is simply superb. You will be able to see everything in HD. Also, the game is managed by a skilled live dealer with whom you can communicate via the handy live-chat option. Simple, immersive, and fun, European Roulette will keep you occupied for hours.

To play it, visit one of the three sites named below. The venues that we have picked for you are all 100% safe and will provide you with the best gambling experience in the world. So, without further delays, lets introduce you to the top 3 live casinos that offer European Roulette!

Always welcoming to newbies, Fruity Casa Casino is a site that boasts a host of loyal followers who hail from all parts of the world. Beloved because of its huge portfolio dotted with top-notch goods, Fruity Casa is a site that will never stop growing. It regularly imports new games and shuffles new bonuses and promos. Here, the fun never stops, therefore, make sure that you visit this site more than once, there is always something new at Fruity Casa Casino.

Known for its playful spirit, Casumo Casino constantly looks for new ways to improve customers gambling experience. Besides awesome bonuses and promotions, the site is filled with exciting games developed by the best vendors in the industry. Here you can play all types of games, from the finest card games and slots to best roulette games in the world, Casumo has it all! Also, the site boasts a fine VIP program, it would be wise to check it out!

Managed by a group of gambling enthusiasts who know what their players want, Play Frank Casino imports only the best products for its customers. This site is a synonym for quality, only the most reliable developers are allowed to export their goods here. Besides fine live dealer games, this casino also boasts top-quality slots and scratchers. If thats not enough, know that Play Frank Casino also has one of the best loyalty programs in the world too!

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Real Money Live Casinos with Turkish Roulette by Evolution Gaming – Tunf.com News

Posted: at 2:47 am

Developed for those who live in Turkey or speak the Turkish language, this particular roulette variant has a unique setting and addictive gameplay. The studio is decorated in an exotic style, its dotted with Asia-Minor and Lepantine motifs. The game is set in an elegant environment that features the colors of the Turkish flag, plus, many other elements are inspired by Turkish cultural heritage too.

The skilled dealer who manages the game speaks Turkish, and, thanks to the live chat option, you will be able to converse with him or her. The games in-game menu is rich with features and its also very easy to use. Created to provide its customers with a unique Turkish roulette experience, this game still follows the European rules with a single zero socket. Available 24/7, Turkish Roulette represents the apex of Evolution Gamings creativity.

To play it, you will need to visit one of the three casinos listed below. The sites that you are about to see are all 100% safe and own big portfolios, filled with interesting games. When you are done reading about Casumo, Play Frank, and Fruity Casa Casino, make sure that you visit these places.

This sites live dealer games department is rich with blockbuster games. Many of its live dealer products were made by Evolution Gaming, so expect to see some really good titles at this site! Besides roulette and cards, Casumo Casino also offers many fine slot games. The site also knows how to improve players gambling experience by offering them various bonuses and promos. After all, this venue boasts so many loyal fans, it would never allow itself to lose their affections.

Play Frank Casino is a site that follows that old quality over quantity rule. Although it has a solid number of games at its disposal, this casino is still very thorough when importing new products. Here, only the names like Evolution Gaming, NetEnt, Microgaming, Playtech, and Yggdrasil are allowed to store games. Play Frank Casino works with the most reliable providers only, and that reflects positively on its selection of games. Its portfolios quality is simply superb. Besides many bonuses and promos, Play Frank Casino also features a really great VIP program, rich with prizes, gifts and other boons.

Colorful and playful, Fruity Casa Casino is a hospitable place that really enjoys seeing new faces at its site. Because of its friendly demeanor, the sites fan base is constantly growing. That has motivated Fruity Casa Casino to import more and more new titles, and now, its vast and diverse portfolio looks even better! Here you can play any type of gambling product, Fruity Casa Casino has many good slots, intriguing card games, and fine roulette variants at its disposal. Also, this venue is quite generous with its bonuses, these are being updated regularly and are suitable for both rookies and veterans.

