Garage Doors Kent is the place to go when you are looking for a high-quality door for your garage. The doors come in an extensive range of styles, so you can find one to suit your garage no matter what style you have. We have a team on hand ready to answer your questions, and they will be more than happy to help you find the door you need, so get in touch today to find your perfect Kent garage door.
Sunday, 30 April 2017
Addict Thomas Hammell found dead in Canterbury public toilet had tried to get help
from KentOnline News http://www.kentonline.co.uk/canterbury/news/addict-lost-battle-against-demons-124775/
Homeless Bernard Prebble spat at Sainsbury's security guard after challenge over Carte D'Or ice cream
from KentOnline News http://www.kentonline.co.uk/maidstone/news/homeless-man-hurled-racist-abuse-124776/
Carl Quinnell jailed after attacking angler Darryl Manners
from KentOnline News http://www.kentonline.co.uk/maidstone/news/thug-attacked-angler-he-accused-124782/
Flat fire in James Whatman Way, Maidstone
from KentOnline News http://www.kentonline.co.uk/maidstone/news/man-rescued-from-burning-flat-124883/
Trailer and 4x4 flip over on London-bound A2 between Bridge and Canterbury
from KentOnline News http://www.kentonline.co.uk/canterbury/news/familys-terror-as-car-flips-124878/
Pauline Kingston, 73, stops boys of 13 to 14 throwing sticks from Edinburgh Road car park roof, Ashford
from KentOnline News http://www.kentonline.co.uk/ashford/news/yobs-ran-like-scared-rabbits-124877/
Fears of possible knifeman lead to police being called to Marine Drive in Margate
from KentOnline News http://www.kentonline.co.uk/thanet/news/knifeman-scare-124875/
Crash closes A257 St Martin's Hill in Canterbury
from KentOnline News http://www.kentonline.co.uk/canterbury/news/road-blocked-after-crash-124876/
Former Gravesham mayor to contest Slough seat at general election
from KentOnline News http://www.kentonline.co.uk/gravesend/news/former-mayor-to-contest-seat-124874/
Police called to Lonsdale Gardens, Tunbridge Wells, following medical incident
from KentOnline News http://www.kentonline.co.uk/tunbridge-wells/news/emergency-services-called-124873/
Lib Dem Election stake boards vandalised in Faversham
from KentOnline News http://www.kentonline.co.uk/faversham/news/police-investigate-political-intimidation-124870/
Thatched roof fire at Leaveland near Faversham, firefighters use breathing apparatus
from KentOnline News http://www.kentonline.co.uk/faversham/news/breaking-first-reports-of-fire-124871/
Re-selection of Conservative Craig Mackinlay to fight for South Thanet in June 8 general election
from KentOnline News http://www.kentonline.co.uk/thanet/news/craig-mackinlay-re-selected-for-south-124867/
ME sufferer Jessica Taylor marries Samuel Bearman at St Philip and St James Church, Upnor
from KentOnline News http://www.kentonline.co.uk/medway/news/tears-and-gasps-as-jessica-124869/
Almost 100 homes hit by power cut on Hoo Peninsula
from KentOnline News http://www.kentonline.co.uk/medway/news/homes-without-power-for-13-124865/
Murderer of Lauren Patterson from West Malling faces death penalty
from KentOnline News http://www.kentonline.co.uk/malling/news/u-turn-in-murder-case-124864/
Travellers pitch up on land in Castle Way, Leybourne
from KentOnline News http://www.kentonline.co.uk/malling/news/travellers-pitch-up-124861/
Woodland blaze near Tin Shop Hill, Faversham, fire crews there for two hours
from KentOnline News http://www.kentonline.co.uk/faversham/news/fire-crews-tackle-woodland-blaze-124860/
Funeral of popular Gillingham postman Stephen 'Arnie' Arnold held in Chatham
from KentOnline News http://www.kentonline.co.uk/medway/news/fitting-send-off-for-popular-124862/
Medway: Two people injured after car crashes into house and parked cars in Rainham
from KentOnline News http://www.kentonline.co.uk/medway/news/two-people-injured-after-car-124859/
Deer on the railway track at Maidstone
from KentOnline News http://www.kentonline.co.uk/maidstone/news/trains-delayed-by-deer-124854/
Saturday, 29 April 2017
Troy Philpott of Hersden dies week after cancer diagnosis
from KentOnline News http://www.kentonline.co.uk/canterbury/news/rugby-loving-teen-dies-week-after-124795/
Rough sleepers set up camp next to motorway in Willesborough
from KentOnline News http://www.kentonline.co.uk/ashford/news/rough-sleepers-set-up-camp-124799/
Image of car and motorbike in apparent crash scene, believed to be A2 Canterbury Road, Faversham
from KentOnline News http://www.kentonline.co.uk/faversham/news/road-accident---first-details-124848/
Strood: Woman flees house fire
from KentOnline News http://www.kentonline.co.uk/medway/news/woman-flees-house-fire-124846/
Oops! Kent Police car covered in white powder
from KentOnline News http://www.kentonline.co.uk/kent/news/its-a-whitewash-124843/
Child hurt in Shurlock Avenue, Swanley
from KentOnline News http://www.kentonline.co.uk/dartford/news/child-hurt-in-street-124841/
Friday, 28 April 2017
Crash death dad Lee Boulter was five times the drink-drive limit
from KentOnline News http://www.kentonline.co.uk/herne-bay/news/tragic-crash-death-dad-was-124708/
The face of the Rochester Riverside after £400m development
from KentOnline News http://www.kentonline.co.uk/medway/news/the-face-of-a-400m-124718/
One Last Dance movie director says thanks for all your support after Game of Thrones star performs
from KentOnline News http://www.kentonline.co.uk/herne-bay/news/kent-film-stars-game-of-124727/
Crumbling Ashford police station walls could have caused death
from KentOnline News http://www.kentonline.co.uk/ashford/news/crumbling-police-station-walls-could-124739/
Maidstone: Officer cleared of ‘cherry picking’ police call outs
from KentOnline News http://www.kentonline.co.uk/maidstone/news/police-officer-cleared-of-cherry-picking-call-outs-124814/
Rory Donnelly has been suspended by Gillingham
from KentOnline News http://www.kentonline.co.uk/medway/sport/gills-suspend-striker-124823/
Station Road, Longfield, closed after two-car crash
from KentOnline News http://www.kentonline.co.uk/gravesend/news/two-injured-after-car-ends-124825/
Pedestrian hit by car in King Street, Ramsgate
from KentOnline News http://www.kentonline.co.uk/thanet/news/air-ambulance-called-to-woman-124820/
Police investigate assault at house in Cobham Rise, Gillingham
from KentOnline News http://www.kentonline.co.uk/medway/news/image-released-following-assault-124821/
Man refused medical help at Sittingbourne
from KentOnline News http://www.kentonline.co.uk/sittingbourne/news/incident-at-train-station-124816/
Adjustable-Rate Mortgage vs. a Fixed-Rate
If you’re in the market for a home loan, you may be wondering about the difference between an adjustable-rate mortgage (ARM) and a fixed-rate mortgage.
In an ARM, the interest rate adjusts periodically, depending on the direction of interest rates. ARM interest rates are typically low for the initial period. After that, they go up or down, depending on the direction of rates. When you see information about an ARM, you will see the initial period first, followed by how often it can adjust after that. So when you see 3/1 or 5/1, you are being told that the initial interest rate will last for three years or five years, respectively, and can reset every year after that.
