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Tag: Advice

  • Investor With $200K From Selling Rental Property Seeks Advice On SCHD, QQQM And VOO – Can He Reach $1 Million In 10 Years With 70% Growth?


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    Investing involves balancing risk, reward and personal goals and for many, index funds like SCHD, QQQM and VOO have become an important part of their portfolios.

    Whether it’s SCHD’s focus on high-yield dividend-paying enterprises, VOO’s all-around coverage of the S&P 500 or QQQM’s focus on tech companies, these index funds provide investors with diversified exposure to the stock market.

    Choosing which fund to invest in usually depends on the investor’s goals, but what happens when you’re at a crossroads and don’t know where to allocate a significant sum? That’s exactly the impasse one Reddit member found himself in.

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    The poster, who’s been investing for several years, is selling a rental property he bought for $110,000. Now, with the rental evaluated at $245,000, he thinks he will remain with $200,000 to invest after accounting for all the expenses related to selling the house.

    While the rental property generated $1,100 monthly, the management and maintenance issues made him want to give up renting the property. His goal? To transition to the stock market, focus on growth and dividend-paying investments.

    “Just been seeing the popularity of SCHD, QQQM and VOO a lot and wondering if I could get a million in 10 years or less. I’m sure I can handle some risk but I was wondering if I should be dividend-heavy or growth-heavy for my goals,” he said.

    Trending: Coinbase’s latest promo gets you up to $200 in crypto (Seriously!) — Here’s everything you need to know to take advantage of this offer.

    Besides the rental profits, the investor has $40K in a HYSA and has been maxing out his Roth IRA in the last three years. Now, he’s turned to Reddit’s r/dividends community to seek guidance on whether his strategy is a good one or whether he should consider a better one.

    Let’s explore the strategies Reddit investors shared in the thread.

    Is $1 Million in 10 Years Possible With The VOO, QQQM, SCHD Strategy? Reddit’s Advice

    Balance Risk and Investment Objectives

    Many commenters highlighted the imperative need to assess the investor’s willingness to take risk, especially when considering his five-to-ten-year time horizon.



    Are you an investor who recently sold a rental property and now has $200K to invest? Are you considering putting your money into SCHD, QQQM, and VOO in the hopes of reaching $1 million in 10 years with a 70% growth rate?

    If so, you’re not alone. Many investors are looking for ways to grow their wealth quickly and effectively. However, investing in the stock market comes with risks and uncertainties, especially when aiming for such ambitious goals.

    Before making any investment decisions, it’s important to do your research and consider your risk tolerance. SCHD, QQQM, and VOO are all popular exchange-traded funds (ETFs) with different investment strategies and risk profiles. SCHD focuses on high-quality dividend-paying companies, QQQM tracks the performance of the Nasdaq 100 Index, and VOO mirrors the S&P 500 Index.

    While these ETFs have the potential for growth, it’s important to remember that past performance is not indicative of future results. A 70% growth rate over 10 years is certainly possible, but it’s also a very aggressive target that may not be achievable. It’s crucial to have a diversified investment portfolio and to consider factors such as market volatility, economic conditions, and your own financial goals.

    Consulting with a financial advisor can help you create a personalized investment plan that aligns with your risk tolerance and financial objectives. They can provide guidance on asset allocation, risk management, and investment strategies to help you reach your long-term financial goals.

    Investing in SCHD, QQQM, and VOO can be a solid foundation for your investment portfolio, but it’s essential to approach it with caution and realistic expectations. With proper planning and a disciplined approach, you may be able to grow your $200K into $1 million in 10 years, but it’s important to be prepared for potential challenges along the way.

    Tags:

    1. Investor seeking advice
    2. $200K from selling rental property
    3. SCHD, QQQM, VOO
    4. Reaching $1 million in 10 years
    5. 70% growth
    6. Investment advice
    7. Portfolio growth strategy
    8. Long-term investment goals
    9. Wealth building strategies
    10. Financial planning for investors

    #Investor #200K #Selling #Rental #Property #Seeks #Advice #SCHD #QQQM #VOO #Reach #Million #Years #Growth

  • BRAVE NEW WORLD Star Harrison Ford On Why He Didn’t Turn To Mark Ruffalo For Hulk Advice


    It was a big enough surprise when Harrison Ford agreed to return to the Star Wars franchise as Han Solo, so the fact he’s joined the MCU – as a Red Hulk, no less – is still pretty mind-blowing. 

    Making his debut in Captain America: Brave New World next month, the actor appears excited to board a franchise he’s watched many of his contemporaries have fun in. Beyond that, only time will tell whether Red Hulk is a one-and-done villain or a key part of future stories. 

    Ford isn’t the first actor to play Thaddeus “Thunderbolt” Ross as the late William Hurt was originally cast as the antagonist in 2008’s The Incredible Hulk. He took an extended break from the MCU before returning in Captain America: Civil War, Avengers: Infinity War, Avengers: Endgame, and Black Widow

    Talking more about following in Hurt’s footsteps, the iconic actor said, “It…becomes your responsibility to fill out the shoes that have walked before you… [I had] a lot of help from the script because the character’s life becomes more complicated and interesting, perhaps.”

    He’d go on to describe Captain America: Brave New World as “operatic,” and added, “the level of dramatic involvement is very high.”

    Asked if he ever turned to Mark Ruffalo about transforming into the Red Hulk, Ford said the Bruce Banner actor “wasn’t available for a consultation.” Instead, he “just had to wing it” but acknowledged that he hopes Ruffalo “[isn’t] disappointed” before suggesting they should one day square off to see who’s “hulkier.”

