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Incredible Rugs And Decor Return Policy

Youll Need To Address Your Burial Plan

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Many people are not comfortable discussing death, said funeral director Veronica Reyes. Still, avoiding the topic can lead to bigger problems, particularly if you wait until your health is failing.

Solidifying your burial or cremation arrangement plans now, with a cool and clear head, allows you to lock in a fixed price, Reyes said. Your loved ones will not have to worry about being burdened with confusing decisions and unexpected funeral costs.

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As Could Your Aging Parents

Most adult children are unwilling to withhold support from a parent, so Brandt suggested that workers plan ahead if they anticipate this expense.

If a client thinks it is likely they will care for a parent, they could build a contingency plan, he said. They could switch to part-time work earlier than expected, Brandt said, or perhaps even work longer if excess funds are needed more than excess time as a caretaker.

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Most People Will Need Long

Around 70% of people over age 65 will need long-term care at some point in their lives, according to the U.S. Department of Health and Human Services. The cost will vary by state, but three years can easily set you back $300,000, said Mark Struthers, a certified financial planner at Sona Financial in Chanhassen, Minnesota.

To protect against this likely expense, Struthers suggested that retirees purchase long-term care insurance, which was created to cover long-term costs like skilled nursing, assisted living and hospice care.

Find Out: 30 Cities That Are Getting Too Expensive for Retirees

Your Healthcare Will Cost More Than You Expect

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The average couple retiring in 2019 at 65 will spend $285,000 on medical costs in retirement, according to a report by Fidelity. And not all those expenses will be covered by Medicare.

A health savings account, or HSA, can be a huge help when it comes to preparing for those healthcare costs in retirement, said Jody Dietel, senior vice president, advocacy and government affairs at HealthEquity. When paired with a high-deductible healthcare plan, HSA contributions are made tax-free, the balance accrues tax-free and withdrawals are made tax-free, Dietel said.

The account can build a healthy nest egg that can save you from having to pull from your 401 for those unforeseen healthcare costs, Dietel said.

See: 50 Best Cities for an Early Retirement

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Or You Could Be House Poor

Then again, paying down your mortgage might not be the best solution if it leaves you without enough of a retirement savings cushion.

If most of your wealth is tied up in your primary residence going into retirement, it can be tricky to find a good solution that allows you to maintain your desired lifestyle especially if you want to stay in the home, said Taylor Schulte, founder and CEO of San Diego-based commission-free financial planning firm Define Financial.

Schulte suggested downsizing and using some of the equity to help fund your retirement. Many people in this situation have a home that is far too large for their needs anyway, he said.

You Might Regret Skipping Your Roth Contribution

The younger you are, the more you can benefit from Roth accounts because theyre funded with after-tax dollars, which accumulate investment earnings tax-free for the life of the investment, Ritt said. That makes them a great option if you expect to have a higher tax rate in retirement than you do now. By tapping your Roth account before your taxable account, you decrease the amount of distributed funds youll pay tax on for that year.

Options: Most Tax-Friendly States To Retire

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The Actress Bought The Property Back In 2011

Jennifer Aniston is ready for the Christmas holidays. On Tuesday, the Friends star gave fans a rare sneak peek inside her $21million California home and it’s clear that the star is well prepared for the festivities.

The 52-year-old shared a video set to Michael Buble’s It’s Beginning to Look a lot Like Christmas, that showed her next to her gorgeous fireplace putting LolaVie treats into her friends’ Andrea Bendewald, Kristin Hahn and Amanda Anka’s stockings.

WATCH: Jennifer Aniston surprises her friends with cute stocking gifts

The camera then panned to her gorgeous Christmas tree which is beautifully decorated with gold, brown and glass baubles. It also features a gorgeous picture of her late dog Dolly, who sadly passed away in 2019.

Underneath the big spruce, tons of perfectly wrapped presents can be seen including one with a huge card that reads “To Jennifer”.

Jennifer’s fireplace had stockings for her friends

The 34-second clip was done to promote Jennifer’s new brand, LolaVie, in particular, her “Perfecting leave-in” conditioner, which is already a hit with her friends and family.

“Merry Christmas, Happy Elfing” she can be heard telling the camera after stuffing her friends’ stockings with her products.

Once her friends are at her house and admiring her tree, she asks them: “Did you guys find your stockings yet? Stockings should be there by the fire.”

Her Christmas tree featured a gorgeous picture of her late dog Dolly

Your Adult Children Could Derail Your Retirement Plans

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Cutting off the kids might be a necessary step if youre looking to retire. In fact, 79% of parents are continuing to support their adult children financially, according to a report from Merrill Lynch and Age Wave.