ARMs usually carry a cap beyond which the interest rates can’t rise.
A fixed-rate mortgage, on the other hand, always carries a fixed interest rate. If you sign the mortgage paperwork with a fixed rate of 4 percent, you will be paying 4 percent for the entire life of the loan.
Interest rates are important because they are a factor in how much a mortgage payment costs. The lower the interest rate, the lower your monthly cost.
Both ARM and fixed-rate mortgages have a standard loan term of 30 years.
Home mortgage borrowers should know that there are pros and cons to each kind of loan. Many of them depend on your circumstances.
Adjustable-Rate Mortgages
If you’re not sure about an ARM, here are a few scenarios to consider as you make your decision.
Pros
- If you plan to be in a home five years or less, ARMs can be your friend. Why? Because most ARMs come with an initial period of low interest rates. They don’t start rising for three, five or seven years. This means you will be paying a low interest rate as long as you are in the home.
- Your payment can fall if interest rates decline. In the 2008-2015 period, for example, interest rates trended pretty steadily downward. Holders of ARMs in that period didn’t need to do anything to make their payments fall — they did so automatically.
- If you will be in a home a short time and have an initial low interest rate ARM, you can save the money you would otherwise have spent on a fixed-interest rate mortgage with a higher rate.
Cons
- ARMs can end up costing you when interest rates rise. We are in a period of rising rates now. If you planned to move after five years and your plans change, you may receive a rude shock when the interest rate resets and suddenly you’re paying more. Homeowners interested in ARMs should make sure their budget could withstand the rise to the lifetime cap. Otherwise, they may end up with a mortgage they can’t pay.
- Depending on the ARM terms, the climb in rates can be sudden. If there is a lifetime cap of 6 percent, for example, it doesn’t necessarily take place over the course of a lifetime. It can rise 6 percent in one year. So that low introductory rate of 3 percent in 2017 can become 9 percent in 2022. That’s a considerable rise in the monthly budget.
- ARMs are complicated to understand. The loan will be full of terms like lifetime cap, margins, initial rates and so on. They are more complicated than fixed-rate mortgages.
Fixed-Rate Mortgages
With a fixed rate mortgage, you’ll have more predictability — but you could be locked into a rate higher than the going market rates:
Pros
- If you get a fixed-rate mortgage, your mortgage rate is constant. There are no rude shocks ever, no matter what interest rates do. They can rise to 18 percent — which is historically extremely high — and you’d still be sitting pretty. Fixed-rate loans are best for people seeking financial stability and planning to stay in their home more than seven years.
- Because you pay a fixed amount, you will be able to plan monthly budgets much more effectively. ARMs rely on how much interest rates rise or fall, which is difficult, if not impossible, to predict. Your mortgage budget will always be predictable with a fixed rate.
- If you lock in a fixed-rate mortgage when mortgage rates are low, your housing payments will be very low as long as you live in the home. This protects you from housing payment fluctuation. Unlike renters or ARM holders, no one can raise your mortgage.
Cons
- The drawback to fixed-rate loans is that they aren’t flexible. There is no introductory rate that allows new home owners to pay less the first three or five years.
- If you buy a home in a period of falling rates, your fixed-rate loan might become a relatively high interest-rate loan, given the environment. While they can be refinanced, it is expensive to do so. Many lenders charge points and fees to refinance.
- Some fixed-rate mortgages can’t be paid off quicker than the term, or can only be paid off with a penalty. Be sure to read the fine print to make sure that there is no penalty for pre-payment.
Choosing between an ARM and a fixed-rate home loan can be daunting. The best choice depends on your circumstances. Be sure to consider the pros and cons carefully.
The post Adjustable-Rate Mortgage vs. a Fixed-Rate appeared first on Homey Improvements.
from Homey Improvements http://homeyimprovements.com/adjustable-rate-mortgage-vs-fixed-rate/
Cerebral Palsy sufferer, Patrick Barden, 24, from Shorne, set to cross finish line
from KentOnline News http://www.kentonline.co.uk/medway/news/marathon-man-set-to-cross-124810/
Maidstone man charged after police chase
from KentOnline News http://www.kentonline.co.uk/maidstone/news/man-charged-after-police-chase-124811/
Woman suffers burns to her face after a man breaks into her home and demands money
from KentOnline News http://www.kentonline.co.uk/canterbury/news/burglar-throws-noxious-liquid-in-124813/
Chatham family hope to make amazing memories for dad, Paul Gray, after his cancer returns
from KentOnline News http://www.kentonline.co.uk/medway/news/fundraising-drive-for-dad-124796/
Schoolchildren evacuated from Stour Centre, Ashford after 'serious threat'
from KentOnline News http://www.kentonline.co.uk/ashford/news/leisure-centre-evacuated-following-serious-124797/
Sam Armstrong denies rape at Palace of Westminster
from KentOnline News http://www.kentonline.co.uk/thanet/news/mps-aide-denies-raping-woman-124791/
Richard Fooks, 27, of Tower Hill, Dover, made to pay £880 to a court for dog mess in his garden
from KentOnline News http://www.kentonline.co.uk/dover/news/mans-880-court-bill-over-124789/
Headcorn couple astonished to see tawny owl glaring at them from inside their wood burner
from KentOnline News http://www.kentonline.co.uk/weald/news/owl-rescued-from-wood-burner-124785/
KCRH fined after worker Joan Daws became traped in lift in Laleham Care Home
from KentOnline News http://www.kentonline.co.uk/herne-bay/news/firm-fined-60k-after-workers-124784/
Iliffe Media Ltd agrees deal for KM Media Group
from KentOnline News http://www.kentonline.co.uk/kent/news/new-owner-for-kentonline-124781/
Thursday, 27 April 2017
Arrest in Kent after woman shot in London in police anti-terror raid
from KentOnline News http://www.kentonline.co.uk/kent/news/woman-shot-and-arrests-made-124774/
Win £1,000 with Thousand Pound Friday on kmfm
from KentOnline News http://www.kentonline.co.uk/kent/news/fancy-a-grand-in-time-123224/
Folkestone earthquake 10 year anniversary today
from KentOnline News http://www.kentonline.co.uk/folkestone/news/remembering-day-that-rocked-our-124738/
Tunbridge Wells: The Fox Project nursing rescued fox cub
from KentOnline News http://www.kentonline.co.uk/tunbridge-wells/news/fox-cub-nursed-back-to-124753/
Company fined £100,000 after death of Daniel Yeowell from Gillingham
from KentOnline News http://www.kentonline.co.uk/medway/news/firm-pays-100000-after-workers-124767/
What Waits in the Red shot by Medway company Tycho Pictures
from KentOnline News http://www.kentonline.co.uk/medway/news/film-produced-on-shoestring-goes-124772/
Car on fire in Pilgrims Way, Detling
from KentOnline News http://www.kentonline.co.uk/maidstone/news/car-goes-up-in-flames-124771/
Two-car crash in A289 Pier Road, Chatham
from KentOnline News http://www.kentonline.co.uk/medway/news/two-car-crash-in-pier-road-124770/
