4 common mistakes people make with their 401(k) plan

4 common mistakes people make with their 401(k) plan

401(k) plans are among the best ways to save for retirement. Employers provide this benefit to their employees during their tenure in an organization. A 401(k) plan involves employees adding a certain amount to an account that grows tax-free over time, alongside contributions from their employer. However, certain mistakes like prematurely withdrawing funds or not checking the balance regularly can affect the benefits associated with one’s 401(k) plan,   Using the funds early Employees tend to have access to their 401(k) fund. Accessing the fund before they turn 59 and a half years old means a 10% penalty will be levied above the income tax owed to the distribution. Employees in desperate need of money can withdraw it through hardship withdrawal schemes or loans, which also come with added fees. Because of these reasons, exhausting the funds of one’s 401(k) plan earlier than scheduled negatively impacts their long-term savings potential.  Switching jobs before becoming vested in one’s 401(k) Several employers add matching funds to an employee’s 401(k) along with the employee’s contribution. This double saving gives employers an added incentive and motivation to save more money. The matching amount is usually a percentage of the employer’s contribution. So, for example, if an employee contributes 8 percent of their salary to their 401(k) fund, then if the employer agrees to match up to 50% of this amount, the employee will receive a periodic contribution of 4% of their salary as the employer contribution.
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Party all night long on these four cruises

Party all night long on these four cruises

As professional life gets tougher and busier by the day, people are growing increasingly conscious about how they spend their vacations. Cruises offer the perfect getaway with a wonderful time on the waves, filling the air with a relaxing and celebratory vibe and tranquillity. The growing popularity of cruises isn’t hard to comprehend, with youngsters being especially receptive to the idea of partying at sea. A substantial number of cruises are tailored-made for parties, leaving US shores usually for three to four nights. Norwegian Escape True to its name, the Norwegian Escape is a really enjoyable distraction from the hustle of everyday life and stands out amongst other cruises. Owned by the Norwegian Cruise Line Holdings, the Escape has a vibrant partying atmosphere with the right blend of music, fun activities, and engrossing cinema. During the day, you can indulge in the enthralling and adventurous Aqua Park, which is one of the complimentary activities from a host of other fun activities. In the evening, you can croon to the upbeat and fun tunes spined by the resident DJ in the Spice H2O bar. Additionally, a host of themed parties such as glow parties are hosted on select evenings for the guests. With onboard bars and lounges such as the Skyline Bar on Deck 7 and 5 O’Clock Somewhere Bar on Deck 8, which is part of the Jimmy Buffet franchise, there’s not a single boring moment on this cruise. Carnival Fantasy The oldest vessel of the Carnival Corporation & PLC, Carnival Fantasy houses its own DJ academy run by Las Vegas and Miami DJs. It has nightclubs, themed-party nights, the latest BlueIguana Tequila Bar and RedFrog Rum Bar, and late-night dancing at the Electricity Nightclub, which starts at 11 pm. Although it’s an ideal choice for the party-people, the Fantasy also provides a relaxing solitude and service.
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Here’s everything about best tire coupons

Here’s everything about best tire coupons

Although the tires tend to get overlooked, they are one of the most important parts of a vehicle. They contribute to road safety, as old or worn-out tires are just an accident waiting to happen. But, despite being such important components, tires are ridiculously expensive, which is why you should get some tire coupons and deals to ensure that you and your family are traveling safely without burning a hole in your pocket. Why are tires important? Tires are surely important, but why? For starters, they hold the weight of both the vehicle as well as the people in it. They provide traction and braking force with the help of treading, preventing skidding and any accidents due to it. Tires also help absorb the shock of bad roads to prevent damage, and if aligned properly, they help change or maintain the direction of a moving vehicle. How to shop for the perfect tires? Before buying a new tire for your vehicle, you should check these factors: Traction: One of the most important things to check while buying tires is the treading depth and traction rating. Why? They help maintain proper traction and keep your car from flying off the road in harsh weather conditions, which can otherwise make you lose control of the vehicle and get into an accident. Always ensure that you get coupons to splurge on a tire with an AA traction rating. Temperature: Before buying a tire, you also need to check out its temperature ratings. This number will help you figure out how fast the tire can move while it dissipates the heat created from friction. For normal road driving, use your coupons to buy a tire rated B or C. Noise: To get the best traction, you want the most hardcore tread design, but the same design will give you tremendous noise while cruising down the freeway.
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Here’s how a proper nutrition can help you stay fit

Here’s how a proper nutrition can help you stay fit

Whether it is merely jogging or playing an outdoor sport such as football, active people or athletes must eat a nutritious and balanced diet. Adequate nutrition ensures ample fuel for the body. Proper nutrition, like any sports activity, has basic ground rules. Following these rules and getting plenty of practice can help people lead a healthy life. This article sheds light on the importance of both fitness and nutrition. A well-balanced diet is crucial, as it provides the required energy in the form of carbohydrates, fats, essential protein, vitamins, and minerals. But, what is a well-balanced diet? Several health experts and nutritionists suggest that a diet containing 55-60% of calories from carbohydrates, around 20% of calories from fat, and the remaining (about 10-15%) from protein can help you stay at the pink of your health. The calorie percentage translates into eating a variety of foods every day: fruits, vegetables, beans, low-fat dairy products, and lean meats. The base of the diet must comprise starches and sugars. Water and other fluids are also an essential part of the winning combination. The fluids not only help transport nutrients throughout the body but also avoid dehydration. Lack of hydration can stop even the fittest individual from playing his or her best game. How does nutrition help us stay fit? Fitness and nutrition go hand in hand. When we consume starches or sugars, our body converts them to glucose. It is the only form of carbohydrate that is consumed directly by muscles for energy. The carbohydrates can be in the form of starches present in vegetables and grains, table sugar (sucrose), fruits and juices (fructose), or milk sugar (lactose). Since the body uses this glucose in the blood for energy, it is stored in the form of glycogen in the liver and muscles. During exercise, glycogen is broken down to provide power to the muscles.
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Dietary tips for healthy body weight management

