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5 Tips For Parents To Help Their Kids

Get Started With Retirement Planning

It’s a whole new world for recent college graduates entering the workforce. Their priorities have changed; now bills, rent, and student loans lead their monthly list.  

Retirement planning ranks low as a priority for many young people in the early stages of their careers. About two-thirds of Millennials have nothing saved for retirement, according to a report by the National Institute on Retirement Security, and financial specialists say waiting to save could end up significantly delaying their retirement.

This is when parents can step in and advise their young adult kids on how and why to start a retirement plan now – before too many years roll by.  

“Many people early in their work life figure retirement isn’t worth thinking about because it’s so far down the road, and they’ve got other obligations,” says Mark Henry, an estate planner, investment advisor and founder/CEO of Alloy Wealth Management (www.alloywealth.com). “But getting a late start is a big mistake. First of all, they’re missing out on valuable years of compounding returns.

“Mom and dad are near or in retirement now and know the importance of saving as much as you can as soon as you can, especially in today’s world. They can be huge assets of knowledge and wisdom for their grown children right now.”

Henry offers five tips that parents can pass on to their young-adult children to help them start planning for retirement:

• Don’t wait. Explain to them the importance of beginning retirement savings just as that new job starts. “While they reason that their salary is low as they start out and they have bills, they need to make saving a disciplined habit, starting with just a little,” Henry says. “It’s not going to be easy to start saving later; you make more money, but then you’ve got more expenses. So start the important life habit now, and it will be easier then.”

• Learn the basics. Retirement planning can be a boring topic to some young people, but Henry says tying its importance to a new job that gives them a big opportunity to get ahead financially can instill pride in learning some of the retirement basics. “Young workers should at least understand the purpose of target-date funds,” Henry says. “Many plans offer these funds, which automatically adjust how a person’s money is invested based on their age and how close they are to retirement.”

• Capitalize on the 401(k). Their parents’ generation profited from this. “Throw in the fact that pensions are gone for the most part – and their parents’ generation felt the brunt of this fall-off – and the kids should pay heed to a great way to save,” Henry says. “And the percentage a company matches the 401(k) is an important consideration.”
• Increase contributions over time. Financial advisors generally recommend that you save between 10 percent and 15 percent of your pay for retirement. That’s usually too high for someone in their 20s, but Henry says, “You can work toward that goal by increasing your contribution by one or two percentage points every time you get a raise.”
• Stick to an honest budget. “Help them learn to budget money with three simple categories: give, save and spend,” Henry says. “With this foundation, they’ll learn how rewarding it is to set a savings goal and regularly put aside money to reach it, which is the basis for successful retirement investing.”

“Parents today know the younger you are when you begin retirement investing, the more money you can have when it’s time to retire,” Henry says. “They need to emphasize that to their kids, and they can teach them by starting with simple concepts and building on them over time.” 

About Mark Henry

Mark Henry is a certified estate planner and founder/CEO of Alloy Wealth Management (www.alloywealth.com). Known as “Charlotte’s Premier Wealth Coach” as a radio host on WBT News Talk 1110 AM/99.3 FM, Henry has more than 30 years of experience in business and finance. He is also an investment advisor representative.  

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Did you know that certain core exercises and workouts can actually do more harm than good? And... that some exercises can cause a bloated or puffy looking belly? The worst part is...
 
These “bad” exercises are not the same for everyone. Which is why...
 
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RELEASE ACOUSTIC VERSION OF "KATHRIN WITH A K" 

ANNOUNCE WEST COAST CO-HEADLINE TOUR 

WITH KING SHELTER & BEACH GOONS

DEBUT ALBUM NEVER NOTHING OUT NOW

CONFIRMED FOR 2018 RIOT FEST

JUNE 13, 2018 - Costa Mesa, CA - Super Whatevr has announced an upcoming co-headline west coast tour with King Shelter and Beach Goons. Support will come from Elder Brother on select dates. The Happy To Be Here tour will kick off on August 15th at The Rebel Lounge in Phoenix, AZ. 