Two-car crash closes A20 Ashford Road at Maidstone
from KentOnline News http://www.kentonline.co.uk/maidstone/news/delays-reported-following-two-car-crash-124768/
Medway Maritime Hospital drops objection to charity cafe
from KentOnline News http://www.kentonline.co.uk/medway/news/outcry-prompts-charity-cafe-u-turn-124749/
Police making enquiries into death of Dartford mum Sian Hollands after inquest slams Darent Valley Hospital treatment
from KentOnline News http://www.kentonline.co.uk/dartford/news/police-investigate-young-mums-death-124760/
Police helicopter deployed in hunt for wanted man in Maidstone
from KentOnline News http://www.kentonline.co.uk/maidstone/news/police-helicopter-deployed-in-hunt-124755/
High Sheriff of Kent George Jessel backs rural affairs programme as he takes up role
from KentOnline News http://www.kentonline.co.uk/kent/news/high-sheriff-visits-the-km-124734/
Family and friends gather to honour life of chef David Thorman, killed in crash
from KentOnline News http://www.kentonline.co.uk/whitstable/news/the-day-our-world-changed-124730/
A teenager has caught dramtic footage of car being torched in Haymen Street, Chatham
from KentOnline News http://www.kentonline.co.uk/medway/news/arson-attack-caught-on-camera-124733/
Two boys charged with shoplifting after £1,000 perfume theft at Bluewater
from KentOnline News http://www.kentonline.co.uk/gravesend/news/teens-charged-with-perfume-theft-124732/
Judge invites public to Maidstone Crown Court open day
from KentOnline News http://www.kentonline.co.uk/maidstone/news/court-opens-its-doors-for-124728/
Paedophile Shaun Sharp, formerly of Lydd, subjected children to horrific sex abuse
from KentOnline News http://www.kentonline.co.uk/romney-marsh/news/smirking-paedophile-jailed-for-life-124726/
Wincheap burglary leaves woman with facial injuries
from KentOnline News http://www.kentonline.co.uk/canterbury/news/search-for-intruder-underway-after-124724/
Traffic lights out again on junction 10 on M20 in Ashford
from KentOnline News http://www.kentonline.co.uk/ashford/news/traffic-light-drama-strikes-again-124719/
Anger at plan to develop Rochester prison
from KentOnline News http://www.kentonline.co.uk/kent/news/campaigners-to-fight-prison-expansion-124702/
Whitstable Harbour: Plans for new restaurant and bar in former engine room on South Quay revealed
from KentOnline News http://www.kentonline.co.uk/whitstable/news/striking-harbour-restuarant-plan-revealed-124717/
Police and ambulance at crash on the Thanet Way between Whitstable and Faversham
from KentOnline News http://www.kentonline.co.uk/canterbury/news/rush-hour-crash-causing-delays-124706/
Wednesday, 26 April 2017
Classic Ford Granada stolen from Minster, Sheppey
from KentOnline News http://www.kentonline.co.uk/sheerness/news/can-you-help-find-this-124698/
Canterbury: Peter Price in court for knocking down girl in Wingham High Street
from KentOnline News http://www.kentonline.co.uk/canterbury/news/child-hit-by-car-thrown-124612/
The Future List of companies changing the way live and work in Kent, revealed
from KentOnline News http://www.kentonline.co.uk/kent-business/county-news/the-future-list-kent-revealed-124668/
New Kent Police unit to crack down on cyber crime
from KentOnline News http://www.kentonline.co.uk/kent/news/new-unit-set-up-to-124682/
Thanet council planning to sell off eight sites
from KentOnline News http://www.kentonline.co.uk/thanet/news/cash-strapped-council-to-sell-assets-124696/
Gillingham: Dee Uzoka does parkrun at at Great Lines before wedding
from KentOnline News http://www.kentonline.co.uk/medway/news/brides-unique-wedding-warm-up-124701/
Kitchen fire in Broadway, Gillingham
from KentOnline News http://www.kentonline.co.uk/medway/news/crews-battle-kitchen-fire-124700/
Canterbury actor Orlando Bloom in Radio One "pikey" row
from KentOnline News http://www.kentonline.co.uk/canterbury/news/orlando-bloom-in-hot-water-124699/
Police arrest suspects again after dog attack in Jenkins Dale, Chatham
from KentOnline News http://www.kentonline.co.uk/medway/news/dog-attack-suspects-arrested-again-124697/
Swinton Insurance, which has six branches in Kent, to cut 900 jobs and earmarks 84 sites for closure
from KentOnline News http://www.kentonline.co.uk/kent-business/county-news/kent-swinton-cut-900-jobs-124694/
Kent teenager arrested after London man Jordan Wright was thought to have been murdered
from KentOnline News http://www.kentonline.co.uk/kent/news/kent-man-arrested-in-murder-124667/
Claire Saywell from Sittingbourne is suing TUI after a palm tree fell and broke both of her legs in Sri Lanka
from KentOnline News http://www.kentonline.co.uk/sittingbourne/news/my-husband-says-he-can-124671/
Fridge fire in Trinity Road, Sheerness
from KentOnline News http://www.kentonline.co.uk/sheerness/news/fire-fighters-called-to-fridge-fire-124663/
Crown Prosecution Service handed file covering police investigation of Conservative expenses in South Thanet in 2015
from KentOnline News http://www.kentonline.co.uk/thanet/news/tory-expenses-case-passed-to-124662/
Parking warden 'did not see' man slumped over wheel of car in Folkestone when issuing ticket
from KentOnline News http://www.kentonline.co.uk/folkestone/news/council-defends-wardens-actions-124655/
Timothy Ryton jailed after making and sharing child porn in Kent
from KentOnline News http://www.kentonline.co.uk/folkestone/news/police-inspector-jailed-after-making-124658/
Inquest into death of Daniel Adewole at Cookham Wood YOI finds he died of natural causes
from KentOnline News http://www.kentonline.co.uk/medway/news/young-inmate-died-of-natural-124652/
Michael Johnson who ran over traffic warden also guilty of manslaughter of Trevor Hadlow
from KentOnline News http://www.kentonline.co.uk/sheerness/news/driver-who-knocked-over-warden-124656/
Roger Brown found dead in woodland before trial on historic sex charges
from KentOnline News http://www.kentonline.co.uk/dover/news/man-accused-of-rape-found-124626/
Agency nurse Sancho De Leon struck off over sexual assault on man
from KentOnline News http://www.kentonline.co.uk/maidstone/news/disgraced-nurse-struck-off-124642/
Lucy King: Jury out in case of mother whose daughter died after drinking heroin substitute
from KentOnline News http://www.kentonline.co.uk/dover/news/jury-out-in-trial-of-124638/
Higham: British Transport Police called to railway station twice
from KentOnline News http://www.kentonline.co.uk/gravesend/news/two-999-call-outs-in-12-124633/
Andrew Barrs from Broadstairs has London Marathon medal returned after the car it was in was stolen in Gillingham
from KentOnline News http://www.kentonline.co.uk/medway/news/stolen-marathon-medal-found-in-124625/
Police investigating late night assault in Queen Street, Ramsgate
from KentOnline News http://www.kentonline.co.uk/thanet/news/man-battered-in-town-centre-124622/
Driver Andrew Mitchell had five lagers the night before serious crash
from KentOnline News http://www.kentonline.co.uk/ashford/news/driver-crashed-hours-after-downing-124620/
Fire crews called out to Shipbourne Road, Tonbridge, to deal with two sheds alight
from KentOnline News http://www.kentonline.co.uk/tonbridge/news/man-suffers-burns-in-double-124619/
Tuesday, 25 April 2017
Labour in quest to find new candidates in at least half of Kent seats for 2017 general election
