![]() Organisations should also put in place proper accountability measures to assess what personal data has been acquired and how its protected, and implement or improve the measures to ensure the security and proper processing of the personal data. In its published intention to fine Marriott, the ICO explicitly states that organisations are accountable for the personal data they hold, which includes carrying out proper due diligence when acquiring another company. Importance of data protection due diligence The ICO believes that Marriott should have done more to secure Starwood's systems upon the acquisition. Consequently, the data breach was not discovered until 2018. Marriot subsequently acquired Starwood in 2016, but it failed to carry out a proper due diligence into the data protection practices, especially data security practices, of Starwood. ![]() The data breach likely began when the systems of Starwood were compromised in 2014, which resulted in the exposure of personal data of approximately 339 million guests. This shows the great importance of carrying out proper data protection due diligence when making or preparing an acquisition. The ICO thus links the lack of such proper data protection due diligence by Marriott to the fine. However, the essential aspect of this fine is how the ICO blames Marriott for failing to undertake proper due diligence when buying the Starwood hotels group (Starwood) in 2016, where the data breach originated. Consumer Goods, Retail, Food & Beverages. ![]() Information, Communication and Technology (ICT) Law.Pharmaceutical, Biotechnology and Medical Devices.Overheidsaansprakelijkheid en overheidscontracten.Fysieke leefomgeving en ruimtelijke planning. ![]()
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![]() He looks up in time to see the real Santa Claus soaring overhead in his sleigh, as he is shocked that he was wrong about his existence. Squidward realizes the lengths he has gone to in preserving SpongeBob's dream, and after shooing away an excited SpongeBob, he discovers a note on his doorstep, which turns out to be a message from Santa thanking him for his help. A large crowd arrives asking for presents, and he ends up giving away everything he owns. Out of desperation, Squidward gives the child a large wrench, which pleases her greatly. Squidward prepares to go back inside his house but is approached by a little girl, asking him for a present. He dresses up as Santa and surprises SpongeBob, who thanks him for bringing Christmas to Bikini Bottom. Squidward sees how SpongeBob has only been trying to spread joy, he feels very remorseful for what he did, and decides to make up for his rudeness. ![]() Squidward, still skeptical, opens it to find a hand-carved driftwood clarinet. ![]() Squidward wakes and comes out, at last, laughing at SpongeBob's humiliation, and even takes a photo to commemorate the occasion.Īs SpongeBob sadly trudges away, he hands Squidward a present. In realty, Santa didn't come because they were supposed to be asleep. Patrick tries to tell the people that Santa had stopped for a snack and so SpongeBob and Patrick are waiting for Santa, until they realize that he really does not exist, SpongeBob becomes heartbroken. Everyone leaves in disappointment, and they call SpongeBob out on his lying. The people continue to sing until morning, when they realize that Santa has not come. Squidward, refusing to believe in Santa Claus, takes no part in any of the mirths. In the days leading up to Christmas, the people of Bikini Bottom heartily celebrate, and on Christmas Eve, they stand in front of the large decorated coral tree and sing, eagerly awaiting the arrival of Santa. SpongeBob and a few citizens try to get him to write a letter and be in the Christmas spirit, but it fails. After the song, Squidward closes his blinds.Īct 2 begins as SpongeBob is sending the last of the letters to Santa, and finds out Squidward still has not written his letter yet. They even decorate Squidward's house, which Squidward does not agree with. The Bikini Bottomites decorate for Christmas as SpongeBob and Patrick sing a song. ![]() Everyone in Bikini Bottom, except Squidward, is excited at the idea of Santa Claus bearing gifts, and they all, except Squidward, put their Christmas letters into glass bottles, which are then shot up to the surface for Santa to receive as the act ends. Later at the Krusty Krab, SpongeBob passes the story of Christmas on to Patrick, Squidward, and Mr. After recovering from the drenching, Sandy is shocked to find out that SpongeBob has never heard of Christmas, and tells him all