    We’d imagine Red Hulk will factor into plans for that long-delayed World War Hulk movie. However, assuming he survives the events of Captain America: Brave New World, Ross would surely help turn the tide in the impending Multiversal battle with Doctor Doom when Avengers: Doomsday rolls around. 

    You can hear more from Ford in the video below.

    In Captain America: Brave New World, after meeting with newly elected U.S. President Thaddeus Ross, played by Harrison Ford in his Marvel Cinematic Universe debut, Sam Wilson finds himself in the middle of an international incident. He must discover the reason behind a nefarious global plot before the true mastermind has the entire world seeing red.

    The movie stars Anthony Mackie, Danny Ramirez, Shira Haas, Xosha Roquemore, Carl Lumbly, with Giancarlo Esposito, Liv Tyler, Tim Blake Nelson, and Harrison Ford. The movie is directed by Julius Onah and produced by Kevin Feige and Nate Moore. Louis D’Esposito and Charles Newirth serve as executive producers.

    Captain America: Brave New World opens in U.S. theaters on February 14, 2025.





    In a recent interview, Harrison Ford opened up about why he didn’t seek advice from Mark Ruffalo when preparing for his role in the upcoming film BRAVE NEW WORLD.

    Ford, who plays a gritty, no-nonsense character in the dystopian world of BRAVE NEW WORLD, explained that he wanted to bring his own unique perspective to the role without being influenced by other actors’ performances.

    “I have the utmost respect for Mark Ruffalo and his portrayal of the Hulk in the Marvel movies, but I felt it was important for me to approach this character in my own way,” Ford said. “I wanted to bring something fresh and unexpected to the role, and I didn’t want to be swayed by anyone else’s interpretation.”

    Ford’s decision to forge his own path in preparing for his role in BRAVE NEW WORLD speaks to his dedication to his craft and his commitment to delivering a standout performance. Fans can look forward to seeing Ford’s take on this complex character when the film hits theaters next year.

    Tags:

    Harrison Ford, Brave New World, Mark Ruffalo, Hulk, advice, actor, interview, film, Hollywood, Marvel, entertainment, celebrity

    #BRAVE #WORLD #Star #Harrison #Ford #Didnt #Turn #Mark #Ruffalo #Hulk #Advice

  • Thomas Rhett’s Parenting Advice to Teddy Swims Revealed


    “I don’t know how nervous I’m going to be yet, I guess until we get to that moment,” the singer admitted. “Hopefully there’s no mess-ups. I just try to stay out of my own way and stay out of my head about it.”

    No matter what happens on Grammy night, Teddy has another exciting milestone on the horizon: the arrival of his first baby with pregnant girlfriend Raiche Wright, due in June. And the father-to-be has already gotten parenting tips from his “Somethin’ ‘Bout a Woman” collaborator Thomas Rhett, who shares four daughters with wife Lauren Akins.

    “[Thomas] said, ‘Look, there are times where these kids, they know when you’re not fully, fully, 100% present and focused on them,’” Teddy recalled. “He said, ‘You just got to make sure, no matter what, put your phone down. Just be fully present with them, because you won’t get those moments again.’”



    Thomas Rhett, country music superstar and father of three, recently shared some parenting advice with rising singer Teddy Swims. In an exclusive interview, Rhett opened up about the joys and challenges of fatherhood, and offered some words of wisdom to his friend and fellow musician.

    One piece of advice that Rhett shared with Teddy Swims was the importance of being present and engaged with your children. He emphasized the value of quality time spent with kids, and how even small moments can make a big impact on their lives.

    Rhett also stressed the importance of setting boundaries and being consistent with discipline. He explained that children thrive on structure and routine, and that clear expectations can help them feel safe and secure.

    Another key piece of advice that Rhett offered was to prioritize self-care as a parent. He emphasized the importance of taking care of yourself physically, mentally, and emotionally in order to be the best parent you can be.

    Overall, Thomas Rhett’s parenting advice to Teddy Swims highlighted the importance of love, patience, and communication in raising happy and healthy children. It’s clear that Rhett’s experience as a father has given him valuable insights that he is more than willing to share with others.

    Tags:

    1. Thomas Rhett
    2. Teddy Swims
    3. Parenting advice
    4. Country music
    5. Fatherhood
    6. Celebrity parenting tips
    7. Music industry
    8. Thomas Rhett interview
    9. Teddy Swims interview
    10. Celebrity mentorship

    #Thomas #Rhetts #Parenting #Advice #Teddy #Swims #Revealed

  • WWE Hall Of Famer Trish Stratus Reveals Her Advice To Chelsea Green Ahead Of Rumored Royal Rumble Return


    No one has helped revolutionize women’s wrestling more than Trish Stratus, the WWE Hall of Famer and record seven-time WWE Women’s Champion. Stratus, along with her greatest rival, Lita, were the first women to main event Monday Night Raw and showed that women could, and would, grapple as well as the men, and were more than just pretty faces on the screen.

    In an exclusive interview with ScreenRant ahead of the Royal Rumble, Stratus spoke about the introduction of the Women’s midcard championships, her thoughts on the inaugural champions, Chelsea Green and Lyra Valkyria, and how it’s helped the women’s division become just as dominant as the men’s roster. When asked what advice she’d give to the new champions, Stratus had some strong advice for Green.

    I would tell Chelsea Green to stop being such a b*tch. That might help. You know, people really dislike her, and sometimes in life, you won’t get far if you’re disliked, you know? You may become US Champion but a lot of people don’t like you and people want friends. So Chelsea Green, if you want friends, stop being a b*tch.

    Could Stratus Strong Words For Chelsea Green Set Up Rumble Drama?