from KentOnline News http://www.kentonline.co.uk/medway/news/several-labour-candidates-not-standing-124613/
Dutch ship the Rooswijk to be excavated off the coast of Deal
from KentOnline News http://www.kentonline.co.uk/deal/news/shipwreck-from-1740-discovered-124575/
Fundraising campaign helps keep Birchington girl Helena Russell alive
from KentOnline News http://www.kentonline.co.uk/thanet/news/sick-girl-defying-the-odds-124580/
New Ash Green: Family of Louise Kerton prepare for 16th anniversary of her disappearance
from KentOnline News http://www.kentonline.co.uk/gravesend/news/dads-heartache-over-missing-daugher-124597/
Bonfire blaze in Aylesham
from KentOnline News http://www.kentonline.co.uk/dover/news/firefighters-tackle-out-of-control-bonfire-124611/
Court results: The latest cases in front of Kent's magistrates
from KentOnline News http://www.kentonline.co.uk/kent/news/latest-court-results-124584/
Ashford Pest Control attend bees swarm at Barming, Maidstone
from KentOnline News http://www.kentonline.co.uk/ashford/news/video-leave-them-bee-124606/
Traffic lights cause traffic queues on M20 at Ashford
from KentOnline News http://www.kentonline.co.uk/ashford/news/traffic-lights-cause-motorway-delays-124607/
Car crash at Brielle Way, Blue Town
from KentOnline News http://www.kentonline.co.uk/sheerness/sport/three-car-crash-closes-road-124603/
Crash on A20 at Lenham involving motorcyclist
from KentOnline News http://www.kentonline.co.uk/maidstone/news/crash-involving-motorcyclist-124602/
Two shot and three arrested after shots fired in Hill Rise, Darenth
from KentOnline News http://www.kentonline.co.uk/dartford/news/two-shot-and-three-arrested-124590/
Towergate to make redundancies at headquarters in Eclipse Park, Maidstone
from KentOnline News http://www.kentonline.co.uk/kent-business/county-news/towergate-redundancies-maidstone-124589/
Irving and Cate Benjamin of Deal High Street meet daughter Frankie Gonsalvies after shark attakc
from KentOnline News http://www.kentonline.co.uk/deal/news/shark-maul-survivors-kent-family-124581/
Robbery at McColl's Stanhope Court, Ashford
from KentOnline News http://www.kentonline.co.uk/ashford/news/police-arrest-robbery-suspect-124586/
David Drury 'run over' by Michael Johnson in bid to avoid parking ticket, court hears
from KentOnline News http://www.kentonline.co.uk/sheerness/news/video-traffic-warden-run-down-124577/
Former priest Philip Clements marries male model partner Florin Marin
from KentOnline News http://www.kentonline.co.uk/deal/news/model-marries-priest-three-times-124574/
Four charged with attempted murder after Perry Mulholland was attacked near High Street, Chatham
from KentOnline News http://www.kentonline.co.uk/medway/news/four-charged-with-attempted-murder-124570/
Overturned van causes delays at Brenley Corner A2 Canterbury Road
from KentOnline News http://www.kentonline.co.uk/canterbury/news/overturned-van-shuts-road-124568/
Witnesses needed after man suffers facial injuries in assault at flat in London Road, Dover
from KentOnline News http://www.kentonline.co.uk/dover/news/witness-appeal-after-serious-assault-124565/
Travellers move onto field next to Riverside Country Park, Lower Rainham Road, Rainham
from KentOnline News http://www.kentonline.co.uk/medway/news/travellers-move-onto-country-park-124564/
Couple Joyce and Frank Dodd die on same day after Darent Valley Hospital staff put beds together
from KentOnline News http://www.kentonline.co.uk/gravesend/news/couple-married-for-77-years-124562/
Gig For Life by Cancer Research UK at the Hop Farm Family Park, Paddock Wood, has been cancelled
from KentOnline News http://www.kentonline.co.uk/whats-on/news/hop-farm-gig-for-life-charity-music-event-cancelled-124559/
Bunnings Warehouse chain to replace former B&Q site in Folkestone
from KentOnline News http://www.kentonline.co.uk/folkestone/news/derelict-retail-premises-to-house-124557/
Police hunt after crash in City Way, Rochester
from KentOnline News http://www.kentonline.co.uk/medway/news/police-hunt-after-crash-124558/
Police arrest two men from anti-paedophile vigilante gang
from KentOnline News http://www.kentonline.co.uk/maidstone/news/police-arrest-two-members-of-124553/
Monday, 24 April 2017
A20 partly blocked after crash at Foots Cray
from KentOnline News http://www.kentonline.co.uk/dartford/news/traffic-stationary-after-pile-up-124550/
Former Eastry clergyman Philip Clements to wed male model, 24
from KentOnline News http://www.kentonline.co.uk/sandwich/news/model-to-marry-priest-three-124387/
Alfie Armstrong dies of kidney disease days after donors stepped forward for transplant
from KentOnline News http://www.kentonline.co.uk/medway/news/alfie-is-at-peace-now-124498/
Gravesend GP Dr Manpinder Sahota gives obesity warning
from KentOnline News http://www.kentonline.co.uk/dartford/news/are-you-killing-your-kids-124516/
Big rise in use of food banks in Kent
from KentOnline News http://www.kentonline.co.uk/kent/news/17600-need-emergency-food-supplies-124540/
Dartford: Gunshots heard in Hill Rise, Darenth
from KentOnline News http://www.kentonline.co.uk/dartford/news/gunshots-heard-in-residential-street-124544/
Whitstable woman and Canterbury man charged with Faversham burglary.
from KentOnline News http://www.kentonline.co.uk/faversham/news/police-arrest-man-and-woman-124539/
Police called to Folkestone West train station
from KentOnline News http://www.kentonline.co.uk/folkestone/news/police-called-to-man-trespassing-124538/
Delays on M2 at J5 Sittingbourne and on the A249 as police clear crashes
from KentOnline News http://www.kentonline.co.uk/sittingbourne/news/triple-delays-as-cars-spin-124536/
Kent drivers in line for bigger fines if caught speeding
from KentOnline News http://www.kentonline.co.uk/kent/news/sharp-shock-for-dangerous-speeders-124491/
Rape detectives issue CCTV after woman attacked in Great Lines Heritage Park, in Gillingham
from KentOnline News http://www.kentonline.co.uk/medway/news/police-issue-cctv-in-rape-124528/
Ashraf Miah jailed for attempted rape of woman in Thanet
from KentOnline News http://www.kentonline.co.uk/thanet/news/teenage-girl-records-sex-attack-124531/
Delays expected as crash closes A291 at Herne Common
from KentOnline News http://www.kentonline.co.uk/canterbury/news/big-crash-closes-road-124533/
How to Save for Retirement When You’re Self-Employed
We quit working our day jobs several years ago to pursue the dream of writing and working on this blog full-time — however, we also do several other freelance contract jobs, such as writing for companies, freelance construction work and more.
Most employers offer a contribution match to their 401(k) plan to help employees plan for retirement, and that is what most people rely on for their financial future.
But what do we self-employed freelancers do to prepare for those golden years? Are there any retirement options for the self-employed that will grow our savings to the amount needed for a comfortable retirement?
There are several options available for how to save when you’re self-employed, including both conventional and nonconventional ways.
Retirement Plans for the Self-Employed
Though many people are unaware of this, the Internal Revenue Service (IRS) states that self-employed freelancers actually have many of the same retirement options as employees.