about it. ![]() Inside, Sandy is putting up Christmas lights, which SpongeBob mistakes for fire and tries to put it out with sea water. Outside Sandy's treedome, SpongeBob is dressed in his karate gear and preparing to give Sandy a surprise sneak attack. Patchy remarks that there was once a time when Christmas in Bikini Bottom was unheard of, and decides to tell the tale. Patchy also takes time to open a letter from a fan, who asks if SpongeBob likes Christmas as much as he does. With the help of his unenthusiastic assistant, Potty the Parrot, Patchy sets pictures of SpongeBob and Patrick on the mantelpiece, puts up his various SpongeBob-themed ornaments, and bakes Christmas cookies, the dough of which Potty eats. Synopsis Act 1 Patchy prologue Īs the special opens, it is almost Christmas in Encino, California, and Patchy the Pirate, president of the SpongeBob SquarePants fan club, is deep in preparations for the holiday. ![]() ![]() ![]() “That way, when shampoo is rinsed, the oils protect the ends and the hair looks healthier and less frizzy. This is a game of taming wild creatures to help you fight against the threat of evil. To accomplish this quest you must enlist the help of the local Fauna. In the game you play as a Druid that has been tasked to take on the forces of evil. Using an oil before shampooing can protect the hair from dryness, Chabbi says. Wild Tamer is a free mobile game developed by the company 111 and is free to download for iOS and Android. Android Tamer - Android Tamer is a Virtual / Live Platform for Android. Are there any frizz-fighting tips for washing your hair? The Mobile App Pentest cheat sheet was created to provide concise collection of. This way you can retouch the exact area in need of some love. Scan this QR code to download the app now Or check it out in the app stores Home Popular Topics Gaming Valheim Genshin. What's your advice for quickly fixing frizz that appears throughout the day?Ĭhabbi says the best solution is actually a travel-sized oil. I had assumed that pet allies would be affected by Inspire courage already, until I read this. They appear to have the same effects, except that Inspire Ferocity specifically affects Pet allies. Taming.io is similar to other survival games like MooMoo.io. So I see that Beast Tamer replaces the bards basic Inspire Courage with Inspire Ferocity. ![]() Doing it alone will be more challenging as you face other teams and higher-level players who will dominate you. Reddit killed third-party apps: RIF, Sync, and more Android clients shut down U On July 1, Reddit has enacted a new API policy that charges exorbitant fees to developers of third-party apps for. It’s a good idea to get friendly with some of them to make a team. According to the algorithm behind Urban Thesaurus, the top 5 slang words for 4chan are: encyclopedia dramatica, milhouse, reddit, mudkips, and moot. When you let the hair fully dry, it allows the hair follicle to seal which will in turn lock out any moisture that could lead to frizz. io game, plenty of other gamers share the world with you. But she emphasizes how important it is to let the hair fully dry after application before entering a humid environment. The ARK taming calculator and companion app used by over 9 million ARK: Survival Evolved players. Frequently asked questions How should people pre-treat their hair to avoid frizziness?Ĭhabbi recommends using heat protectant primers and oils that make the hair "a bit heavier and more frizz-resistant." If you know it’s going to be humid, what else can you do to protect your hair?Īccording to Chabbi, humid weather typically means your hair can handle more products. I love it because it’s strong enough to last through a humid Florida night out and allows me to create volume without oily aftereffects,” says Jahzel Montana, a Miami-based hairstylist at the Sean Donaldson Salon. ![]() “I discovered this while looking for something lightweight to prevent frizz around the hairline and crown. This Kerastase product offers extra shine, smooth locks and anti-frizz protection for up to 72 hours, according to the brand. ![]() ![]() ![]() ![]() Paolo Samori, Université de Strasbourg, FranceĮllen Sletten, University of California, Los Angeles, USAĬhristine Thomas, Ohio State University, USA Robin Rogers, The University of Alabama, USA S Ramakrishnan, Indian Institute of Science, IndiaĮrwin Reisner, University of Cambridge, UK Thalappil Pradeep, Indian Institute of Technology Madras, India ![]() Jean-Francois Nierengarten, University of Strasbourg and CNRS, France Wonwoo Nam, Ewha Womans University, South Korea Nazario