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Rushing Roulette: With David Montgomery Potentially Out, What are The Bears Options at Running Back? – Windy City Gridiron

Posted: at 2:47 am

Earlier today, the unfortunate news broke that David Montgomery left practice with a potentially serious injury. This is incredibly bad news for the Bears, but even more so for the second year player who is looking to improve in his sophomore campaign with increased comfort both with the playbook and with the NFL in general. All around, not good.

This being the NFL however, the season must go on (assuming COVID doesnt do it in). So. What exactly are the Bears options at running back? Ill break this down into two sections: Long Term (if Montgomery misses most or all of 2020), and Short Term (if he only only misses a handful of games or less).

Seeing that there isnt really a suitable long term replacement for Montgomery on the roster with only Tarik Cohen, Ryan Nall, Artavis Pierce and (sort of) Cordarrelle Patterson behind him, Ryan Pace would likely look to bring someone in. With that in mind, these are the best FA options available for a long term replacement:

Freeman is a fairly accomplished NFL starter, and has operated well in a timeshare too (something that could easily be done in Chicago with Tarik Cohen). He is a jack of all trades type back who can be equally useful in the passing game as he is in the ground game. At 5 8 and just over 200 lbs, he is a physical runner with good burst and vision who is solid at everything, if not spectacular at anything. He runs good routes and has developed into a pretty good pass blocker during his 6 year career, so on paper he has every down back versatility.

Of course, he was released in Atlanta for a reason. He didnt look himself last season, seeming a step slow and lacking power. Of course he did miss most of 2018 after sports hernia surgery, and battled a recurring foot injury as well. At this point, its tough to say whether that played a role in his down performance in 2019, or if age has caught up with him at 28. Running back is a physical position, and he was a physical runner after all.

If he is back to his old self after another off-season of recovery, then he could make for a solid long term replacement for David Montgomery.

Ware has never really been a starter in the NFL. Yes, hes been called on to start, but hes never really been a teams featured back. That said, he is an accomplished runner and has produced well when called upon. At 5 10 and 224 lbs, he is a big, physical runner with a nasty streak who excels at short yardage. While not a prolific pass catcher, he is competent enough to be trusted in the pass game.

Is he as versatile as Montgomery (or a healthy Freeman)? No. Does he move the chains anyway? Yes. Having averaged 4.6 ypc through his career, he has established himself as a guy who can get it done when called upon. On top of that, having spent 4 years in KC, he is more than familiar with Matt Nagys offense. That said, he would probably be better utilized in a timeshare with Cohen and Patterson than as a featured back in his own right. Theres also the question of whether or not hes fully healthy after being placed on IR late last season with a torn Rotator Cuff. He was also a free agent for most of last season before being re-signed by the Chiefs after a slew of injuries at the position, and didnt exactly light the world on fire in his 3 games back.

With all that in mind, if he is in good physical condition, Ware could be more than useful for the Bears should Montgomery miss significant time. His utility as a short yardage and goal line back alone would be useful, but he would also be a solid piece to have in a rotation with Cohen and Patterson on early downs as well. Hes not a replacement for Montgomery, but he could be a strong anchor for a committee, and at a bargain basement price most likely.

Crowell is an interesting back. Hes been a starter, but still doesnt feel like hes ever gotten a fair shake. Being in Cleveland will do that to I suppose. At 5 11 and 225 lbs, he is a big bodied back with good burst, vision, change of direction and balance, with enough top end speed to do some damage at the second level. Hes never been much of a receiver, but of course hes largely had to deal with Cleveland quarterbacking (and Duke Johnson), so he may not be as bad as his numbers make him look in that regard. Pass pro is a question with him, but again, he often spent much of his time off the field when in passing situations, so its hard to judge that fairly as well.

Obviously, hes coming off a torn Achilles that cost him his 2019 campaign. Thats not an insignificant injury to come back from, so questions remain as to where he is physically at this point. If he is healthy though, he is an intriguing option at the position carrying a career 4.3 ypc average and a skill set that could be very useful to this Bears team should they be without David Montgomerys services long term. I could see him fitting adequately at the top of the rotation with Cohen and Patterson, and would likely come at a team friendly price as well.