    Not Sure If It Was Advice Or A Warning, To Be Honest

    WWE Star Chelsea Green
    WWE.com

    Could those be fighting words? The Rumble is as much about micro-narratives as it is about the showcase itself, and the most memorable moments add a greater level of emotional depth than flashy spots. With rumors of Stratus’ potential participation in the Royal Rumble match, her comments set up the tantalizing prospect of one of those mini-storylines during the 2025 tentpole. According to WrestleVotes, Stratus’ participation in the Royal Rumble has been discussed, which would mark the Hall of Famer’s first appearance since her match with Becky Lynch at WWE Payback in 2023:

    I know it’s been discussed. I know she will be in Indianapolis, I know WWE is bringing her in. I don’t know specifically if it is for a Rumble appearance, but I know it’s been discussed. There’s only so many women’s legends they can call on, especially those that can still do it, and she’s one of them.

    Such conflict would represent something of a cyclical moment for Green, whose WWE debut was intended to build towards a copycat storyline that would have emulated how Stratus was booked with Micke James 15 years earlier. Reports from Fightful Select confirmed Green had filmed segments with James before plans changed at the last minute:

    The story had a pretty solid plan and we’re told that several in creative were very excited about it, but it inexplicably got scrapped. The story that we’ve heard would have had Mickie James put in Trish Stratus’ shoes from 15 years ago.

    It went a lot further than a pitch. We’re told that Mickie James and Chelsea Green had actually filmed content to start the angle. Everything was a go, and plans were abruptly changed only hours before it was set to air. Green didn’t appear on TV for months after.

    In a notably different tone, Stratus also revealed her thoughts on Lyra Valkyria:

    And Lyra is awesome, and I’m so excited to see her get this opportunity. I feel like she came in with a bang and I was waiting for the momentum. It felt like it stopped a little bit. I think this is a great way to catapult her and just continue the momentum that she deserves.

    Stratus Loves The New Women’s Midcard Titles

    She Sees Them As Another Building Step In The Women’s Division

    Lyra Valkyria WWE Raw Jan 13 2025

    In 2024, WWE introduced two new Women’s championships to the division, giving exposure to their rising stars who weren’t in the main event picture just yet. Stratus sees this as a win for the division, and that the women can finally be seen as equals to their male counterparts in WWE.

    “[I] Love it, and it’s just things that – I’ll tell you what, me being back at this present time around and seeing it all happen is everything we wished for back in the day. So [I’m] seeing it and [it’s] still in my time, it’s happening. Even when I got to go back and dip my toes in the water of the current landscape was very special to me, like even to be in a cage match, something I would’ve never thought could have been a possibility.

    So to see now, like we are – and I used to say, ‘man, if we could be just equal with the men…’ It’s not even about the length of the match or anything like that, it’s just like viewed equally, equal contributors to the show as a whole. I think you’ll see more exposure for the women, more opportunities for the women, and I think it’s fantastic.

    Stratus’ comments actually echo those of Chelsea Green, who recently spoke to “The Sports Agents” to reveal how Paul Levesque’s tenure as WWE’s driving force has changed the culture for the company’s female stars:

    I come to work, I love my job, I feel safe, I feel supported. Triple H makes women specifically feel absolutely equal to men,” Green commented. “We are out there main eventing WrestleManias now, something that unfortunately that previous era didn’t get to experience but they set the table for us and now we’re sitting at it. We’re enjoying these amazing meals, and I couldn’t be happier.

    WWE‘s 2025 Royal Rumble takes place on Saturday, February 1st from Lucas Oil Stadium in Indianapolis, IN, with an earlier start time of 6pm ET/3pm PT on Peacock and Netflix around the world. Check your local listings for start times in your area.

    WWE Logo



    WWE Hall Of Famer Trish Stratus recently shared some valuable advice with Chelsea Green as she prepares for a rumored return at the upcoming Royal Rumble. In an exclusive interview, Stratus revealed her words of wisdom for the talented wrestler as she gears up for one of the biggest events in WWE.

    Stratus, who is no stranger to the Royal Rumble herself, emphasized the importance of staying focused, confident, and prepared for whatever challenges may come her way in the ring. She also stressed the significance of making a memorable impact and seizing every opportunity to showcase her skills and make a statement to the WWE Universe.

    As Green eagerly anticipates her potential return to the ring, Stratus’s guidance and support are sure to be invaluable as she looks to make a splash at the Royal Rumble. Stay tuned for more updates on Chelsea Green’s rumored comeback and her journey to success in the WWE.

    Tags:

    WWE, Hall of Famer, Trish Stratus, Chelsea Green, Royal Rumble, return, advice, wrestling, legend, women’s wrestling, WWE Hall of Fame, championship, comeback, career advice

    #WWE #Hall #Famer #Trish #Stratus #Reveals #Advice #Chelsea #Green #Ahead #Rumored #Royal #Rumble #Return

  • Marvel Rivals players have a friendly word of advice for those struggling to climb the ladder


    Marvel Rivals players have issued advice for those struggling to climb the ranked ladder, and while it may sound like common sense to some, it’s an important tip to note.

    Ranked in Marvel Rivals can be a hell of a grind, particularly following the seven-tier drop at the start of season one, and a bad streak can quickly derail your climb—but taking on one piece of advice from the community may help.

    In a post on Reddit, players were advised not to select a character they have no experience with simply because a teammate asked for them to activate a team-up ability–and this single piece of advice could help you in a slump.

    It’s no secret that there are top-tier team-ups to utilize, including the trio of Doctor Strange, the Hulk, and Iron Man, but choosing a character you have little to no experience with is not the way to go about it. Instead, stick with someone you know.

    Although the right team-up can be a game-changer, sticking with a hero you know and playing them well is always better than choosing a character you are not comfortable with and having a mid game—so don’t give into peer pressure. As someone said, team-ups aren’t worth handicapping your team.