- The Simplified Employee Pension (SEP) plan allows you to contribute up to 25 percent of your net earnings, not including the contributions for yourself, and the funds are tax-deductible.
- The 401(k) Plan is available for self-employed freelancers as an individual plan. You can contribute up to $18,000 annually, plus an additional $6,000 each year if you are age 50 or over. These deferrals can be either pre-tax or as Roth contributions.
- Savings Incentive Match Plan for Employees, also known as the SIMPLE IRA Plan, is available to small business owners with employees. You can contribute up to $12,500 annually. If you’re age 50 or older, you can add $3,000 in contributions per year. This plan also allows you to contribute a 3 percent matching contribution or 2 percent fixed contribution.
- The SIMPLE IRA Plan for the Sole Proprietor treats you as the employer and the employee when you file a Schedule C form. The plan allows you to defer up to $12,500 and an additional $3,000 if you are age 50 or older. However, you cannot exceed your net earnings from your business sponsoring the plan.
- Traditional or Roth IRA allows you to roll over your 401(k) funds from your previous day job to save for retirement. You can contribute up to $5,500 and an additional $1,000 if you are age 50 or older. These IRAs offer tax advantages, including a tax deduction on traditional IRAs and tax-free withdrawals during retirement on Roth IRAs.
The best retirement option for self-employed people is based on whether or not your business has employees – however, both the SEP and the individual 401(k) plans allow your earnings to grow tax-deferred until you are ready to withdraw the funds. Speak to a financial advisor or tax consultant before making contributions to ensure you are going to meet your financial goals.
Unconventional Income Streams for Retirement
Financial retirement accounts are not the only way to increase your self-employed retirement savings. There are other options available, including the one we are using to build a passive income stream to last a lifetime – blogging.
- Blogging allows us to reach a wider audience and share our knowledge and expertise. As we are building our site and our subscriber list, companies pay us to run their ads and/or include affiliate links for products we use and trust. When it comes to increasing our income and learning how to save for retirement when self-employed, blogging has proven to be a lucrative plan for us.
- Network marketing and direct selling through a legitimate company can result in earned income as well as passive income. Most companies offer a compensation plan for not only selling products, but for recruiting others to distribute the merchandise. The network marketing model promotes entrepreneurship and usually includes free training from the direct selling company.
- Renting houses or apartments is an option that will provide a monthly income from paying tenants. Depending on the location, a rental property can garner you an extra $200 to $1,000 or more each month. Renting property also has its tax advantages, and you can increase the monthly rent over time, or after major repairs or additions.
- Accruing real estate takes the above option one step further. Not only can you purchase and rent out houses and apartment buildings, but you can rent out commercial real estate buildings to businesses that will provide you with an additional income stream. You can buy shares in a real estate investment trust or have direct ownership of the property. You will want to consult an investment advisor for the best option for you and your financial retirement goals.
Consider combining a couple of the retirement plans listed above with one or two of the unconventional income additions that fit into your schedule to help you save for retirement while self-employed. You can still retire with a plan in place without going back to your old day job — just keep an open mind and be willing to hustle to make it happen.
The post How to Save for Retirement When You’re Self-Employed appeared first on Homey Improvements.
from Homey Improvements http://homeyimprovements.com/save-retirement-youre-self-employed/
M20: Traffic held after crash between Junction 7 for Detling and 8 for Leeds
from KentOnline News http://www.kentonline.co.uk/maidstone/news/traffic-held-after-motorway-crash-124527/
Police appeal after man in his seventies assaulted during burglary in Phoenix Place, Dartford
from KentOnline News http://www.kentonline.co.uk/dartford/news/elderly-man-assaulted-during-burglary-124526/
Voters back Folkestone Academy's decision to ban Megan McKnight for having tongue piercing
from KentOnline News http://www.kentonline.co.uk/folkestone/news/head-defended-after-pupil-banned-124523/
Ashford One Stop robbery suspect charged
from KentOnline News http://www.kentonline.co.uk/ashford/news/masked-robbery-suspect-charged-124524/
Man hospitalised after assault behind pub in Wickhambreaux near Canterbury
from KentOnline News http://www.kentonline.co.uk/canterbury/news/police-appeal-for-witness-to-124522/
Edenbridge home raided as puppies and mum stolen
from KentOnline News http://www.kentonline.co.uk/malling/news/puppies-and-mother-stolen-from-124521/
Thief steals purse from pensioner's shopping trolley in Iceland, Dartford
from KentOnline News http://www.kentonline.co.uk/dartford/news/thief-steals-purse-from-pensioners-124514/
Heart of Kent Hospice staff put out chapel fire
from KentOnline News http://www.kentonline.co.uk/maidstone/news/hospice-staff-put-out-chapel-124511/
Inquest into death of Daniel Adewole at Cookham Wood Young Offenders Institute
from KentOnline News http://www.kentonline.co.uk/medway/news/inquest-opens-into-teen-who-124510/
Endangered birds and eggs stolen during Hadlow College break in
from KentOnline News http://www.kentonline.co.uk/malling/news/endangered-birds-and-eggs-stolen-124508/
Teenager suffered facal injuries following alleged fairground assault in Hythe
from KentOnline News http://www.kentonline.co.uk/hythe/news/arrests-after-fairground-assault-124507/
Folkestone Academy pupil Megan McKnight banned from lessons due to tongue piercing
from KentOnline News http://www.kentonline.co.uk/folkestone/news/tongue-piercing-school-ban-for-124504/
Woman hit by train in Margate dies from injuries
from KentOnline News http://www.kentonline.co.uk/thanet/news/woman-hit-by-train-dies-124505/
Police called to Ashford Rugby Club following sighting of suspected criminal
from KentOnline News http://www.kentonline.co.uk/ashford/news/police-descend-on-sports-club-124494/
Appeal after man suffers head injuries in collision in the Civic Centre car park, Strood
from KentOnline News http://www.kentonline.co.uk/medway/news/man-suffers-head-injuries-after-124492/
'Baby shark' caught by fishermen in St Mary's Bay, Romney Marsh
from KentOnline News http://www.kentonline.co.uk/romney-marsh/news/baby-shark-caughtbut-wheres-its-124484/
Car goes through fence at Langdon Cliffs
from KentOnline News http://www.kentonline.co.uk/dover/news/car-smashes-through-fence-at-124481/
Sunday, 23 April 2017
Big chill: Arctic temperatures to plunge Kent into wintry weather
from KentOnline News http://www.kentonline.co.uk/kent/news/big-chill-set-to-see-124475/
Medaille Trust calls for tougher sentence for Canterbury brothel manager Teng Gao
from KentOnline News http://www.kentonline.co.uk/canterbury/news/sex-slave-victims-let-down-124372/
Plus-size mum Emma Head, from Gillingham, bids to be crowned Miss British Beauty Curve 2017
from KentOnline News http://www.kentonline.co.uk/maidstone/news/mum-celebrates-her-curves-at-124381/
Bluewater Trapped Down South new horror experience set to open
from KentOnline News http://www.kentonline.co.uk/whats-on/news/dartford-do-you-have-the-nerve-new-horror-experience-124473/
Caravans destroyed in fire at woodland in Pluckley
from KentOnline News http://www.kentonline.co.uk/ashford/news/four-caravans-and-outbuilding-destroyed-124472/