In the case that Montgomery doesnt miss much time, there are a slew of other options the Bears could take.

If Montgomery is only likely to miss a few weeks, the Bears may well just run with what they have. A rotation of Nall, Cohen and Patterson isnt exactly inspiring, but it may work well enough in the short term to negate them needing to bring in another back, or maybe just bring in a UDFA like Reggie Corbin to shore up the back end. In my mind, should Montgomerys injury not be serious, this is the most likely course the Bears take.

Powell has always been a solid role player in New York. The fact that he stuck with the team for 9 seasons should be a testament to that. At 5 10 and 205 lbs, Powell is a solid runner carrying a 4.3 ypc average through his career, and a reliable pass catcher out of the backfield. On top of that, hes quite good in pass protection making him useful even when not running the ball. At 31, hes likely no season long solution, but for a game or two, hes probably better than anyone currently on the roster, and it wouldnt hurt to have a veteran presence in the running back room.

Look. Marshawn isnt the Marshawn of years past. Hes 34, and has gone through his fair share of injuries. Im really only bringing him up due to name recognition and dont see him as a legit option really. That said, with fresh legs and a committee approach, he could be useful for a game or two, assuming he takes his Geritol.

Thompson is more of a 3rd down back than a true runner. This might be a bit redundant with Cohen and Patterson on the roster, but theres little denying Thompsons acumen as a pass catcher. Could Matt Nagy shift to a short pass game out of the backfield in place of a true ground game until Montgomery gets back (assuming his injury is monor)? Maybe. If thats the plan, then Thompson wouldnt be a bad option. Id say this isnt a terribly likely outcome, but it is worth mentioning. Never mind, I somehow missed he was signed by Jacksonville. Ill leave this here as the point still stands.

Ive heard Bells name bandied about as a possible trade target for the Bears should Montgomery be lost for a significant amount of time. While I think its unlikely The Bears swing such a deal, it is worth looking at. Ill spare you going over what Lev Bell could bring to the team, as Im sure youre all familiar. Suffice to say, he would likely fit in well in this offense, and has a skill set well suited to being the lead horse on a Matt Nagy team. However, the cost to acquire him would be not insignificant, and his contract would put a decent dent in the cap space. That said, there is enough space, and any draft pick investment in him could probably be recouped in the off-season should they trade him away (assuming he has a good season).

Like I said, I dont see this as a likely outcome, but it is worth mentioning.

Im sure everyone here will join me in hoping for a quick recovery for David Montgomery. I was (am) personally excited to see what the kid can do in year two, and this injury is a real shot to the gut. Hopefully hes good to go opening day, but in the chance hes not, what are your thoughts on what the Bears should do? Leave them in the comments below.

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City of San Francisco Pays for Billboard on ‘Safe’ Heroin Injection – American Council on Science and Health

Posted: at 2:47 am

Several months ago, we were about to cover an important story out of San Francisco. However, the coronavirus pandemic hit, and we've been focused almost exclusively on it since then. But now, we're starting to shift back to our regularly scheduled programming.

Back in March, the City of San Francisco paid for a billboard as part of a harm reduction campaign that displays easily the dumbest, most dangerous public health message we've ever seen:

This is jaw-dropping. Rather than encourage people not to use heroin at all, San Francisco is teaching residents to do so in groups because it's less harmful. That's like saying, "If you're going to play Russian roulette, please do so with plenty of medical equipment handy in case we need to put your brains back inside your skull."

In merely a handful of words, the city is providing deadly misinformation. Let's go through them.

Use with people and take turns. Take turns? If you're the last person to inject heroin, that means everybody else is already blitzed out. Who is going to help you now? Also, the poster doesn't mention the importance of not sharing needles, so we can assume that will be happening at these city-approved heroin parties. That's an excellent way to spread HIV, hepatitis, and other nasty infectious diseases.