Martin, Complutense University of Madrid, SpainĪlexander Miller, University of North Carolina at Chapel Hill, USA Silvia Marchesan, University of Trieste, Italy Hiromitsu Maeda, Ritsumeikan University, Japan Tien-Yau Luh, National Taiwan University, Chinese Taipeiĭoug MacFarlane, Monash University, Australia Teck-Peng Loh, Nanyang Technological University, Singapore Mi Hee Lim, Korea Advanced Institute of Science and Technology (KAIST), South Korea Shu Kobayashi, University of Tokyo, Japan Hiroshi Kageyama, Kyoto University, Japan Ibarra Alvarado, National University of Mexico, Mexico Todd Hudnall, Texas State University, USA Mike Greaney, University of Manchester, UKĬraig Hawker, University of California, Santa Barbara, USA Rebecca Goss, University of St Andrews, UK Robert Gilliard Jr., University of Virginia, USAĭavid González-Rodríguez, Autónoma University of Madrid, Spain Nathan Gianneschi, University of California, San Diego, USA Sujit Ghosh, Indian Institute of Science and Education Research, India Lutz Gade, University of Heidelberg, Germany Joshua Figueroa, University of California, San Diego, USA Gautam R Desiraju, Indian Institute of Science, Bangalore, IndiaĪbhishek Dey, Indian Association for the Cultivation of Science (IACS), India Jyotirmayee Dash, Indian Association for the Cultivation of Science, India Marcetta Darensbourg, Texas A&M University, USA Xiao-Ming Chen, Sun Yat-Sen University, ChinaĪrindam Chowdhury, Indian Institute of Technology Bombay, Indiaĭerrick Clive, University of Alberta, Canada Luiz Henrique Catalani, University of São Paulo, Brazil Wesley Browne, University of Groningen, The Netherlands Penny Brothers, Australian National University, Australia Louise Berben, University of California, Davis, USA Polly Arnold, University of Edinburgh, UK The problem is that, due to the Fall, our bodies don’t always do a perfect job replicating our genetic information.Brendan Abrahams, University of Melbourne, Australia Adam and Eve and the Human Genomeīased on the biblical blueprint that we are all descendants of one man and one woman-Adam and Eve-it would seem reasonable to conclude that the genetic information in all humans today ultimately came from Adam and Eve. ![]() Evolutionists assume chimps and humans share an evolutionary ancestry and interpret all data according to that assumption. When DNA sequences are compared more objectively without pre-selecting sequences and filtering the data, the chimp and human genomes are only about 70% similar. However, DNA similarity could just as easily be explained as the result of a common Creator. Evolutionists frequently assert that the similarity in DNA sequences provides evidence that all organisms (especially humans and chimps) are descended from a common ancestor. ![]() ![]() ![]() After rendezvousing with the others, Rick (Andrew Lincoln) reveals a truth he’d kept secret: Everyone is infected, and everyone turns when they die. Daryl, hearing Carol’s screams, goes back to save her but not without a “I ain’t got all day” remark, providing an early glimpse into their rapport. ![]() The interpersonal drama is cut short once walkers overrun the farm and the survivors start to scatter in all directions. In the process of trying to reassert himself as an angry loner, Daryl berates her, even blaming her for the loss of her daughter, while she swallows her feelings, telling him to “go on.” It’s the first real moment between the two, and with Carol’s learned resilience to constant abuse, she doesn’t succumb to his accusations, even though it clearly affects her. Once her mourning subsides, knowing that Daryl had been trying to pull away from the group himself, she tries to convince him to stay. ![]() It’s their first hint of camaraderie, and Daryl’s first indication that he cares more for those in his group than he’d been letting on.ĭaryl even stays with Carol afterwards, up to the funeral, which Carol refuses to attend, explaining that “Sophia died a long time ago,” openly expressing her relief that her daughter never went hungry, never went to sleep scared. The end of the world has been hard on everyone, but Carol finds herself overwhelmed with hopelessness, having lost her entire family so early on. “Don’t look,” he tells her, as he tries to shield her from the carnage. “It’s for your little girl.”