When we are young, we don't really think about financial planning for retirement. However, there are some good reasons why this way of thinking is wrong.
It is already established that money is the currency we use to pay for things in this world. Whether you're paying your bills, paying your debts, or paying for your food, we all need money to cover that.
In today's article, I will go over the reasons why you should think about financial planning for retirement even when you are young. Read on to find out the best answer to the question above.
1. Why Should You Save?
Before I answer the question above, I must first answer why there is a need to save cash. We all know that money is what we use to buy things, right? And cash is a finite resource. That is why you need to continue working to earn more of it.
The reason why saving is crucial is because you want to have that cushion and you want to have something in your reserves so that when you retire, you have something to spend.
No matter how we take care of ourselves, we will all retire at some point. Thus, if you didn't invest your money in meaningful things like having your own business, for example, then you will go broke when you stop working.
2. When Should You Start?
So, when is the best time to start saving for your retirement? Actually, the answer to that is "as soon as you start working". Oftentimes, when people land a job, saving for their future is the least of their concerns.
They're more focused on paying their previous debts, credit cards, and others, but rarely do they ever think about their retirement savings. There are many benefits if you start saving early. One would be that the money you've saved will compound interest yearly.
So, when you start saving in your 20s, that will compound each and every year. If you start saving, say, $8000 per year, that could build up to $1,000,000 by the time you retire and so on. This, of course, depends on the bank, but you get the gist.
Although it is never too late to think about financial planning for retirement, it is best that you start early so that it will start compounding.
Now you know when the best time to start thinking about your retirement is, it is now time for you to think about financial planning for retirement. Basically, structure your lifestyle based on the amount of money you're receiving every month.
Do not go beyond the means as much as possible. Learn how to budget and make sure you do not exceed that to avoid wasting your valuable resource.
Most companies offer a 401(k) plan and it is always a good idea to take advantage of that. If the company you're working from doesn't offer such, then get another retirement plan to ensure that you're getting the most out of your savings.
Although I've presented some valuable options for you to save, this is not to say that you shouldn't spend money on leisure and entertainment. All I am saying is that you have to structure your lifestyle in a way that you can enjoy living your life as well as having enough money to save each month.
Aim to save at least 15% of your income every month; increase it whenever possible. Remember, we all have to retire at some point, so make sure to be smart when it comes to spending.
Although there are other financial options like personal loans or cash advance online you can rely on whenever you need more funds, it is still best that you use your own which is why saving your cash is of paramount importance.
Investing your money in something that will grow over time is a great idea. If you can, put up your own business so that you will have a passive income machine.
However, do your due diligence and research about the best things that you can sell so that you do not end up wasting your money in the process. You could also think of investing in the stock market or perhaps in real estate as well as both of them are lucrative options.
As much as possible, you want to eliminate all of the debts that you have so that you can focus more on saving your money for your future. It is also a good idea to start thinking about your credit. Build it up well so that in the event that you need to take a loan, you will be able to.
At some point in your life, you're going to retire from work. Having your retirement fund set up and you saving money at an early age is crucial if you want your money to grow.
It is never too late to start saving, but if you can, start as early as possible.


Sensitive sites, such as military, industrial facilities, government buildings, etc demand a high level of security. For these applications, Willings can offer high security barriers, a range of bollards and retractable barriers - such as high security road blockers.
Because the state of alert at sensitive sites is constantly changing, road blockers are generally only used when in a high state of alert. At other times, vehicle barriers, gates, bollards or a combination of all are used to protect the outer perimeter.
Optional safety devices like photocells, inductive loop detectors, flashing lights or red/green traffic lights can be integrated to the system very easily.
For added safety, blockers can be inter-locked with a vehicle rising barrier. The barrier arm will only raise once the road blocker has fully lowered and the barrier arm lowers before the road blocker raises.
Offer an advantage over hydraulic blockers because they do not require a side column to house the drive mechanism. The electromechanical drive is operated through a control unit that can be positioned as far away as 20m (50 m with additional filter for frequency converter).
Are operated by an energy accumulator that can be positioned as far away as 5 m (15 m optionally). This facilitates placing several barriers end to end to control exceptionally wide access points.
An energy reserve also allows up to 3 operating cycles in case of power failure.
A surface type road blocker is installed directly on the road, therefore it does not need any excavation or civil works.
Where there is a threat of vehicle attack, in addition to the control of vehicle access, then a road blocker is the ultimate solution for perimeter security protection. Even though the attack may be from high tonnage vehicles travelling at high speeds - the impact damage caused to the front, wheels and the bottom of the vehicle will stop it from moving.


