Financial milestones everyone needs to achieve

first_img 116SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Tyler Atwell Web: Details Everyone has a different life plan and different expenses. No matter what that looks like, make sure you’re checking off these financial milestones.Start saving for retirementI’ve written in length on how important it is to start early when saving for retirement, but regardless of when you start saving it is indeed a milestone. You benefit more from saving early, and the longer you wait, the worse it gets.Pay off student loansEducation is getting more and more expensive and the student debt crisis is consistently in the news as a serious problem. Some students have resigned to never paying their debt off and just perpetually rolling them over. Paying them off has now become a great accomplishment.Establish a good credit historyWhile you may have missed some payments when you were younger and made some mistakes with your finances, it is important to redeem them. Developing a solid credit history will help with big purchases and shows how responsible you can be with paying your bills.Invest in more than a retirement planWhether it’s something simple like mutual funds or something more advanced like stocks, it is important to have your money diversified in something beyond a basic savings account.Maximize employer benefitsIf you work somewhere that provides you with perks, you should be using them to the fullest. Employer match accounts are effectively the closest thing to free money that exists, so the sooner you maximize your benefits, the better.Have a positive net worthThis is the moment that everything you earn with become pure profit. There is nothing more exciting than when assets – liabilities = a positive number.Buy your first homeBuying a home is easily one of the largest financial obligations most people will experience, and it may determine your spending habits for the future.Deciding when to retireThere are quite a few things to consider when it comes to retirement, and they differ for everyone. Deciding when to collect social security, how much you need in savings, and how you plan to spend are just a few of the things you may need to think about.last_img read more

Advocaat to wait on Johnson call

first_img Johnson is available for selection after the club decided not to re-impose the suspension to which he was subject following his arrest last month despite police charging him with three offences of sexual activity with a child under 16 and one of grooming on Thursday. But Advocaat will make a decision on whether or not to involve the 27-year-old England international after discussing the situation with him to ascertain his state of mind. “We are not in a position to make any further comment.” Such is Sunderland’s plight – they head into the weekend sitting just a single point outside the relegation zone – that they need all the talent they can muster, and at his best, their £10million signing from Manchester City is one of their most influential players. However, it remains to be seen how much of a part he plays in the remaining six games of a season which is threatening to spiral out of control in the wake of a 4-1 drubbing by Crystal Palace at the Stadium of Light last time out. Advocaat has set his players the task of collecting at least six points from their remaining fixtures, although given that their last two see them travel to FA Cup finalists Arsenal and champions-elect Chelsea, the likelihood is that they will have to garner them from the next four games. Advocaat said: “I think six, seven points must be possible, otherwise we don’t deserve it. It’s quite simple. If you look at the table, then we have to do it in the next four games.” However, despite not wanting to head for the Emirates Stadium and Stamford Bridge with the club’s future uncertain, the 67-year-old is refusing to write off the last two games. He said: “Everybody thinks against Chelsea and Arsenal, there’s nothing to take. I still think that you can do something there as well because I know from my experience that against those kind of teams, you can do something. “But the first game is tomorrow. We have to do it there.” Advocaat will be without striker Steven Fletcher, who has consulted a London specialist over an ankle problem, while Wes Brown is still out and Sebastian Larsson completes his two-match ban. Asked if the midfielder was available for the game, the Dutchman said: “He’s in the squad, yes, tomorrow. If he’s in the squad, then I will consider him for selection, otherwise he would not be in the squad. “He still has to come in, but in principle if he feels okay, then he will be a member of the squad.” Asked if it was a difficult situation for him to deal with as a coach, Advocaat said: “No, because the club made a statement about it and I stay behind that, and we will wait and see what the future will bring.” That statement revealed that Sunderland had not changed their position on Johnson, who has been used as a substitute in the last three games after the suspension they initially imposed was lifted. It said: “Following yesterday’s statement from Durham Constabulary, the club recognises that the formal legal process must take its course and whilst our position remains unchanged, we will keep the matter under review. “The club will not be making any further comment.” Advocaat is hopeful that Johnson will not be a target for opposing fans as he waits for the legal process to be completed – he is due to appear at Peterlee Magistrates’ Court on May 20 – and the Professional Footballers’ Association has urged restraint. In a statement, the PFA said: “Given that this is an ongoing legal matter, it would not be appropriate to comment specifically on the case. However, we would emphasise that just like any other individual, Adam is entitled to a fair hearing. Press Association Sunderland head coach Dick Advocaat will leave it to Adam Johnson to decide if he is mentally ready to play a part in Saturday’s Barclays Premier League clash with Stoke at the Britannia Stadium. last_img read more

Syracuse plagued by penalties, lack of possession in 5-2 loss to No. 1 Wisconsin

first_img Published on October 7, 2017 at 7:31 pm Contact Adam: [email protected] | @_adamhillman Halfway through the second period, Syracuse head coach Paul Flanagan became visibly distraught.His team, trailing by a goal to top-ranked Wisconsin, had already committed four penalties in the first period and, while SU was able to get one of the two allowed goals back, the team simply didn’t possess the puck enough to create another chance.This was a usual theme for Flanagan, as a lack of control in the offensive zone along with penalties frustrated both Flanagan and his players. On Saturday afternoon at Tennity Ice Pavilion, Syracuse (0-3-1) committed eight penalties and, though it only resulted in two goals, the Orange needed to remain on the defensive against Wisconsin (6-0), which beat the Orange, 5-2. Shots streamed toward Miller and any possible Orange momentum flagged.While the Badgers commanded the course of action, Flanagan blamed the penalties on the refs; not mistakes by the Orange.“There was a bad call right off the bat and the flow just wasn’t there,” he said. “Wisconsin carried the flow. Just a real poor job of officiating. For us, it’s tough. We held our own. The officiating (contributed to the more physicality). … They didn’t do a very good job managing the game.”AdvertisementThis is placeholder textIn the previous two games of SU’s series with UW, the Orange surrendered 38 shots to the Badgers. Yet, as SU was able to tally the team’s first two goals of the season on , the Badgers offense ignited in the third period.Abbey Miller, the Orange’s senior goalkeeper, felt that the scoreboard did not justify how the team was playing.“I felt like we played pretty well,” she said. “They are a really good team, but bounces and calls really weren’t going our way. It was kind of a goofy game.”Freshman Victoria Klimek’s tripping penalty forced the Orange shorthanded 36 seconds into action. Even though they escaped with no goal allowed, the call set the tone to the Orange’s physical play. SU went without a skater four times in the first period, with two resulting in goals.The aggression was a specific game plan, said junior defender Allie Munroe.“Playing against the number one team in the country,” she said, “we knew that if we wanted to compete with them we were going to have to get in their faces and win the battles. We knew that we needed to step it up a little bit.”The Badgers’ power-play opportunities allowed them to control the puck. They were able to advance into the offensive zone and fire shots at Miller consistently throughout most of the game.Even while SU was left on the defensive for the majority of the action, the forwards displayed poise in front of the net, converting 24 shots into the first two goals of the season. After sophomore Kelli Rowswell scored a minute into the second period on a power play, freshman Emma Polaski netted her first career goal. For her, though SU lost, she’ll remember the game.But excluding a ten-minute stretch in the second period that included Polaski’s goal, Syracuse struggled to find quality chances on a consistent basis.“It is something that we just have to really harp upon,” Flanagan said. “When you get an opportunity, don’t just pass the puck aimlessly to someone.“Take the time to get your eyes up and get real good shots on net.” Comments Facebook Twitter Google+last_img read more