Ĭarol’s daughter Sophia spent the first half of the second season missing, only to be discovered staggering out of Hershel’s barn, having long since turned. As Carol runs toward her crying amidst the massacre started by Shane (Joe Bernthal), it’s Daryl who holds her back. ![]() Over time, their stories continued to intertwine well beyond that of two people who share a desire to survive this new world, and over time Carol and Daryl, (or Caryl, if you prefer), have evolved into a kind of platonic power couple ideally suited for the zombie apocalypse. When they first appeared, Daryl was a wiry, high-strung survivalist tweaker covered in squirrel pelts, and Carol was little more than a marginal character defined almost solely by her abusive husband who relegated her to gossip-free laundry duty. While it has helped give the generally grim show some necessary moments of levity, it also provides a metric of how these two characters have changed as a result of the world around them. Since their introductions in the early days of The Walking Dead, the relationship between Carol (Melissa McBride) and Daryl (Norman Reedus) has grown from indifference into a caring, familiar, occasionally flirty back-and-forth. Her evolution as a character is so visible and shows how Melissa McBride really knows her character. But will she survive the last part of the show which will most likely air this summer? Only time will tell.Warning: Spoilers for all five seasons of The Walking Dead below She’s indefinitely one of the main characters whose arc has been the meatiest. And had no problem defending herself or those she loves. How did Carol manage to stay alive all these years? Especially after all the enemies that have tried to take her out? Well, she got stronger and colder at times (usually making the decisions that nobody else wanted to-just look at the flowers, ugh), and she went from a meek character who was scared to say anything-to someone who could more than hold her own in basically any scenario. But then they kept her around, and now she’s one of the most important characters in the show. And the series was ready to kill her off during the Prison arc. In fact, Carol doesn’t last long in the comics. And the interesting part of her lasting this long is, that wasn’t always going to be the case. The answer to that big question is that she did! Yes, Carol is still kicking it (alive) with the undead. If you haven’t caught up in the show in years, you may be wondering if she stayed alive (can’t help but think of the Bee Gees hit?) all this time. She was a housewife with an abusive husband who wasn’t adapting to the new world as quickly as some of the other characters. During the beginning of the series, Carol (Melissa McBride) was the kind of character you’d expect to die quickly. Ultimately in a zombie apocalypse, death is a given. Let’s face it, The Walking Dead has never been scared to kill main characters off-either in the comics or in the hit AMC series. ![]() ![]() This disclaimer applies both to individual use of the data and aggregate use with other data. Although these data have been processed successfully on computer systems at the National Park Service, no warranty expressed or implied is made regarding the utility of the data on other systems for general or scientific purposes, nor shall the act of distribution constitute any such warranty. It is strongly recommended that these data are directly acquired from an NPS server and not indirectly through other sources which may have changed the data in some way. The National Park Service gives no warranty, expressed or implied, as to the accuracy, reliability, or completeness of these data. The related graphics are intended to aid the data user in acquiring relevant data it is not appropriate to use the related graphics as data. It is the responsibility of the data user to use the data appropriately and consistent within the limitations of geospatial data in general and these data in particular. The data are not better than the original sources from which they were derived. The information contained in these data is dynamic and may change over time. GIF or JPG format files) are not legal documents and are not intended to be used as such. Use Constraints: The National Park Service shall not be held liable for improper or incorrect use of the data described and/or contained herein. Place Keyword: Assateague Island National Seashore Place: Place Keyword Thesaurus: National Park System Unit Name Thesaurus Place: Place Keyword Thesaurus: National Park System Unit Code Thesaurus Place: Place Keyword Thesaurus: Geographic Names Information System Theme Keyword: Infrastructure / Maintenance Theme: Theme Keyword Thesaurus: National Park Service Theme Category Thesaurus Theme: Theme Keyword Thesaurus: Assateague Island National Seashore Keyword Thesaurus Keywords: Theme: Theme Keyword Thesaurus: ISO 19115 Topic