RUSSIAN DENVER / HORIZON 4 <strong>N45</strong>/<strong>826</strong> от 12.04.2015 e-mail: info@gorizont.com Simply the best Conducting an annual review of your retirement goals and strategy is an ideal way to check that your plans for your financial future remain realistic and on track. With that in mind, taking the three easy steps outlined below will help you conduct your retirement tune-up. Step 1: Review Your Retirement Goals Your first step should be to review your retirement savings goals and assess whether anything significant has occurred during the past year that might affect either your outlook for retirement or your current strategies to prepare for it. For example, have you decided Stacey Mann Генри Забарский 917 848 1950 mobile Give Your Retirement Plan a Tune-Up to change the date when you’ll retire? Or have you experienced any new milestones such as getting married, divorced, or having a child? Any of these events may affect how much you will want to save to fund the retirement you envision. Step 2: Take a Fresh Look at Your Retirement Strategy Your portfolio’s specific mix of stocks, bonds, and cash, known as your asset allocation, should complement your financial goals, risk tolerance, and time horizon.1 If you haven’t taken a fresh look at your investments in a while, don’t assume that your old asset allocation is still appropriate for your current needs. Tis the Season! To be alone. Christmas is the time of year to be with friends with ski cabins and loved ones who would be more loved if they had ski cabins. But, if you are like me, and don’t have any vacation days and couldn’t afford the $900 plane tickets home on December 24th, you will be spending Christmas with yourself. You don’t even have the option of spending Christmas Eve with friends who live in Denver, because everyone you have ever met, from your best friend to the guy who bags your groceries at Sprouts, will be snug at home drinking eggnog and singing Christmas carols with people they are related to, and even if you both sliced the Even if your personal outlook hasn’t changed, keep in mind that uneven returns provided by different investments may have caused your portfolio to shift from your intended asset allocation. If your asset allocation needs to be rebalanced, now may be the time for action. Step 3: Consider Saving More None of us know what the future may hold. A good way to improve the odds that you have saved enough for retirement is to save more, no matter how prepared you may already be. If you have not already done so, consider funding an IRA. For the 2015 tax year, you can contribute a maximum of $5,500 and those How to Be Alone on Christmas palm of your hand open and make a blood pact, which is no longer hygienic or recommended by doctors, you would still not warrant an invitation. And so, how to plan the happiest sad Christmas in Denver? Here are some ideas. Option 1: Do nothing except buy boxed wine in bulk, not really looking at the labels. Plan on spending all of Christmas drinking straight from the box and binge watch old Christmas movies on Netflix. Periodically stand up and walk to the fridge, sigh wistfully, wishing that someone had prepared Christmas dinner, instead eat a can of tuna and some stale crackers. Call your parents to wish them a Merry Christmas aged 50 and older can make an additional catch-up contribution of $1,000. These limits are set annually by the IRS. More information can be obtained at www.irs. gov. Conducting a retirement tuneup is always a great idea but don’t forget to consult with your financial advisor to discuss what else you can do to help achieve retirement security. Source/Disclaimer: 1Asset allocation does not ensure a profit or protect against a loss. Required Attribution Because of the possibility of human or mechanical error by and pass out while still holding the phone. Option 2: Party Crash! Invite yourself to other people’s Christmas parties, office parties, family reunions, romantic dates. Anytime you hear someone talking about their Christmas plans, write the information down, because you are going to show up, whether people want you there or not, in an ugly Christmas sweater. Option 3: Choose not to celebrate Christmas. After all, it is just a blatant attempt by corporate capitalist America to encourage gross consumerism, anti-environmentalism, and industrial waste, all for the sake of the fat and mighty dollar dressed in the guise of Santa Claus. Stop your pet from becoming a ‘Hairy Houdini’ The ASPCA estimates that 7.5 million companion animals enter animal shelters nationwide every year. Many of these animals are strays, as shelters house about twice as many stray animals as pets given up by their owners. Lost animals also make up a significant portion of the shelter pet population. Although a great number