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Celades: “You are talking to renew Garay; the ideal is that it be solved quickly and well”

first_imgGuedes: “Recovering Guedes would be a good gift. He is well, he is much more lively. Another phase has passed, which is going out to the field. It is in the field readjustment phase. Little by little it will enter into collective work and that is a good step. We are advancing”.Kang-in: “Kang-in is in a phase similar to Gonçalo. You are performing the retraining. He and Guedes will not be in the Super Cup and then join the group. Gameiro, Maxi and Cillessen are in a position to enter the call ”.Right side for January: “I repeat the usual. I am very happy with the template I have. The reality is what we have and I am happy with what I have. ”Joao Cancelo: “I understand your concern but we can’t talk about these things when we have such an important game on Saturday.”Are you worried about a possible offer for one of your players?: “That would worry me because you can’t control those things. We are happy with the template. If that happened, we would have to sit down and see what happens. ” Before the press conference, Albert Celades made the traditional Christmas toast with the representatives of the media, in the Media Center of the Sports City of Paterna and wished a Happy New Year 2020 to all present.New Year: “We always ask you for health. And that health is that people who are injured are healthy and can practice their profession. We have had many injured, now and less, we only have four injured. As for the competitions, we face each game with the intention of winning it and that is our will ”.A title for 2020?: “The other will be a consequence of doing things right. I don’t think much beyond the match against Eibar. ”Alberto Iranzo. ‘); Return false; “class =” item-multimedia “>Albert Celades, with the representatives of the media.Alberto Iranzo. Garay: “Ideally, it will be solved quickly and well. May everyone be satisfied. Negotiations are sometimes longer than one wants. I have talked to him. Within a negotiation there are moments of uncertainty. He is a veteran and is not the first time that happens. We believe that it will carry it well and will follow a remarkable performance. It is in talks to renew. Hopefully everything will be solved until we reach this situation. That the player feels valued and that the club thinks that he is an important footballer for him ”.Ran: “I have never said that he has no level to play in Valencia. He has not played so much because we have decided on other players.Valencia from Celades or Marcellin?: “I already told. I have no obsession to talk about ‘Valencia de Celades’. It is the Valencia of Valencians and it should be. I have no other obsession. ”center_img How do you prepare a game when a title is played in a few days?: “It is prepared as the rest does not matter, as the important thing is Saturday. Eibar has put Valencia in many difficulties: two victories and one draw. The Eibar is a team with a very defined situation. He has had many injuries, like us, and that has hindered him in the classification. As we are not with the right mindset, we will go through difficulties. It is a determined, daring team that wants to steal up, with a very direct game. But despite that they have a good combination game and great technical quality. ”Open Door Training: “It was a very beautiful experience, on the dates we are. Hopefully we can repeat. Yes it is true that we need peace of mind to prepare some things. The other day, in Mestalla, we couldn’t but we need the support of the people and we have to give it. ”Goalkeeper: “We haven’t told them yet. Yes we know who will play. But first we will tell the players. ”No defeats at home: “We want to continue without any defeat, with this competitive gene and this situation. It is a very important value, you have to try to keep it. The fans help us, when we are together we are very strong. ”last_img read more