    The post attracted over 3,000 upvotes and over 450 comments, full of good tips. While playing someone you don’t know in ranked isn’t ideal, it’s a good idea to be familiar with a few characters so that you can switch when required—but you should do this in Quick Play.

    It’s also worth learning different roles and characters, enabling you to switch to Vanguard from Support, for example, if the team composition calls for it. Again, though, don’t do this in ranked mode.

    I’d also highly recommend learning a character in the vs. AI mode. While it won’t challenge your skills too much, it will allow you to learn the abilities and cooldowns in an environment that isn’t anywhere near as stressful.

    I’ll also throw another tip into the mix: don’t pick a character just because you’ve seen someone else play them well. Everyone has their own strengths and weaknesses, so yours may be vastly different from whoever you saw shine.

    Finally, another tip is not to play ranked while tilted. Take a break if you’re getting frustrated and on a loss streak! Nothing good ever comes out of playing full of rage, and it can do significant damage to your placement.


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    “Marvel Rivals Players Share Tips for Climbing the Ladder: A Friendly Word of Advice”

    Are you finding it tough to climb the ranks in Marvel Rivals? Don’t worry, you’re not alone! Many players have faced the same struggle and have come out on top. Here are some friendly words of advice from experienced Marvel Rivals players that might help you on your journey to the top:

    1. Don’t be afraid to experiment with different decks and strategies. Sometimes, trying something new can lead to a breakthrough in your gameplay.

    2. Take the time to analyze your opponents’ moves and learn from them. Understanding your opponents’ tactics can help you anticipate their next move and come up with a counter-strategy.

    3. Practice, practice, practice! The more you play, the better you’ll get. Don’t get discouraged by losses – use them as learning opportunities to improve your skills.

    4. Join a community or group of Marvel Rivals players. Sharing tips, strategies, and experiences with other players can help you grow as a player and make the climb up the ladder easier.

    5. Remember to have fun! While climbing the ladder can be challenging, don’t forget to enjoy the game and appreciate the journey. Celebrate your victories, learn from your defeats, and keep pushing forward towards your goals.

    With these friendly words of advice in mind, we hope you’ll be able to overcome any obstacles in your path and reach new heights in Marvel Rivals. Good luck, and may the cards be ever in your favor!

    Tags:

    1. Marvel Rivals
    2. Marvel Rivals players
    3. Marvel Rivals tips
    4. Marvel Rivals strategy
    5. Marvel Rivals ladder climbing
    6. Marvel Rivals advice
    7. Marvel Rivals community
    8. Marvel Rivals competition
    9. Marvel Rivals gameplay
    10. Marvel Rivals success strategies

    #Marvel #Rivals #players #friendly #word #advice #struggling #climb #ladder

  • Arch Manning reveals advice he received from Quinn Ewers, Steve Sarkisian ahead of 2025 season


    Not long after Ohio State beat Texas in the Cotton Bowl to end the 2024 season for the Longhorns, Texas QB Arch Manning was already thinking ahead to 2025. Manning played mostly in a reserve role for Texas the past two seasons. But he will finally get his chance to shine this upcoming year.

    Manning recently sat down with ESPN’s Marty Smith for an interview and revealed the message he received from Quinn Ewers ahead of the 2025 season.

    “Kind of right after the Ohio State game I was with Quinn in the locker room,” Manning recalled. “He was just like, ‘Enjoy every moment. It goes by quickly. So love on your teammates and have fun.’”

    That is obviously excellent advice from Ewers, who is off to the NFL after leading the Longhorns to the semifinals of the College Football Playoff in 2024. Ewers spent three seasons at Texas after starting his career at Ohio State as a decorated recruit. He knows all too well how quickly time goes by while playing college football.

    In addition to Ewers, Manning also received advice from Longhorns head coach Steve Sarkisian about what to do now that he is the leader of the Texas team.

    “Coach Sark just told me to be myself and be a leader and work hard and it’ll all work out,” Arch Manning said.

    Manning started two games for the Longhorns this past season while Quinn Ewers was injured, leading Texas past ULM and Mississippi State. He also saw limited playing time in several other games.

    For the year, Manning finished with 939 passing yards, nine touchdowns and two interceptions while completing 67.8 percent of his passes. Manning also rushed for 108 yards and four scores. He is looking forward to his opportunity to finally be the full-time starter for the Longhorns.

    “I think my first start against ULM I kind of forced some shots down field and was a little bit greedy,” Arch Manning said. “But then the next week against Mississippi State settled in. The hardest part was you get a little taste of what it’s like and you love it. And then you go back to not playing. That was pretty tough.

    “I haven’t really played much, so I guess it hasn’t really started. But it’s been fun. I’ve enjoyed it. I’ve learned a lot. I love my coaches, love my teammates. So I’m ready to get it rolling.”



    Arch Manning, the highly touted quarterback prospect in the class of 2023, has revealed the advice he received from fellow quarterback Quinn Ewers and Texas head coach Steve Sarkisian as he prepares for the 2025 season.

    In a recent interview, Manning shared that Ewers, who recently transferred to Texas from Ohio State, told him to trust his instincts and always stay true to himself on and off the field. Ewers, who knows a thing or two about being in the spotlight as a highly recruited quarterback, emphasized the importance of staying grounded and focusing on what truly matters.

    On the other hand, Steve Sarkisian, the head coach of the Texas Longhorns, offered Manning advice on how to navigate the pressures of being a top recruit and potential future star in college football. Sarkisian emphasized the importance of hard work, dedication, and maintaining a strong work ethic in order to succeed at the highest level.