Get free naloxone. Returning to our Russian roulette analogy, this is akin to saying, "Wear a helmet." Naloxone certainly can save the life of a person who has overdosed on heroin or another opioid, but it doesn't always. One study claims that naloxone, when administered by just an average person, is effective 75% to 100% of the time. That's good, but it also means that roughly 1 in 4 people who overdose on an opioid will die anyway, even if given naloxone.

Let's take care of each other. Uh-huh. The best way to take care of each other is to encourage people never to take these dangerous drugs. Heroin is inherently unsafe because it's impossible to know what stuff bought off the street is adulterated with. It could be anything from fentanyl (which is far more potent and deadlier than heroin) to rat poison. The neighborhood drug dealer isn't always trustworthy.

When does harm reduction make sense?

In general, we are in favor of harm reduction as a public policy when it comes to chronic health problems, such as smoking. Vaping devices and e-cigarettes are a far better choice than tobacco. But harm reduction is a dangerous policy when it comes to drugs that can kill you in a single overdose. Hopefully, that billboard has been pulled down.

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Advantages of Playing with Live Dealer in Online Casino – The Sports Bank

Posted: at 2:47 am

Real-time games are a small revolution in the online casino industry. This direction appeared in the 2010s and has been developing rapidly since then. Innovations in this area appear more often than in other casino games, and the presence of a live dealer gives the player special advantages, which we will talk about in this article.

Pros of Live Games for UsersNot all casinos offer real-time games. They are available only on trustful sites that have a valid license. So, to experience the best honest live dealer gambling, you simply need to find a site with a license and read more about it on the Internet.

Why does the presence of such games confirm the high level of the site? Because it is one of the most expensive gaming products in the industry. In addition to the software, real professional dealers are involved. At the same time, the broadcast comes from several viewing angles using valuable video equipment. So, there are simply no fakes in Live games.

Among the other advantages of real play games, we can emphasize the following ones:Realistic gambling process;A real dealer;24/7 availability;Advanced functionality;Ability to observe without placing bets;Transparency of results;The virtual reality.

Realistic process is the main advantage of real-time games over similar software versions. The developers incorporated the Live games just to create a real casino with its atmosphere and sounds at the click of a mouse.

All broadcasts of games with a dealer are conducted in real-time. Special studios are equipped or halls of real casinos are used for filming. If the shooting is done in a studio, real casino equipment is still used for it: specialized tables for card games or roulette, real decks of cards, and so on. The speed of dealing cards and roulette is the same as in a real casino. Many people appreciate this rhythm.

Real DealerFans of land-based casinos most often say that among all the advantages of a casino they appreciate the atmosphere and communication with dealers. A specially trained professional is not just a support staff attached to a card table or roulette wheel, but also a pleasant facilitator with whom it is interesting to have a conversation and who you want to look at.

A live dealer turns the game not into entertainment alone, as in most Internet games, but into a game with a partner, which is many times more interesting.

In ConclusionAs you can see, real-time games are definitely worth your attention. You can experience all the benefits of playing with a live dealer right now by choosing any of the reliable platforms and joining the game. If you have a free evening and want to spend it with pleasure real-time games are exactly what you need to try! Good luck!

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We Need Universal Basic Income And We Need It Now – Scary Mommy

Posted: at 2:46 am

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Weve been having this conversation for years, the discussion about why we need universal basic income (UBI) in the United States. While many of us are still waiting to receive stimulus checks and millions of people remain out of work and filing for unemployment, we need universal basic income now.

Other countries have done thisprovided a monthly income check for all their citizens. Germany is piloting it this week amid the pandemic (because, duh, a pandemic is exactly the time that families are stretched thin and need this extra boost). We can look at other countries as a guidenot only for universal basic income but to understand how they are handling the pandemicand adopt some of the ways they are investing in their people.

Can you imagine if our country and its leaders would come together and guarantee that all of us have a basic life safety net no matter what shitstorm is thrown at us?