A heating, ventilation and air conditioning system (HVAC) is a complex machine. When it's running smoothly, it can reduce energy bills for your business, and keep you either cool as a cucumber, or warm and toasty.
But does it seem like your commercial HVAC system isn't working as well as it used to? If so, you might be in need of an HVAC replacement.
If you set the temperature on your thermostat but the space feels too hot in the summer, or too cold in the winter, you might need a new HVAC system.
You should first check that it's not the thermostat itself that's faulty. If it's in perfect working order, though, you need to check out the HVAC system.
Commercial HVAC systems are in near-constant use, so fine-tuning and regular servicing is normal.
You might find you're constantly having issues, though, and need to have repairs carried out on it all the time.
In that case, ask your technician for his honest opinion, and get a second opinion if needed. A replacement might be the way to go, and cheaper in the long run.
When it's in use, it's normal for your HVAC system to give off a low and constant buzz, or hum.
Squealing, grinding or other weird sounds could indicate there's something wrong with a HVAC system.
It might be as simple as replacing a faulty or worn belt or fan. Or, it might mean your business is in need of an HVAC replacement.
If you've ever noticed a musty smell when you start running the HVAC at the start of the season, then don't worry – that's pretty normal. Switching from cooling to heating can release trapped dust from the previous season.
If you notice that it smells really bad, though, it might mean that the insulation wire's burned out.
Your HVAC system can also belch out mold growth, free-radicals and other nasties that have set up home inside it. This can be damaging to your staff and customers' health, so it's important to get bad smells checked out quickly.
While they might work fine, clunky old commercial HVAC units can end up costing you more money long-term, than getting an HVAC replacement. They take more energy to run and are less efficient than newer models.
Businesses spend roughly 44% of their energy bills on heating and cooling commercial spaces. If your heating and cooling system is past its best, it can mean a significant impact on your company wallet, as well as the environment.
Your commercial HVAC system helps keep your staff and customers comfortable all year round. When you're using it for several months of the year, year in, year out, though, it'll eventually give in to wear and tear.
If you're wondering whether it's time for an HVAC replacement, do your research, keep our tips in your back pocket, and you'll find the solution that's right for you.
If your commercial HVAC system's in need of a check, then it's best to call out a technician. Here are some of the hidden dangers an HVAC technician can uncover.


Phoenix Republic is a political thriller describing an economic pivot point that follows three sisters as they struggle with the destruction of Western culture's credit driven way of life. Following a collapse of the U.S. dollar, three women from Texas each struggle to overcome personal failings as they make their way back home to the Texas ranch where they grew up.
Three ordinary American sisters from Texas must cope with the destruction of their comfortable lives. They must survive the dangers of dramatic upheaval as they rediscover their faith amidst an economic tsunami affecting the United States and Europe. Following a collapse of the U.S. dollar, Kate, Megan, and Annie each struggle to overcome personal failings as they make their way back home to the Texas ranch where they grew up, and back to their core values. If an economic collapse was not enough, Americans must also contend with the rise of a profound level of oppression brought on by a statist political class, as well as a fundamental power shift in the Middle East. The situation is dire and freedom-loving Americans will be gravely tested if they wish to retain their freedom and their God-given rights.
Danielle graduated from a private Christian university in nineteen-eighty-four and worked as a retail manager for a couple of years until joining the United States Army. Serving as an enlisted soldier, NCO, and as a commissioned officer, Danielle gained a well-rounded overview of military life. She served in both the regular army and the National Guard during the late nineteen-eighties and the first part of the nineteen-nineties. Since then, she has worked for major corporations as an IT Leader, and she is a small business owner. Now, opening another chapter, Danielle is kicking off a new phase of activism, the goal of which is to encourage Americans to cherish their freedom and to think for themselves. She hopes to inspire readers to fiercely protect their individual civil rights and to care for their neighbors.