Category ![]() Spatial Domain: Bounding Coordinates: West Bounding Coordinate: -180 Maintenance and Update Frequency: As needed Time Period of Content: Time Period Information: Single Date/Time: Calendar Date: 20000101 Supplemental Information: This dataset does not show all the structures located in Virginia. Purpose: The purpose of this dataset is for general use and documentation of park development. Some of the points in this dataset may no longer be in the same location or may not be in existence due to the rapidly changing island. These locations exact positions are given in UTM. Included are the new visitor center, bath house #2, the OSV booth, and the air pumps. ![]() Online Linkage: Online Linkage: Description: Abstract: This dataset shows the location of developed facilities in the Virginia district of Assateague Island National Seashore. Publication Information: Publisher: NPS, Assateague Island NS, Maryland ![]() Geospatial Data Presentation Form: vector digital data Title: Virginia Facilities located on Assateague Island National Seashore Identification Information: Citation: Citation Information: Publication Date: 20000101 Virginia Facilities located on Assateague Island National Seashore Virginia Facilities located on Assateague Island National Seashore ![]() ![]() ![]() Improved metabolic health may have helped these women lose weight and become healthier, as that improvement has helped their bodies turn off their fat-storing mode. They also improved metabolic health markers such as LDL, HDL, triglycerides, and total cholesterol. These women experienced significantly improved body mass index or BMI ( read our article on BMI to learn why this may not be the most reliable marker) and reduced overall body weight and fat mass. The authors found this diet may benefit more than just menopausal women’s waist circumference. Everyone is different, so work with your nutritionist to find the right ratios for your needs. There were variations in how much each person ate of what. And less than 30 percent of calories from fat.50-60 percent of calories from carbohydrates.Specifically, the macronutrient breakdown was: ![]() It included lots of fruits and vegetables, whole grains, legumes, protein, and (of course) good quality olive oil. In this study, they had menopausal women follow the MD, mimicking the diet of people living in Nicotera, a southern Italian town. One study investigated how a Mediterranean diet (MD) would affect weight and other health markers in menopausal women. If it suits you, it may be a good idea to work with a dietitian to incorporate it into your lifestyle. For some, research finds that the Mediterranean diet may be beneficial for managing menopause-related weight gain. While we don’t recommend specific diets, you can work with a healthcare professional to find foods that can help you during menopause. If you don’t, you can bring this topic up with your healthcare provider and determine if this would be a beneficial option for you. ![]() If you work with a functional medicine doctor, you may know HRT is one option for menopause support. Later re-analysis said the opposite: when done properly and in early menopause, HRT can help with menopausal symptoms and improve cardiovascular health and all-cause mortality. The verdict from early 2000 studies on hormone replacement therapy, or HRT, was that there was more harm than benefits for HRT. And while it’s something you should always discuss with your doctor, it isn’t as black or white as some think. The next logical train of thought would be to wonder whether hormone therapy is the key to managing weight gain during menopause (or preventing it altogether). Here are a few tips to help you out: 1) Consider Hormone Therapy Consider a few tweaks to an already healthy lifestyle, like making dietary changes and getting enough sleep. So, for overall health and wellness, focusing on weight management as you go through these natural changes is a good idea. Unchecked menopause weight gain can impact your health, and excess body mass can cause a range of health issues, including but not limited to: How Menopausal Weight Gain Affects Women’s HealthĪll that excess weight you’re putting on during menopause can be challenging to deal with emotionally, but there’s more to consider here. While more research is needed on the direct associations between menopause and weight gain, it’s a good idea to spend a little more time on weight management if you do find yourself gaining weight during this time. Like the other study, these researchers found that women on hormone therapy did not experience an increase in waist circumference or waist-to-hip ratio. The researchers in this study found that women in menopause had a greater waist circumference and waist-to-hip ratio during this period. ![]() Again, this suggests that the weight change is hormone-related (for example, due to declining estrogen levels).