The idea behind universal basic income (or UBI) is that the government provides a specific amount of money every month to its citizens, keeping people out of poverty, in hopes that they will also remain employed and contributing members of society.

In Germany, over 120 people will receive $1,420 a month for the next three years, which is just above Germanys poverty level and the government will be studying how this affects their citizens. The study will then compare the 1,380 people who did not receive a monthly payment. In Germanys case, 140,000 private donations have funded the study conducted by the German Institute for Economic Research which will study the work, lives, and emotional well-being of participants to determine if basic income has had a significant impact on their lives.

But we dont need to go all the way to Germany to understand that universal basic income can work: just look at Alaska. Through their Alaska Permanent Fund Dividend, the government provides $1,000 or more a month to their citizens and has been since the inception of the fund in 1982, keeping them above the poverty level.

Alaska seems to be doing things right.For example, 40 percent of respondents say the yearly dividends have made a great deal or quite a bit of difference in their lives over the past five years, while only 20 percent say it has made no difference, explains Salon. Interestingly, Alaskans were also asked about how the dividend affects work incentives and willingness to work: 55 percent report no effect, 21 percent a positive effect, and 16 percent a negative effect. Thus, the majority of Alaskans report that the dividend has little to no effect on work.

If we take a step back and look at our government, theCARES Act was a temporary (rather unsuccessful and broken) fix to a much greater problem Americans are drowning and the economic wave we are all riding out together is drowning us.

The need for a universal basic income plan is more than a bandaid solution, like a stimulus relief act is. UBI would give Americans something to depend on month after month income they know is coming to feed their kids, put gas in their cars to go to work, and provide other necessities. The CARES Act is an attempt to support the economy by giving Americans money they will use to spend on things: vacations, home improvements, clothes, toys, and more while the UBI will give stability to families in need.

As of July, the United States Department of Labor reported that 1.8 million Americans filed for unemployment, which means that 10.2% of Americans are struggling to keep a roof over their heads, food on the table, and maintain some sort of livelihood.

We cannot wait for another pandemic or the bubonic plague to land here with no plan in place for feeding families, keeping people in their jobs, and their homes. We need universal basic income sooner rather than later. We need a president who gets it and wants to make economic equality a thing. We need a president in the White House who does not just care about how many tweets can be pushed out (from the toilet) into the social media stratosphere each day.

We need a president and government who see poverty as a problem, who recognize that being out of work means not being able to provide for ones basic needs and that solutions are out there, if only we would take initiative, and do the right thing.

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To retire before 45, a couple used 3 strategies to save 70% of their income – Business Insider – Business Insider

Posted: August 28, 2020 at 12:33 pm

Personal Finance Insider writes about products, strategies, and tips to help you make smart decisions with your money. We may receive a small commission from our partners, like American Express, but our reporting and recommendations are always independent and objective.

Christina and Amon Browning, of Our Rich Journey, knew by their late 20s and early 30s that they wanted to retire early. While they reached financial independence in a relatively short amount of time they retired at ages 39 and 41 it required aggressive saving.

Living in the San Francisco Bay Area at the time, they had to navigate high costs of living. The couple also had to find ways to increase their income in order to save more, and reach financial independence on their timeline.

It took them about 10 years to reach their goal. At one point they were saving 70% of their income, the couple told personal finance expert Farnoosh Torabi on an episode of her podcast, So Money.

Their aggressive savings tactics are part of the reason they were able to reach financial independence in a short amount of time. Here are the three measures they took to make it happen.

"We didn't start saving 70% of our income overnight," Amon said on the podcast. Like most American families, they had expenses like car payments, a mortgage, and bills that kept them from saving a huge chunk of their income.

"Before we really got intentional about our saving and investing, we were investing and saving about 10 to 15% of our income," Amon said. "But when we got intentional about it ... we realized that there were a lot of things that we can start to save on."

It took them a little while to pare down their expenses and identify priorities. "We just tried to focus on getting 1% better," said Amon.