In addition, the band has released an acoustic version of their song "Kathrin with a K", which can be streamed now through Spotify,Apple Music or purchased on iTunes. The original version of the song can be found on Super Whatevr's debut album Never Nothing, which was released January 19th through Hopeless Records. 

The band just finished up a massive tour with SUM 41, supporting the 'Does This Look Infected' 15 Year Anniversary and was recently announced in the initial line up for 2018's Riot Fest, which will take place Friday, September 14 through Sunday, September 16 in Chicago, IL. 

The project of McKee, Super Whatevr began as a vehicle for his poetry, when he started studying the craft of songwriting with the help of a friend and penning songs of his own. While the songs come from a dark place, they're a reflection of a glimmer of hope amidst life's struggles.

Earlier this year, Super Whatevr released the official music video for their song "Telelelevision". The video was animated by Eat The Danger, who has done the videos for "Lisbon" by Wolf Alice and Courtney Barnett's "Dead Fox". 

Never Nothing is out now.

Upcoming Super Whatevr Tour Dates

w/ King Shelter

Aug 15 - Phoenix, AZ - The Rebel Lounge

Aug 16 - Tucson, AZ - 191 Toole

Aug 17 - Santa Ana, CA - Constellation Room

Aug 18 - Santa Cruz, CA - The Crepe Place*%

Aug 20 - Seattle, WA - The Vera Project

Aug 21 - Portland, OR - Sirens

Aug 22 - Sacramento, CA - Goldfield Trading Post%

Aug 23 - San Francisco, CA - Bottom Of The Hill%

Aug 24 - San Diego, CA - The Irenic

Aug 25 - Highland Park, CA - The Hi-Hat*

*without Beach Goons

%with Elder Brother

September 14-16 - Chicago, IL - Riot Fest

Follow Super Whatevr 

Facebook: facebook.com/superwhatevr

Twitter: twitter.com/superwhatevr

Instagram: instagram.com/superwhatevr

Official Website: superwhatevr.com

Spotify: https://spoti.fi/2LNuj9A

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Airplanes generate a massive amount of data. By 2026, annual data generation within the airline industry is expected to reach 98 million terabytes, according to a study conducted by Oliver Wyman.

Yet, airlines can't adequately process or store all of their data securely – a major industry problem that traditional data storage services are incapable of solving.

We're exploring how the new era of decentralized cloud storage services (think Sia, 0chain, Storj) can solve the data crisis within the airline industry through the use of blockchain technology, open-source software and unlimited scalability.

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Five Western States Honored in National Transportation Competition

RAPID CITY, S.D. – Outstanding state department of transportation projects that tested innovative ways to improve driver safety on winter roads and brought economic growth to communities are among the top winners in the western regional America’s Transportation Awards competition. Thirteen western states nominated 27 projects this year, with nine of those projects receiving top honors today.

“State DOTs are committed to making America safer, better and stronger by improving connections between communities both large and small, urban and rural,” said John Schroer, president of the American Association of State Highway and Transportation Officials and commissioner of the Tennessee Department of Transportation. “The transportation projects in this competition are part of a national multimodal network that is moving millions of people and tons of goods where they need to go every day.”

Sponsored by AASHTO, Socrata, AAA, and the U.S. Chamber of Commerce, the 11th annual America’s Transportation Awards competition recognizes transportation projects in three categories: Quality of Life/Community Development, Best Use of Technology and Innovation, and Operations Excellence.

Four state DOTs took home awards in the Quality of Life/Community Development category. Utah DOT won in the small category (projects costing under $25 million) for its Cottonwood Canyons Public-Private Partnership/Fiber Deployment project. Two winners were announced in the medium category (projects costing between $25 million and $200 million)—Colorado DOT for the I-25 and US24/Cimarron Street Interchange Design-Build project and Nevada DOT for its USA Parkway project. California DOT (Caltrans) won in the large category (projects costing more than $200 million) for its SR-91 Corridor Improvement project.