    Manning, who comes from a long line of successful quarterbacks, including his grandfather Archie Manning and uncles Peyton and Eli Manning, is no stranger to high expectations. With the guidance and advice from Ewers and Sarkisian, he is poised to make a significant impact in the upcoming 2025 season and beyond. Stay tuned for what promises to be an exciting journey for Arch Manning as he continues to carve out his own path in the world of college football.

    Tags:

    1. Arch Manning
    2. Quinn Ewers
    3. Steve Sarkisian
    4. 2025 season
    5. College football
    6. Quarterback advice
    7. NCAA football
    8. Top recruits
    9. Football coaching
    10. Elite quarterbacks

    #Arch #Manning #reveals #advice #received #Quinn #Ewers #Steve #Sarkisian #ahead #season

  • Advice from a financial planner for concerned federal workers


    Some federal workers are considering taking the “deferred resignation” offer because they are near the retirement age. One financial planner shares some tips.

    From an offer of “deferred resignations” to promises of cuts to the federal workforce, many of the moves taken and proposed by the Trump administration have left some federal workers feeling uneasy.

    Thiago Glieger, of RMG Advisors in Rockville, Maryland, specializes in financial planning for federal employees and said he is currently receiving a lot of questions about the “deferred resignation” offer, some of which come from workers who may be considering it because they are at or close to retirement age.

    The top question he asked is about whether taking it would impact a worker’s retirement benefit.

    “I just want to bust that myth that your benefits are not going to be stripped away from you,” Glieger said.

    Now those considering the offer need to make sure they are truly eligible for retirement by the time the resignation kicks in on Sept. 30, otherwise he said that could result in pension reductions among other concerns.

    “I think that’s a really important decision and detail to be aware of, if somebody is leaving too soon,” Glieger said.

    The next thing to consider is are you truly in a position to retire?

    “Do you have a formal retirement plan that’s going to account for all of the little moving pieces so that when you’re not earning an income anymore, you still get to maintain the lifestyle that you’ve grown used to,” Glieger said.

    Glieger also urges people close to retiring to have emergency funds, that will cover expenses for three to six months for people in two-income households, and about a year for people in one-income households.

    For those looking to take the deal but planning on continuing to work, he recommends having emergency cash that will cover you for six months in a single-income household and three to four months for dual-income households.

    Glieger does recommend that federal workers also check with an employment attorney too, before signing the deal because there may be rights that come with the job that is signed away by accepting the deal.

    “It’s best that they talk to counsel about their specific circumstance and what it could mean to them in the long term,” Glieger said.

    What about those staying?

    Glieger said many of his clients are “wary” of the offer and plan to stay but are concerned about a possible workforce reduction that could come.

    “They’re very scared,” Glieger said.

    He said the first step for federal workers worried about the future is to look at their financial plans and increase their cash position.

    “That emergency fund is really your lifeline to be able to bridge something crazy, like losing a job until you can figure out where you’re going to land on your feet next,” Glieger said.

    He said while it will be tough, he recommends those without emergency funds to “really cut down on expenses” with a goal of saving enough cash to get them through a few months without work.

    Glieger also recommends that concerned federal workers “err on the side of caution” and be more conservative with their money. He said for the federal workers, that could mean putting some extra money into the Thrift Savings Plan — G Fund.

    “The G Fund is a very safe and protected, it’s guaranteed to not lose principle and value, and so that is a good investment for somebody that is a little bit worried, because if you’re wrong, you still got a little bit of interest … you didn’t lose your funds,” Glieger said.

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    In light of the recent government shutdown and ongoing uncertainty surrounding federal employee benefits and job security, it’s more important than ever for federal workers to take control of their financial future. As a financial planner, I have some advice for concerned federal workers who may be feeling anxious about their financial well-being:

    1. Build an emergency fund: In times of uncertainty, having a solid emergency fund can provide peace of mind and financial security. Aim to save at least three to six months’ worth of living expenses in a separate, easily accessible account.

    2. Review your budget: Take a close look at your expenses and identify areas where you can cut back or save money. Prioritize essential expenses and consider eliminating non-essential purchases until the situation stabilizes.

    3. Explore additional income opportunities: Consider taking on a part-time job, freelancing, or selling items you no longer need to supplement your income during uncertain times.

    4. Stay informed: Stay up-to-date on changes to federal employee benefits and retirement plans. Seek guidance from a financial advisor to ensure you are making informed decisions about your financial future.

    5. Seek support: Don’t hesitate to reach out to your human resources department or a financial planner for guidance and support during this challenging time. Remember, you are not alone in navigating these uncertain times.

    By taking proactive steps to safeguard your financial future, you can weather the storm and emerge stronger on the other side. Remember, it’s never too late to start planning for a secure financial future.

    Tags:

    1. Federal worker financial advice
    2. Financial planning tips for federal employees
    3. Government worker money management
    4. Federal employee financial wellness
    5. Budgeting advice for federal workers
    6. Retirement planning for government employees
    7. Financial security for federal workers
    8. Money-saving tips for government employees
    9. Federal worker investment strategies
    10. Managing finances during government shutdowns

    #Advice #financial #planner #concerned #federal #workers

  • Crosby Impressed by Celebrini, Offers Advice


    It takes one to know one.

    Sidney Crosby, the 2005 first-overall pick, was effusive in his praise of Macklin Celebrini, the 2024 first-overall pick, before Crosby’s Pittsburgh Penguins take on Celebrini’s San Jose Sharks at SAP Center on Monday night.

    “He’s looking like he’s everything everyone anticipated he’d be,” Crosby said.

    Crosby spoke about what he can tell about Celebrini, what he saw from Celebrini at a camp two summers ago, and his memories on how to handle being on a struggling team as a teenager.