5 Ways You’re Saving for Retirement Wrong

first_imgIf you haven’t started saving yet, you’re not alone. According to Northwestern Mutual’s 2018 Planning & Progress Study, about 1 in 5 Americans have nothing saved for retirement.And the average American has $84,821 saved for retirement, which is far less than the $1 million to $1.5 million that’s recommended.These numbers paint a bleak picture, suggesting many Americans will not have the means to support themselves later in life.So how can you stay ahead of the curve and support yourself after you’ve stopped working? First, make sure you’re not making any of these retirement savings mistakes.1. Not Having a Retirement PlanThey say that failing to plan is planning to fail. Although this might not always be the case, it certainly rings true when it comes to saving for retirement. Without a plan in place, it’s impossible to know whether you’re on the right track.“The major mistake people make is not having a written retirement plan in place at an early age,” said Drew Parker, creator of The Complete Retirement Planner. “You should actually start developing a comprehensive retirement plan as soon as you start working.”Part of this plan should be to set a retirement savings goal. Since everyone’s lifestyle is different, your target figure should be customized to your unique needs.Carter Henderson, founder and chief investment officer at Henderson Capital Group, recommended using the “replacement ratio,” or what proportion of your current (or predicted) income you’ll need during retirement.“To be considered financially secure, meaning you’re not living on a tight budget nor are you spending money on lavish vacations, experts recommend replacing 70 percent of your former income,” said Henderson. “If you think you’ll cut back in retirement, plan to replace 60 percent, but if you want to live just like you are living and take some lavish trips, you should save enough to replace 80 percent to 100 percent of your former income.”Once you know your goal, you can use an investment calculator to work backward and figure out how much you must save each year to reach that number.16 Companies That Will Help You Retire a Millionaire2. Waiting to Save Until You’re Debt-FreeIf you’ve got debt (student loans, anyone?), you might be tempted to put saving for retirement on the back burner until you’ve paid it off. But waiting to save would be a mistake, particularly if you have low-interest debt.“Not starting to invest regularly as a 20-something is a financial mistake that carries long-term consequences,” said retired professor Timothy Wiedman, who taught a course on retirement planning. “Unfortunately, many young folks divert their disposable income in other directions, believing that they can catch up later after their incomes rise. But that strategy is almost always a big mistake.”That’s not to say you should ignore your debt, but rather find a balance between debt repayment and saving for retirement. After all, the earlier you start saving, the bigger your nest egg will grow over time.“The single most determining factor for success in savings for retirement is length of time in the game,” said Matthew Novak, a certified financial planner (CFP) at Integral Wealth Planning. “The power of compounding interest over 30 years is more important than any single investment pick.”Compound interest is a powerful force over time, so take advantage of it by starting early. Even if you can only set aside a small amount now, you can always increase your contributions over time.3. Stashing Cash in a Bank Account Instead of InvestingWhen we talk about saving for retirement, we’re typically not referring to saving money in a bank account. Even high-yield savings accounts only get around a one percent annual return, which won’t amount to much over the long run.Instead, you should put your money into a retirement savings account, which typically includes a mix of stocks and bonds.“Out of default, many people put their money into a savings account when they are saving for retirement,” said McCall Robison, who writes about retirement planning for Best Company. “Although it’s good to start saving, putting your money in a savings account isn’t doing you any good in regards to increasing the amount of that money. Instead, you should look into other options that will still give you opportunities to earn interest on your retirement fund.”If your employer offers a 401(k) or 403(b), go with that. If not, look for a low-fee individual retirement account (IRA), such as the one offered by Betterment. Self-employed people and small-business owners might also use a simplified employee pension individual retirement account (SEP IRA).You also don’t have to limit yourself to one account, especially if you plan to save more than yearly contribution limits allow.4. Failing to Take Advantage of Tax BenefitsBesides giving you a solid return on investment, retirement savings accounts also offer tax benefits.Traditional IRAs, for instance, let you contribute pretax dollars to your account. You can contribute more upfront while lowering your taxable income, but you will pay taxes when you withdraw the money.Roth IRAs, on the other hand, involve post-tax dollars, but your future withdrawals aren’t taxable. Roth IRAs can be an especially good choice for young people as they’re likely not in high tax brackets yet.“The Roth 401(k) makes sense for them because they’ll likely never be in a lower tax bracket again,” said Levi Sanchez, CFP and co-founder of Millennial Wealth. “Over time, they can switch to the traditional 401(k) as their compensation and tax bracket increases.”If you’re just getting started, learn the differences between traditional and Roth accounts so you can make the best choice for your future.Female Workers Aren’t Saving Enough for Retirement—Here’s How to Change That5. Not Maxing Out an Employer MatchIn addition to offering a 401(k), some employers will also match a percentage of your contributions. For instance, let’s say you make $50,000 a year and your employer offers a three percent match.That means your employer will deposit $1,500 in your 401(k) every year as long as you also contribute that much or more. This employer match means you immediately get a 100 percent return on three percent of your salary.“Make sure to max out the contributions that your employer is willing to match,” said Robison. “Not matching your company’s contribution is like throwing that offered money into the trash.”If your employer offers this benefit, try to take full advantage of it. After all, it’s free money that will go straight into your retirement savings.This article was originally published on Student Loan Hero. It is reprinted with permission. Hot New Jobs For YouView More Jobslast_img read more