House hacking is a popular way to cut back on housing expenses and earn income, generally involving renting out your primary residence or another home to cover your housing costs. Christina and Amon used the method several times while living in California, and sometimes even made more than they spent.

One house-hacking mission involved buying a fixer-upper with a small down payment and updating it themselves. They then used the increased value and equity to buy other properties, and rented out the home on a home-sharing site. "Because we were able to make so much on Airbnb, it covered the cost of the mortgage on the house and the apartment, so we were able to live rent- and mortgage-free," Amon told Business Insider by email.

In another example, the couple rented a three-bedroom apartment, living in one room and renting the other two. "We rented each room out separately and used the money from the rented rooms to pay for the place," Amon said. They now live in Portugal with their two daughters.

Amon and Christina said that cutting down their expenses helped them to save more. "We stopped trying to keep up with the Joneses," Amon said. "We broke from the consumer culture."

One such expense was their luxury SUV. "At one point, we were driving a BMW X5," Amon said. In 2020, a new BMW X5 goes for about $59,000, according to the manufacturer's website. The couple decided to get rid of this cost, opting for a more affordable used car instead.

They replaced their daily driver with an $800 used minivan, Amon told Torabi.Without a car payment, and with no loan, the used minivan helped free up cash. "That was another huge area of savings," he said.

Disclosure: This post is brought to you by the Personal Finance Insider team. We occasionally highlight financial products and services that can help you make smarter decisions with your money. We do not give investment advice or encourage you to adopt a certain investment strategy. What you decide to do with your money is up to you. If you take action based on one of our recommendations, we get a small share of the revenue from our commerce partners. This does not influence whether we feature a financial product or service. We operate independently from our advertising sales team.

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Is the FIRE Movement Burning Out? Financial Independence, Retire Early in 2020 – The Ticker Tape

Posted: at 12:33 pm

The financial independence, retire early (FIRE) movement was all the rage in 2018 and 2019, but the COVID-19 pandemic has changed the way we think about a lot of things. Has the upheaval in 2020 changed the desire to FIRE? And how might retirement plans be affected by the current situation?

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In recent years, the financial independence, retire early (FIRE) movement has caught the collective imagination of a subset of investors.

FIRE investors aim to save and invest enough to quit the rat race way before age 60 and focus on pursuits that provide meaning and fulfillment. Even if FIRE devotees continue to work or become entrepreneurs after early retirement, the idea is that its based on their choice, not on financial constraints.

But 2020 has been tough. Millions are out of work, the economy slipped into recession earlier this year, and concern is widespread about how long the stock market can continue its unprecedented run. How does a year like 2020 affect the FIRE movement, and what can investors do to protect their retirement plans in a pandemic?

One of the biggest aspects to reaching FIRE goals is investing. Many of those looking to achieve financial freedom have worked out a specific target net worth to obtain through investing, often using an indexing strategy.

Many in the FIRE community remain on track. Other than a somewhat-scary market drop in March, the stock market hasnt reflected that the underpinnings of the economy could be in trouble. In fact, the anonymous FIRE blogger A Purple Life recently wrote about hitting her FIRE number and moving forward with plans to retire this year.

But its not just about a stock market that continues to grow. Dara Luber, senior manager, retirement product at TDAmeritrade, pointed out that many in the FIRE community understand there are ups and downs to the market.

Most participants in the FIRE movement always had a plan, because this is something they know they want to do and they know how the market works, Luber said. Weve hit some volatility, but when youre planning for FIRE, you know thatll happen eventually and you plan for it.

So even if the current situation creates setbacks for some members of the FIRE community, many are equipped to move forward and keep working toward their goals. The current year hasnt been kind to many people, but for those who pursue FIRE, having a plan for volatility and being prepared can help them weather whatever 2020 throws at them next.

Sticking to the plan isnt always a straight line, however. In some cases, you might have to make some small pivots in your portfolio and in your spending.

First of all, in 2020 with the pandemic, people are naturally shifting where they spend their money, Luber explained. Eating out and traveling are budget items that have almost completely disappeared for many people.