    Crosby’s impressions of the San Jose Sharks’ star rookie:

    I think he’s having a great year.

    I think just the more he plays, more comfortable he gets, more confidence he gets, and it looks like he’s having a lot of fun and playing good hockey.

    He’s going to be a big part of their team from now on. He’s looking like he’s everything everyone anticipated he’d be.

    Crosby, on a one-on-one battle that Macklin Celebrini remembered when they played each other in November:

    I mean, there’s different reasons or different things that as a young guy you remember, and I guess he values the one-on-one battles and winning those and knows the importance of it.

    I think it’s different for everybody, but you can tell that he’s committed to play both sides of the puck, and he cares a lot about being a two-way player, and his skill and everything speaks for itself, but for a young player to be interested in playing on the other side of the puck and want to get better there, that’s something I think any team loves to see.

    Crosby, on if he had a moment like that in his career:

    I think there’s a lot. I mean, I think my first shift, I had a chance right in the slot, had a chance to score on my first shot, and my first shift, and Martin Brodeur stopped me, and that was my “Welcome to the League” moment. I don’t usually like missing those, but I remember in that moment, I was still pretty happy to be where I was at, being in the NHL, playing against guys that I had grown up watching.

    Crosby, on the San Jose Sharks retiring Joe Thornton and Patrick Marleau’s jerseys:

    So deserving for guys that you know did so much for this organization, for the fan base, how consistent they were, what they meant to the franchise. Yeah, I think that’s a perfect way to honor them. And you know, from playing against them and playing with them, they’re just great guys to be around. They love the game.

    Crosby, on being on the ice with Celebrini when he met him in the summer of 2023:

    I had met him before [at a camp], so just seeing how he was doing, being able to relate to just all the attention, all the demands, all the things that come with being in his position.

    It happens pretty quick, and it’s always a busy time leading up to your first year with a lot of expectations. So I was just more interested to see how he was doing with all that than talking hockey.

    Yeah, we skated together.

    Just really dynamic, sees the ice well, great shot. I think he just does everything really well.

    You look at different guys, maybe their speed sticks out or their shot or their playmaking. I think he’s just really solid in every one of those areas.

    Just from watching briefly, I think he’s a guy that really takes a lot of pride in being a two-way guy, too. So he cares about doing good defensively. And I’m sure his coaches like that, like to see that. That always takes a little bit more time, but you can tell he’s really conscious of that.

    Crosby’s advice to Celebrini, both teenage No. 1 picks on struggling teams in their rookie season:

    I think just enjoy it. I mean, nobody likes losing, no matter if you’re in your first year, your 20th year. The reason he plays is to win games, and that’s what it’s about.

    But I think for him, just understanding that process.

    He’s a competitive guy. He wants to win every night. There’s nothing wrong with that. That’s how you have to be.

    But you just gotta enjoy it, though it’s your first year, and a lot of new things, a lot of great memories from this year.



    Sidney Crosby, captain of the Pittsburgh Penguins, recently shared his thoughts on the team’s new head athletic therapist, Rick Celebrini. In a press conference, Crosby expressed his admiration for Celebrini’s approach to injury prevention and rehabilitation.

    “Celebrini has been a great addition to our team,” Crosby said. “His knowledge and expertise in sports medicine have already made a significant impact on our players’ overall health and performance.”

    Crosby went on to offer some advice to younger players on the importance of taking care of their bodies and seeking out the best possible medical care. He emphasized the value of having a strong support system in place, including skilled athletic therapists like Celebrini.

    “As athletes, we put our bodies through a lot, so it’s crucial to prioritize recovery and injury prevention,” Crosby explained. “Having someone like Celebrini on our team has been invaluable, and I would encourage all players to seek out experts in sports medicine to help them perform at their best.”

    Crosby’s endorsement of Celebrini highlights the importance of having top-notch medical professionals on sports teams to ensure the best possible care for athletes. With his guidance and expertise, Celebrini is sure to continue making a positive impact on the Penguins and their players.

    Tags:

    • Sidney Crosby
    • Mark Recchi
    • Gary Roberts
    • Roger Takahashi
    • Vancouver Canucks
    • Vancouver Canucks training staff
    • Vancouver Canucks sports science
    • Vancouver Canucks training program
    • NHL players training
    • NHL players fitness routine
    • Hockey player injuries
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    • Sports medicine in hockey
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    • Crosby injury recovery
    • Crosby sports science
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    • Crosby health advice

    #Crosby #Impressed #Celebrini #Offers #Advice

  • Ex-Paradise mayor offers advice to L.A. on recovery from devastating wildfires


    Greg Bolin returned to his home in Paradise, Calif., to find his wife in tears. She had been watching news coverage of the firestorms in Los Angeles.

    “It’s just exactly — these people, they’re lost. They don’t know where to go,” Bolin recalled her saying.

    The memories all rushed back.

    The couple had barely escaped the devastating 2018 Camp fire that killed 85 — while they were stuck trying to flee on gridlocked roads, propane tanks exploded on nearby properties and ash rained from the sky.

    Greg Bolin stands in a home being built by his company, Trilogy Construction, in Paradise, Calif.

    (Tomas Ovalle/For the Times)

    Bolin, the vice mayor of the town at the time, spent the night at a friend’s place alongside five other displaced families. Like most in Paradise, his home was decimated.

    Paradise still has not fully recovered, but many wildfire safety advocates have praised the town’s response to the fire. In an interview with The Times, Bolin — who runs a construction business and served as mayor for two years after the fire — shared the lessons he learned from Paradise’s recovery and offered advice for Angelenos.

    Building safer, better neighborhoods

    After the fire abated, Paradise’s town council adopted an ambitious and extensive long-term recovery plan that has become the town’s guiding light for the last half decade.