Īnother study illustrated that it’s not necessarily that menopause leads to general weight gain, but more specifically, abdominal obesity. The authors also conclude that hormone therapy with estrogen and estrogen-progestin may help prevent excess weight gain during menopause. A review of research on menopause and weight gain found that hormonal changes during menopause were associated with increased abdominal fat. It can happen even if you stick to a healthy diet and keep up with physical activity. So you may find that along with the night sweats, mood changes, and other symptoms of menopause, you’re also putting on weight. One main reason is all the hormonal changes that occur during this time, especially with lowered estrogen levels.Īs the North American Menopause Society notes, although menopause may not be directly related to weight gain, it does have associations with changes in body composition and fat distribution.Īs women age, they may start to exercise less, their metabolism slows down, and they’re more prone to issues like wider waistlines and abdominal fat. During menopause, your body undergoes many changes, and there may be various reasons you may be gaining weight during this time (as well as during perimenopause). ![]() ![]() Sinbad also befriended Sharrkan Amun-Ra, Pisti, and Spartos Leoxses along the way, though these three are technically still citizens of their respective nations. The five who are actually permanent residents of Sindria are Drakon, a former officer in the Parthevia Empire who began as Sinbad's enemy, Hinahoho, an Imuchakk warrior from the north, Ja'far, a young assassin who was hired to murder Sinbad, Masrur, one of the Fanalis Champions of the Reim Gladiator Colosseum, and Yamraiha, an ex-student of Magnostadt's Magic Academy. Sometime after this, Sinbad trained with the Yambala Gladiators, during which he learned how to use Magoi Manipulation, which took him a year.ĭuring his journeys, he recruited all of his future Kingdom's Generals. During a battle where Sinbad lost someone important to him, he took all of the black Rukh of his citizens and became half-fallen. Sinbad has also sailed across the world's seven seas, hence his nickname, Sinbad, the High King of the Seven Seas, and founded his own country, Sindria.Īfter conquering the two dungeons, Baal and Valefor (Dungeon), Sinbad went on the establish the first Sindria Kingdom on a small island off the coast of Parthevia. However, after his seventh and last djinn, he was told that neither he nor any members of his Household were allowed to enter any more dungeons. Since then, he has captured six other Dungeons. When Sinbad was 14, he conquered his first dungeon, Dungeon, where his father had lost his life. Upon his birth, Yunan, Scheherazade, Matal Mogamett, and Arba all felt the fluctuation in the Rukh, prompting Yunan to call him a "miracle". Sinbad was born and raised in Tison Village, a small town in the Parthevia Empire. As stated by Hakuryuu Ren, Sinbad considers those generals to be smaller and weaker than him, despite Sinbad claims that he believes in them. He holds the same view even for his trusted eight generals. As a result, he looks down upon other people. ĭue to being able to foresee the flow of destiny, Sinbad is quite arrogant, believing himself to be exceptional compared to other people. After talking with Ja'far, he realizes that he has become sly and manipulative, traits that he'd hated when he was young. However, it is later revealed that he helped Alibaba Saluja, Aladdin, and Hakuryuu Ren because they were potential allies in the battle against Al-Thamen. One example of this is in Balbadd, when he allows a starving mother and the band of desperate people with her to raid the mansion he was supposed to guard on the condition that they do not hurt anyone. He initially appears to be selfless and devoted, doing altruistic deeds for other people without asking for anything in return. īy the time he is an adult, he has lost much of that innocence. He selflessly uses the money from conquering Baal to purchase boats for the citizens of Contastia Harbor. When he is young, his mother describes him as being an energetic, sensitive boy who cherishes his friends and family. Sinbad admits that “ happened before.” ĭespite all this, he can be serious when