With this change in spending, its possible to keep moving forward with FIRE plans, even during the pandemic.

For many, they were always going to save a portion of their income, Luber said. With changes to some of the biggest-ticket items, staying on track with FIRE might actually be a little easier. Youre stuck inside, what are you going to spend money on?

However, there are other pivots that might need to be made during difficult times. Although the stock market is doing well right now, Luber acknowledged that its not likely to last forever. Plus, the pandemic could lead to job loss, income reductions, and other challenges that could offset some of the forced spending cuts and result in FIRE setbacks.

No matter how well you think youre doing right now, Luber suggested three ways to potentially protect your portfolio during uncertain times so you have a better chance of staying on track for FIRE.

It may seem basic, but its an important part of making sure you stay on track for FIRE during 2020and even after you reach your financial independence goals.

Figure out your need to have and nice to have spending, Luber recommended. No matter what your age or stage of retirement, reviewing needs and wants can help you avoid problems later. Cover your needs and adjust spending on wants as necessary.

The key is to make those adjustments before youre forced to, especially during a year like 2020 when unexpected events (like a global pandemic) change the equation. Even if you havent been financially hit by current events, you dont know whats coming next. You probably dont need to cut everything unnecessary from your life, but Luber recommended reviewing your spending and making some changes.

Maybe you spend a little less on treats for yourself and bank the difference, she said. You still enjoy life, but maybe you dont spend quite as much so that you can better position yourself, just in case.

Another way to position your portfolio is to shift your asset allocation and use a bucket strategy.

Rather than keeping everything in stocks, the investor could consider if now might be a good time to sell a portion to get cash for the next couple of years, Luber said. It frees up some cash so you arent forced to sell during a crash.

Grant Sabatier, who reached millionaire status by age 30 and frequently writes about achieving FIRE through investing on his blog Millennial Money, suggested keeping any money you need in the next five years in cash.

Everyone has different comfort levels and risk tolerance, but it can make sense to protect at least some of your assets from immediate dangers related to economic stresses, while still leaving a portion of your portfolio in stocks to benefit from a potential recovery.

Finally, Luber recommended reviewing your investing plan and goals at least annually. This helps you identify small tweaks and pivots that can help you adjust to the landscape.

You dont know when life will throw you a curveball, whether its a change in life circumstances or a global pandemic, Luber said. You need to make sure your plan still makes sense for you. Although a good plan might not need major changes, its still smart to double-check and see if a course correction is in order.

Habits of the Financially Independent

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The New Normal Is the Newest Way to Women’s Financial Independence – Entrepreneur

Posted: at 12:32 pm

August25, 20205 min read

Opinions expressed by Entrepreneur contributors are their own.

You're reading Entrepreneur India, an international franchise of Entrepreneur Media.

Its official. Were in the golden work-from-home era. In tandem, were also in the golden era of financial independence for women. And what better time to discuss it than around the occasion of Indias 74th Independence Day.

It has been only six months since the corporate world deep-dived into the work-from-home routine, but its no longer the new normal. It is a way of life.

The COVID-19 situation might have thrown our lives out of gear, but it has opened up several opportunities especially for women across the country to take up jobs, and for companies who now have access to a larger candidate pool that is no longer hindered by geographical boundaries to hire seamlessly online.

So, for many women who were keen on a work-from-home role but never thought it would happen, its literally a dream come true. Not only has it opened up employment opportunities, it has also created sources of income for women whose domestic concerns have always overshadowed their career aspirations.

Around 70 per cent of women in India relocate after marriage and a significant portion of these migrate to tier II and tier III cities in the country where job opportunities are low, stemming the woman's career growth. Work-from-home jobs open up a world of opportunities for such women who already have the skills, qualifications, experience and drive to take up their careers again with gusto, and are waiting for the right window of opportunity to make that leap into their professional journey.

With the corporate world turning to a number of flexible working options, the ratio of women taking charge of their careers is also on the rise.