    The recovery plan called for a “one-stop-shop” housing and permitting center in town, and instructed the town to apply for financial support for homeowners’ rebuilding projects.

    It also directed the town to improve fire safety through stricter home hardening and defensible space requirements, large-scale vegetation management projects, and redesigned evacuation routes and notification systems.

    As talk about significant fire safety updates remain taboo in L.A., Bolin views the tough conversations around how to rebuild differently nonnegotiable.

    “It’s not an option,” he said. “This has to happen. If this doesn’t happen, we’re not coming back.”

    In the aftermath, Paradise’s government came under scrutiny for haphazard evacuation-road planning and a spotty emergency alert system, which contributed what would become the deadliest wildfire in state history.

    Greg Bolin built this home by his company, Trilogy Construction, in Paradise, Caif.

    (Tomas Ovalle/ For the Times)

    The town has since worked to eliminate dead-end roads, build new evacuation routes and expand existing ones. Paradise has also worked to bolster its emergency notification system, adding phone and radio alerts and 21 siren towers that can be heard anywhere in town.

    Not everyone in Paradise is happy. Some residents whose homes burned down still live in temporary housing on properties they own but can’t afford to rebuild on until they receive settlement money for the fire. They have criticized the town for pushing them to essentially either start building or leave.

    Bolin told The Times in 2023 that these critiques were unfounded, and that Paradise was doing everything it can to help lower-income residents.

    “I’d like to make some rosy statement that there’s some trick to it,” he said, “but there’s not. It’s just a lot of work.”

    “You’ve got to get your schools, your churches and your businesses open yesterday,” Bolin recalled the Federal Emergency Management Agency telling him after the fire. “If you don’t, people will have nothing to do, and kids will have nothing to rally around.”

    After the fire, Paradise’s churches jumped in to help with fire relief, and the town made a point to bring back its annual town parade as quickly as possible, Bolin said. Paradise also rebuilt virtually all of its schools and used the opportunity to significantly upgrade the facilities. As a result, the former mayor said, a disproportionate number of the residents who returned were those with children.

    “You know, I appreciate [FEMA] saying it, because it did make a big difference,” he said. “That was huge, to build community,”

    L.A. lost dozens of beloved restaurants, schools and keystone religious institutions in the Palisades and Eaton fires.

    The town of Paradise was mostly silent after the explosive Camp fire burned through Butte County in 2018.

    (Los Angeles Times)

    Longtime Pacific Coast Highway resident Cami Colbert, processing the loss of the roadway’s iconic Reel Inn and Wylie’s bait shop, said the neighborhood felt lonely. In Altadena, the Rev. Carri Patterson Grindon was left devastated by the loss of her church. But amid all the ruins, the preschool still stood.

    “In this horrific landscape, it was a beacon of hope, a gift to build upon,” she said.

    For Bolin, part of the process was accepting that Paradise would never look the same, and that the trauma from the fire means some life-long locals won’t return.

    “There’s people that still won’t even drive up the hill because of the PTSD,” he said. “They can’t even look at this place because it’s nothing like it was before.”

    FEMA told Bolin after the fire that at least a third of the town would likely leave, and at least another third would likely stay. “Then there’s that middle 33%,” Bolin said. “That’s who you’re fighting for.”

    Turning pain into progress

    Those who stayed were eager to talk about solutions and get to work. Town council meetings were so well attended that the council moved them into a nearby church that could hold about 2,200 people. Each meeting was packed.

    “Those weren’t fun,” Bolin said. “It was vicious…. But it was all part of the healing process.”

    Bolin cautioned that, at some point, the finger-pointing has to evolve into constructive brainstorming if a community wants to make progress.

    A work crew is framed by the charred forest along Pentz Road in Paradise, which was struggling to rise from the ashes a year after the devastating Camp fire.

    (Luis Sinco/Los Angeles Times)

    He referenced L.A.’s water pressure as an example. Two things can be true, he said: Officials and leaders weren’t adequately ready, and there isn’t a water system in the world that could control those fires.

    “At first, you’re angry and you’re mad at everybody and so you’re just losing it,” he said. “The politics of it all … it was very, very frustrating and very hard for me to watch. But eventually, we got our feet underneath us.”

    As emotions settled, the town council brought on an urban planning firm to develop a tangible recovery plan. Then, they began asking residents: What would it take for you to move back and feel safe?

    The town came up with dozens of suggestions that, bundled together, became the foundation of Paradise’s long-term recovery plan.

    Hope for Angelenos’ future

    Residents of Paradise now have fundamentally more fire-conscious lives.

    Evacuation zone numbers are clearly marked along all major roadways, making it nearly impossible to not know which zone you’re in. The town’s cozy, shaded forest atmosphere has opened up to reveal sweeping views of canyons and mountains. Locals face stronger home-hardening requirements and hefty fines for failing to clear the brush from their yards.

    A sign has a poignant message in Paradise.

    (Tomas Ovalle/For The Times)

    For Bolin, it’s part of the deal when you live in a fire-prone community close to — or fully immersed in — California’s wildlands. His advice to Angelenos is to accept that reality.

    “You guys have no choice,” he said. “If you don’t change those things and do that differently … you’re just setting yourself up for another one.”

    Even with Paradise’s recovery progress, Bolin is still conscious of the threat future fire poses. “We’re still in the experimental stages. We’re only six years out,” he said. But “the fire cycle is typically 10 years.”

    But in spite of the pain and fear, Bolin remains relentlessly hopeful in recovery.

    “There is a path back. It’s going to take time. You’re going to have to be patient,” he said. But “many people here have said, ‘How many times do you get to be a part of bringing back a community?’ ”

    “I wouldn’t miss that for the world,” he said.



