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☆ A Harvard-trained economist says 'early retirement is one of the worst money mistakes'—here's why you'll 'regret' it
▼ + stars: | 2022-02-01 | by ( Laurence J. Kotlikoff | ) www.cnbc.com time to read: +4 min

So, I'll be blunt: For most Americans, early retirement isn't just a decision to take the longest vacation of their lives — it's one of the biggest money mistakes that they will regret. The reason is simple: We are, as a group, lousy savers, making early retirement unaffordable. According to a Boston College Center for Retirement Research report, half of today's working families risk a major living standard decline in retirement. Still, almost two-thirds of people — between ages 57 and 66 — choose to retire early out their own volition, despite having saved next to nothing. If she continues to do so, her post-retirement living standard will be half her pre-retirement living standard!

Have a blend of permanent and term life insuranceThere are two types of life insurance: permanent life and term life. She recommends blending permanent and term life insurance, because permanent life insurance is a tool to build wealth and leave a legacy in the Black community. She said, "If you can't afford permanent life insurance, then get a term life insurance policy with the goal of converting it before the end of the policy." Convert your term life insurance to a permanent policy to prepare for retirementGlenn notes that life insurance is the optimal way to prepare for retirement. When you make the conversion from term life to permanent, understand that there are different types of permanent life insurance policies, like whole, universal, and variable life.

The best kind of life insurance for most people is term life insurance. 2 situations where you might not need life insuranceThere are two main situations where you might not need life insurance. For some people with a high income, whole life insurance or universal life insurance could make sense. But for most people, the best kind of life insurance to get on your own is term life insurance. Do you need life insurance?

☆ How did the pandemic change the paid work model? OP-ED by Ala Tocarciuc
▼ + stars: | 2020-11-04 | by ( ) www.ipn.md time to read: +7 min

How did the pandemic change the paid work model? OP-ED by Ala Tocarciuc„By developing new models of paid work, we can ensure the development of the economy and mitigate the impact of the pandemic. At a fast pace, the traditional working hours were changed from 9 a.m. to 5 p.m. and replaced with a hybrid work model. Paid work model – part of the life modelWe are all used to a life model and a work model. This model of pandemic cohabitation will also determine the patterns of paid work for the next two to three years.

Persons: Ala Tocarciuc, It's Organizations: World Health Organization Locations: USSR, Moldova, Trade

☆ A rare black coyote in Georgia couldn't stop making friends with dogs
▼ + stars: | 2020-02-21 | by ( Haven Orecchio-Egresitz | ) www.businessinsider.com time to read: +4 min

An especially rare, and friendly, black coyote had been mingling among dogs and humans in Georgia for months. Researchers at the Atlanta Coyote Project had set out on a quest to find and trap him. The center told Prior about Atlanta Coyote Project's efforts to catch the friendly coyote, CNN reported. Christopher Mowry, co-founder of the Atlanta Coyote Project, told Insider that the grand Pyrenees wasn't the only friend that the coyote had made in Atlanta. Atlanta Coyote Project.

Persons: Carmine, —, Ruth Bader, Ruth Bader's, Vanessa Prior, Atlanta Coyote, Christopher Mowry, Mowry, it's Organizations: Atlanta Coyote, Service, CNN, Facebook, Atlanta, Coyote Locations: Georgia, Atlanta

But even though she only pays $600 a month for rent, she still plans to buy a house with higher costs in the next five years because she wants to feel like she's really home. (Two years ago, I left that job and was able to move back into my friend's home for the job I'm in now, as a magazine editor in the superyacht industry.) If all goes according to plan, we will save up enough money to buy a house within the next five years. After the wedding takes place, we'll save between $1,000 and $1,200 each month to put towards a house. But I have also lived the easygoing life of a renter and it's been an ideal scenario for me.

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