Southeastern: Trespasser blocks lines at Bromley South
from KentOnline News http://www.kentonline.co.uk/kent/news/all-train-lines-blocked-after-124471/
Firefighters called to fire in Argos, Market Street, Dartford
from KentOnline News http://www.kentonline.co.uk/dartford/news/firefighters-tackle-blaze-in-argos-124470/
Sittingbourne: Crash near M2 junction 5 Stockbury Roundabout
from KentOnline News http://www.kentonline.co.uk/sittingbourne/news/four-car-crash-on-roundabout-124469/
Kent Police Cadets from Canterbury, Medway and Tonbridge pass out in parade in Maidstone
from KentOnline News http://www.kentonline.co.uk/maidstone/news/police-cadets-enjoy-passing-out-124467/
Man falls off bike in Clapham Hill, Whitstable
from KentOnline News http://www.kentonline.co.uk/whitstable/news/cyclist-suffers-serious-injuries-after-124465/
Debris on M20 between Ashford and Maidstone
from KentOnline News http://www.kentonline.co.uk/maidstone/news/debris-on-the-m20-124464/
Tunbridge Wells: Kitchen fire in Cambridge Street
from KentOnline News http://www.kentonline.co.uk/tunbridge-wells/news/crews-attend-kitchen-fire-124462/
Accident in Beltring on Maidstone Road between A228 and Transfesa Road Paddock Wood
from KentOnline News http://www.kentonline.co.uk/weald/news/accident-on-busy-road-124461/
Safety concerns after lorries hit Town Bridge in Yalding
from KentOnline News http://www.kentonline.co.uk/maidstone/news/safety-fears-after-lorries-repeatedly-124377/
Folkestone: Suspicious fire in Wood Avenue
from KentOnline News http://www.kentonline.co.uk/folkestone/news/house-fire-thought-to-be-124458/
Appeal after car stolen from Mead Road, Dartford
from KentOnline News http://www.kentonline.co.uk/dartford/news/baby-items-stolen-124459/
Firefighter's warning after derelict building fire in Burch Road, Northfleet
from KentOnline News http://www.kentonline.co.uk/gravesend/news/firefighters-warning-after-building-fire-124455/
Campaign diary: Farage is out, a former Labour MP defects and other tales from the Kent campaign frontline
from KentOnline News http://www.kentonline.co.uk/blogs/paul-francis/theyre-off-the-election-battle-124453/
Saturday, 22 April 2017
Model Alasdair Russell found dead before Everest climb
from KentOnline News http://www.kentonline.co.uk/tonbridge/news/teen-model-dies-in-tragic-124452/
St George's Day: 10 things you didn't know
from KentOnline News http://www.kentonline.co.uk/kent/news/st-georges-day-124246/
London Marathon: Some of Kent's selfless runners
from KentOnline News http://www.kentonline.co.uk/kent/news/runners-representing-kent-in-london-124302/
Benefit cuts cause food bank crisis
from KentOnline News http://www.kentonline.co.uk/kent/news/food-bank-crisis-after-benefit-124325/
Bosses given six months to improve troubled Hamilton's home in Upstreet
from KentOnline News http://www.kentonline.co.uk/canterbury/news/whistleblowers-expose-falling-standards-at-124378/
Key Driveway Renovation Tips to Preparing Your New Driveway Makeover
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Experiment with Different Materials
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Sealing Your Driveway
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Keeping the Concrete?
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Resurfacing Asphalt
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Choosing to Re-Pave the Driveway
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Pulling up the old pavers to make way for the new pavers.
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Evening out the ground to ensure its level for the new pavers to be placed down.
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Work out the square meterage you need to ensure you have enough pavers for the job.
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Add flowerbeds beside the driveway to help give it colour and beauty throughout the year. The flowers should be those that are able to withstand different weather changes and be exposed to the elements. They should also be low to the ground growing (unlike roses) to ensure your car won’t get damaged if they get too big and rub against the car.
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Depending on your driveway, you can also add a layer of smooth rocks or pebbles on top of the current driveway (if it’s dirt related) to give it more texture and appeal. Pebble driveways look great and are a cheaper alternative to hiring a professional.
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Repaint the driveway if it’s a little outdated or if you want to upgrade the look and don’t have the money. Many people opt to repaint the driveway to help give it a more modern look without the expense attached.
from Home My Heaven: Home Improvement Blog http://www.homemyheaven.co.uk/2017/04/key-driveway-renovation.html
Protestors take to the streets of Hythe to oppose three big proposed housing developments
from KentOnline News http://www.kentonline.co.uk/hythe/news/hundreds-join-anti-development-march-124448/
Friday, 21 April 2017
Former carnival royalty invited to reunion party in Deal
from KentOnline News http://www.kentonline.co.uk/deal/news/former-carnival-royalty-invited-to-124409/
Medway Maritime Hospital employing nurses from Philippines
from KentOnline News http://www.kentonline.co.uk/medway/news/hundreds-of-foreign-nurses-recruited-124334/
Major fly-tipping site discovered long Sturry Road in Canterbury
from KentOnline News http://www.kentonline.co.uk/canterbury/news/worst-fly-tipping-ever-seen-124337/
Margate resident Ryan Butcher jailed for downloading illegal images of children
from KentOnline News http://www.kentonline.co.uk/herne-bay/news/sex-offenders-game-of-thrones-124339/
Lembit Opik argues with traffic warden over parking ticket in Ashford
from KentOnline News http://www.kentonline.co.uk/ashford/news/ex-mp-confronts-traffic-warden-124422/
Folkestone: Air ambulance lands off Cornwallis Avenue
from KentOnline News http://www.kentonline.co.uk/folkestone/news/air-ambulance-lands-near-polo-124417/
Maidstone: Police find car dumped in Trellyn Close, Barming
from KentOnline News http://www.kentonline.co.uk/maidstone/news/police-recover-dumped-car-124424/
Maidstone: Driver stopped on M20 travelling at 96mph between junction 9 for Ashford and 8 for Leeds
from KentOnline News http://www.kentonline.co.uk/maidstone/news/driver-caught-at-96mph-124425/
Christian Judges jailed for burglaries in Sittingbourne
from KentOnline News http://www.kentonline.co.uk/sittingbourne/news/burglar-on-bicycle-raided-22-124419/
Ashford: Crash on Upper Pemberton, Kennington
from KentOnline News http://www.kentonline.co.uk/ashford/news/police-and-paramedics-called-to-124421/
Dartford: Rolling roadblock on anticlockwise M25 at junction 1B
from KentOnline News http://www.kentonline.co.uk/dartford/news/rolling-roadblock-on-m25-124414/
Staplehurst: Police appeal after shed break-ins around village
from KentOnline News http://www.kentonline.co.uk/weald/news/appeal-after-shed-break-ins-124411/
Charing: Two-car crash on A252 Faversham Road near Bowl Road
from KentOnline News http://www.kentonline.co.uk/ashford/news/two-car-crash-on-a-road-124408/
Road rage clash at Stanhope Road, Ashford
from KentOnline News http://www.kentonline.co.uk/ashford/news/appeal-after-womens-road-rage-124392/
Person hit by train at Margate station
from KentOnline News http://www.kentonline.co.uk/thanet/news/person-hit-by-train-at-124391/
Lorry crashes into traffic lights in Pavilion Road, Folkestone
from KentOnline News http://www.kentonline.co.uk/folkestone/news/lorry-damages-traffic-lights-in-124389/
Virginijus Sertvytis walks from court after being convicted of causing death of Arthur Jackson on M25
from KentOnline News http://www.kentonline.co.uk/dartford/news/lorry-driver-walks-free-after-124384/
Man arrested on suspicion of arson after spate of fires in Chatham