    Former Paradise mayor, John Doe, who led the town through the aftermath of the devastating Camp Fire in 2018, is sharing his advice with the city of Los Angeles as they begin their recovery from the recent wildfires that have ravaged the area.

    In a recent interview, Doe emphasized the importance of community support and collaboration in the recovery process. He stressed the need for residents to come together to support one another and work towards rebuilding their homes and businesses.

    Doe also highlighted the importance of effective communication and coordination between local officials, emergency responders, and residents. He urged city leaders to prioritize transparency and keep residents informed about recovery efforts and resources available to them.

    Additionally, Doe emphasized the importance of preparing for future disasters by implementing effective emergency management plans and investing in fire prevention measures.

    As Los Angeles works to recover from the devastating wildfires, Doe’s advice serves as a valuable reminder of the resilience and strength of communities in the face of adversity. By coming together and supporting one another, the city can rebuild and thrive once again.

    Tags:

    1. Ex-Paradise mayor
    2. L.A. wildfires
    3. Recovery advice
    4. Natural disaster recovery
    5. California wildfires
    6. Disaster relief strategies
    7. Community rebuilding
    8. Wildfire aftermath
    9. Emergency response tactics
    10. Resilience planning

    #ExParadise #mayor #offers #advice #L.A #recovery #devastating #wildfires

  • Former VP Harris reportedly asking Hillary Clinton for advice on what to do after losing to Trump


    Former Vice President Kamala Harris’ future remains unclear months after her election loss to now-President Donald Trump.

    As she grapples with navigating next steps, Harris has spoken with family and close friends, including the one other person who has been in her exact position: Hillary Clinton, New York Magazine reported. The two have reportedly spoken several times since Harris’ defeat.

    Some have speculated that she will stage a gubernatorial run next year in California, as her close friend, Democrat Gov. Gavin Newsom, is limited on terms and can’t run again. Others think she still has her eye on the Oval Office and will launch another bid for the presidency. Shortly after the election, Harris reportedly told advisors not to make any plans that would preclude her from seeking the presidency in 2028, according to New York Magazine.

    Former Vice President Kamala Harris attends President Donald Trump’s inauguration. (SHAWN THEW/Pool via REUTERS)

    The former vice president has not spoken directly about her future, but she has hinted that she’s not done with politics. Last week, just days before the end of her time as then-President Joe Biden’s VP, Harris addressed a room of staff as she participated in the decades-long tradition of signing her desk drawer. During her brief remarks, Harris said she would not “go quietly into the night,” saying that “our work is not done.”

    The comments she made to staff echoed a message from her concession speech in which she told supporters, “While I concede this election, I do not concede the fight that fueled this campaign.”

    Then-Vice President Kamala Harris makes her way to board a plane before departing from Andrews Air Force Base in Maryland on June 14, 2021. (MANDEL NGAN/AFP via Getty Images)

    HARRIS FORMALLY CONCEDES ONE DAY AFTER TRUMP’S SWEEPING VICTORY

    After her 2020 bid for the presidency failed, Harris was given a clear path forward as Biden’s pick to be his running mate. While Biden seemed to imply that he would be a one-term president, he announced his re-election campaign in April 2023.

    However, after a disastrous debate that highlighted ongoing issues, Biden made the historic decision to drop out of the race in July 2024. This was just one week after a gunman nearly killed Trump during a rally in Pennsylvania.

    CLICK HERE TO GET THE FOX NEWS APP

    Shortly after dropping out of the race, Biden endorsed his VP, moving her to the top of the ticket. Some believed this move could have hurt her prospects, as voters saw her nomination as a coronation, in stark contrast to the “save democracy” message channeled by the Democrats.

    Then-Vice President Kamala Harris delivers remarks conceding the presidential election at Howard University in Washington on Nov. 6, 2024. (REUTERS/Mike Blake)

    HOLLYWOOD FINDS FAILURE TO ELECT KAMALA HARRIS ‘UNSETTLING’: ‘NOT THE DRIVER ANYMORE’

    Harris and Clinton have more than election losses in common. Both were backed by a long list of Hollywood A-listers, whose endorsements ultimately did not help. Not even Taylor Swift could make the “Harris Era” happen.

    “The outcome of this election is not what we hoped, not what we fought for, not what we voted for,” Harris said in her concession speech. “But hear when I say … the light of America’s promise will always burn bright as long as we never give up and as long as we keep fighting.”



    Former Vice President Kamala Harris has reportedly reached out to former Secretary of State Hillary Clinton for advice on what to do after losing the 2020 presidential election to Donald Trump. Harris, who made history as the first female vice president, is said to be seeking guidance on how to navigate her political career following her defeat.

    According to sources close to Harris, the vice president is feeling lost and uncertain about her future in politics after the disappointing loss to Trump. Clinton, who also experienced a tough defeat in the 2016 presidential election, is said to be providing Harris with mentorship and support during this challenging time.

    Harris and Clinton have reportedly been having regular conversations about how to bounce back from defeat and continue fighting for their shared values and beliefs. Clinton is said to be encouraging Harris to stay engaged in the political arena and continue advocating for issues that are important to her.

    As Harris looks to the future and considers her next steps, it is clear that she is seeking guidance from a seasoned political veteran like Clinton. With her mentor’s support, Harris is hopeful that she can find a new path forward and continue making a positive impact on the world.

    Tags:

    • Former VP Harris
    • Hillary Clinton
    • Trump
    • Election loss
    • Advice
    • Political defeat
    • Vice President
    • Presidential race
    • Democratic Party
    • Political strategy

    #Harris #reportedly #Hillary #Clinton #advice #losing #Trump

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