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Only 5 months old tiny souls scheduled to be euthanized, two baby sisters living on borrowed time!

For every individual it is necessary to have a retirement plan and a planner. In the present world most of the people are busy in their daily hectic routines or you can say that don't have enough time to think about their retirement. No matter what your age is, it is never too late to begin your retirement planning. But, also remember time passes very quickly, so you need to start planning accordingly before you realize that your retirement time has come. We all know that we are going to retire one day. Our future is in our hands, so why not make it perfect as much as we can.

Indeed, retirement is one of the most crucial periods of every individual. Saving today can be helpful tomorrow.

To secure your retirement phase you should know the retirement plans and their advantages. Most of the companies offer retirement plans to their employees but there are some who don't. There are several retirement planners in the industry, make sure to pick the right planner. Here are key elements you need to discuss with your financial adviser while planning your retirement:

1. Your current age: Age does matter in many areas and this is one of the most important things you should consider is your age. Although, there is no age to plan your retirement phase, but, you should start planning at least seven to eight years before you're actually going to retire.

2. Life Expectancy: This is one of the hardest elements you need to consider. The average life expectancy for a man and woman is 85 and you need to consider it with your retirement plan.

3. Your income: Another important factor you should consider is your latest income. You should work on some points like - what is your annual income? What is the annual income of your spouse? Make sure to count only the income you know.

4. Annual increment in your salary: How much increment do you feel you're going to get your salary each year? This is hard to figure out but as per the average results, most of the people get 3 to 4 percent hike in their annual income.

5. Desired income after retirement: This is the most interesting part of the retirement planning. What are your plans for getting retired? Do you want to travel or anything else? Consider all these factors to come with the perfect retirement plan for you as well as your spouse.

These are some of the necessary things every individual must consider while retirement planning.

Are you searching for an efficient retirement or financial planner?

Contact Health & Finance Integrated. We are an ethical financial planning company who can help you in managing your finances. We work hard with our clients to offer them with the best retirement advice and planning. We have a great experience in this field and with the support of our well-educated and highly-educated team, we're trying our best to meet our clients' expectations.

For additional information related to early retirement planning and more, feel free to reach us. We are always there to help you and work for you.

These two baby sisters were found luckily before they were hit by a car and now they are in the shelter needing some help. Please SHARE, they are adorable!! Thanks!

I'm an approximately 5 month old female Terrier. I am not yet spayed. I have been at the Carson Animal Care Center since 11/19. I will be available on 11/23. You can visit me at my temporary home at C218.

I'm an approximately 5 month old female Terrier. I am not yet spayed. I have been at the Carson Animal Care Center since 11/19. I will be available on 11/23.

🔹 AGE:5 months
🔹 Female
🔹 ARRIVED:11/19

We are NOT the City Shelter to where pictures were taken. FOR MORE INFO ON THIS PET please contact:
Carson Shelter at 310-523-9566
216 W Victoria St. Gardena, CA 90248
Ask for information about animal #A5238253 #A5238254

STATUS : - read comment for update from crossposter
On the dashboard of my personal financial software, there's a number.

Financial gurus tell me this number is one of the three most important in my life. One other is my credit score. The third is my age. (After all, I can shape the other two only if I'm still kicking.)

I certainly don't measure myself against these numbers. Although I admit to paying a lot more attention to the age figure as it creeps up.

But other people use them to assess me, that's for sure.

In fact, to hear some folks tell it, these little financial indicators are more important than a person's morality, ethics or good works. (Particularly nasty are dating sites that require your credit score... the romantic in me says yuck to that.)

Age, credit score and... can you guess the other number? Do you know yours?

Above all, can you rely on its accuracy? What if it's just a mirage?

You wouldn't go out to sea without knowing precisely how much fuel, water, food and other essentials you had on board. After all, your life depends on it.

But there's a good chance you're heading into retirement with a faulty figure for your net worth...

Speculating on Your Future

Ever since I studied economics at university, the distinction between price and value has fascinated me.

Price is the amount of currency someone wants to part with for something at any moment in time.

$1.75 for a grande at Starbucks.

$299 for the latest video game console my daughter wants for Christmas.

Value is our subjective assessment of how useful something is. My daughter's video game may cost $299, but I promise you, at that price there are many things I could use a lot more.

In markets, price is supposed to be an indicator of value. But prices have a way of becoming detached from value.

For example, a while back every kid wanted a silly little gadget that spins on your finger. For a few weeks they were selling for ridiculous prices because demand was so high. Once the kids figured out it was actually a boring little gimmick, the price dropped.

But trouble really starts when you introduce time into the price/value relationship. That's where net worth comes in.

For example, right now I think my home will fetch a certain price. That price contributes a sizable chunk to my net worth. My net worth, in turn, is the foundation of my retirement plans.

I'm certain I could sell my home right now to one of the young families flooding into my neighborhood because of the good schools. They have the income to afford my price.

But I don't plan to sell my house for another couple of decades at best. What if the young families of the future can't afford my price?

What happens to my net worth then?

Beggar Thy Children

When we retire, we usually cash in the assets that make up our net worth, including our homes. For example, a couple I know recently sold their home and used the proceeds to acquire an assisted living apartment that will take care of them for as long as they live.

But if today's younger generation can't afford to buy our homes at the prices we use to measure our net worth, we may be stuck.

And it certainly looks as if the kids won't be alright in 2037.

According to the Credit Suisse Research Institute's global wealth report, if the world's wealth were divided equally, each household would be worth $56,540.

But the top 1% own more than half of all wealth. The median household wealth is just $3,582. If you're worth more than that, you're in the richest 50% of the world's population.

We can debate the reasons for this lopsided distribution of wealth. But there's no debating the fact that people who reached adulthood since 2000 are on the losing end of it.

It's particularly bad in the U.S.

On average, Americans between 30 and 39 have half as much wealth in 2017 as that age group had in 2007.

That means they will be significantly less well-off 10 to 20 years from now... unable to afford the sort of homes we take for granted today.

In other words, thanks to increasing inequality, you may be heading into retirement with faulty numbers.

Plan Your Future Around Value, Not Price

I constantly ask myself: What's the Big Idea in my writing? What ties it all together?

As I wrote this article, it struck me that my Big Idea is the absolute importance of planning your future based on value, not price.

You know, for example, that you can't rely on current stock prices to remain the same throughout your retirement. Converting stock holdings to other assets that tend to hold their value before stock prices fall is a key strategy.

Given what wealth inequality is doing to our younger generations, if you're heading for retirement in the next couple of decades, you may want to consider the same strategy... when it comes to your home.