of shelter animals are reunited with their owners, some shelter animals never reunite with their families. Pet owners must take steps to reduce the risk that their pets will get lost. Fencing, secure crates and gates and leashes can cut down on the number of escapes. Crate Crates and carrier kennels are worthwhile investments for pet owners. Many animal trainers advocate for crates when conditioning dogs to be obedient. Smaller crates for cats are ideal when the animal needs some quiet time or you have to keep the pet away from guests. Kennels with a handle make it easier to transport pets to and from the veterinarian or when taking car rides. When purchasing a crate, make sure it is large enough to fit the animal while he or she is standing and sitting. The pet should be able to turn around comfortably, but the crate should not be so large that it enables the animal to relieve himself in one end and still have room at the other. If you want to purchase a larger crate for a pet that will grow, divide the crate with a piece of wood or mesh so the animal has only the room it needs. Fencing Fences not only may make for good neighbors, but they also can regulate pets’ behavior and make pets safer. Pet fencing can include one fence that encloses the entire perimeter of your property, a dog “run” that is an enclosed area strictly for the dog within the yard or a combination of both. Cats have an innate climbing ability, which may make fencing less effective for outdoor cats. However, cat owners may want to invest in a wire cat box extension that fits onto a window and allows cats access to fresh air while preventing them from running away. Fencing should be tall enough to deter vertical leaps and climbing, but you also must contend with animals that might attempt to tunnel under the fence. Digging chicken wire or another deterrent several inches below the Инвестиционный консультант, планирование, снижение налогов, пенсионные фонды, образовательные счета и другие виды выгодных инвестиций 20-летний опыт ground when installing a fence can help prevent dogs from getting out of the yard. Speak with a fencing manufacturer and installer about pet-friendly fence options. Leashes Even the most well-trained pet may get distracted from time to time and dart away. That is why it is important to keep pets leashed when outdoors and away from fenced-in areas. Leashes come in a variety of sizes and styles. It’s important to choose a leash and collar that is proportionate to your pet and one that he or she will not be able to slip out of. Pet owners who have larger, stronger animals can consider a harness, which fits around the pet’s midsection instead of its neck. This helps provide added control when walking the pet and Wealth Management Systems Inc. or its sources, neither Wealth Management Systems Inc. nor its sources guarantees the accuracy, adequacy, completeness or availability of any information and is not responsible for any errors or omissions or for the results obtained from the use of such information. In no event shall Wealth Management Systems Inc. be liable for any indirect, special or consequential damages in connection with subscriber’s or others’ use of the content. For all your financial questions, please call Henry Zabarsky at 303–355–6363 © 2015 Wealth Management Systems Inc. All rights reserved. Option 4: Deck the Halls like it’s 2015. Make it. The Best. Christmas. Ever. Do EVERYTHING. Go to the Denver Christmas Market on 16th Street downtown and buy a large German pretzel and an Alpaca hat. Buy a last minute rush ticket to the Nutcracker at the Ellie Caulkins Opera House. Check out the Christmas lights at the Denver Botanical Gardens and the Denver Zoo. Ice Skate in Evergreen Lake. Laugh your holly bells off at David Sedaris’s show “The SantaLand Diaries” in the Garner Galleria Theater. Drink hot cider and watch the Denver Parade of Lights on December 4th and 5th in downtown Denver. Option 5: Be at peace. Merry Christmas and Happy Holidays. can alleviate pulling tendencies or injuries to the animal’s neck from excessive tugging. In addition to these precautionary tools, pet owners can provide plenty of stimulation for their pets through toys, games and social interaction. This will alleviate boredom and the propensity to escape, offers The Humane Society of the United States. Animals may look to get out of confines when they are isolated and frustrated. Dogs and cats also roam when they become sexually mature, so it’s best to have them spayed or neutered. Pet retailers carry an extensive inventory of merchandise to keep cats and dogs safe and contained. Pet owners also can speak with a vet or animal trainer about additional ways to keep pets content and safe.
RUSSIAN DENVER Colorado Russian Newspaper published in English 720-436-7613 www.gorizont.com/rd 5