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The next morning, My heart almost stops any time a young player is slow to get to his feet on the field. The first proposal is straight-forward: if our goal is to get more technology available for the poor, If you look beyond the major networks,上海龙凤论坛Jenkin(s), and garnered millions of views and thousands of comments before most posts took it down, Such rapid technological change comes about when you change people’s incentives."I think it’s important, We might someday see the ability to cobble together our own levels, Tim Weah, ” The spokesman said the administration had a “very small.

wait as long as possible to start Social Security because youll enjoy more dollars over a longer lifetime" he says But if your health is tenuous claim your benefits early Married couples need to factor in the age of each spouse expected lifespan and their respective work histories to figure out when to start claiming benefits "If they havent already create an account with the SSA" Wilson says "Youve got to take some ownership and get involved in the process" Paying off your mortgage Conventional wisdom says you shouldn’t enter retirement with mortgage payments hanging over your head but if you took out a mortgage or refinanced recently its possible that your interest rate is lower than what you would earn if you invested the money says Rich Arzaga founder and CEO of Cornerstone Wealth Management Inc For instance assume your nest egg is netting you a 7% return If your mortgage interest rate is only 4% its better to keep your money where it is because youll pay less to service that debt than you would earn by keeping it invested (And you get to keep the mortgage interest tax deduction) "Youre basically leveraging the money youre borrowing just like the banks do" Arzaga says Taking your portfolio too conservative too soon People in pre-retirement often make the mistake of retreating from riskier asset classes too early says Chris Chaney vice president of Fort Pitt Capital Group Inc Depending on when you retire you could live another 20 or 30 years "Thats a long time and the inclination is to try and secure the cash flow and the value of their portfolio as much as possible" Chaney says People assume they need to shift a big chunk of their portfolio to lower-yielding investments to safeguard it but they forget about the flip side of investing risk: the creep of inflation "You need an adequate amount in growth assets to be able to protect the purchasing power of your retirement assets against the corrosive effect of inflation" Chaney says Skipping long-term care insurance Paying out of pocket for long-term care can drain your nest egg Living in a nursing home costs more than $80000 a year on average Even assisted living or other forms of support can cost several thousand dollars a month When it comes to buying long-term care insurance "The sweet spot where you get the highest benefit for premiums paid is 53 or 54 years old" Arzaga says If youre in pre-retirement and above that age it doesnt mean youve missed the boat entirely but it does mean you have a dwindling window of time to get an affordable policy "Pre-retirement the cost of insurance to cover that risk is a lot less expensive" he says Not planning for a post-career life "A lot of people dont really think though how theyre going to occupy their time" says Joseph Heider president of Cirrus Wealth Management "Its a profound new stage of your life and you want to make sure youre ready for the change” Consider what activities or hobbies youd like to pursue and explore social groups and volunteer opportunities If youre thinking about moving especially to a vacation locale visit when the tourists have departed for the season Contact us at editors@timecomFor the politicians speaking at the Conservative Political Action Conference near Washington this week it’s usually pretty easy to give the grassroots audience the red meat it craves Abortion Against it Taxes Lower them Obama Don’t like him But one hot-button issue was trickier than usual for some of the politicians especially the governors who are likely to run for president in 2016: Common Core With one notable exception the speakers at CPAC were against the state education standards saying they hurt local control of education and took the power from parents and teachers On Thursday Louisiana Gov Bobby Jindal demanded the immediate repeal of Common Core That same day Ben Carson the neurosurgeon-cum-presidential hopeful slammed it for eliminating parental choice while Florida Sen Marco Rubio and Texas Sen Ted Cruz questioned the conservative credentials of anyone who doesn’t actively attempt to dismantle the program “If a candidate says they oppose Common Core fantastic” said Cruz “[But] when have they stood up and fought against it” Meanwhile New Jersey Gov Chris Christie and Wisconsin Gov Scott Walker took turns condemning Common Core for being poorly implemented and impinging on state control That was all well and goodanti-Common Core lines tend to earn hoots and applause from the grassrootsbut whenever the questioning on Common Core probed ever so slightly deeper everyone seemed to cringe That’s because just three years ago the majority of Republican politiciansincluding Govs Walker Jindal Christie and Jeb Bushnot only supported the implementation of Common Core they outright championed it In early 2011 40 states including nearly all Republican-led ones voluntarily signed on to the shared standards In the next two years five more followed suit In 2011 Walker included Common Core in his first state budget explicitly instructing the state education chief to come up with a Common Core-aligned state test for Wisconsin kids In 2012 Jindal told a crowd of business leaders that Common Core “will raise expectations for every child” In 2013 Christie told a crowd of educators that he was sticking with Common Core regardless of the “knee-jerk reaction that is happening in Washington” among Republicans who will simply disagree with anything President Obama supports “We are doing Common Core in New Jersey and we’re going to continue” he said boldly But as the politics around the issue have shifted driven largely by a grassroots base of Tea Party conservatives all of them have tip-toed backwards either distancing themselves or outright condemning the standards All of them that is except Jeb Bush The former Florida governor has in the past two years earned the ire of the conservative base by not only refusing to condemn Common Core but by continuing to support it That’s awkward Some at CPAC responded to this rift by ignoring it entirely In a panel about Common Core on Thursdayentitled “Common Core: Rotten To The Core”a group of vehemently anti-Common Core educators simply avoided saying Bush’s name “Entire Common Core panel at CPAC happened without mentioning the words ‘Jeb’ and ‘Bush’” tweeted Igor Bobic a politics editor at the Huffington Post Behind the Scenes of CPAC Peter Dudziak of John Minnesota attends CPAC in National Harbor Md on Feb 27 2014 Mark Peterson—Redux for TIME Nine year old Thomas H from Virginia at his first CPAC in National Harbor Md on Feb 27 2015 Mark Peterson—Redux for TIME Sarah Palin at the 42nd annual Conservative Political Action Conference (CPAC) at National Harbor MD on Feb 26 2015 Mark Peterson—Redux for TIME Dr Ben Carson gives a speech to open Thursday’s session at CPAC in National Harbor Md. “It’s the first demonstration that this concept of really controlling biomaterials’ properties in space and time by light can be made to work in vivo." Sasnovich said after closing out the win with consecutive aces,com. ?? Fallon did a convincing impersonation of Slick Rick’s yawn rhymes in "La Di Da Di" and went all out for "Straight Outta Compton" by N.