Three state DOTs won in the Best Use of Technology and Innovation category. Caltrans Highway 1/Pfeiffer Canyon Bridge Replacement and South Dakota DOT’s High Friction Surface Treatment project shared first place in the small category. Colorado DOT’s Linking Lookout—US 6 and 19th Street project won in the medium category.

Two state DOTs won awards in the Operations Excellence category. South Dakota DOT’s U.S. 14/6th Street project won in the small category, while Caltrans Route 191 Realignment Project: Taming the Curves won in the medium category.

Winners in the three remaining regions will be announced throughout the summer. The three highest-scoring projects from each region will be included in the “Top 12.” Those 12 projects will compete for the Grand Prize, selected by an independent panel of industry judges, and the Socrata People’s Choice Award, chosen by the general public through online voting. The top two winners also receive $10,000 cash awards, to be donated to a charity or scholarship of the state DOT’s choosing. Online voting begins Aug. 30. The winners of the top two awards will be announced Sept. 23, at the AASHTO Annual Meeting in Atlanta.

Learn more about the nominees and the competition at www.AmericasTransportationAwards.org

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Is ‘Holistic Dentistry’ An Important Movement Or A Pointless Term?

One of the latest fads in dentistry is the emergence of the “holistic” dentist or orthodontist.  There are several myths concerning the relatively new term and some people have wondered if an entirely new specialty has emerged.
 

Advertisements from coast to coast are suddenly proclaiming that “holistic dentistry” will provide a much more calm, serene experience than other dental practices.  Those who use the term portray themselves as more loving of the environment, less likely to pull a tooth and more likely look out for the entire body, not just the mouth. 

“There are several myths concerning the new term ‘holistic dentistry,’ ” says Dr. Jamie Reynolds, an orthodontist, national and international lecturer and author of World Class Smiles Made in Detroit (www.AskDrReynolds.com).  “There is certainly room for a little clarity so patients can judge for themselves.”

Reynolds says the first problem is that there is no agreement of what the terms “holistic dentistry or holistic orthodontics” means.  The terms are not defined or, more importantly, regulated.  

Reynolds says the following myths need to be debunked for consumers:

• You can be licensed as a holistic dentist/orthodontist. The term holistic is not recognized as an official designation by the American Association of Orthodontists or any authoritative body. 
• Holistic orthodontists treat the whole body. All orthodontists are trained in how the mouth and surrounding anatomy connects to the rest of body.  There is no recognized additional training for someone who claims to be a “holistic” dentist/orthodontist.
• Holistic orthodontists/dentists are “green.” Some people assume that a holistic orthodontist or dentist will also be the one who cares about the environment more than a regular dentist, but there is no standard definition of what “green” means.  If patients are concerned about this issue, they should ask their dentist/orthodontist about it, regardless of whether the term “holistic” is used.
• Holistic orthodontists/dentists are less likely to pull a tooth. Most orthodontists consider tooth extractions a last resort.  While it used to be quite common for orthodontists to pull teeth so other teeth had more room, advancements in technology have made this a rare occurrence today.

“The truth is that anybody can slap the term ‘holistic” on the front of their practice and some people may think that means they offer a type of more gentle or sympathetic care,” Reynolds said.  “I wouldn’t be surprised to see holistic car dealerships soon.  The bottom line is that holistic is a marketing term, not a professional designation.”

About Dr. Jamie Reynolds

Dr. Jamie Reynolds (www.AskDrReynolds.com) is recognized on an annual basis as one of the top orthodontists in metro Detroit. His book, World Class Smiles Made in Detroit, puts an emphasis on the many benefits of having a great smile. Reynolds – who is a national and international lecturer on high-tech digital orthodontics and practice management – attended the University of Michigan for both his undergraduate education and dental studies, and did his orthodontic residency at the University of Detroit-Mercy.