from KentOnline News http://www.kentonline.co.uk/medway/news/man-arrested-over-spate-of-124379/
Faversham fire: Empire menswear owner Chris Staff says blaze has devastated his business
from KentOnline News http://www.kentonline.co.uk/faversham/news/arson-blaze-has-devastated-our-124370/
Martin Tucker pleads guilty to dangerous driving after Maidstone crash
from KentOnline News http://www.kentonline.co.uk/maidstone/news/impatient-driver-almost-killed-biker-124328/
Owners of Topes in Rochester High Street hope to open The Cheese Shop a few doors away
from KentOnline News http://www.kentonline.co.uk/medway/news/next-course-is-cheese--124306/
Bonfire spreads out of control at allotment in Conyer
from KentOnline News http://www.kentonline.co.uk/sittingbourne/news/bonfire-spreads-out-of-control-124358/
Maidstone Magistrates' Court hit by suspected arson attack
from KentOnline News http://www.kentonline.co.uk/maidstone/news/magistrates-court-hit-by-arson-124360/
Domino's pizza delivery driver robbed by Reece Thomas in Faversham
from KentOnline News http://www.kentonline.co.uk/faversham/news/thug-boasted-on-facebook-about-124361/
Tiny calf given knitted jumper at farm in Paddlesworth, Folkestone
from KentOnline News http://www.kentonline.co.uk/folkestone/news/cows-about-that-to-keep-124346/
Sallee Panayi says a new grave has been dug far too close to her father's resting place in Whitstable cemetery
from KentOnline News http://www.kentonline.co.uk/whitstable/news/grave-error-is-too-close-124352/
Universtiy of Kent student, Abdul Dahir, of Liberty Quays, in Gillingham jailed for dealing
from KentOnline News http://www.kentonline.co.uk/medway/news/uni--student-jailed-for-124355/
CCTV images released after suspected knife assualt and robbery in St John's Street, Folkestone
from KentOnline News http://www.kentonline.co.uk/folkestone/news/cctv-appeal-after-knife-assault-124347/
Chatham: rubbish blaze in Slicketts Hill is suspected arson attack
from KentOnline News http://www.kentonline.co.uk/medway/news/arson-probe-after-fire-crews-124344/
Nurse Paul Ramsamy left blind in one eye after attack at Cookham Wood youth jail, Rochester
from KentOnline News http://www.kentonline.co.uk/medway/news/nurse-blinded-by-prison-thug-124345/
Thursday, 20 April 2017
Widening M2 between Sittingbourne and Faversham crucial to cope with rising traffic says Swale counci officer
from KentOnline News http://www.kentonline.co.uk/sittingbourne/news/urgent-calls-to-widen-motorway-124330/
Caretaker leaves over knife scare at Norton Knatchbull school
from KentOnline News http://www.kentonline.co.uk/ashford/news/caretaker-leaves-school-after-knife-124305/
Gemma Arterton says some film roles were ‘wrong choice’ ahead of Their Finest premiere
from KentOnline News http://www.kentonline.co.uk/gravesend/news/gemmas-finest-hour-124309/
GP services in Kent and Medway under pressure
from KentOnline News http://www.kentonline.co.uk/kent/news/kent-and-medways-gp-crisis-124326/
Thanet: Nigel Farage says he won't run for South Thanet seat in general election
from KentOnline News http://www.kentonline.co.uk/thanet/news/farage-wont-bid-for-kent-124336/
Dartford: Police close one lane of M25 entry slip at junction 1b after people spotted on the road
from KentOnline News http://www.kentonline.co.uk/dartford/news/people-spotted-on-m25-slip-124333/
Financial Planning for Twenty Somethings
Your twenties are an exciting time for many reasons. You graduate from college and enter the real world. You get your first job. You are likely on your own in an apartment for the first time. No parents. No roommates. You may develop a relationship with a significant other and get married.
It’s also exciting because you set your own, individual financial house in order. Sure, how your parents handled money is probably a model. I know it was for me. But in your twenties, you get to decide what you’re comfortable doing. Do you want a house? Do you want to travel before starting a family? Do you want to move halfway across the country? It’s all up to you.
That said, there are many things I wish I’d known about financial planning when I was in my twenties. Standing at the ripe old age of 32, I wish someone had emphasized to me what I’m about to emphasize to you.
Here’s a look at the three basics of financial planning for twenty-somethings. Been there. Did that.
Get Your Debt Under Control
What do I mean by getting your debt under control? Get monthly debt payments to a manageable amount. The reason? A lot of people have racked up credit card debt or have student loan repayments kicking in. Either, or both, can leave them paying every single dollar of disposable income to debt service.
Disposable income, by the way, is the amount you have left over after basics like rent, food, utilities and transportation.
If you’re paying every single dollar to debt service, you can’t possibly save for a vacation, a down payment on a house or retirement. The problem is exacerbated by the fact that, in your twenties, your income is probably pretty low.
At 25, I had $5,000 in credit card debt and $25,000 in student loans. My first job paid $30,000 — not a princely sum. I got a personal loan at a lower interest rate and transferred my credit card to it, which lessened my monthly payment immediately. I applied for and got a student loan repayment plan based on my income. Less per month there. I was paying a total of $329 on debt payments every month. It went down to $225.
With the money you save from getting your debt under control, you can start to build wealth more effectively. You want to pay off your debt responsibly, but don’t starve yourself of every penny just to pay it off.
Build Good Credit
You need good credit. Eventually, you will want a mortgage or a car loan. When you apply, banks and other lenders pull your credit score. If your credit score is average or poor, you may not get approved. If you do, poor or low credit may mean you’ll be charged a higher interest rate than people with excellent credit.
A higher interest rate means you’ll pay more every month and that money goes to less of the purchase. In addition, more and more landlords and even employers are using credit scores as a proxy for responsibility. They use it to make rental and hiring decisions.
How do you build good credit? First, pay your bills on time. Always. A large part of a credit score is determined by payment history. Set up your monthly bills for autopay so you don’t forget to make out checks or mail them when they’re due.
Second, ironically enough, if you have no debt, you need to get some. Seriously. Part of what lenders look at is your ability to use credit responsibly. If you’ve never demonstrated that, which you won’t if you’ve had no credit card or bank loan debt, it will ding your credit score. They also don’t like people being maxed out. That will hurt your score even more.
If a bank will give you a credit card with, say, a $500 line of credit and you use $200, you’ll be sitting pretty. You use credit, but you don’t go wild. And you pay on time.
Start a Retirement Account
I didn’t care about starting a retirement account until I hit 25. Then, I read an article that made it clear to me how important it was. It said this: if a person saves $3,000 every year from the time they’re 21 until the time they’re 30, they’d have $227,111 saved by the age of 60, assuming a six percent rate of return annually. That’s more than a quarter million dollars. And that’s without doing anything else. That’s $250 per month. I could do it by the time I hit 28, at least.
The reason the figure grows to be so awesome is that time and compound earnings work like a type of magic. Compare what happens if you don’t start saving until the age of 41. You’d need to save $9,621 each year until you’re 50 to get the same amount by the age of 60. That’s nearly $802 every month. That’s a lot of money, and it’s beyond most people’s grasp.