The Leadership of the Movement for the Actualization of the Sovereign state of Biafra (MASSOB), yesterday warned Iyom Bianca Ojukwu, widow of late Dim Chukwuemeka Ojukwu to respect the revere name of Ojukwu's dynasty (Eze Igbo Gburugburu) and stop her political romance with those he described as enemies of Ndigbo.
In a statement issued in Abakaliki, the Leader of MASSOB, Comrade Uchenna Madu said the group had disassociated itself from the falsehood credited to MASSOB that it has declared support for the senatorial ambition of Iyom Bianca Ojukwu.
The statement read in part: "MASSOB as the foremost Biafra self determination movement can never allow our name, integrity and public trust dragged into disgraceful mud of Nigeria politics.
"We have never met or been consulted with Dim Ojukwu's widow on her senatorial ambition which is being sponsored by enemies of Ndigbo.
Ralph Uwazuruike who reportedly declared support to Bianca Ojukwu is not the leader of MASSOB and cannot represent MASSOB whose primary objective is for Biafra actualization and restoration, not shameless political romance with the oppressors of the people of Biafra.
"Political representation of Ndigbo is not about compensation, personal likeness or favour. Iyom Bianca Ojukwu can never be compensated with Igbo political representation in Abuja because of Dim Ojukwu.
Bianca Ojukwu is not Eze Igbo Gburugburu whose eloquent, radical and selfless Igbo interest has no boundary. You can't equate Bianca with Dim Ojukwu.
"Igbo political representation is for Igbo men with eloquent, radical, fearless and Igbotic tendencies. The current state of Ndigbo in Nigeria which has gradually & systematically degraded and substitutes Ndigbo to second class citizens and inferior tribe needs a vibrant, radical, people oriented and Igbo fighters to revive and re-established our true political nature.
We need practical and proactive experienced men in major sectors of Igbo lives which include economy, agriculture, technology, trade and youths/human development to represent our people in Nigeria governance.
"MASSOB advises Ojukwu's widow to concentrate on Ojukwu's family value. Bianca should stay away from politics in order to uphold Dim Ojukwu's name and respect. Venturing into politics will make her partisan which will also divide the people's respect and regard for Eze Igbo Gburugburu. Those who advise or pushing Iyom Bianca Ojukwu to aspire political elective post are enemies of Dim Ojukwu and Igbo land.


text:
// Copyright © 2015 Rodolphe Cargnello, rodolphe.cargnello@gmail.com

// Licensed under the Apache License, Version 2.0 (the "License");
// you may not use this file except in compliance with the License.
// You may obtain a copy of the License at
//
// http://www.apache.org/licenses/LICENSE-2.0
//
// Unless required by applicable law or agreed to in writing, software
// distributed under the License is distributed on an "AS IS" BASIS,
// WITHOUT WARRANTIES OR CONDITIONS OF ANY KIND, either express or implied.
// See the License for the specific language governing permissions and
// limitations under the License.

#ifndef GCAR_PROJECT_MENU_ABOUT_APPLICATION_HPP
#define GCAR_PROJECT_MENU_ABOUT_APPLICATION_HPP

#include <SFML/Graphics.hpp>
#include <TGUI/TGUI.hpp>

#include "main_application.hpp"

#define THEME_CONFIG_FILE "../media/TGUI/widgets/Black.conf"

namespace gcar
{
	/**
	 * @brief Provides menu functions
	 *
	 * @code
		#include <TGUI/TGUI.hpp>
	    #include <SFML/Graphics.hpp>
	    #include "menu/main_menu.hpp"
	 * @endcode
	 *
	 */

	namespace menu
	{

		inline void help_app (sf::RenderWindow & window)
		{
			tgui::Gui gui(window);

			try
		    {
		        gui.setGlobalFont("../media/fonts/DejaVuSans.ttf");

