Tagged in: public speaking

Build Your Nest Egg With These Good Retirement Advice

Everyone wants to have good retirement advice for a comfortable retirement. With that said, it is entirely within your reach to turn the fantasy into reality? Read on for some great advice on this topic.

An obvious tip in regards to retiring is to make sure you start saving for your retirement. A lot of people make the mistake of not saving for their retirement and then find themselves in a bit of a pickle because they don’t have adequate funds available to them when they’re older.

Enjoy yourself! One of the great things about retirement is the ability to be able to do whatever you want. Make sure you take advantage of the time and do things that you enjoy. It’s easy to find yourself in a rut where you want to stay at home, but look for things that are fun.

Research your particular Social Security benefits. When you retire, Social Security will offer benefits around 40 percent of your pre-retirement income. If you go online, you’ll find plenty of Social Security calculators that will help you estimate your expected income from Social Security during retirement. This can help you plan better for the future.

If your company offers you a 401K plan, contribute as much as you can to it, up to its maximum. This is a great way to save for your retirement. All you need to to do is to contact your HR department, and funds will be deducted from your paycheck automatically each month and deposited into your 401K account.

In order to have money for retirement, you have to save some of what you make. It is important to keep in mind that even if you develop a nice nest egg, you still need to keep saving. Set a goal for yourself each year and work to meet that goal. Never stop planning for the day when you will no longer be working.

Use one a retirement calculator to figure out how much money you need when you retire. You can find easy to use calculators online. After you input all the pertinent information, you will know how much you need to save in order to keep up your current standard of living.

If the thought of retirement bores you, consider becoming a professional consultant. Use whatever you’ve spent a lifetime learning, and hire yourself out for a handsome hourly fee. You can make your own hours, and it will be fun teaching others about your expertise. The money you make can be saved for a rainy day or put toward immediate expenses.

Never spend your retirement money. Pulling money from your retirement fund not only reduces the amount of money you have for retirement, but it also increases your tax burden. You will also be responsible for early withdrawal penalties, tax liabilities and lose interest from the amount withdrawn from your retirement fund.

Consider downsizing in retirement. When it’s just you and your spouse, you no longer need a large home and two car payments. When you downsize, you can reduce your monthly debt which makes it easier to enjoy retirement more. Consider an apartment, town home or even a small single family home that will adequately meet your needs without breaking the bank.

Set goals for the short term and the long term. This will benefit you in your efforts to put back money. Once you know the dollar amount you will require, you know the amount of money that you must save. A few simple calculations will give you goals to work towards on a monthly or weekly basis.

Want a comfortable retirement

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When you want to save money for retirement, make it a point to get a bank account set up that you cannot touch for any reason. This way, you’ll have something to use when you’re done working. Ask the bank you’re working with what kind of options they have in terms of savings accounts.

Make sure that you see your doctor regularly. As you get older, there may be more issues with your health as your body ages. With the proper direction from your doctor, you can be watchful for health problems and nip them in the bud before they become a bigger problem.

Different aspects of retirement are discussed in this article. Keep the tips you’ve read here in mind as you go forward. You can be comfortable in your retirement, but you first need to plan for it.

Good Solid Advice About Public Speaking That Anyone Can Use

Do you enjoy speaking in public? Does getting up and giving a speech excite you? Or are you terrified by the thought of having to address a crowd? No matter how much you enjoy public speaking, some good advice can make the job easier. Keep reading for some excellent tips on public speaking.

The way you look can determine how well you do at public speaking. If you are not well-groomed or dressed at your best, you are not going to feel very confident with yourself. This lack of confidence may cause you more fear and could mess up your whole speech. So, be sure to look your best.

Do not use a laser pointer to run over words as you read them from a screen. This gives your audience the idea that you think they are incapable of reading for themselves. Once they begin to feel insulted, it will be much harder for you to convince them to listen to you.

Practicing is the best way to ensure that you know what you are going to say. You can try recording the speech or practicing the speech in front of your mirror to spot any areas that need improvement. However, it is always best to prepare your speech in front of family and friends, since instant feedback is the best.

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Avoid alcohol before you deliver your speech. It may appear to be a good idea, but it really isn’t. It would be pretty awful to be all set to make your speech and then realize you forgot everything. When alcohol gets into your system it can easily cloud your thinking.

If you will be speaking for a long time, be sure to have a glass of water handy on the podium. It is also a good idea to have a stool behind the podium so you can perch occasionally if you get too tired. Wear comfortable shoes so that you will be able to concentrate on your speech rather than your feet.

Look your audience in the eye. People will trust you when you look them in the eye. This doesn’t mean that you should stare intently at them; however, when delivering a speech, let your gaze wander around the room. This technique will help you engage the audience and make them feel comfortable.

How can you improve your speaking skills?

To grab the audience’s attention you could start a speech with a joke. You can keep this in mind as you are figuring out what to say. If you are going to tell a joke, make sure that it is tasteful and on topic. Otherwise, you risk alienated some of them.

Avoid drinking alcoholic beverages prior to making your speech even if they are available at the event at which you are speaking. While alcohol may relax you, you do not want to appear sober when you make your speech. You may forget what you want to say, slur your speech, inadvertently insult someone or even become sick in the midst of speaking if you drink too much. Save the liquor for your post-speech celebration.

Never apologize, even if you feel nervous and like you are making mistakes. Even if you believe you are making many mistakes, the audience might not even notice. If you make mistakes, correct them and move on. You don’t need to apologize for anything.

Armed with the advice from this article, you should find that public speaking has become an easier task. You may be a novice at giving a speech, or you may have addressed thousands of people in the past. No matter how experienced you are, the tips you have read here can be of use to you.