needed and is a great and honorable king who is respected by everyone he meets, especially his subjects (whom he seems to consider a sort of extended family). This is common enough that when he is accused of taking advantage of Kougyoku, Ja'far and the others instantly take her side. When drunk, Sinbad's flirtations with women are indiscriminate. He has flirted with female characters, including, but not limited to, Kougyoku, Mira Dianus Artemina, Morgiana, and many others. ![]() He can be quite a flirt and is not above using his charm to get what he wants. Sinbad is a very laidback and fun-loving person. When he was young, he used a scimitar as a weapon. He carries himself confidently and usually has an easy smile on his face. ![]() Sinbad also has a long, thin ahoge that sticks straight up. Sinbad also wears a lot of jewelry, most of which are actually the Metal Vessels (bangle, necklace, ring, etc.) he has collected over his years of dungeon conquering, though he has had his hoop earrings since childhood. He wears floor-length purple and white robes, a white turban with feather decorations, and pointed red shoes. ![]() He has golden eyes and very long, purple hair tied in a ponytail. Sinbad is a tall, attractive man with tan skin and a muscular build. ![]() ![]() This program Vector Magic 1.15 Product Key helps to create the Black and White image into. Vector Magic Serial Key Vector Magic 1.15 Crack with Product Key is possible to improve color, alter the arrangement of photographs and add a lot of unique consequences.This piece of software is a great solution to save precious time when it comes to converting low resolution images into vector illustrations. If you don't want to pay for it, you might be tempted to use a keygen (a program that generates serial numbers or activation codes for software) to crack it. You need to purchase a license to use it without limitations. It offers the same features as the Vector Magic webservice. However, Vector Magic is not a free software. Download this American Flag Creative Magic Cap, Map, Hat, Celebrating PNG. Vector Magic Desktop Edition automatically converts bitmaps into vector images. This flag is identified Egypt next to the. ![]() Vector Magic destop edition has a convenient drag-and-drop interface that lets you easily and fully load, convert and save images very quickly. 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Tips on saving for a comfortable retirement This rate will affect your distribution's purchasing power. The Bureau of Labor Statistics reported the CPI as 1.2%. From 1925 to 2020, the long-term inflation rate averaged 2.9% annually. The Consumer Price Index (CPI) is a common measure of inflation. Since you don't have to sell stocks during markets, your savings can last for the long haul. The 4% rule can help your money last even longer than 30 years of retirement. He tested his theory across different recessions, even the Great Depression, and discovered 4% was a safe withdrawal rate. This strategy was based on research by William Bergen. The 4% rule remains a safe withdrawal rate even during the worst market downturns. With each successive year, take out that same dollar amount plus an inflation adjustment.During retirement, withdraw 4% out of your savings the first year.Make sure you can cover these expenses with guaranteed income, such as Social Security, bond ladders or an annuity.Figure out how much you need for basic expenses, like housing and food.Invest roughly 60% of your money in stocks and the rest in bonds.At this rate, your money should last roughly 30 years. The 4% rule says that, if you invest 60/40 in stocks and bonds, you can safely spend 4% of your nest egg each year. How long will my money last using the 4% rule? Nearly 40 million working-age households (45%) do not have any retirement savings.The average Social Security benefit for retired workers is $1,461/month.47% plan to rely on Social Security as their primary retirement income.The average household with retirement savings has $60,000 saved.Once you have that number, see if your retirement savings can afford that lifestyle. It's pretty quick and easy to figure out if you're saving up enough to cover the lifestyle you want. How do you calculate your retirement expenses? With this calculator, get an estimate of bills and expenses you'll have to pay in retirement. Are you sure you can afford the lifestyle you want? After many years of hard work, it's finally time to relax!īut before you kick back, you'll want to ensure your finances are in order. ![]() |
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