For many Americans, middle age is also the prime income-earning age and ideally when savers should have the most disposable income available to bolster retirement accounts. Financially funding a loved one during those years can have a serious impact on your retirement savings.

Benjamin Brandt, a certified financial planner and president at Capital City Wealth Management in Bismarck, North Dakota, suggested folding a plan B option into a retirement plan. If you suspect your child might boomerang home, for example, being proactive rather than reactive will always lead to better retirement outcomes, he said.

Read: Tips To Keep Your Finances in Order Without Sacrificing What You Want

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Or Whether Youre Older

Sadly, baby boomers the group closest to retirement age arent doing much better.

According to the GOBankingRates retirement survey, 30.7% of people over age 55 have retirement savings below $50,000, which is considered insufficient for those approaching their golden years. Late savers might have to play catch-up with their retirement contributions or even delay retirement for a few years.

Helpful: How To Protect Your Retirement Savings During the Coronavirus Pandemic

Does Incredible Rugs And Decor Do Black Friday

When it comes to Black Friday shopping extravaganza, buyers can always snag low-cost promos from their most-liked stores. Incredible Rugs And Decor is no exception. Each year, the seller brings more than just fantastic Black Friday promos. Incredible Rugs And Decor also offers pre-Black Friday savings and bargains for Cyber Monday.

Read Also: Floor And Decor Miami Locations

Youll Have Numerous Financial Issues To Consider

Those nearing retirement and those that have just begun retirement face the challenge of planning cash flows for their new lifestyle, said Scott Smith, a certified financial planner with Olympia Ridge Personal Financial Advisers in Rochester Hills, Michigan.

Before you tap your IRA or brokerage account, Smith suggested creating a five-year cash-flow plan, which should consider the tax repercussions of distributing from your pension, annuity, Social Security, retirement savings and even available part-time income.

Often, these choices are made without tax efficiency in mind, and the retiree ends up paying more in taxes than they really need to, Smith said.

Keep Reading: The Complete Guide to the Best Retirement Age

You Could Overspend On Housing

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A survey by American Financing found that 44% of Americans ages 60 to 70 have a mortgage when they retire, according to the Chicago Tribune. Some retirees even upsize their homes, said Cary Carbonaro, a certified financial planner with Goldman Sachs and author of The Money Queens Guide: For Women Who Want to Build Wealth and Banish Fear.

A hefty mortgage payment can seriously crimp cash flow, particularly for people on a fixed income. Cutting your costs by downsizing is always a good idea, Carbonaro said. Taxes, utilities and maintenance costs almost always go up.

Cut These: 35 Useless Expenses You Need To Slash From Your Budget Now

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The Prices And Rugs Were A Great Value

The prices and rugs were a great value. I found the exact same runner along with a matching entry rug for LESS than the sales price at Macy’s for just the runner. The rugs were delivered in just a few days with no shipping charges, as well as follow-up emails from Incredible Rugs inquiring as to my satisfaction. So the bottom line was great value and service!

Youll Probably Need To Supplement Your Medicare

Many procedures arent covered by Medicare, including dental, hearing, vision and long-term care in an assisted-living or nursing facility. Many retirees also face unexpectedly high deductibles and co-pays.

The best solution is to include unexpected medical costs in your budget as you build your retirement savings, said Joshua Zimmelman, founder of Westwood Tax & Consulting. You can also enroll in a Medicare supplemental insurance plan, which will help pay for co-payments, deductibles, co-insurance, prescription drugs and medical care while traveling overseas, he said.

Want To Retire In One of Americas Safest Cities? $1 Million Might Not Get You Far

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Youll Probably Live Longer Than Your Folks Which Costs More

The average life expectancy in the U.S. today is 78.6 years, according to the Centers for Disease Control and Prevention. And the ugly truth about retirement is that the longer we live, the more we have to shell out to fund our extended golden years.

With Americans living longer than ever, its no surprise that their biggest concern is outliving their income, said Jim Poolman, executive director of the Indexed Annuity Leadership Council. But the good news is, there are solutions for outliving income, such as looking into products that offer guaranteed lifetime income such as fixed indexed annuities.

See: The Cost To Retire in Americas Sunniest Cities

Why Is Woodenstreets Rug Collection The Best

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WoodenStreet accounts for numerous beautiful rug designs in different sizes to suit your needs. With the unique collection, the room is bound to give off happier and warm vibes. Our collection is neither too bright and loud that overpowers the rooms furniture, nor too neutral and plain that it dulls up the entire rooms theme. Having browsed the entire collection, you will know exactly which area rug qualifies to highlight your rooms essence.