It is heartening to see that women no longer contemplate taking up work-from-home jobs on the basis of credibility and/or pay. They are more likely to opt for a flexible option today than ever before, thanks to top companies across industries world-wide opting for remote work for their employees.

Full-time roles are all being taken over by the work-from-home routine which is no longer frowned upon or seen as a low-productivity factor.

On the JobsForHer platform alone, in March there was a 30 per cent increase in work-from-home jobs, the period from April to July saw it increase to 62 per cent indicative of the positive trend.

And thats good news for everyone.

Back in the times before the coronavirus hit us, a work-from-home role meant that your pay scale would amount to half, if not less, than what youd earn in a full-time corporate job. So, before you jumped at an opportunity that allowed flexibility, youd weigh the pros and cons of taking up a job that you could do from home.

Today, however, with top companies hiring employees in full-time work-from-home positions, women are also open to exploring options that will give them the financial independence they crave.

Questions that used to plague a womans mindsuch as, how many hours can I dedicate to my job? Will I be able to break even with my monthly expenditure? Am I ready to redefine my salary, job security?are no longer an issue.

Times have changed and so have working preferences. You get to work without having to hustle between office and home, and you get paid well. Whether you are looking to start or restart your career, work-from-home is a great option. One can no longer underestimate the potential of a well-paying work-from-home job.

Research has shown that there is a spike in womens participation in contributing to family income after a crisis when they feel the crunch of having a sole breadwinner whose job is now uncertain. Women are thus encouraged to focus on their careers and become equal breadwinners, thereby increasing their financial independence.

The work-from-home concept is not just about earning money but also saving and creating wealth. Picture this. You work from the comfort of your home in a job which gives you satisfaction and financial freedom. It gives you an opportunity to save because, clearly, there is nowhere to spend all the money youve earned except on essentials. Limited travel. No schools. A ban on crowded spacesfrom theatres to malls and restaurants. A ban on get-togethers and high-profile weddings, festivities and celebrations. A curfew that allows you to get out of your house for just what you need, and get back at a particular time.

In short, its a good time for savings. Its a good time for women in the world to take stock of the situation and rise. Its a good time for women to start, restart and rise in their careers.

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The New Normal Is the Newest Way to Women's Financial Independence - Entrepreneur

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Can you afford the years beyond your healthspan? – Orange County Breeze

Posted: at 12:32 pm

Were all interested in the topic of lifespan. Whats the average lifespan of men and women? What factors influence lifespan? What can I expect for my own lifespan? Yet, you may also want to think about your healthspan that is, how long you will live in generally good health. How should you factor in your potential healthspan when creating your financial strategies?

To begin with, youll want to be aware of the gap between lifespan and healthspan. Consider this: The average healthy life expectancy in the U.S. is only 68.5 years, according to World Bank data cited in the 2020 Edward Jones/Age Wave Four Pillars of the New Retirement study. This means that, on average, Americans can expect to spend about 10 years in poor health, which, unfortunately, is more than in most other developed countries.

Of course, everyones situation is unique, and many variables are involved in the lifespan/healthspan comparison: differences in projected longevity between women and men, family health histories, environmental factors, and so on. And there are certainly plenty of people whose healthspans essentially match their lifespans that is, they enjoy healthy, busy lives right up until the end. Yet, even the possibility that you could face a decade or more of less-than-ideal health in your retirement years should be cause for concern. The health issue, by itself, is already worrisome, but the accompanying threat to financial independence is also on peoples minds. In fact, 72% of retirees say one of their biggest fears is becoming a burden on their families, according to the Four Pillars study.

So, given these concerns, here are a few moves to consider, possibly with the help of a financial professional:

If you could see into the future, youd know exactly where your lifespan intersected with your healthspan. But since this certainty is unattainable, youll want to be prepared for whatever comes your way.

This article was written by Edward Jones for use by your local Edward Jones Financial Advisor.

Sean Payne, CFP can be reached at (562) 596-3722.

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Can you afford the years beyond your healthspan? - Orange County Breeze

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