Dietary tips for healthy body weight management

Today, weight management has become essential for a healthy body and mind. Staying fit and maintaining a healthy body mass index reduces the likelihood of health complications like high blood pressure, diabetes, cholesterols, and morbid obesity. While exercise and lifestyle changes are crucial, certain dietary changes must also be made to ensure effective weight loss or healthy weight gain. Check out the following simple tips that help you stay on track. Eat more vegetables Less than a tenth (just about 9%) of the adults in the country actually meet the minimum requirements of vegetable intake recommended by medical professionals. There is no doubt that green is the way to go, especially when you want to supplement your diet with nutrient-rich foods and maintain a healthy weight. You must include broccoli, zucchini, peppers, tomatoes, onions, cauliflowers, and brussels sprouts in your daily food intake. These non-starchy veggies are loaded with fiber, antioxidants, and essential nutrients that counter inflammation and improve digestion. Whole grains Whole grains are your best bet when it comes to foods that help promote weight loss. Whole grains are rich in nutrients and loaded with fiber to aid digestion and increase metabolic activity. There are plenty of whole-grain options that you can include in your breakfast, lunch, and dinner for a more nutritious diet. For starters, have some oatmeal without sugar for breakfast. Oats absorb bad cholesterol and help reduce fat content. Also, it is quite common to experience midday hunger pangs even after having a heavy lunch. But untimely snacking can disrupt your diet plan. The solution, keep some whole-grain crackers handy and munch on them whenever you feel hungry. You can dip the crackers in healthy nut butter or hummus to add to its taste. However, ensure that in a single serving you do not have more than four whole-grain crackers.
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Top 5 Android smartphones in 2020’s market

Top 5 Android smartphones in 2020’s market

It is needless to say that smartphones have become a massive part of our lives. Harnessing amazingly intricate technology, these devices are now even more capable and deliver unprecedented value and service. The demand is higher than ever, giving companies further stimulus to go out and launch new systems. 2020 has already witnessed this, with the five best Android smartphones of this year listed below. Samsung Galaxy S20+ Arguably one of the best smartphones in the market today, the S20+ boasts fantastic features alongside a much better camera. It has a bigger and better display, which has a 120-Hz refresh rate, 12 GB RAM, 128 GB or 512 GB storage, a Snapdragon 865 processor, 5G capability, and a larger 4500 mAh battery. As far as the camera is concerned, there are bigger sensors for low-light imaging, a 3x optical telephoto lens, and 5x zoom capabilities. It is priced at around $1200, which is more than worth it for this premium device. OnePlus 8 Pro Chinese phone giant OnePlus has made quite a name for stunning high-end features and design. The OnePlus 8 Pro, the costliest phone made by the company, sports a Snapdragon 865 processor, up to 12 GB RAM, 90Hz AMOLED display, 4,300 mAh battery, 6.78-inch OLED screen, and OxygenOS software. While the camera isn’t the best, the four rear lenses are capable of getting impressive shots for mobile photography. Google Pixel 4 XL The biggest selling point for almost every Pixel is its superior camera. The Pixel 4 XL is no exception, with the main rear camera capable of taking incredible shots and the secondary telephoto lens superb at even 5X zoom. The phone, meanwhile, fashions a 6.3-inch Quad HD+ Smooth Display, 6 GB RAM, Face Lock, Motion Sense, Titan M Security Module, and longer battery life. Samsung Galaxy Note10+ Despite having been in the market for some time now, the Galaxy Note10+ still stands firm and is one of the most powerful smartphones out there.
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Samsung phones you should definitely check out

Samsung phones you should definitely check out

Trying to figure out which android is best suited to your needs is like venturing into a never-ending pit of despair. While there are a multitude of brands you can opt for, Samsung over the years has produced some of the best smartphones replete with top-notch features. However, with so many feature-laden models, choosing the one that best suits your needs can be difficult. To help you narrow down your choices, here is a list of the latest smartphones from Samsung. Now, all you need to do is figure out your budget and your needs before choosing your next Samsung phone. Samsung Galaxy S20 Plus Released in March 2020, this Samsung flagship phone comes with a 6.2-inch AMOLED screen that has a QHD+ resolution, making for a clear and colorful display. It also features a major camera upgrade with a 12MP+64MP+12MP rear camera setup and a 10MP front camera. The phone also features a 4000 mAh battery that comes with a 25W Superfast charger and has 128GB of internal storage. Samsung Galaxy Note 10 The Samsung Galaxy Note 10 was released in August 2019 and has made a name for being one of the better Notes in the Galaxy Note series. While it features a fancy camera setup and massive internal storage of 256GB, the phone loses out due to its 3500 mAh battery life. However, it makes up with the Superfast charger and comes with the S pen stylus. The S pen is a great addition to the handset as it allows you to take notes and draw, especially if you are a digital artist. Samsung Galaxy Fold Is this a phone? Is this a tablet? The answer to both these questions is yes. It is a two-in-one foldable phone with a 7.3-inch screen size that can be folded to a 4.6-inch screen.
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