Also Check: Rose Gold And Gold Christmas Decorations

You Might Not Be Saving Enough

About 64% of Americans have less than $10,000 saved for retirement, according to a recent GOBankingRates survey. Even if you plan to spend your golden years living modestly, that dollar amount wont come close to cutting it. Matt Ritt, a certified financial planner and investment advisor with Questis, suggested that investors start saving as early as you can.

He advised investors to take advantage of 401, 403b and IRA accounts and maximize contributions whenever possible. To find the funds, limit your expenses and stick to a reasonable spending plan, Ritt said.

Incredible Rugs And Decor Stats

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You Dont Really Know How Much Youre Spending

You should have a solid understanding of how much money youre spending but if you dont, youre not alone.

Over half of the people I talk to who are gearing up for retirement dont have a good understanding of how much they spend and where it goes, said Daniel P. Johnson, a certified financial planner and founder at Forward Thinking Wealth Management in Akron, Ohio.

Retirees need to know this information because theyll use their investments to fill the gap between whats going out and whats coming in through their pensions and Social Security plans.

There is a huge difference if you are anticipating to need an additional $20,000 annually from your investments to fill the gap versus actually needing $50,000, Johnson said.

Consider: 50 Cheapest Places To Retire Across America

Youll Have To Talk To Your Kids About Your End

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No one wants to think about their own mortality, but according to information available from the National Institute on Aging, its best to discuss end-of-life care preferences long before illness strikes.

Individuals should consider when they want to use life-prolonging measures, where they want to receive care and what they want to happen if theyre physically unable to care for themselves. An ugly truth about retirement is that these are the years when those decisions need to be made, and its best to talk to your loved ones and your doctors about your wishes.

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Why Does The Discount Code Never Work

The most common reasons why Incredible Rugs And Decor discount code doesn’t work include: the code has exclusions, the code may have expired, the code is non-transferrable or may only be able to be used once. Its also likely that your shopping didnt meet the requirements of spending a certain amount.

But You Can Still Invest Too Conservatively

Steer clear of high-potential investments like stocks, and you could end up making a mistake in retirement and outspending your lifestyle, said Joseph Carbone, a certified financial planner and founder of Focus Planning Group in Bayport, New York.

Retirees should be looking to invest in total return-type strategies that focus on stock appreciation more specifically dividend-producing stocks and good-quality bonds that dont have long maturities, Carbone said. Many of my clients who are in or approaching retirement have a 60% stock and 40% bond allocation, with an emphasis on dividend-producing stocks and bonds that have a duration of less than six years.

Read: 26 Smartest Ways To Invest Your Money Right Now

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Your Child Can Borrow For College But You Cant Borrow For Retirement

Many parents find themselves stuck between wanting to help their children pay for college and wanting to save for retirement, said Sally Brandon, senior vice president, client service and advice at Rebalance IRA. However, putting a lot of money into a college fund isnt going to help if your retirement savings suffer as a result, she said.

Instead, Brandon suggested setting a budget for what you can afford to pay toward college.

Tell your child what portion you can afford to pay, she said. If you have extra money after putting away what you need for retirement, so much the better.

Or You Could Be Sandwiched Between Both Generations

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A 2019 Nationwide Retirement Institute survey found that 38% of older adults have or have had their adult children live with them, and 16% have or had their parents live with them. Some older adults may end up having to provide financial assistance and care to both generations at the same time.

This phenomenon is so common that it has a name: the Sandwich Generation, Brandt said.

Stop: 50 Terrible Ways To Try and Save Money

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Ugly Truths About Retirement

Make sure you’re not in for a surprise when you retire.

Find Out: The Average Retirement Age in Every State

Over 30% of Americans plan to continue working after they retire, according to a 2019 survey by TD Ameritrade. If youre not sure how long youll need to work or what to expect when you retire, find out the hard truths so you can figure out when you should retire.

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Some Of Your Investment Success Will Be Left To Chance

What happens in the market during the 10 years before and after your retirement date can play a significant role in how well-funded your portfolio is.

Its difficult to replace lost money during this period of time, either because of time constraints or the loss of earned income, said Patrick Daniels, a financial planner at Precedent Asset Management in Indianapolis.

To protect your retirement savings during what Daniels refers to as the high-risk window, he suggested that individuals take a conservative approach with their investments.

In the News: Americans Savings Drop to Lowest Point in Years

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