				// Get a bound version of the window size
			    // Passing this to setPosition or setSize will make the widget automatically update when the view of the gui changes
			    auto windowWidth = tgui::bindWidth(gui);
			    auto windowHeight = tgui::bindHeight(gui);

			    tgui::MenuBar::Ptr menu = tgui::MenuBar::create(THEME_CONFIG_FILE);
			    menu->setSize(windowWidth, 20);
			    menu->addMenu("File");
			    menu->addMenuItem("File", "Save");
			    menu->addMenuItem("File", "Exit");
			    menu->addMenu("Settings");
			    menu->addMenuItem("Settings", "Connect");
			    menu->addMenuItem("Settings", "Disconnect");
			    menu->addMenu("Help");
			    menu->addMenuItem("Help", "About");
			    gui.add(menu);

			    sf::Image icon;
			    icon.loadFromFile("../media/img/icon.png");
			    window.setIcon(icon.getSize().x, icon.getSize().y, icon.getPixelsPtr());

		    }
		    catch (const tgui::Exception& e)
		    {
		        std::cerr << "Failed to load TGUI widgets: " << e.what() << std::endl;
		        exit(1);
		    }

			// Start
			while (window.isOpen())
			{
				// Event http://www.sfml-dev.org/tutorials/2.1/window-events.php
				{
					sf::Event event;

					while (window.pollEvent(event))
					{
						// Close
						if (event.type == sf::Event::Closed)
						{
							window.close();
						}
						// Text
						else if (event.type == sf::Event::TextEntered)
						{
							// event.text.unicode
						}
						// Key pressed
						else if (event.type == sf::Event::KeyPressed)
						{
							if (event.key.code == sf::Keyboard::Escape)
							{
								window.close();
							}
						}
						// Key released
						else if (event.type == sf::Event::KeyReleased)
						{
							// event.key.code
						}
						// Mouse button pressed
						else if (event.type == sf::Event::MouseButtonPressed)
						{
							if (event.mouseButton.button == sf::Mouse::Left)
							{
								//std::cout << "Mouse left clic" << std::endl;
							}
						}
						// Mouse button released
						else if (event.type == sf::Event::MouseButtonReleased)
						{
							// event.mouseButton.button
						}
                        else if (event.type == sf::Event::Resized)
                        {
                            window.setView(sf::View(sf::FloatRect(0, 0, event.size.width, event.size.height)));
                            gui.setView(window.getView());
                        }

						gui.handleEvent(event);
					}
				}

				// Clear the screen
				window.clear(sf::Color(132,132,130));
				// Draw GUI
				gui.draw();

				// Display
				window.display();
			}
		}
	}

}
#endif

redpajama_set_name: RedPajamaGithub


text:
Fahey, David W., Earth System Research Laboratory, National Oceanic and Atmospheric Administration (NOAA), Boulder, Colorado, United States
Felman, Shoshana, Thomas E. Donnelley Professor of French and Comparative Literature, Yale University
Fisher, Talia
Fisher, Talia, Tel Aviv University
Fisk, Catherine L., U.C. Irvine
Fiss, Owen, Yale University
Fitzmaurice, Andrew, University of Sydney
Fitzpatrick, Brian T., Vanderbilt Law School
Fletcher, George P., Cardozo Professor of Jurisprudence, Columbia University School of Law
Fletcher, George P., Columbia University Law School
Fletcher, George, Cardozo Professor of Law, Columbia University School of Law
Follesdal, Andreas, Simon Fraser University
Forman, Geremy, Ph.D. candidate in the University of Haifa's Department of Land of Israel Studies
Fox, Merritt B., Alene & Allan F. Smith Professor of Law, University of Michigan
Fox-Decent, Evan, McGill University
Frank, Jill, University of South Carolina
Freeman, Marsha A., University of Minnesota
Freeman, Michael, Professor of English Law, University College London
Freeman Engstrom, David
Fried, Charles
Fried, Jesse M., Boalt Hall School of Law, U.C. Berkeley
Friedman, Lawrence M.
Frischmann, Brett, Cardozo Law School

redpajama_set_name: RedPajamaCommonCrawl