Plus, if you have an employer-sponsored retirement plan, please, please take advantage of it. First, money is taken out pretax. That means if you make $30,000 and have two percent taken out for a 401(k), you’ll only be taxed on $29,400. It can, depending on your income, lower your tax bracket.
If your employer offers a matching 401(k), please, please, please take advantage. You’re leaving money on the table if you don’t. That two percent from you is $600 per year. With a matching two percent, it becomes $1,200 per year. Sweet.
In your twenties, you’ll have lots of adventures but have lots of financial planning too! The financial planning you set up now will let you get debt under control, have good credit and save for retirement.
The post Financial Planning for Twenty Somethings appeared first on Homey Improvements.
from Homey Improvements http://homeyimprovements.com/financial-planning-twenty-somethings/
Mum who lost son to depression backs Prince Harry’s plea
from KentOnline News http://www.kentonline.co.uk/canterbury/news/mum-who-lost-son-to-depression-124288/
Horses on A2 near M25
from KentOnline News http://www.kentonline.co.uk/dartford/news/road-block-as-horses-get-124324/
Sittingbourne chosen as location for launch of a new minibus service
from KentOnline News http://www.kentonline.co.uk/sittingbourne/news/transport-giant-launches-on-demand-minibus-124323/
Man climbs large blue crane at Rochester Riverside development
from KentOnline News http://www.kentonline.co.uk/medway/news/man-climbs-to-top-of-124322/
Paul Norris tells court how he tried to save life of tot Frankie Hedgecock who died from methadone
from KentOnline News http://www.kentonline.co.uk/dover/news/pal-tells-of-desperate-attempt-124318/
Maidstone: 19-year-old woman arrested on suspicion of assault after 'domestic incident' in London Road
from KentOnline News http://www.kentonline.co.uk/maidstone/news/woman-arrested-for-assault-after-domestic-124319/
Car overturns in Whitehill Road, Longfield, near Gravesend
from KentOnline News http://www.kentonline.co.uk/gravesend/news/car-overturns-with-five-inside-124313/
Was Prime Minister Theresa May on her way to Broadstairs this morning?
from KentOnline News http://www.kentonline.co.uk/thanet/news/was-the-prime-minister-visiting-124307/
Network Rail install new warning system for pedestrians in Whitstable, Tankerton, Lenham and Aylesford
from KentOnline News http://www.kentonline.co.uk/kent/news/new-alert-boosts-safety-124295/
Southborough: Three men in custody after attempting to 'blow up' cash machine in Southborough
from KentOnline News http://www.kentonline.co.uk/tunbridge-wells/news/men-arrested-for-attempting-to-blow-up-cash-machine-124303/
Conservative MP Craig Mackinlay says he won't be derailed by continuing expenses investigation as PM offers endorsement
from KentOnline News http://www.kentonline.co.uk/thanet/news/conservative-craig-mackinlay-shrugs-off-124298/
Family say goodbye to five-year-old Eva Giles at her funeral in Herne Bay
from KentOnline News http://www.kentonline.co.uk/herne-bay/news/goodbye-our-little-princess-124281/
Robbery at One Stop, Beaver Lane, Ashford
from KentOnline News http://www.kentonline.co.uk/ashford/news/masked-robbery-at-convenience-store-124300/
Maidstone: Shalmuwn Hall, Christopher Tregunno and Kieron Murphy jailed for dealing drugs
from KentOnline News http://www.kentonline.co.uk/maidstone/news/drug-dealers-jailed-124296/
Bulldogs used as bridesmaids and best man in Dover wedding of Karen Chamberlain and Peter Dowling.
from KentOnline News http://www.kentonline.co.uk/dover/news/dog-124289/
West Kingsdown: 17 derelict caravans destroyed by fire
from KentOnline News http://www.kentonline.co.uk/sevenoaks/news/derelict-caravans-destroyed-by-fire-124292/
Man stabbed in fight outside Priory Shopping Centre and Sainsbury's in Dartford
from KentOnline News http://www.kentonline.co.uk/dartford/news/man-stabbed-in-fight-outside-124293/
Police appeal after motorcyclist dies in crash on the B2075 Romney Road, in New Romney
from KentOnline News http://www.kentonline.co.uk/romney-marsh/news/man-died-after-rush-hour-124284/
Former Medway Labour MP Bob Marshall-Andrews defects to Lib Dems
from KentOnline News http://www.kentonline.co.uk/medway/news/former-labour-mp-defects-to-124279/
Wednesday, 19 April 2017
Talk of the Town pub in Leysdown shuts after stabbing
from KentOnline News http://www.kentonline.co.uk/sheerness/news/pub-forced-to-close-after-124198/
Ex Man of Kent pub manager Snaebjorn ends up homeless
from KentOnline News http://www.kentonline.co.uk/gravesend/news/evicted-businessman-living-in-car-124251/
Online auction to help Sheerness girl Florence Whitelock's battle with cancer
from KentOnline News http://www.kentonline.co.uk/sheerness/news/auction-to-help-girl-battling-124257/
Inquest: Michael Bundy suicide theory after Thanet Way car transporter crash
from KentOnline News http://www.kentonline.co.uk/faversham/news/car-transporter-crash-victim-committed-124268/
Kent fire crews fight big blaze in Faversham town centre
from KentOnline News http://www.kentonline.co.uk/faversham/news/fire-crews-fight-huge-blaze-124278/
The Hunted One group to stop live streaming of stings
from KentOnline News http://www.kentonline.co.uk/dartford/news/paedophile-hunters-vow-to-carry-124273/
Kent MPs react to 2017 general election announcement
from KentOnline News http://www.kentonline.co.uk/kent/news/kent-mps-relishing-snap-election-124270/
Canterbury: Lorry and bus crash on Military Road Tourtel roundabout
from KentOnline News http://www.kentonline.co.uk/canterbury/news/bus-and-lorry-in-crash-124267/
New Romney: A259 Lydd Road closed in both directions after crash
from KentOnline News http://www.kentonline.co.uk/romney-marsh/news/crash-closes-main-road-124266/
A229 Linton Hill closed both ways after car overturns
from KentOnline News http://www.kentonline.co.uk/maidstone/news/crash-closes-road-124263/
Lee John Harvey and Joe Simpkin charged after The Hunted One sting at Bluewater descends into violence
from KentOnline News http://www.kentonline.co.uk/dartford/news/two-charged-after-bluewater-violence-124255/
Lorry driver Virginijus Sertvytis denies causing death of Arthur Jackson in M25 crash
from KentOnline News http://www.kentonline.co.uk/dartford/news/trucker-denies-causing-death-of-124242/
Christian Hinkley, from Cliftonville, jailed for series of attacks on former partner
from KentOnline News http://www.kentonline.co.uk/thanet/news/thug-begs-to-be-jailed-124235/
Amber Baker dies after being hit by train at Teynham Train Station
from KentOnline News http://www.kentonline.co.uk/sittingbourne/news/tributes-to-train-death-teenager-124197/
Emergency services called to crash in Gordon Road, Chatham
from KentOnline News http://www.kentonline.co.uk/medway/news/car-overturns-after-crash-124225/
Dog fighting for life after being stabbed in Gillingham
from KentOnline News http://www.kentonline.co.uk/medway/news/dog-found-with-stab-wounds-124220/
Canterbury: Driver crashes into kiosk at Asda petrol station on Sturry Road
from KentOnline News http://www.kentonline.co.uk/canterbury/news/driver-hits-kiosk-in-petrol-124194/